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   "value": "Lombard Bank Malta p.l.c. ",
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    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  "fact-548": {
   "value": "Lomba<span class=\"_ _0\"></span>rd Bank Malta p.l.c.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Annual R<span class=\"_ _0\"></span>eport a<span class=\"_ _0\"></span>nd Fi<span class=\"_ _0\"></span>nancial Sta<span class=\"_ _0\"></span>teme<span class=\"_ _0\"></span>nts <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 </span>Company Registration <span class=\"_ _0\"></span>Number: C 1607<span class=\"_ _bc\"> </span>These fi<span class=\"_ _0\"></span>nanci<span class=\"_ _0\"></span>al stat<span class=\"_ _0\"></span>ement<span class=\"_ _0\"></span>s on pa<span class=\"_ _0\"></span>ges <span class=\"ls1 ws1\">55 <span class=\"ls2a ws10d\">to</span> <span class=\"_ _13\"></span>190 <span class=\"_ _1\"></span></span>were app<span class=\"_ _0\"></span>roved <span class=\"_ _0\"></span>and auth<span class=\"_ _0\"></span>oris<span class=\"_ _0\"></span>ed for i<span class=\"_ _0\"></span>ssue by t<span class=\"_ _0\"></span>he Boa<span class=\"_ _0\"></span>rd of Di<span class=\"_ _0\"></span>rectors<span class=\"_ _0\"></span> on<span class=\"ls1 ws1\"> <span class=\"ls28 ws10f\">24 Ap<span class=\"_ _1\"></span>ril </span></span>2026<span class=\"ls6b ws10e\">. The fina<span class=\"_ _0\"></span>ncial<span class=\"_ _0\"></span> state<span class=\"_ _0\"></span>ments<span class=\"_ _0\"></span> were<span class=\"_ _0\"></span> signe<span class=\"_ _0\"></span>d on beh<span class=\"_ _0\"></span>alf of t<span class=\"_ _0\"></span>he Bank<span class=\"_ _0\"></span>'s B<span class=\"_ _0\"></span>oard of D<span class=\"_ _0\"></span>irect<span class=\"_ _0\"></span>ors by M<span class=\"_ _0\"></span>ichael<span class=\"_ _0\"></span> C<span class=\"_ _0\"></span>. Bonell<span class=\"_ _0\"></span>o (Chai<span class=\"_ _0\"></span>rma<span class=\"_ _0\"></span>n) and<span class=\"_ _0\"></span> </span>Joseph <span class=\"_ _0\"></span>Said (Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tor and C<span class=\"_ _11\"></span>hief Execut<span class=\"_ _0\"></span>ive O<span class=\"_ _0\"></span>ffic<span class=\"_ _0\"></span>er) as p<span class=\"_ _0\"></span>er the D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors' D<span class=\"_ _0\"></span>eclar<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on on ES<span class=\"_ _0\"></span>EF Ann<span class=\"_ _0\"></span>ual F<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al Re<span class=\"_ _0\"></span>port s<span class=\"_ _0\"></span>ubmit<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span><span class=\"ls6d ws97\">d </span>in conju<span class=\"_ _0\"></span>ncti<span class=\"_ _0\"></span>on wit<span class=\"_ _0\"></span>h the An<span class=\"_ _0\"></span>nual<span class=\"_ _0\"></span> Report<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> Financ<span class=\"_ _0\"></span>ial St<span class=\"_ _0\"></span>atem<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span> 202<span class=\"ls1 ws1\">5.<span class=\"_ _bc\"> </span></span>1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span>1.1<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span><span class=\"ls7\">Basis of preparation</span></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>onsolidate<span class=\"_ _0\"></span>d financi<span class=\"_ _0\"></span>al statem<span class=\"_ _0\"></span>ents inc<span class=\"_ _0\"></span>lude the<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> statements of<span class=\"_ _0\"></span> Lombar<span class=\"_ _0\"></span>d Bank Mal<span class=\"_ _0\"></span>ta p.l.c.<span class=\"_ _0\"></span> (the Bank) and it<span class=\"_ _0\"></span>s subsi<span class=\"_ _0\"></span>diary un<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>takings (t<span class=\"_ _0\"></span>ogethe<span class=\"_ _0\"></span>r refe<span class=\"_ _0\"></span>rred to as \u2018t<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup\u2019 and in<span class=\"_ _0\"></span>dividual<span class=\"_ _0\"></span>ly as \u2018G<span class=\"_ _0\"></span>roup entit<span class=\"_ _1\"></span>ies\u2019).",
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    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  },
  "fact-2": {
   "value": "Net Asset Valu<span class=\"_ _1\"></span>e (NAV) per share in<span class=\"_ _1\"></span>creased to \u20ac1.45 (2024: \u20ac1.36). E<span class=\"_ _1\"></span>arnings<span class=\"_ _1\"></span> per Share (EPS) ros<span class=\"_ _1\"></span>e to \u20ac0.10. Ret<span class=\"_ _1\"></span>urn on As<span class=\"_ _1\"></span>sets (ROA) st<span class=\"_ _1\"></span>ood at 1.1% (2024<span class=\"_ _1\"></span>: 0.9%) while<span class=\"_ _1\"></span> post<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">tax Return o<span class=\"_ _1\"></span>n Equity (ROE<span class=\"_ _1\"></span>) improved to 7.1% (20<span class=\"_ _1\"></span>24: 5.6%).</span></span>",
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    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  "fact-3": {
   "value": "Principal Activities The Bank was registered in Malta in 1969 and listed on the Malta Stock Exchange (\u2018MSE\u2019) in 1994. It is licensed as a credit institution under the Banking Act, 1994 and is an authorised currency dealer and financial intermediary. It is also licensed to carry out investment services in terms of the Investment Services Act, 1994 and is an enrolled Tied Insurance Intermediary of IVALIFE Insurance Limited under the Insurance Distribution Act, 2018. The Bank is a member of the Depositor Compensation Scheme and the Investor Compensation Scheme set up under the laws of Malta. It is also a member of the MSE for the purpose of the carrying out of stockbroking on the MSE. The Bank has a network of branches in Malta and Gozo providing an extensive range of banking and financial services. A list of branches, outlets and departments is found on page 54 of this Annual Report. During the year under review, Redbox Limited, a company virtually wholly owned by the Bank continued to serve as the special purpose vehicle holding as at 31 December 2025 the Bank\u2019s 72.65% shareholding in MaltaPost p.l.c., with the remaining 27.35% of the ordinary share capital of MaltaPost p.l.c. being held by the general public. MaltaPost p.l.c. is Malta\u2019s leading postal services company, being the sole licensed Universal Service Provider of postal services in Malta. More information about the MaltaPost Group may be found on www.maltapost.com. During 2025, Lombard Select SICAV p.l.c (\u2018the SICAV\u2019) was placed in voluntary dissolution and Lombard Capital Asset Management Limited was struck off. ",
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    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "Direc<span class=\"_ _1\"></span>tors\u2019 Rep<span class=\"_ _1\"></span>ort<span class=\"ff1 ls1 ws1\"> <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"_ _bc\"> </span></span></span>Goin<span class=\"_ _1\"></span>g<span class=\"ls1 ws1\"> <span class=\"lsc ws38\">Concern</span> </span>In<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws8\">complian<span class=\"_ _1\"></span>ce</span> <span class=\"_ _14\"></span><span class=\"ls5 ws7\">with<span class=\"_ _1\"></span></span> <span class=\"_ _14\"></span><span class=\"ls7 ws4e\">Capital</span> <span class=\"_ _13\"></span><span class=\"ls7 ws4e\">M<span class=\"_ _1\"></span>arkets</span> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">Ru<span class=\"_ _1\"></span>le</span> <span class=\"_ _14\"></span><span class=\"ls6 ws8\">5.62</span> <span class=\"_ _14\"> </span><span class=\"ls7 ws4e\">and</span> <span class=\"_ _10\"> </span><span class=\"ls5 ws7\">after</span> <span class=\"_ _10\"> </span><span class=\"ls8 ws16\">having</span> <span class=\"_ _13\"></span><span class=\"ls8 ws16\">duly</span> <span class=\"_ _14\"> </span><span class=\"ls5 ws7\">co<span class=\"_ _1\"></span>nsid<span class=\"_ _1\"></span>ered</span> <span class=\"_ _14\"> </span><span class=\"ls9 wsa\">the</span> <span class=\"_ _14\"> </span><span class=\"ls7 ws4e\">Bank\u2019s</span> <span class=\"_ _14\"></span><span class=\"ls5 ws7\">per<span class=\"_ _1\"></span>formance,<span class=\"_ _1\"></span></span> <span class=\"_ _14\"></span><span class=\"ls9 wsa\">the</span> </span>Directors<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>declare<span class=\"ls1 ws1\"> <span class=\"ls1c ws2d\">that<span class=\"_ _1\"></span></span> <span class=\"_ _0\"></span><span class=\"lsf ws23\">they<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>expect<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls1c ws2d\">the</span> <span class=\"lsc ws38\">Bank</span> <span class=\"ls16 ws6f\">will</span> <span class=\"_ _11\"></span><span class=\"ls16 ws6f\">con<span class=\"_ _1\"></span>tinu<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> <span class=\"ls1c ws2d\">to</span> <span class=\"_ _0\"></span><span class=\"lsf ws23\">op<span class=\"_ _1\"></span>erat<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"lsc ws38\">as<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> a <span class=\"_ _11\"></span><span class=\"ls16 ws6f\">going</span></span></span></span></span></span></span></span></span></span> <span class=\"lsf ws23\">conc<span class=\"_ _1\"></span>ern</span> <span class=\"lsf ws23\">fo<span class=\"_ _1\"></span>r</span> <span class=\"ls1b ws6\">the</span> <span class=\"lsf ws23\">fores<span class=\"_ _1\"></span>eeab<span class=\"_ _1\"></span>le</span> <span class=\"lsf ws23\">futu<span class=\"_ _1\"></span>re.</span>",
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  "fact-442": {
   "value": "189210000.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-443": {
   "value": "171705000.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-444": {
   "value": "217488000.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-445": {
   "value": "189210000.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-448": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gsb\">1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gsd\">1.1<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span><span class=\"ls7\">Basis of preparation</span></span><span class=\"ls1 ws1\"> </span></div>1.1.1<span class=\"ff9 ls1 ws1\"> <span class=\"_ _9a\"> </span></span><span class=\"ls7 ws4e\">Consolidation<span class=\"_ _bc\"> </span></span><span class=\"ls7 ws4e\"><span class=\"ls1 ws1\"> </span></span>Subsidiari<span class=\"_ _0\"></span>es are a<span class=\"_ _0\"></span>ll entitie<span class=\"_ _0\"></span>s over which the<span class=\"_ _0\"></span> Group has contro<span class=\"_ _0\"></span>l. The G<span class=\"_ _0\"></span>roup control<span class=\"_ _0\"></span>s an entity whe<span class=\"_ _0\"></span>re the Group is expose<span class=\"_ _0\"></span>d to, or has rig<span class=\"_ _0\"></span>hts to, va<span class=\"_ _0\"></span>riable<span class=\"_ _0\"></span> returns f<span class=\"_ _0\"></span>rom it<span class=\"_ _0\"></span>s involvem<span class=\"_ _0\"></span>ent with the<span class=\"_ _0\"></span> entity a<span class=\"_ _0\"></span>nd has the abil<span class=\"_ _0\"></span>ity to affe<span class=\"_ _0\"></span>ct those re<span class=\"_ _0\"></span>turns throug<span class=\"_ _0\"></span>h its powe<span class=\"_ _0\"></span><span class=\"ls6 ws5f\">r to direct the <span class=\"_ _1\"></span>activities o<span class=\"_ _1\"></span>f the entity. Sub<span class=\"_ _1\"></span>sidiaries a<span class=\"_ _1\"></span>re fully </span>consolidate<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> the date<span class=\"_ _0\"></span> on<span class=\"_ _0\"></span> whic<span class=\"_ _0\"></span>h control i<span class=\"_ _11\"></span>s transferre<span class=\"_ _0\"></span>d to the G<span class=\"_ _0\"></span>roup. T<span class=\"_ _0\"></span>hey ar<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>onsoli<span class=\"_ _0\"></span>dated fr<span class=\"_ _0\"></span>om the<span class=\"_ _0\"></span> date that control cease<span class=\"_ _0\"></span>s.<span class=\"ls1\"> </span>The Group use<span class=\"_ _0\"></span>s the acqui<span class=\"_ _0\"></span>siti<span class=\"_ _0\"></span>on metho<span class=\"_ _0\"></span>d of acc<span class=\"_ _0\"></span>ounting to account<span class=\"_ _0\"></span> for busine<span class=\"_ _0\"></span>ss com<span class=\"_ _0\"></span>binations. T<span class=\"_ _0\"></span>he cons<span class=\"_ _1\"></span>iderat<span class=\"_ _1\"></span>ion tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span> for the a<span class=\"_ _1\"></span>cqui<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n of a subsid<span class=\"_ _1\"></span>iary is<span class=\"_ _1\"></span> the fair v<span class=\"_ _1\"></span>alues of t<span class=\"_ _1\"></span>he asset<span class=\"_ _1\"></span>s trans<span class=\"_ _1\"></span>ferred, t<span class=\"_ _1\"></span>he liabilities in<span class=\"_ _1\"></span>curred and<span class=\"_ _1\"></span> the equity interest<span class=\"_ _1\"></span>s issu<span class=\"ls8 ws15\">ed by the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion tra<span class=\"_ _0\"></span>nsfe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncludes t<span class=\"_ _0\"></span>he </span>fair value of an<span class=\"_ _1\"></span>y asset o<span class=\"_ _1\"></span>r liability resultin<span class=\"_ _1\"></span>g from a contingen<span class=\"_ _1\"></span>t considera<span class=\"_ _1\"></span>tion arrangem<span class=\"_ _1\"></span>ent. Acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>relate<span class=\"_ _0\"></span>d costs are<span class=\"_ _0\"></span> expensed as i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d. Identi<span class=\"_ _0\"></span>fiable asse<span class=\"_ _0\"></span>ts acquire<span class=\"_ _0\"></span>d and liabil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s and con<span class=\"ls6 ws7\">tingent liabilit<span class=\"_ _1\"></span>ies </span>assumed in a busi<span class=\"_ _0\"></span>ness combi<span class=\"_ _0\"></span>nation are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d initial<span class=\"_ _0\"></span>ly at their f<span class=\"_ _0\"></span>air values at the<span class=\"_ _0\"></span> acquisition dat<span class=\"_ _0\"></span>e. On an acquisi<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">by</span>-<span class=\"ls8 ws53\">acquisiti<span class=\"_ _0\"></span>on basi<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>ognises a<span class=\"_ _0\"></span>ny no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">controlling in<span class=\"_ _1\"></span>terest in the acqu<span class=\"_ _1\"></span>iree either at </span></span></span></span>fair value or at <span class=\"ls8 wsa\">the<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-</span>contr<span class=\"_ _0\"></span>olling<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st\u2019s proporti<span class=\"_ _0\"></span>onate<span class=\"_ _0\"></span> share of<span class=\"_ _0\"></span> the acqui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s net as<span class=\"_ _0\"></span>sets.<span class=\"ls1 ws1\"> </span></span>The exc<span class=\"_ _0\"></span>ess of the<span class=\"_ _0\"></span> consider<span class=\"_ _0\"></span>ation transfe<span class=\"_ _0\"></span>rred, t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of any non<span class=\"ls1 ws1\">-<span class=\"ls6 ws12\">controlling in<span class=\"_ _1\"></span>terest in the acq<span class=\"_ _1\"></span>uiree and<span class=\"_ _1\"></span> </span></span>the acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"ls8 ws33\">date fair va<span class=\"_ _0\"></span>lue of a<span class=\"_ _0\"></span>ny previous e<span class=\"_ _0\"></span>quity inte<span class=\"_ _0\"></span>rest in the<span class=\"_ _0\"></span> acquir<span class=\"_ _0\"></span>ee over the f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> of the </span></span>identifiable n<span class=\"_ _1\"></span>et assets a<span class=\"_ _1\"></span>cquired i<span class=\"_ _1\"></span>s recor<span class=\"ls5 ws1a\">ded a<span class=\"_ _1\"></span>s goo<span class=\"_ _1\"></span>dwill<span class=\"_ _1\"></span>. If t<span class=\"_ _1\"></span>his ag<span class=\"_ _1\"></span>gregate is<span class=\"_ _1\"></span> les<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>n the fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue of th<span class=\"_ _1\"></span>e </span>identif<span class=\"_ _0\"></span>iable<span class=\"_ _0\"></span> net assets<span class=\"_ _0\"></span> of the<span class=\"_ _11\"></span> subsidiary acqui<span class=\"_ _0\"></span>red in<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> case o<span class=\"_ _0\"></span>f a ba<span class=\"_ _0\"></span>rgain<span class=\"_ _0\"></span> purchase,<span class=\"_ _11\"></span> the diffe<span class=\"_ _0\"></span>rence i<span class=\"_ _0\"></span>s recognised d<span class=\"_ _1\"></span>irectly in the pr<span class=\"_ _1\"></span>ofit or los<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>Inter<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">company transactions,<span class=\"_ _0\"></span> balanc<span class=\"_ _0\"></span>es and unrea<span class=\"_ _0\"></span>lised g<span class=\"_ _0\"></span>ains on tr<span class=\"_ _0\"></span>ansactions <span class=\"_ _0\"></span>betw<span class=\"_ _0\"></span>een gr<span class=\"_ _0\"></span>oup companie<span class=\"_ _0\"></span>s are </span></span>elimina<span class=\"_ _1\"></span>ted.<span class=\"_ _1\"></span> Unreali<span class=\"_ _1\"></span>sed lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> are als<span class=\"_ _1\"></span>o elimina<span class=\"_ _1\"></span>ted <span class=\"ls8 ws119\">unless the tr<span class=\"_ _0\"></span>ansact<span class=\"_ _0\"></span>ion pro<span class=\"_ _0\"></span>vides e<span class=\"_ _0\"></span>videnc<span class=\"_ _0\"></span>e of an </span>impair<span class=\"_ _1\"></span>ment o<span class=\"_ _1\"></span>f the as<span class=\"_ _1\"></span>set tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span><span class=\"ls1 ws1\">. <span class=\"_ _14\"></span><span class=\"ls6 ws34\">The accou<span class=\"_ _1\"></span>nting po<span class=\"_ _1\"></span>licies of the sub<span class=\"_ _1\"></span>sidiaries a<span class=\"_ _1\"></span>re consistent with<span class=\"_ _1\"></span> the </span></span>policie<span class=\"_ _0\"></span>s adopted by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"lsa ws24\">. <span class=\"_ _1\"></span></span>In the Ba<span class=\"_ _0\"></span>nk\u2019s st<span class=\"_ _0\"></span>andalone f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents, inve<span class=\"_ _0\"></span>stment<span class=\"_ _0\"></span>s in sub<span class=\"_ _0\"></span>sidiarie<span class=\"_ _0\"></span>s are accounted f<span class=\"_ _0\"></span>or by the cost method of accounting, i.e. at cost less im<span class=\"_ _0\"></span>pairment.  Provisions are re<span class=\"_ _0\"></span>co<span class=\"ls5 ws7\">rded<span class=\"_ _1\"></span> </span>where, in<span class=\"_ _1\"></span> the op<span class=\"_ _1\"></span>inio<span class=\"_ _1\"></span>n of the Dir<span class=\"_ _1\"></span>ectors<span class=\"_ _1\"></span>, there i<span class=\"_ _1\"></span>s an impa<span class=\"_ _1\"></span>irment in<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e. Where t<span class=\"_ _1\"></span>here ha<span class=\"_ _1\"></span>s been<span class=\"_ _1\"></span> an impair<span class=\"_ _0\"></span>ment in the<span class=\"_ _0\"></span> value of<span class=\"_ _0\"></span> an investment<span class=\"_ _0\"></span>, it is re<span class=\"_ _0\"></span>cognised as an e<span class=\"_ _0\"></span>xpense i<span class=\"_ _0\"></span>n the pe<span class=\"_ _0\"></span>riod in which t<span class=\"_ _0\"></span>he diminutio<span class=\"_ _1\"></span>n is identified.<span class=\"_ _1\"></span> Impai<span class=\"_ _1\"></span>rment losses<span class=\"_ _1\"></span> recognis<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"lsa ws96\">in<span class=\"_ _1\"></span> prior periods are rev<span class=\"_ _1\"></span>ersed through profit or loss </span></span>if there<span class=\"_ _1\"></span> has<span class=\"_ _1\"></span> been a c<span class=\"_ _1\"></span>hange <span class=\"_ _1\"></span>in th<span class=\"_ _1\"></span>e estima<span class=\"_ _1\"></span>tes us<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine t<span class=\"_ _1\"></span>he inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>\u2019s reco<span class=\"_ _1\"></span>vera<span class=\"_ _1\"></span>ble amo<span class=\"_ _1\"></span>unt s<span class=\"_ _1\"></span>inc<span class=\"_ _1\"></span>e the la<span class=\"_ _1\"></span>st impa<span class=\"_ _1\"></span>irment l<span class=\"_ _1\"></span>oss wa<span class=\"_ _1\"></span>s r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed. Th<span class=\"_ _1\"></span>e resu<span class=\"_ _1\"></span>lts of s<span class=\"_ _1\"></span>ubsid<span class=\"_ _1\"></span>iaries<span class=\"_ _1\"></span> are re<span class=\"_ _1\"></span>flected<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e Ban<span class=\"_ _1\"></span>k\u2019s s<span class=\"_ _1\"></span><span class=\"ls8 ws16\">tandal<span class=\"_ _0\"></span>one </span>finan<span class=\"_ _1\"></span>cial s<span class=\"_ _1\"></span>tatement<span class=\"_ _1\"></span>s onl<span class=\"_ _1\"></span>y to the exten<span class=\"_ _1\"></span>t of di<span class=\"_ _1\"></span>viden<span class=\"_ _1\"></span>ds recei<span class=\"_ _1\"></span>vable.<span class=\"_ _1\"></span> On dis<span class=\"_ _1\"></span>posa<span class=\"_ _1\"></span>l of an inv<span class=\"_ _1\"></span>estmen<span class=\"_ _1\"></span>t, the d<span class=\"_ _1\"></span>ifference<span class=\"_ _1\"></span> betwee<span class=\"_ _0\"></span>n the net di<span class=\"_ _0\"></span>sposal pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds and the car<span class=\"_ _0\"></span>rying am<span class=\"_ _0\"></span>ount is charg<span class=\"_ _0\"></span>ed or c<span class=\"_ _0\"></span>redite<span class=\"_ _0\"></span>d to prof<span class=\"_ _0\"></span>it or loss<span class=\"ls1 ws1\">.<span class=\"_ _bc\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-518": {
   "value": "1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span>1.1.1<span class=\"ff9 ls1 ws1\"> <span class=\"_ _9a\"> </span></span><span class=\"ls7 ws4e\">Consolidation<span class=\"_ _bc\"> </span></span>The Group use<span class=\"_ _0\"></span>s the acqui<span class=\"_ _0\"></span>siti<span class=\"_ _0\"></span>on metho<span class=\"_ _0\"></span>d of acc<span class=\"_ _0\"></span>ounting to account<span class=\"_ _0\"></span> for busine<span class=\"_ _0\"></span>ss com<span class=\"_ _0\"></span>binations. T<span class=\"_ _0\"></span>he cons<span class=\"_ _1\"></span>iderat<span class=\"_ _1\"></span>ion tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span> for the a<span class=\"_ _1\"></span>cqui<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n of a subsid<span class=\"_ _1\"></span>iary is<span class=\"_ _1\"></span> the fair v<span class=\"_ _1\"></span>alues of t<span class=\"_ _1\"></span>he asset<span class=\"_ _1\"></span>s trans<span class=\"_ _1\"></span>ferred, t<span class=\"_ _1\"></span>he liabilities in<span class=\"_ _1\"></span>curred and<span class=\"_ _1\"></span> the equity interest<span class=\"_ _1\"></span>s issu<span class=\"ls8 ws15\">ed by the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion tra<span class=\"_ _0\"></span>nsfe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncludes t<span class=\"_ _0\"></span>he </span>fair value of an<span class=\"_ _1\"></span>y asset o<span class=\"_ _1\"></span>r liability resultin<span class=\"_ _1\"></span>g from a contingen<span class=\"_ _1\"></span>t considera<span class=\"_ _1\"></span>tion arrangem<span class=\"_ _1\"></span>ent. Acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>relate<span class=\"_ _0\"></span>d costs are<span class=\"_ _0\"></span> expensed as i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d. Identi<span class=\"_ _0\"></span>fiable asse<span class=\"_ _0\"></span>ts acquire<span class=\"_ _0\"></span>d and liabil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s and con<span class=\"ls6 ws7\">tingent liabilit<span class=\"_ _1\"></span>ies </span>assumed in a busi<span class=\"_ _0\"></span>ness combi<span class=\"_ _0\"></span>nation are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d initial<span class=\"_ _0\"></span>ly at their f<span class=\"_ _0\"></span>air values at the<span class=\"_ _0\"></span> acquisition dat<span class=\"_ _0\"></span>e. On an acquisi<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">by</span>-<span class=\"ls8 ws53\">acquisiti<span class=\"_ _0\"></span>on basi<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>ognises a<span class=\"_ _0\"></span>ny no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">controlling in<span class=\"_ _1\"></span>terest in the acqu<span class=\"_ _1\"></span>iree either at </span></span></span></span>fair value or at <span class=\"ls8 wsa\">the<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-</span>contr<span class=\"_ _0\"></span>olling<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st\u2019s proporti<span class=\"_ _0\"></span>onate<span class=\"_ _0\"></span> share of<span class=\"_ _0\"></span> the acqui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s net as<span class=\"_ _0\"></span>sets.<span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-526": {
   "value": "1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span>1.1.1<span class=\"ff9 ls1 ws1\"> <span class=\"_ _9a\"> </span></span><span class=\"ls7 ws4e\">Consolidation<span class=\"_ _bc\"> </span></span>The Group use<span class=\"_ _0\"></span>s the acqui<span class=\"_ _0\"></span>siti<span class=\"_ _0\"></span>on metho<span class=\"_ _0\"></span>d of acc<span class=\"_ _0\"></span>ounting to account<span class=\"_ _0\"></span> for busine<span class=\"_ _0\"></span>ss com<span class=\"_ _0\"></span>binations. T<span class=\"_ _0\"></span>he cons<span class=\"_ _1\"></span>iderat<span class=\"_ _1\"></span>ion tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span> for the a<span class=\"_ _1\"></span>cqui<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n of a subsid<span class=\"_ _1\"></span>iary is<span class=\"_ _1\"></span> the fair v<span class=\"_ _1\"></span>alues of t<span class=\"_ _1\"></span>he asset<span class=\"_ _1\"></span>s trans<span class=\"_ _1\"></span>ferred, t<span class=\"_ _1\"></span>he liabilities in<span class=\"_ _1\"></span>curred and<span class=\"_ _1\"></span> the equity interest<span class=\"_ _1\"></span>s issu<span class=\"ls8 ws15\">ed by the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion tra<span class=\"_ _0\"></span>nsfe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncludes t<span class=\"_ _0\"></span>he </span>fair value of an<span class=\"_ _1\"></span>y asset o<span class=\"_ _1\"></span>r liability resultin<span class=\"_ _1\"></span>g from a contingen<span class=\"_ _1\"></span>t considera<span class=\"_ _1\"></span>tion arrangem<span class=\"_ _1\"></span>ent. Acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>relate<span class=\"_ _0\"></span>d costs are<span class=\"_ _0\"></span> expensed as i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d. Identi<span class=\"_ _0\"></span>fiable asse<span class=\"_ _0\"></span>ts acquire<span class=\"_ _0\"></span>d and liabil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s and con<span class=\"ls6 ws7\">tingent liabilit<span class=\"_ _1\"></span>ies </span>assumed in a busi<span class=\"_ _0\"></span>ness combi<span class=\"_ _0\"></span>nation are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d initial<span class=\"_ _0\"></span>ly at their f<span class=\"_ _0\"></span>air values at the<span class=\"_ _0\"></span> acquisition dat<span class=\"_ _0\"></span>e. On an acquisi<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">by</span>-<span class=\"ls8 ws53\">acquisiti<span class=\"_ _0\"></span>on basi<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>ognises a<span class=\"_ _0\"></span>ny no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">controlling in<span class=\"_ _1\"></span>terest in the acqu<span class=\"_ _1\"></span>iree either at </span></span></span></span>fair value or at <span class=\"ls8 wsa\">the<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-</span>contr<span class=\"_ _0\"></span>olling<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st\u2019s proporti<span class=\"_ _0\"></span>onate<span class=\"_ _0\"></span> share of<span class=\"_ _0\"></span> the acqui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s net as<span class=\"_ _0\"></span>sets.<span class=\"ls1 ws1\"> </span></span>1.6      Intangib<span class=\"_ _1\"></span>le assets<span class=\"ls1 ws1\"> </span>1.6.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws7\">Go<span class=\"_ _1\"></span>odwill<span class=\"_ _1\"></span></span> </span>Goodwi<span class=\"_ _1\"></span>ll repres<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> the exces<span class=\"_ _1\"></span>s o<span class=\"_ _1\"></span>f the cost of a<span class=\"_ _1\"></span>n acquis<span class=\"_ _1\"></span>ition ov<span class=\"_ _1\"></span>er the fai<span class=\"_ _1\"></span>r value of t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span>\u2019s sha<span class=\"_ _1\"></span>re of the identifiable n<span class=\"_ _1\"></span>et assets o<span class=\"_ _1\"></span>f the acquired subsid<span class=\"_ _1\"></span>iary at the date of acquis<span class=\"_ _1\"></span>ition. Goodwill on acq<span class=\"_ _1\"></span>uisitions of subs<span class=\"_ _1\"></span>idiaries is inclu<span class=\"_ _1\"></span>ded in \u2018intangib<span class=\"_ _1\"></span>le <span class=\"lse ws8b\">assets\u2019<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span>Goodwill is tes<span class=\"_ _1\"></span>ted annua<span class=\"_ _1\"></span>lly for impair<span class=\"_ _1\"></span>ment and carri<span class=\"_ _1\"></span>ed at cos<span class=\"_ _1\"></span>t less accumu<span class=\"_ _1\"></span>lated impa<span class=\"_ _1\"></span>irment losses<span class=\"_ _1\"></span>. Impairm<span class=\"_ _0\"></span>ent lo<span class=\"_ _0\"></span>sses on g<span class=\"_ _0\"></span>oodwill<span class=\"_ _0\"></span> are not<span class=\"_ _0\"></span> reve<span class=\"_ _0\"></span>rsed. G<span class=\"_ _0\"></span>ains a<span class=\"_ _0\"></span>nd losse<span class=\"_ _0\"></span>s on the<span class=\"_ _0\"></span> dispo<span class=\"_ _0\"></span>sal of<span class=\"_ _0\"></span> an e<span class=\"_ _0\"></span>ntity inc<span class=\"_ _0\"></span>lude <span class=\"_ _0\"></span>the carrying amou<span class=\"_ _1\"></span>nt of goodwill r<span class=\"_ _1\"></span>elating to<span class=\"_ _1\"></span> the entity <span class=\"ws8\">s<span class=\"_ _1\"></span>old. <span class=\"ls1 ws1\"> </span></span>Goodwill is allo<span class=\"_ _1\"></span>cated to cas<span class=\"_ _1\"></span>h<span class=\"ls1 ws1\">-</span>generating unit<span class=\"_ _1\"></span>s for the purpose of impa<span class=\"_ _1\"></span>irment testing. The a<span class=\"_ _1\"></span>llocation<span class=\"_ _1\"></span> is made to those cash<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">generating unit<span class=\"_ _1\"></span>s or gro<span class=\"_ _1\"></span>ups of cas<span class=\"_ _1\"></span>h</span>-<span class=\"ls8 wsb\">generati<span class=\"_ _0\"></span>ng units that a<span class=\"_ _0\"></span>re ex<span class=\"_ _0\"></span>pected to bene<span class=\"_ _0\"></span>fit from the </span></span>busin<span class=\"_ _1\"></span>ess combina<span class=\"_ _1\"></span>tion in which the goo<span class=\"_ _1\"></span>dwill arose, id<span class=\"_ _1\"></span>entified acco<span class=\"_ _1\"></span>rding to op<span class=\"_ _1\"></span>erating segment<span class=\"_ _1\"></span>.  A cash<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>gener<span class=\"_ _0\"></span>ating unit<span class=\"_ _0\"></span> to which goodwi<span class=\"_ _0\"></span>ll has bee<span class=\"_ _0\"></span>n alloc<span class=\"_ _0\"></span>ated is tested fo<span class=\"_ _0\"></span>r impai<span class=\"_ _0\"></span>rment annuall<span class=\"_ _0\"></span>y, and whene<span class=\"_ _0\"></span>ver there<span class=\"_ _0\"></span> is an indicat<span class=\"_ _0\"></span>ion that the<span class=\"_ _0\"></span> unit may be impai<span class=\"_ _0\"></span>red by com<span class=\"_ _0\"></span>paring the c<span class=\"_ _0\"></span>arrying<span class=\"_ _0\"></span> amount of the unit<span class=\"_ _0\"></span><span class=\"ls6 ws2e\">, includin<span class=\"_ _1\"></span>g </span>the go<span class=\"_ _1\"></span>odwill,<span class=\"_ _1\"></span> with th<span class=\"_ _1\"></span>e recover<span class=\"_ _1\"></span>ab<span class=\"_ _1\"></span>le amoun<span class=\"_ _1\"></span>t of th<span class=\"_ _1\"></span>e unit<span class=\"_ _1\"></span>.  The recov<span class=\"_ _1\"></span>erable a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e higher<span class=\"_ _1\"></span> of fair v<span class=\"_ _1\"></span>alue<span class=\"_ _1\"></span> less c<span class=\"_ _0\"></span>osts to<span class=\"_ _0\"></span> sell<span class=\"_ _0\"></span> and val<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>n use<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-533": {
   "value": "1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span>1.1.1<span class=\"ff9 ls1 ws1\"> <span class=\"_ _9a\"> </span></span><span class=\"ls7 ws4e\">Consolidation<span class=\"_ _bc\"> </span></span>The Group use<span class=\"_ _0\"></span>s the acqui<span class=\"_ _0\"></span>siti<span class=\"_ _0\"></span>on metho<span class=\"_ _0\"></span>d of acc<span class=\"_ _0\"></span>ounting to account<span class=\"_ _0\"></span> for busine<span class=\"_ _0\"></span>ss com<span class=\"_ _0\"></span>binations. T<span class=\"_ _0\"></span>he cons<span class=\"_ _1\"></span>iderat<span class=\"_ _1\"></span>ion tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span> for the a<span class=\"_ _1\"></span>cqui<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n of a subsid<span class=\"_ _1\"></span>iary is<span class=\"_ _1\"></span> the fair v<span class=\"_ _1\"></span>alues of t<span class=\"_ _1\"></span>he asset<span class=\"_ _1\"></span>s trans<span class=\"_ _1\"></span>ferred, t<span class=\"_ _1\"></span>he liabilities in<span class=\"_ _1\"></span>curred and<span class=\"_ _1\"></span> the equity interest<span class=\"_ _1\"></span>s issu<span class=\"ls8 ws15\">ed by the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion tra<span class=\"_ _0\"></span>nsfe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncludes t<span class=\"_ _0\"></span>he </span>fair value of an<span class=\"_ _1\"></span>y asset o<span class=\"_ _1\"></span>r liability resultin<span class=\"_ _1\"></span>g from a contingen<span class=\"_ _1\"></span>t considera<span class=\"_ _1\"></span>tion arrangem<span class=\"_ _1\"></span>ent. Acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>relate<span class=\"_ _0\"></span>d costs are<span class=\"_ _0\"></span> expensed as i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d. Identi<span class=\"_ _0\"></span>fiable asse<span class=\"_ _0\"></span>ts acquire<span class=\"_ _0\"></span>d and liabil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s and con<span class=\"ls6 ws7\">tingent liabilit<span class=\"_ _1\"></span>ies </span>assumed in a busi<span class=\"_ _0\"></span>ness combi<span class=\"_ _0\"></span>nation are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d initial<span class=\"_ _0\"></span>ly at their f<span class=\"_ _0\"></span>air values at the<span class=\"_ _0\"></span> acquisition dat<span class=\"_ _0\"></span>e. On an acquisi<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">by</span>-<span class=\"ls8 ws53\">acquisiti<span class=\"_ _0\"></span>on basi<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>ognises a<span class=\"_ _0\"></span>ny no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">controlling in<span class=\"_ _1\"></span>terest in the acqu<span class=\"_ _1\"></span>iree either at </span></span></span></span>fair value or at <span class=\"ls8 wsa\">the<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-</span>contr<span class=\"_ _0\"></span>olling<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st\u2019s proporti<span class=\"_ _0\"></span>onate<span class=\"_ _0\"></span> share of<span class=\"_ _0\"></span> the acqui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s net as<span class=\"_ _0\"></span>sets.<span class=\"ls1 ws1\"> </span></span>The exc<span class=\"_ _0\"></span>ess of the<span class=\"_ _0\"></span> consider<span class=\"_ _0\"></span>ation transfe<span class=\"_ _0\"></span>rred, t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of any non<span class=\"ls1 ws1\">-<span class=\"ls6 ws12\">controlling in<span class=\"_ _1\"></span>terest in the acq<span class=\"_ _1\"></span>uiree and<span class=\"_ _1\"></span> </span></span>the acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"ls8 ws33\">date fair va<span class=\"_ _0\"></span>lue of a<span class=\"_ _0\"></span>ny previous e<span class=\"_ _0\"></span>quity inte<span class=\"_ _0\"></span>rest in the<span class=\"_ _0\"></span> acquir<span class=\"_ _0\"></span>ee over the f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> of the </span></span>identifiable n<span class=\"_ _1\"></span>et assets a<span class=\"_ _1\"></span>cquired i<span class=\"_ _1\"></span>s recor<span class=\"ls5 ws1a\">ded a<span class=\"_ _1\"></span>s goo<span class=\"_ _1\"></span>dwill<span class=\"_ _1\"></span>. If t<span class=\"_ _1\"></span>his ag<span class=\"_ _1\"></span>gregate is<span class=\"_ _1\"></span> les<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>n the fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue of th<span class=\"_ _1\"></span>e </span>identif<span class=\"_ _0\"></span>iable<span class=\"_ _0\"></span> net assets<span class=\"_ _0\"></span> of the<span class=\"_ _11\"></span> subsidiary acqui<span class=\"_ _0\"></span>red in<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> case o<span class=\"_ _0\"></span>f a ba<span class=\"_ _0\"></span>rgain<span class=\"_ _0\"></span> purchase,<span class=\"_ _11\"></span> the diffe<span class=\"_ _0\"></span>rence i<span class=\"_ _0\"></span>s recognised d<span class=\"_ _1\"></span>irectly in the pr<span class=\"_ _1\"></span>ofit or los<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithNoncontrollingInterestsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-508": {
   "value": "1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span>1.1.1<span class=\"ff9 ls1 ws1\"> <span class=\"_ _9a\"> </span></span><span class=\"ls7 ws4e\">Consolidation<span class=\"_ _bc\"> </span></span><span class=\"ls7 ws4e\"><span class=\"ls1 ws1\"> </span></span>Subsidiari<span class=\"_ _0\"></span>es are a<span class=\"_ _0\"></span>ll entitie<span class=\"_ _0\"></span>s over which the<span class=\"_ _0\"></span> Group has contro<span class=\"_ _0\"></span>l. The G<span class=\"_ _0\"></span>roup control<span class=\"_ _0\"></span>s an entity whe<span class=\"_ _0\"></span>re the Group is expose<span class=\"_ _0\"></span>d to, or has rig<span class=\"_ _0\"></span>hts to, va<span class=\"_ _0\"></span>riable<span class=\"_ _0\"></span> returns f<span class=\"_ _0\"></span>rom it<span class=\"_ _0\"></span>s involvem<span class=\"_ _0\"></span>ent with the<span class=\"_ _0\"></span> entity a<span class=\"_ _0\"></span>nd has the abil<span class=\"_ _0\"></span>ity to affe<span class=\"_ _0\"></span>ct those re<span class=\"_ _0\"></span>turns throug<span class=\"_ _0\"></span>h its powe<span class=\"_ _0\"></span><span class=\"ls6 ws5f\">r to direct the <span class=\"_ _1\"></span>activities o<span class=\"_ _1\"></span>f the entity. Sub<span class=\"_ _1\"></span>sidiaries a<span class=\"_ _1\"></span>re fully </span>consolidate<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> the date<span class=\"_ _0\"></span> on<span class=\"_ _0\"></span> whic<span class=\"_ _0\"></span>h control i<span class=\"_ _11\"></span>s transferre<span class=\"_ _0\"></span>d to the G<span class=\"_ _0\"></span>roup. T<span class=\"_ _0\"></span>hey ar<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>onsoli<span class=\"_ _0\"></span>dated fr<span class=\"_ _0\"></span>om the<span class=\"_ _0\"></span> date that control cease<span class=\"_ _0\"></span>s.<span class=\"ls1\"> </span>The Group use<span class=\"_ _0\"></span>s the acqui<span class=\"_ _0\"></span>siti<span class=\"_ _0\"></span>on metho<span class=\"_ _0\"></span>d of acc<span class=\"_ _0\"></span>ounting to account<span class=\"_ _0\"></span> for busine<span class=\"_ _0\"></span>ss com<span class=\"_ _0\"></span>binations. T<span class=\"_ _0\"></span>he cons<span class=\"_ _1\"></span>iderat<span class=\"_ _1\"></span>ion tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span> for the a<span class=\"_ _1\"></span>cqui<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n of a subsid<span class=\"_ _1\"></span>iary is<span class=\"_ _1\"></span> the fair v<span class=\"_ _1\"></span>alues of t<span class=\"_ _1\"></span>he asset<span class=\"_ _1\"></span>s trans<span class=\"_ _1\"></span>ferred, t<span class=\"_ _1\"></span>he liabilities in<span class=\"_ _1\"></span>curred and<span class=\"_ _1\"></span> the equity interest<span class=\"_ _1\"></span>s issu<span class=\"ls8 ws15\">ed by the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion tra<span class=\"_ _0\"></span>nsfe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncludes t<span class=\"_ _0\"></span>he </span>fair value of an<span class=\"_ _1\"></span>y asset o<span class=\"_ _1\"></span>r liability resultin<span class=\"_ _1\"></span>g from a contingen<span class=\"_ _1\"></span>t considera<span class=\"_ _1\"></span>tion arrangem<span class=\"_ _1\"></span>ent. Acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>relate<span class=\"_ _0\"></span>d costs are<span class=\"_ _0\"></span> expensed as i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d. Identi<span class=\"_ _0\"></span>fiable asse<span class=\"_ _0\"></span>ts acquire<span class=\"_ _0\"></span>d and liabil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s and con<span class=\"ls6 ws7\">tingent liabilit<span class=\"_ _1\"></span>ies </span>assumed in a busi<span class=\"_ _0\"></span>ness combi<span class=\"_ _0\"></span>nation are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d initial<span class=\"_ _0\"></span>ly at their f<span class=\"_ _0\"></span>air values at the<span class=\"_ _0\"></span> acquisition dat<span class=\"_ _0\"></span>e. On an acquisi<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">by</span>-<span class=\"ls8 ws53\">acquisiti<span class=\"_ _0\"></span>on basi<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>ognises a<span class=\"_ _0\"></span>ny no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">controlling in<span class=\"_ _1\"></span>terest in the acqu<span class=\"_ _1\"></span>iree either at </span></span></span></span>fair value or at <span class=\"ls8 wsa\">the<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-</span>contr<span class=\"_ _0\"></span>olling<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st\u2019s proporti<span class=\"_ _0\"></span>onate<span class=\"_ _0\"></span> share of<span class=\"_ _0\"></span> the acqui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s net as<span class=\"_ _0\"></span>sets.<span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-494": {
   "value": "1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span>1.1<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span><span class=\"ls7\">Basis of preparation</span></span><span class=\"ls1 ws1\"> </span><div class=\"t m0 h8 ff5 fs1 fc0 sc0 ls1 ws1 gsf\"> <span class=\"_ _24\"> </span><span class=\"lsb ws24\">Standards, interpr<span class=\"_ _0\"></span>etations an<span class=\"_ _0\"></span>d amendments<span class=\"_ _0\"></span> to published s<span class=\"_ _0\"></span>tandar<span class=\"_ _0\"></span>ds effecti<span class=\"_ _0\"></span>ve in 202<span class=\"ls1 ws1\">5 </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs10\">In 202<span class=\"ls1 ws1\">5<span class=\"ls8 wsa\">, the Group ado<span class=\"_ _0\"></span>pted ame<span class=\"_ _0\"></span>ndments and inte<span class=\"_ _0\"></span>rpre<span class=\"_ _0\"></span>tations to e<span class=\"_ _0\"></span>xisting sta<span class=\"_ _0\"></span>ndards tha<span class=\"_ _0\"></span>t a<span class=\"_ _0\"></span>re manda<span class=\"_ _0\"></span>tory for </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws40 gs11\">the Gr<span class=\"_ _0\"></span>oup\u2019s accounti<span class=\"_ _0\"></span>ng period be<span class=\"_ _0\"></span>ginning on 1<span class=\"_ _0\"></span> January 202<span class=\"_ _0\"></span><span class=\"ls1 ws1\">5<span class=\"ls8 ws40\">. The adopti<span class=\"_ _0\"></span>on of the<span class=\"_ _0\"></span>se revisions to t<span class=\"_ _0\"></span>he </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs12\">require<span class=\"_ _0\"></span>ments of I<span class=\"_ _0\"></span>FRSs as ado<span class=\"_ _0\"></span>pted by t<span class=\"_ _0\"></span>he EU<span class=\"_ _0\"></span> did not r<span class=\"_ _0\"></span>esult<span class=\"_ _0\"></span> in chang<span class=\"_ _0\"></span>es to t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up\u2019s acc<span class=\"_ _0\"></span>ounting poli<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs13\">impacting mater<span class=\"_ _1\"></span>ially the Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> financial performan<span class=\"_ _1\"></span>ce and pos<span class=\"_ _1\"></span>ition.</div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs14\"> <span class=\"_ _24\"> </span><span class=\"ff5 lsb ws24\">Standards, interpr<span class=\"_ _0\"></span>etations an<span class=\"_ _0\"></span>d amendments<span class=\"_ _0\"></span> to published s<span class=\"_ _0\"></span>tandar<span class=\"_ _0\"></span>ds that are not y<span class=\"_ _0\"></span>et effec<span class=\"_ _0\"></span>tive<span class=\"ls1 ws1\"> </span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-477": {
   "value": "1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span>The m<span class=\"_ _0\"></span>aterial ac<span class=\"_ _0\"></span>counting<span class=\"_ _0\"></span> policie<span class=\"_ _0\"></span>s adopted i<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span> preparati<span class=\"_ _0\"></span>on of<span class=\"_ _0\"></span> these f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> set out be<span class=\"_ _0\"></span>low. Unless othe<span class=\"_ _0\"></span>rwi<span class=\"_ _0\"></span>se stated,<span class=\"_ _0\"></span> these pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s have been consi<span class=\"_ _0\"></span>stently appl<span class=\"_ _0\"></span>ied to al<span class=\"_ _0\"></span>l the ye<span class=\"_ _0\"></span>ars prese<span class=\"_ _0\"></span>nted and re<span class=\"_ _0\"></span>late to both the G<span class=\"_ _0\"></span>roup an<span class=\"_ _0\"></span>d the Bank.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>1.1<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span><span class=\"ls7\">Basis of preparation</span></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>onsolidate<span class=\"_ _0\"></span>d financi<span class=\"_ _0\"></span>al statem<span class=\"_ _0\"></span>ents inc<span class=\"_ _0\"></span>lude the<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> statements of<span class=\"_ _0\"></span> Lombar<span class=\"_ _0\"></span>d Bank Mal<span class=\"_ _0\"></span>ta p.l.c.<span class=\"_ _0\"></span> (the Bank) and it<span class=\"_ _0\"></span>s subsi<span class=\"_ _0\"></span>diary un<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>takings (t<span class=\"_ _0\"></span>ogethe<span class=\"_ _0\"></span>r refe<span class=\"_ _0\"></span>rred to as \u2018t<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup\u2019 and in<span class=\"_ _0\"></span>dividual<span class=\"_ _0\"></span>ly as \u2018G<span class=\"_ _0\"></span>roup entit<span class=\"_ _1\"></span>ies\u2019). Th<span class=\"_ _1\"></span>e Ban<span class=\"_ _1\"></span>k\u2019s fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al s<span class=\"_ _1\"></span>tatemen<span class=\"_ _1\"></span>ts ha<span class=\"_ _1\"></span>ve <span class=\"ls8 ws4f\">been prepared in ac<span class=\"_ _0\"></span>cordanc<span class=\"_ _0\"></span>e with the<span class=\"_ _0\"></span> requireme<span class=\"_ _0\"></span>nts of </span>Internati<span class=\"_ _0\"></span>onal Fina<span class=\"_ _0\"></span>ncial R<span class=\"_ _0\"></span>eporting St<span class=\"_ _0\"></span>andards (\u2018IF<span class=\"_ _0\"></span>RSs\u2019) as ado<span class=\"_ _0\"></span>pted by the EU<span class=\"_ _0\"></span> and with the re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents of the Banking Act 1994 (Ch<span class=\"_ _1\"></span>apter 37<span class=\"_ _1\"></span>1 of the Laws of Ma<span class=\"_ _1\"></span>lta) and the Compan<span class=\"_ _1\"></span>ies Act, 1995 (Cha<span class=\"_ _1\"></span>pter 386 of<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls5 ws2b\">the Laws<span class=\"_ _1\"></span> </span></span>of Malta<span class=\"_ _0\"></span>). These<span class=\"_ _0\"></span> consolidated f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> prepared unde<span class=\"_ _0\"></span>r the hi<span class=\"_ _0\"></span>storical<span class=\"_ _0\"></span> cost convention,<span class=\"_ _0\"></span> as<span class=\"_ _0\"></span> modified by th<span class=\"_ _1\"></span>e fair valu<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of certain fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets and fin<span class=\"_ _1\"></span>ancial liabi<span class=\"_ _1\"></span>lities an<span class=\"_ _1\"></span>d the rev<span class=\"_ _1\"></span>aluation o<span class=\"_ _1\"></span>f the land an<span class=\"_ _1\"></span>d buildings cl<span class=\"_ _1\"></span>ass with<span class=\"ls8 wsa\">in property, pl<span class=\"_ _0\"></span>ant and e<span class=\"_ _0\"></span>quipm<span class=\"_ _0\"></span>ent.<span class=\"ls1 ws1\"> </span></span>The pre<span class=\"_ _0\"></span>paratio<span class=\"_ _0\"></span>n of fina<span class=\"_ _0\"></span>ncial stat<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts in confo<span class=\"_ _0\"></span>rmity w<span class=\"_ _0\"></span>ith IFR<span class=\"_ _0\"></span>Ss as adopte<span class=\"_ _0\"></span>d by t<span class=\"_ _0\"></span>he EU re<span class=\"_ _0\"></span>quires t<span class=\"_ _0\"></span>he use o<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span> certain accou<span class=\"_ _1\"></span>nting estimat<span class=\"_ _1\"></span>es. It als<span class=\"_ _1\"></span>o requires the Director<span class=\"_ _1\"></span>s to exercise th<span class=\"_ _1\"></span>eir judgment in t<span class=\"_ _1\"></span>he process o<span class=\"_ _1\"></span>f applyin<span class=\"_ _1\"></span>g the Group\u2019s<span class=\"_ _1\"></span> accountin<span class=\"_ _1\"></span>g policies (se<span class=\"_ _1\"></span><span class=\"ls5 ws1e\">e note 3<span class=\"_ _1\"></span>.1 <span class=\"ls1 ws1\">\u2013 <span class=\"_ _10\"> </span></span></span>Critical accou<span class=\"_ _1\"></span>nting esti<span class=\"_ _1\"></span>mates a<span class=\"_ _1\"></span>nd jud<span class=\"_ _1\"></span>gments in applying the<span class=\"_ _0\"></span> Group\u2019s ac<span class=\"_ _0\"></span>counti<span class=\"_ _0\"></span>ng polic<span class=\"_ _0\"></span>ies)<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span> <span class=\"_ _24\"> </span><span class=\"lsb ws24\">Standards, interpr<span class=\"_ _0\"></span>etations an<span class=\"_ _0\"></span>d amendments<span class=\"_ _0\"></span> to published s<span class=\"_ _0\"></span>tandar<span class=\"_ _0\"></span>ds effecti<span class=\"_ _0\"></span>ve in 202<span class=\"ls1 ws1\">5 </span></span>In 202<span class=\"ls1 ws1\">5<span class=\"ls8 wsa\">, the Group ado<span class=\"_ _0\"></span>pted ame<span class=\"_ _0\"></span>ndments and inte<span class=\"_ _0\"></span>rpre<span class=\"_ _0\"></span>tations to e<span class=\"_ _0\"></span>xisting sta<span class=\"_ _0\"></span>ndards tha<span class=\"_ _0\"></span>t a<span class=\"_ _0\"></span>re manda<span class=\"_ _0\"></span>tory for </span></span>the Gr<span class=\"_ _0\"></span>oup\u2019s accounti<span class=\"_ _0\"></span>ng period be<span class=\"_ _0\"></span>ginning on 1<span class=\"_ _0\"></span> January 202<span class=\"_ _0\"></span><span class=\"ls1 ws1\">5<span class=\"ls8 ws40\">. The adopti<span class=\"_ _0\"></span>on of the<span class=\"_ _0\"></span>se revisions to t<span class=\"_ _0\"></span>he </span></span>require<span class=\"_ _0\"></span>ments of I<span class=\"_ _0\"></span>FRSs as ado<span class=\"_ _0\"></span>pted by t<span class=\"_ _0\"></span>he EU<span class=\"_ _0\"></span> did not r<span class=\"_ _0\"></span>esult<span class=\"_ _0\"></span> in chang<span class=\"_ _0\"></span>es to t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up\u2019s acc<span class=\"_ _0\"></span>ounting poli<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>s impacting mater<span class=\"_ _1\"></span>ially the Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> financial performan<span class=\"_ _1\"></span>ce and pos<span class=\"_ _1\"></span>ition. <span class=\"_ _24\"> </span><span class=\"ff5 lsb ws24\">Standards, interpr<span class=\"_ _0\"></span>etations an<span class=\"_ _0\"></span>d amendments<span class=\"_ _0\"></span> to published s<span class=\"_ _0\"></span>tandar<span class=\"_ _0\"></span>ds that are not y<span class=\"_ _0\"></span>et effec<span class=\"_ _0\"></span>tive<span class=\"ls1 ws1\"> </span></span>Certa<span class=\"_ _0\"></span>in new standards, am<span class=\"_ _0\"></span>endm<span class=\"_ _0\"></span>ents and inte<span class=\"_ _0\"></span>rpreta<span class=\"_ _0\"></span>tions to ex<span class=\"_ _0\"></span>isting standar<span class=\"_ _0\"></span>ds have bee<span class=\"_ _0\"></span>n publish<span class=\"ls1 ws1\">e</span><span class=\"ws16\">d <span class=\"_ _13\"></span>and </span>endorsed <span class=\"ls1 ws1\">b</span><span class=\"ws2d\">y the EU <span class=\"ls5 ws2a\">b<span class=\"_ _0\"></span>y the d<span class=\"_ _1\"></span>ate of au<span class=\"_ _1\"></span>thori<span class=\"_ _1\"></span>satio<span class=\"_ _1\"></span>n of th<span class=\"_ _1\"></span>ese fina<span class=\"_ _1\"></span>ncial s<span class=\"_ _1\"></span>tatemen<span class=\"_ _1\"></span>ts b<span class=\"_ _1\"></span>ut are n<span class=\"_ _1\"></span>ot yet effe<span class=\"_ _1\"></span>ctive fo<span class=\"_ _1\"></span>r </span></span>the Gr<span class=\"_ _0\"></span>oup\u2019s curre<span class=\"_ _0\"></span>nt report<span class=\"_ _0\"></span>ing per<span class=\"_ _0\"></span>iod. <span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup did not e<span class=\"_ _0\"></span>arly adop<span class=\"_ _0\"></span>t any new<span class=\"_ _0\"></span> standards<span class=\"_ _0\"></span>, ame<span class=\"_ _0\"></span>ndment<span class=\"_ _0\"></span>s and interpr<span class=\"_ _0\"></span>etatio<span class=\"_ _0\"></span>ns to <span class=\"_ _0\"></span>existi<span class=\"_ _0\"></span>ng standard<span class=\"_ _0\"></span>s applicab<span class=\"_ _1\"></span>le to periods<span class=\"_ _1\"></span> after 1 Jan<span class=\"_ _1\"></span>uary 202<span class=\"ls1 ws1\">6 <span class=\"ls8 ws15\">and the <span class=\"ls5 ws7\">Group<span class=\"ws16\">\u2019s<span class=\"_ _1\"></span> mana<span class=\"_ _1\"></span>gement i<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e opin<span class=\"_ _1\"></span>ion<span class=\"_ _1\"></span> that<span class=\"_ _1\"></span> there ar<span class=\"_ _1\"></span>e no </span></span></span></span>require<span class=\"_ _0\"></span>ments that w<span class=\"_ _0\"></span>ill have<span class=\"_ _0\"></span> a possible signi<span class=\"_ _0\"></span>ficant<span class=\"_ _0\"></span> impact<span class=\"_ _0\"></span> on the Group\u2019s <span class=\"ls6 ws10\">financial resu<span class=\"_ _1\"></span>lts and fin<span class=\"_ _1\"></span>ancial </span>positio<span class=\"_ _1\"></span>n<span class=\"ls1 ws1\"> </span><span class=\"ws7\">in the perio<span class=\"_ _1\"></span>d of initial appl<span class=\"_ _1\"></span>ication.<span class=\"ls1 ws1\"> </span></span>Amendments to IFR<span class=\"_ _0\"></span>S 9 and IF<span class=\"_ _0\"></span>RS 7 <span class=\"ls1 ws1\">- </span>class<span class=\"_ _0\"></span>ification and meas<span class=\"_ _0\"></span>urement of f<span class=\"_ _0\"></span>inancial inst<span class=\"_ _0\"></span>ruments<span class=\"ls1 ws1\"> </span>In May 2024, the IASB is<span class=\"_ _1\"></span>sued amendments t<span class=\"_ _1\"></span>o IFRS 9 \u201cFinancial Ins<span class=\"_ _1\"></span>truments\u201d<span class=\"_ _1\"></span> and IFRS 7 \u201cFinancial Instrume<span class=\"_ _0\"></span>nts: Disc<span class=\"_ _0\"></span>losures\u201d, w<span class=\"_ _0\"></span>hich are<span class=\"_ _0\"></span> effec<span class=\"_ _0\"></span>tive fo<span class=\"_ _0\"></span>r annual report<span class=\"_ _0\"></span>ing peri<span class=\"_ _0\"></span>ods beginni<span class=\"_ _0\"></span>ng on or af<span class=\"_ _0\"></span>ter 1<span class=\"_ _0\"></span> January 2026. The a<span class=\"_ _1\"></span>mendments<span class=\"_ _1\"></span> clarify when <span class=\"_ _1\"></span>certain <span class=\"_ _1\"></span>financial lia<span class=\"_ _1\"></span>bilities ca<span class=\"_ _1\"></span>n be con<span class=\"_ _1\"></span>sidered extin<span class=\"_ _1\"></span>guished wh<span class=\"_ _1\"></span>en settle<span class=\"_ _0\"></span>ment is made<span class=\"_ _0\"></span> via an e<span class=\"_ _0\"></span>lectronic<span class=\"_ _0\"></span> payment<span class=\"_ _0\"></span> system, and they al<span class=\"_ _0\"></span>so provide a<span class=\"_ _0\"></span>dditiona<span class=\"_ _0\"></span>l guidanc<span class=\"_ _0\"></span>e on the<span class=\"_ _0\"></span> classificat<span class=\"_ _1\"></span>ion of financia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets with contr<span class=\"_ _1\"></span>actual terms th<span class=\"_ _1\"></span>at modi<span class=\"_ _1\"></span>fy the timing o<span class=\"_ _1\"></span>r amou<span class=\"_ _1\"></span>nt of cash<span class=\"_ _1\"></span> flows, includin<span class=\"_ _1\"></span>g those link<span class=\"_ _1\"></span>ed to ESG<span class=\"ls1 ws1\">-</span>related cont<span class=\"_ _1\"></span>ingencies,<span class=\"_ _1\"></span> as well as finan<span class=\"_ _1\"></span>cial assets with s<span class=\"_ _1\"></span>pecified non<span class=\"ff12 ls1 ws1\">\u2011</span><span class=\"ls5 ws7\">r<span class=\"_ _1\"></span>ecours<span class=\"_ _1\"></span>e </span>featur<span class=\"_ _1\"></span>es. The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> is cur<span class=\"_ _1\"></span>rently<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>essing t<span class=\"_ _1\"></span>he pot<span class=\"_ _1\"></span>ential i<span class=\"_ _1\"></span>mpact o<span class=\"_ _1\"></span>f these a<span class=\"_ _1\"></span>mendm<span class=\"_ _1\"></span>ents.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs16\">IFRS 18 \u2018Pr<span class=\"_ _0\"></span>esentation and D<span class=\"_ _0\"></span>isclosur<span class=\"_ _0\"></span>e in Financial<span class=\"_ _0\"></span> Statements\u2019<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs17\">In April 202<span class=\"ls1 ws1\">4</span>, th<span class=\"_ _1\"></span>e IASB issued IFRS 18 \u2018Presen<span class=\"_ _1\"></span>tation an<span class=\"_ _1\"></span>d Disclosure in Fin<span class=\"_ _1\"></span>ancial Stat<span class=\"_ _1\"></span>ements\u2019, effective for </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs18\">annual repor<span class=\"_ _0\"></span>ting pe<span class=\"_ _0\"></span>riods be<span class=\"_ _0\"></span>ginning<span class=\"_ _0\"></span> on or aft<span class=\"_ _0\"></span>er 1 Ja<span class=\"_ _0\"></span>nuary 20<span class=\"_ _0\"></span>27<span class=\"lsa ws24\">. </span>IF<span class=\"_ _0\"></span>RS 18<span class=\"_ _0\"></span> has been e<span class=\"_ _0\"></span>ndorsed by t<span class=\"_ _0\"></span>he EU<span class=\"_ _0\"></span> on 13 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws51 gs19\">February 2026. <span class=\"_ _1\"></span><span class=\"ls18 ws74\">The<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls8 ws16\">new</span>  <span class=\"ls7 ws8e\">stan<span class=\"_ _1\"></span>dard aims to give user<span class=\"_ _0\"></span>s of financial state<span class=\"_ _0\"></span>ments more transparent and </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsa0 gs1a\">comparable inf<span class=\"_ _0\"></span>ormation about an entity\u2019s financi<span class=\"_ _0\"></span>al perform<span class=\"_ _0\"></span>ance. It will re<span class=\"_ _0\"></span>place IAS 1 \u2018Presentation of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs1b\">Financia<span class=\"_ _0\"></span>l State<span class=\"_ _0\"></span>ments\u2019 but car<span class=\"_ _0\"></span>ries ove<span class=\"_ _0\"></span>r many re<span class=\"_ _0\"></span>quireme<span class=\"_ _0\"></span>nts from<span class=\"_ _0\"></span> that <span class=\"ls7 ws4e\">standard</span>. In additi<span class=\"_ _0\"></span>on, the<span class=\"_ _0\"></span>re ar<span class=\"_ _0\"></span>e new </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse9 gs1c\">requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s relat<span class=\"_ _1\"></span>ing to<span class=\"_ _1\"></span> the st<span class=\"_ _1\"></span>ructu<span class=\"_ _1\"></span>re of the i<span class=\"_ _1\"></span>ncom<span class=\"_ _1\"></span>e sta<span class=\"_ _1\"></span>tement,<span class=\"_ _1\"></span> manag<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>defi<span class=\"_ _1\"></span>ned p<span class=\"_ _1\"></span>erforman<span class=\"_ _1\"></span>ce </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs1d\">measures an<span class=\"_ _1\"></span>d the aggregation an<span class=\"_ _1\"></span>d disaggregation of financial in<span class=\"_ _1\"></span>formation. Wh<span class=\"_ _1\"></span>ile IFRS 18 will not chan<span class=\"_ _1\"></span>ge </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs1e\">recognition cr<span class=\"_ _1\"></span>iteria or meas<span class=\"ls5 ws63\">u<span class=\"_ _1\"></span>remen<span class=\"_ _1\"></span>t bas<span class=\"_ _1\"></span>es, it may<span class=\"_ _1\"></span> have a<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span></span><span class=\"ws8\">significan<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 ws17\">impac<span class=\"_ _0\"></span>t on prese<span class=\"_ _0\"></span>nting<span class=\"_ _0\"></span> inform<span class=\"_ _0\"></span>ation in<span class=\"_ _0\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs1f\">the fi<span class=\"_ _0\"></span>nancial stat<span class=\"_ _0\"></span>ements, in pa<span class=\"_ _0\"></span>rticula<span class=\"_ _0\"></span>r the inc<span class=\"_ _0\"></span>ome state<span class=\"_ _0\"></span>ment and the cash f<span class=\"_ _0\"></span>low state<span class=\"_ _0\"></span>ment. The<span class=\"_ _0\"></span> Group <span class=\"ls6 ws8\">will </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs20\">be <span class=\"_ _13\"></span><span class=\"ls8 wsb\">assessing the deta<span class=\"_ _0\"></span>iled im<span class=\"_ _0\"></span>plica<span class=\"_ _0\"></span>tions of appl<span class=\"_ _0\"></span>ying the ne<span class=\"_ _0\"></span>w standar<span class=\"_ _0\"></span>d on the<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls7 ws4e\">Bank\u2019s <span class=\"_ _13\"></span><span class=\"ls6 ws8\">con<span class=\"_ _1\"></span>solidated <span class=\"_ _13\"></span>fina<span class=\"_ _1\"></span>ncial </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs21\">stat<span class=\"_ _1\"></span>ements<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 wsa\">subsequent to<span class=\"_ _0\"></span> endor<span class=\"_ _0\"></span>seme<span class=\"_ _0\"></span>nt by the EU<span class=\"ls1 ws1\">. </span></span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls6 ws8 gs22\">1.1.1<span class=\"ff9 ls1 ws1\"> <span class=\"_ _9a\"> </span></span><span class=\"ls7 ws4e\">Consolidation<span class=\"_ _bc\"> </span></span><span class=\"ls7 ws4e\"><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs23\">Subsidiari<span class=\"_ _0\"></span>es are a<span class=\"_ _0\"></span>ll entitie<span class=\"_ _0\"></span>s over which the<span class=\"_ _0\"></span> Group has contro<span class=\"_ _0\"></span>l. The G<span class=\"_ _0\"></span>roup control<span class=\"_ _0\"></span>s an entity whe<span class=\"_ _0\"></span>re the Group </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs24\">is expose<span class=\"_ _0\"></span>d to, or has rig<span class=\"_ _0\"></span>hts to, va<span class=\"_ _0\"></span>riable<span class=\"_ _0\"></span> returns f<span class=\"_ _0\"></span>rom it<span class=\"_ _0\"></span>s involvem<span class=\"_ _0\"></span>ent with the<span class=\"_ _0\"></span> entity a<span class=\"_ _0\"></span>nd has the abil<span class=\"_ _0\"></span>ity to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws117 gs25\">affe<span class=\"_ _0\"></span>ct those re<span class=\"_ _0\"></span>turns throug<span class=\"_ _0\"></span>h its powe<span class=\"_ _0\"></span><span class=\"ls6 ws5f\">r to direct the <span class=\"_ _1\"></span>activities o<span class=\"_ _1\"></span>f the entity. Sub<span class=\"_ _1\"></span>sidiaries a<span class=\"_ _1\"></span>re fully </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs26\">consolidate<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> the date<span class=\"_ _0\"></span> on<span class=\"_ _0\"></span> whic<span class=\"_ _0\"></span>h control i<span class=\"_ _11\"></span>s transferre<span class=\"_ _0\"></span>d to the G<span class=\"_ _0\"></span>roup. T<span class=\"_ _0\"></span>hey ar<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>onsoli<span class=\"_ _0\"></span>dated fr<span class=\"_ _0\"></span>om the<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs27\">date that control cease<span class=\"_ _0\"></span>s.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws117 gs28\">The Group use<span class=\"_ _0\"></span>s the acqui<span class=\"_ _0\"></span>siti<span class=\"_ _0\"></span>on metho<span class=\"_ _0\"></span>d of acc<span class=\"_ _0\"></span>ounting to account<span class=\"_ _0\"></span> for busine<span class=\"_ _0\"></span>ss com<span class=\"_ _0\"></span>binations. T<span class=\"_ _0\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs29\">cons<span class=\"_ _1\"></span>iderat<span class=\"_ _1\"></span>ion tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span> for the a<span class=\"_ _1\"></span>cqui<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n of a subsid<span class=\"_ _1\"></span>iary is<span class=\"_ _1\"></span> the fair v<span class=\"_ _1\"></span>alues of t<span class=\"_ _1\"></span>he asset<span class=\"_ _1\"></span>s trans<span class=\"_ _1\"></span>ferred, t<span class=\"_ _1\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs2a\">liabilities in<span class=\"_ _1\"></span>curred and<span class=\"_ _1\"></span> the equity interest<span class=\"_ _1\"></span>s issu<span class=\"ls8 ws15\">ed by the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion tra<span class=\"_ _0\"></span>nsfe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncludes t<span class=\"_ _0\"></span>he </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws37 gs2b\">fair value of an<span class=\"_ _1\"></span>y asset o<span class=\"_ _1\"></span>r liability resultin<span class=\"_ _1\"></span>g from a contingen<span class=\"_ _1\"></span>t considera<span class=\"_ _1\"></span>tion arrangem<span class=\"_ _1\"></span>ent. Acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs2c\">relate<span class=\"_ _0\"></span>d costs are<span class=\"_ _0\"></span> expensed as i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d. Identi<span class=\"_ _0\"></span>fiable asse<span class=\"_ _0\"></span>ts acquire<span class=\"_ _0\"></span>d and liabil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s and con<span class=\"ls6 ws7\">tingent liabilit<span class=\"_ _1\"></span>ies </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs2d\">assumed in a busi<span class=\"_ _0\"></span>ness combi<span class=\"_ _0\"></span>nation are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d initial<span class=\"_ _0\"></span>ly at their f<span class=\"_ _0\"></span>air values at the<span class=\"_ _0\"></span> acquisition dat<span class=\"_ _0\"></span>e. On an </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs2e\">acquisi<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">by</span>-<span class=\"ls8 ws53\">acquisiti<span class=\"_ _0\"></span>on basi<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>ognises a<span class=\"_ _0\"></span>ny no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">controlling in<span class=\"_ _1\"></span>terest in the acqu<span class=\"_ _1\"></span>iree either at </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs2f\">fair value or at <span class=\"ls8 wsa\">the<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-</span>contr<span class=\"_ _0\"></span>olling<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st\u2019s proporti<span class=\"_ _0\"></span>onate<span class=\"_ _0\"></span> share of<span class=\"_ _0\"></span> the acqui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s net as<span class=\"_ _0\"></span>sets.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs30\">The exc<span class=\"_ _0\"></span>ess of the<span class=\"_ _0\"></span> consider<span class=\"_ _0\"></span>ation transfe<span class=\"_ _0\"></span>rred, t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of any non<span class=\"ls1 ws1\">-<span class=\"ls6 ws12\">controlling in<span class=\"_ _1\"></span>terest in the acq<span class=\"_ _1\"></span>uiree and<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs31\">the acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"ls8 ws33\">date fair va<span class=\"_ _0\"></span>lue of a<span class=\"_ _0\"></span>ny previous e<span class=\"_ _0\"></span>quity inte<span class=\"_ _0\"></span>rest in the<span class=\"_ _0\"></span> acquir<span class=\"_ _0\"></span>ee over the f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> of the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs32\">identifiable n<span class=\"_ _1\"></span>et assets a<span class=\"_ _1\"></span>cquired i<span class=\"_ _1\"></span>s recor<span class=\"ls5 ws1a\">ded a<span class=\"_ _1\"></span>s goo<span class=\"_ _1\"></span>dwill<span class=\"_ _1\"></span>. If t<span class=\"_ _1\"></span>his ag<span class=\"_ _1\"></span>gregate is<span class=\"_ _1\"></span> les<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>n the fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue of th<span class=\"_ _1\"></span>e </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws7a gs33\">identif<span class=\"_ _0\"></span>iable<span class=\"_ _0\"></span> net assets<span class=\"_ _0\"></span> of the<span class=\"_ _11\"></span> subsidiary acqui<span class=\"_ _0\"></span>red in<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> case o<span class=\"_ _0\"></span>f a ba<span class=\"_ _0\"></span>rgain<span class=\"_ _0\"></span> purchase,<span class=\"_ _11\"></span> the diffe<span class=\"_ _0\"></span>rence i<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs34\">recognised d<span class=\"_ _1\"></span>irectly in the pr<span class=\"_ _1\"></span>ofit or los<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs35\">Inter<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">company transactions,<span class=\"_ _0\"></span> balanc<span class=\"_ _0\"></span>es and unrea<span class=\"_ _0\"></span>lised g<span class=\"_ _0\"></span>ains on tr<span class=\"_ _0\"></span>ansactions <span class=\"_ _0\"></span>betw<span class=\"_ _0\"></span>een gr<span class=\"_ _0\"></span>oup companie<span class=\"_ _0\"></span>s are </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws118 gs36\">elimina<span class=\"_ _1\"></span>ted.<span class=\"_ _1\"></span> Unreali<span class=\"_ _1\"></span>sed lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> are als<span class=\"_ _1\"></span>o elimina<span class=\"_ _1\"></span>ted <span class=\"ls8 ws119\">unless the tr<span class=\"_ _0\"></span>ansact<span class=\"_ _0\"></span>ion pro<span class=\"_ _0\"></span>vides e<span class=\"_ _0\"></span>videnc<span class=\"_ _0\"></span>e of an </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs37\">impair<span class=\"_ _1\"></span>ment o<span class=\"_ _1\"></span>f the as<span class=\"_ _1\"></span>set tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span><span class=\"ls1 ws1\">. <span class=\"_ _14\"></span><span class=\"ls6 ws34\">The accou<span class=\"_ _1\"></span>nting po<span class=\"_ _1\"></span>licies of the sub<span class=\"_ _1\"></span>sidiaries a<span class=\"_ _1\"></span>re consistent with<span class=\"_ _1\"></span> the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs38\">policie<span class=\"_ _0\"></span>s adopted by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"lsa ws24\">. <span class=\"_ _1\"></span></span>In the Ba<span class=\"_ _0\"></span>nk\u2019s st<span class=\"_ _0\"></span>andalone f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents, inve<span class=\"_ _0\"></span>stment<span class=\"_ _0\"></span>s in sub<span class=\"_ _0\"></span>sidiarie<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws29 gs39\">are accounted f<span class=\"_ _0\"></span>or by the cost method of accounting, i.e. at cost less im<span class=\"_ _0\"></span>pairment.  Provisions are re<span class=\"_ _0\"></span>co<span class=\"ls5 ws7\">rded<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2f gs3a\">where, in<span class=\"_ _1\"></span> the op<span class=\"_ _1\"></span>inio<span class=\"_ _1\"></span>n of the Dir<span class=\"_ _1\"></span>ectors<span class=\"_ _1\"></span>, there i<span class=\"_ _1\"></span>s an impa<span class=\"_ _1\"></span>irment in<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e. Where t<span class=\"_ _1\"></span>here ha<span class=\"_ _1\"></span>s been<span class=\"_ _1\"></span> an </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs3b\">impair<span class=\"_ _0\"></span>ment in the<span class=\"_ _0\"></span> value of<span class=\"_ _0\"></span> an investment<span class=\"_ _0\"></span>, it is re<span class=\"_ _0\"></span>cognised as an e<span class=\"_ _0\"></span>xpense i<span class=\"_ _0\"></span>n the pe<span class=\"_ _0\"></span>riod in which t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs3c\">diminutio<span class=\"_ _1\"></span>n is identified.<span class=\"_ _1\"></span> Impai<span class=\"_ _1\"></span>rment losses<span class=\"_ _1\"></span> recognis<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"lsa ws96\">in<span class=\"_ _1\"></span> prior periods are rev<span class=\"_ _1\"></span>ersed through profit or loss </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs3d\">if there<span class=\"_ _1\"></span> has<span class=\"_ _1\"></span> been a c<span class=\"_ _1\"></span>hange <span class=\"_ _1\"></span>in th<span class=\"_ _1\"></span>e estima<span class=\"_ _1\"></span>tes us<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine t<span class=\"_ _1\"></span>he inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>\u2019s reco<span class=\"_ _1\"></span>vera<span class=\"_ _1\"></span>ble amo<span class=\"_ _1\"></span>unt s<span class=\"_ _1\"></span>inc<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs3e\">the la<span class=\"_ _1\"></span>st impa<span class=\"_ _1\"></span>irment l<span class=\"_ _1\"></span>oss wa<span class=\"_ _1\"></span>s r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed. Th<span class=\"_ _1\"></span>e resu<span class=\"_ _1\"></span>lts of s<span class=\"_ _1\"></span>ubsid<span class=\"_ _1\"></span>iaries<span class=\"_ _1\"></span> are re<span class=\"_ _1\"></span>flected<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e Ban<span class=\"_ _1\"></span>k\u2019s s<span class=\"_ _1\"></span><span class=\"ls8 ws16\">tandal<span class=\"_ _0\"></span>one </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs3f\">finan<span class=\"_ _1\"></span>cial s<span class=\"_ _1\"></span>tatement<span class=\"_ _1\"></span>s onl<span class=\"_ _1\"></span>y to the exten<span class=\"_ _1\"></span>t of di<span class=\"_ _1\"></span>viden<span class=\"_ _1\"></span>ds recei<span class=\"_ _1\"></span>vable.<span class=\"_ _1\"></span> On dis<span class=\"_ _1\"></span>posa<span class=\"_ _1\"></span>l of an inv<span class=\"_ _1\"></span>estmen<span class=\"_ _1\"></span>t, the d<span class=\"_ _1\"></span>ifference<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs40\">betwee<span class=\"_ _0\"></span>n the net di<span class=\"_ _0\"></span>sposal pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds and the car<span class=\"_ _0\"></span>rying am<span class=\"_ _0\"></span>ount is charg<span class=\"_ _0\"></span>ed or c<span class=\"_ _0\"></span>redite<span class=\"_ _0\"></span>d to prof<span class=\"_ _0\"></span>it or loss<span class=\"ls1 ws1\">.<span class=\"_ _bc\"> </span></span><span class=\"ls1 ws1\"><span class=\"_ _0\"></span> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-550": {
   "value": "1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span><span class=\"ls1 ws1\"><span class=\"fs2 fc3\"> </span></span>The m<span class=\"_ _0\"></span>aterial ac<span class=\"_ _0\"></span>counting<span class=\"_ _0\"></span> policie<span class=\"_ _0\"></span>s adopted i<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span> preparati<span class=\"_ _0\"></span>on of<span class=\"_ _0\"></span> these f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> set out be<span class=\"_ _0\"></span>low. Unless othe<span class=\"_ _0\"></span>rwi<span class=\"_ _0\"></span>se stated,<span class=\"_ _0\"></span> these pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s have been consi<span class=\"_ _0\"></span>stently appl<span class=\"_ _0\"></span>ied to al<span class=\"_ _0\"></span>l the ye<span class=\"_ _0\"></span>ars prese<span class=\"_ _0\"></span>nted and re<span class=\"_ _0\"></span>late to both the G<span class=\"_ _0\"></span>roup an<span class=\"_ _0\"></span>d the Bank.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>1.1<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span><span class=\"ls7\">Basis of preparation</span></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>onsolidate<span class=\"_ _0\"></span>d financi<span class=\"_ _0\"></span>al statem<span class=\"_ _0\"></span>ents inc<span class=\"_ _0\"></span>lude the<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> statements of<span class=\"_ _0\"></span> Lombar<span class=\"_ _0\"></span>d Bank Mal<span class=\"_ _0\"></span>ta p.l.c.<span class=\"_ _0\"></span> (the Bank) and it<span class=\"_ _0\"></span>s subsi<span class=\"_ _0\"></span>diary un<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>takings (t<span class=\"_ _0\"></span>ogethe<span class=\"_ _0\"></span>r refe<span class=\"_ _0\"></span>rred to as \u2018t<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup\u2019 and in<span class=\"_ _0\"></span>dividual<span class=\"_ _0\"></span>ly as \u2018G<span class=\"_ _0\"></span>roup entit<span class=\"_ _1\"></span>ies\u2019). Th<span class=\"_ _1\"></span>e Ban<span class=\"_ _1\"></span>k\u2019s fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al s<span class=\"_ _1\"></span>tatemen<span class=\"_ _1\"></span>ts ha<span class=\"_ _1\"></span>ve <span class=\"ls8 ws4f\">been prepared in ac<span class=\"_ _0\"></span>cordanc<span class=\"_ _0\"></span>e with the<span class=\"_ _0\"></span> requireme<span class=\"_ _0\"></span>nts of </span>Internati<span class=\"_ _0\"></span>onal Fina<span class=\"_ _0\"></span>ncial R<span class=\"_ _0\"></span>eporting St<span class=\"_ _0\"></span>andards (\u2018IF<span class=\"_ _0\"></span>RSs\u2019) as ado<span class=\"_ _0\"></span>pted by the EU<span class=\"_ _0\"></span> and with the re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents of the Banking Act 1994 (Ch<span class=\"_ _1\"></span>apter 37<span class=\"_ _1\"></span>1 of the Laws of Ma<span class=\"_ _1\"></span>lta) and the Compan<span class=\"_ _1\"></span>ies Act, 1995 (Cha<span class=\"_ _1\"></span>pter 386 of<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls5 ws2b\">the Laws<span class=\"_ _1\"></span> </span></span>of Malta<span class=\"_ _0\"></span>). These<span class=\"_ _0\"></span> consolidated f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> prepared unde<span class=\"_ _0\"></span>r the hi<span class=\"_ _0\"></span>storical<span class=\"_ _0\"></span> cost convention,<span class=\"_ _0\"></span> as<span class=\"_ _0\"></span> modified by th<span class=\"_ _1\"></span>e fair valu<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of certain fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets and fin<span class=\"_ _1\"></span>ancial liabi<span class=\"_ _1\"></span>lities an<span class=\"_ _1\"></span>d the rev<span class=\"_ _1\"></span>aluation o<span class=\"_ _1\"></span>f the land an<span class=\"_ _1\"></span>d buildings cl<span class=\"_ _1\"></span>ass with<span class=\"ls8 wsa\">in property, pl<span class=\"_ _0\"></span>ant and e<span class=\"_ _0\"></span>quipm<span class=\"_ _0\"></span>ent.<span class=\"ls1 ws1\"> </span></span>The pre<span class=\"_ _0\"></span>paratio<span class=\"_ _0\"></span>n of fina<span class=\"_ _0\"></span>ncial stat<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts in confo<span class=\"_ _0\"></span>rmity w<span class=\"_ _0\"></span>ith IFR<span class=\"_ _0\"></span>Ss as adopte<span class=\"_ _0\"></span>d by t<span class=\"_ _0\"></span>he EU re<span class=\"_ _0\"></span>quires t<span class=\"_ _0\"></span>he use o<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span> certain accou<span class=\"_ _1\"></span>nting estimat<span class=\"_ _1\"></span>es. It als<span class=\"_ _1\"></span>o requires the Director<span class=\"_ _1\"></span>s to exercise th<span class=\"_ _1\"></span>eir judgment in t<span class=\"_ _1\"></span>he process o<span class=\"_ _1\"></span>f applyin<span class=\"_ _1\"></span>g the Group\u2019s<span class=\"_ _1\"></span> accountin<span class=\"_ _1\"></span>g policies (se<span class=\"_ _1\"></span><span class=\"ls5 ws1e\">e note 3<span class=\"_ _1\"></span>.1 <span class=\"ls1 ws1\">\u2013 <span class=\"_ _10\"> </span></span></span>Critical accou<span class=\"_ _1\"></span>nting esti<span class=\"_ _1\"></span>mates a<span class=\"_ _1\"></span>nd jud<span class=\"_ _1\"></span>gments in applying the<span class=\"_ _0\"></span> Group\u2019s ac<span class=\"_ _0\"></span>counti<span class=\"_ _0\"></span>ng polic<span class=\"_ _0\"></span>ies)<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span> <span class=\"_ _24\"> </span><span class=\"lsb ws24\">Standards, interpr<span class=\"_ _0\"></span>etations an<span class=\"_ _0\"></span>d amendments<span class=\"_ _0\"></span> to published s<span class=\"_ _0\"></span>tandar<span class=\"_ _0\"></span>ds effecti<span class=\"_ _0\"></span>ve in 202<span class=\"ls1 ws1\">5 </span></span>In 202<span class=\"ls1 ws1\">5<span class=\"ls8 wsa\">, the Group ado<span class=\"_ _0\"></span>pted ame<span class=\"_ _0\"></span>ndments and inte<span class=\"_ _0\"></span>rpre<span class=\"_ _0\"></span>tations to e<span class=\"_ _0\"></span>xisting sta<span class=\"_ _0\"></span>ndards tha<span class=\"_ _0\"></span>t a<span class=\"_ _0\"></span>re manda<span class=\"_ _0\"></span>tory for </span></span>the Gr<span class=\"_ _0\"></span>oup\u2019s accounti<span class=\"_ _0\"></span>ng period be<span class=\"_ _0\"></span>ginning on 1<span class=\"_ _0\"></span> January 202<span class=\"_ _0\"></span><span class=\"ls1 ws1\">5<span class=\"ls8 ws40\">. The adopti<span class=\"_ _0\"></span>on of the<span class=\"_ _0\"></span>se revisions to t<span class=\"_ _0\"></span>he </span></span>require<span class=\"_ _0\"></span>ments of I<span class=\"_ _0\"></span>FRSs as ado<span class=\"_ _0\"></span>pted by t<span class=\"_ _0\"></span>he EU<span class=\"_ _0\"></span> did not r<span class=\"_ _0\"></span>esult<span class=\"_ _0\"></span> in chang<span class=\"_ _0\"></span>es to t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up\u2019s acc<span class=\"_ _0\"></span>ounting poli<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>s impacting mater<span class=\"_ _1\"></span>ially the Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> financial performan<span class=\"_ _1\"></span>ce and pos<span class=\"_ _1\"></span>ition. <span class=\"_ _24\"> </span><span class=\"ff5 lsb ws24\">Standards, interpr<span class=\"_ _0\"></span>etations an<span class=\"_ _0\"></span>d amendments<span class=\"_ _0\"></span> to published s<span class=\"_ _0\"></span>tandar<span class=\"_ _0\"></span>ds that are not y<span class=\"_ _0\"></span>et effec<span class=\"_ _0\"></span>tive<span class=\"ls1 ws1\"> </span></span>Certa<span class=\"_ _0\"></span>in new standards, am<span class=\"_ _0\"></span>endm<span class=\"_ _0\"></span>ents and inte<span class=\"_ _0\"></span>rpreta<span class=\"_ _0\"></span>tions to ex<span class=\"_ _0\"></span>isting standar<span class=\"_ _0\"></span>ds have bee<span class=\"_ _0\"></span>n publish<span class=\"ls1 ws1\">e</span><span class=\"ws16\">d <span class=\"_ _13\"></span>and </span>endorsed <span class=\"ls1 ws1\">b</span><span class=\"ws2d\">y the EU <span class=\"ls5 ws2a\">b<span class=\"_ _0\"></span>y the d<span class=\"_ _1\"></span>ate of au<span class=\"_ _1\"></span>thori<span class=\"_ _1\"></span>satio<span class=\"_ _1\"></span>n of th<span class=\"_ _1\"></span>ese fina<span class=\"_ _1\"></span>ncial s<span class=\"_ _1\"></span>tatemen<span class=\"_ _1\"></span>ts b<span class=\"_ _1\"></span>ut are n<span class=\"_ _1\"></span>ot yet effe<span class=\"_ _1\"></span>ctive fo<span class=\"_ _1\"></span>r </span></span>the Gr<span class=\"_ _0\"></span>oup\u2019s curre<span class=\"_ _0\"></span>nt report<span class=\"_ _0\"></span>ing per<span class=\"_ _0\"></span>iod. <span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup did not e<span class=\"_ _0\"></span>arly adop<span class=\"_ _0\"></span>t any new<span class=\"_ _0\"></span> standards<span class=\"_ _0\"></span>, ame<span class=\"_ _0\"></span>ndment<span class=\"_ _0\"></span>s and interpr<span class=\"_ _0\"></span>etatio<span class=\"_ _0\"></span>ns to <span class=\"_ _0\"></span>existi<span class=\"_ _0\"></span>ng standard<span class=\"_ _0\"></span>s applicab<span class=\"_ _1\"></span>le to periods<span class=\"_ _1\"></span> after 1 Jan<span class=\"_ _1\"></span>uary 202<span class=\"ls1 ws1\">6 <span class=\"ls8 ws15\">and the <span class=\"ls5 ws7\">Group<span class=\"ws16\">\u2019s<span class=\"_ _1\"></span> mana<span class=\"_ _1\"></span>gement i<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e opin<span class=\"_ _1\"></span>ion<span class=\"_ _1\"></span> that<span class=\"_ _1\"></span> there ar<span class=\"_ _1\"></span>e no </span></span></span></span>require<span class=\"_ _0\"></span>ments that w<span class=\"_ _0\"></span>ill have<span class=\"_ _0\"></span> a possible signi<span class=\"_ _0\"></span>ficant<span class=\"_ _0\"></span> impact<span class=\"_ _0\"></span> on the Group\u2019s <span class=\"ls6 ws10\">financial resu<span class=\"_ _1\"></span>lts and fin<span class=\"_ _1\"></span>ancial </span>positio<span class=\"_ _1\"></span>n<span class=\"ls1 ws1\"> </span><span class=\"ws7\">in the perio<span class=\"_ _1\"></span>d of initial appl<span class=\"_ _1\"></span>ication.<span class=\"ls1 ws1\"> </span></span>Amendments to IFR<span class=\"_ _0\"></span>S 9 and IF<span class=\"_ _0\"></span>RS 7 <span class=\"ls1 ws1\">- </span>class<span class=\"_ _0\"></span>ification and meas<span class=\"_ _0\"></span>urement of f<span class=\"_ _0\"></span>inancial inst<span class=\"_ _0\"></span>ruments<span class=\"ls1 ws1\"> </span>In May 2024, the IASB is<span class=\"_ _1\"></span>sued amendments t<span class=\"_ _1\"></span>o IFRS 9 \u201cFinancial Ins<span class=\"_ _1\"></span>truments\u201d<span class=\"_ _1\"></span> and IFRS 7 \u201cFinancial Instrume<span class=\"_ _0\"></span>nts: Disc<span class=\"_ _0\"></span>losures\u201d, w<span class=\"_ _0\"></span>hich are<span class=\"_ _0\"></span> effec<span class=\"_ _0\"></span>tive fo<span class=\"_ _0\"></span>r annual report<span class=\"_ _0\"></span>ing peri<span class=\"_ _0\"></span>ods beginni<span class=\"_ _0\"></span>ng on or af<span class=\"_ _0\"></span>ter 1<span class=\"_ _0\"></span> January 2026. The a<span class=\"_ _1\"></span>mendments<span class=\"_ _1\"></span> clarify when <span class=\"_ _1\"></span>certain <span class=\"_ _1\"></span>financial lia<span class=\"_ _1\"></span>bilities ca<span class=\"_ _1\"></span>n be con<span class=\"_ _1\"></span>sidered extin<span class=\"_ _1\"></span>guished wh<span class=\"_ _1\"></span>en settle<span class=\"_ _0\"></span>ment is made<span class=\"_ _0\"></span> via an e<span class=\"_ _0\"></span>lectronic<span class=\"_ _0\"></span> payment<span class=\"_ _0\"></span> system, and they al<span class=\"_ _0\"></span>so provide a<span class=\"_ _0\"></span>dditiona<span class=\"_ _0\"></span>l guidanc<span class=\"_ _0\"></span>e on the<span class=\"_ _0\"></span> classificat<span class=\"_ _1\"></span>ion of financia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets with contr<span class=\"_ _1\"></span>actual terms th<span class=\"_ _1\"></span>at modi<span class=\"_ _1\"></span>fy the timing o<span class=\"_ _1\"></span>r amou<span class=\"_ _1\"></span>nt of cash<span class=\"_ _1\"></span> flows, includin<span class=\"_ _1\"></span>g those link<span class=\"_ _1\"></span>ed to ESG<span class=\"ls1 ws1\">-</span>related cont<span class=\"_ _1\"></span>ingencies,<span class=\"_ _1\"></span> as well as finan<span class=\"_ _1\"></span>cial assets with s<span class=\"_ _1\"></span>pecified non<span class=\"ff12 ls1 ws1\">\u2011</span><span class=\"ls5 ws7\">r<span class=\"_ _1\"></span>ecours<span class=\"_ _1\"></span>e </span>featur<span class=\"_ _1\"></span>es. The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> is cur<span class=\"_ _1\"></span>rently<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>essing t<span class=\"_ _1\"></span>he pot<span class=\"_ _1\"></span>ential i<span class=\"_ _1\"></span>mpact o<span class=\"_ _1\"></span>f these a<span class=\"_ _1\"></span>mendm<span class=\"_ _1\"></span>ents.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>IFRS 18 \u2018Pr<span class=\"_ _0\"></span>esentation and D<span class=\"_ _0\"></span>isclosur<span class=\"_ _0\"></span>e in Financial<span class=\"_ _0\"></span> Statements\u2019<span class=\"ls1 ws1\"> </span>In April 202<span class=\"ls1 ws1\">4</span>, th<span class=\"_ _1\"></span>e IASB issued IFRS 18 \u2018Presen<span class=\"_ _1\"></span>tation an<span class=\"_ _1\"></span>d Disclosure in Fin<span class=\"_ _1\"></span>ancial Stat<span class=\"_ _1\"></span>ements\u2019, effective for annual repor<span class=\"_ _0\"></span>ting pe<span class=\"_ _0\"></span>riods be<span class=\"_ _0\"></span>ginning<span class=\"_ _0\"></span> on or aft<span class=\"_ _0\"></span>er 1 Ja<span class=\"_ _0\"></span>nuary 20<span class=\"_ _0\"></span>27<span class=\"lsa ws24\">. </span>IF<span class=\"_ _0\"></span>RS 18<span class=\"_ _0\"></span> has been e<span class=\"_ _0\"></span>ndorsed by t<span class=\"_ _0\"></span>he EU<span class=\"_ _0\"></span> on 13 February 2026. <span class=\"_ _1\"></span><span class=\"ls18 ws74\">The<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls8 ws16\">new</span>  <span class=\"ls7 ws8e\">stan<span class=\"_ _1\"></span>dard aims to give user<span class=\"_ _0\"></span>s of financial state<span class=\"_ _0\"></span>ments more transparent and </span></span></span>comparable inf<span class=\"_ _0\"></span>ormation about an entity\u2019s financi<span class=\"_ _0\"></span>al perform<span class=\"_ _0\"></span>ance. It will re<span class=\"_ _0\"></span>place IAS 1 \u2018Presentation of<span class=\"_ _0\"></span> Financia<span class=\"_ _0\"></span>l State<span class=\"_ _0\"></span>ments\u2019 but car<span class=\"_ _0\"></span>ries ove<span class=\"_ _0\"></span>r many re<span class=\"_ _0\"></span>quireme<span class=\"_ _0\"></span>nts from<span class=\"_ _0\"></span> that <span class=\"ls7 ws4e\">standard</span>. In additi<span class=\"_ _0\"></span>on, the<span class=\"_ _0\"></span>re ar<span class=\"_ _0\"></span>e new requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s relat<span class=\"_ _1\"></span>ing to<span class=\"_ _1\"></span> the st<span class=\"_ _1\"></span>ructu<span class=\"_ _1\"></span>re of the i<span class=\"_ _1\"></span>ncom<span class=\"_ _1\"></span>e sta<span class=\"_ _1\"></span>tement,<span class=\"_ _1\"></span> manag<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>defi<span class=\"_ _1\"></span>ned p<span class=\"_ _1\"></span>erforman<span class=\"_ _1\"></span>ce measures an<span class=\"_ _1\"></span>d the aggregation an<span class=\"_ _1\"></span>d disaggregation of financial in<span class=\"_ _1\"></span>formation. Wh<span class=\"_ _1\"></span>ile IFRS 18 will not chan<span class=\"_ _1\"></span>ge recognition cr<span class=\"_ _1\"></span>iteria or meas<span class=\"ls5 ws63\">u<span class=\"_ _1\"></span>remen<span class=\"_ _1\"></span>t bas<span class=\"_ _1\"></span>es, it may<span class=\"_ _1\"></span> have a<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span></span><span class=\"ws8\">significan<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 ws17\">impac<span class=\"_ _0\"></span>t on prese<span class=\"_ _0\"></span>nting<span class=\"_ _0\"></span> inform<span class=\"_ _0\"></span>ation in<span class=\"_ _0\"></span> </span></span></span>the fi<span class=\"_ _0\"></span>nancial stat<span class=\"_ _0\"></span>ements, in pa<span class=\"_ _0\"></span>rticula<span class=\"_ _0\"></span>r the inc<span class=\"_ _0\"></span>ome state<span class=\"_ _0\"></span>ment and the cash f<span class=\"_ _0\"></span>low state<span class=\"_ _0\"></span>ment. The<span class=\"_ _0\"></span> Group <span class=\"ls6 ws8\">will </span>be <span class=\"_ _13\"></span><span class=\"ls8 wsb\">assessing the deta<span class=\"_ _0\"></span>iled im<span class=\"_ _0\"></span>plica<span class=\"_ _0\"></span>tions of appl<span class=\"_ _0\"></span>ying the ne<span class=\"_ _0\"></span>w standar<span class=\"_ _0\"></span>d on the<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls7 ws4e\">Bank\u2019s <span class=\"_ _13\"></span><span class=\"ls6 ws8\">con<span class=\"_ _1\"></span>solidated <span class=\"_ _13\"></span>fina<span class=\"_ _1\"></span>ncial </span></span></span></span>stat<span class=\"_ _1\"></span>ements<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 wsa\">subsequent to<span class=\"_ _0\"></span> endor<span class=\"_ _0\"></span>seme<span class=\"_ _0\"></span>nt by the EU<span class=\"ls1 ws1\">. </span></span></span>1.1.1<span class=\"ff9 ls1 ws1\"> <span class=\"_ _9a\"> </span></span><span class=\"ls7 ws4e\">Consolidation<span class=\"_ _bc\"> </span></span><span class=\"ls7 ws4e\"><span class=\"ls1 ws1\"> </span></span>Subsidiari<span class=\"_ _0\"></span>es are a<span class=\"_ _0\"></span>ll entitie<span class=\"_ _0\"></span>s over which the<span class=\"_ _0\"></span> Group has contro<span class=\"_ _0\"></span>l. The G<span class=\"_ _0\"></span>roup control<span class=\"_ _0\"></span>s an entity whe<span class=\"_ _0\"></span>re the Group is expose<span class=\"_ _0\"></span>d to, or has rig<span class=\"_ _0\"></span>hts to, va<span class=\"_ _0\"></span>riable<span class=\"_ _0\"></span> returns f<span class=\"_ _0\"></span>rom it<span class=\"_ _0\"></span>s involvem<span class=\"_ _0\"></span>ent with the<span class=\"_ _0\"></span> entity a<span class=\"_ _0\"></span>nd has the abil<span class=\"_ _0\"></span>ity to affe<span class=\"_ _0\"></span>ct those re<span class=\"_ _0\"></span>turns throug<span class=\"_ _0\"></span>h its powe<span class=\"_ _0\"></span><span class=\"ls6 ws5f\">r to direct the <span class=\"_ _1\"></span>activities o<span class=\"_ _1\"></span>f the entity. Sub<span class=\"_ _1\"></span>sidiaries a<span class=\"_ _1\"></span>re fully </span>consolidate<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> the date<span class=\"_ _0\"></span> on<span class=\"_ _0\"></span> whic<span class=\"_ _0\"></span>h control i<span class=\"_ _11\"></span>s transferre<span class=\"_ _0\"></span>d to the G<span class=\"_ _0\"></span>roup. T<span class=\"_ _0\"></span>hey ar<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>onsoli<span class=\"_ _0\"></span>dated fr<span class=\"_ _0\"></span>om the<span class=\"_ _0\"></span> date that control cease<span class=\"_ _0\"></span>s.<span class=\"ls1\"> </span>The Group use<span class=\"_ _0\"></span>s the acqui<span class=\"_ _0\"></span>siti<span class=\"_ _0\"></span>on metho<span class=\"_ _0\"></span>d of acc<span class=\"_ _0\"></span>ounting to account<span class=\"_ _0\"></span> for busine<span class=\"_ _0\"></span>ss com<span class=\"_ _0\"></span>binations. T<span class=\"_ _0\"></span>he cons<span class=\"_ _1\"></span>iderat<span class=\"_ _1\"></span>ion tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span> for the a<span class=\"_ _1\"></span>cqui<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n of a subsid<span class=\"_ _1\"></span>iary is<span class=\"_ _1\"></span> the fair v<span class=\"_ _1\"></span>alues of t<span class=\"_ _1\"></span>he asset<span class=\"_ _1\"></span>s trans<span class=\"_ _1\"></span>ferred, t<span class=\"_ _1\"></span>he liabilities in<span class=\"_ _1\"></span>curred and<span class=\"_ _1\"></span> the equity interest<span class=\"_ _1\"></span>s issu<span class=\"ls8 ws15\">ed by the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion tra<span class=\"_ _0\"></span>nsfe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncludes t<span class=\"_ _0\"></span>he </span>fair value of an<span class=\"_ _1\"></span>y asset o<span class=\"_ _1\"></span>r liability resultin<span class=\"_ _1\"></span>g from a contingen<span class=\"_ _1\"></span>t considera<span class=\"_ _1\"></span>tion arrangem<span class=\"_ _1\"></span>ent. Acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>relate<span class=\"_ _0\"></span>d costs are<span class=\"_ _0\"></span> expensed as i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d. Identi<span class=\"_ _0\"></span>fiable asse<span class=\"_ _0\"></span>ts acquire<span class=\"_ _0\"></span>d and liabil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s and con<span class=\"ls6 ws7\">tingent liabilit<span class=\"_ _1\"></span>ies </span>assumed in a busi<span class=\"_ _0\"></span>ness combi<span class=\"_ _0\"></span>nation are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d initial<span class=\"_ _0\"></span>ly at their f<span class=\"_ _0\"></span>air values at the<span class=\"_ _0\"></span> acquisition dat<span class=\"_ _0\"></span>e. On an acquisi<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">by</span>-<span class=\"ls8 ws53\">acquisiti<span class=\"_ _0\"></span>on basi<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>ognises a<span class=\"_ _0\"></span>ny no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">controlling in<span class=\"_ _1\"></span>terest in the acqu<span class=\"_ _1\"></span>iree either at </span></span></span></span>fair value or at <span class=\"ls8 wsa\">the<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-</span>contr<span class=\"_ _0\"></span>olling<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st\u2019s proporti<span class=\"_ _0\"></span>onate<span class=\"_ _0\"></span> share of<span class=\"_ _0\"></span> the acqui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s net as<span class=\"_ _0\"></span>sets.<span class=\"ls1 ws1\"> </span></span>The exc<span class=\"_ _0\"></span>ess of the<span class=\"_ _0\"></span> consider<span class=\"_ _0\"></span>ation transfe<span class=\"_ _0\"></span>rred, t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of any non<span class=\"ls1 ws1\">-<span class=\"ls6 ws12\">controlling in<span class=\"_ _1\"></span>terest in the acq<span class=\"_ _1\"></span>uiree and<span class=\"_ _1\"></span> </span></span>the acquis<span class=\"_ _1\"></span>ition<span class=\"ls1 ws1\">-<span class=\"ls8 ws33\">date fair va<span class=\"_ _0\"></span>lue of a<span class=\"_ _0\"></span>ny previous e<span class=\"_ _0\"></span>quity inte<span class=\"_ _0\"></span>rest in the<span class=\"_ _0\"></span> acquir<span class=\"_ _0\"></span>ee over the f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> of the </span></span>identifiable n<span class=\"_ _1\"></span>et assets a<span class=\"_ _1\"></span>cquired i<span class=\"_ _1\"></span>s recor<span class=\"ls5 ws1a\">ded a<span class=\"_ _1\"></span>s goo<span class=\"_ _1\"></span>dwill<span class=\"_ _1\"></span>. If t<span class=\"_ _1\"></span>his ag<span class=\"_ _1\"></span>gregate is<span class=\"_ _1\"></span> les<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>n the fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue of th<span class=\"_ _1\"></span>e </span>identif<span class=\"_ _0\"></span>iable<span class=\"_ _0\"></span> net assets<span class=\"_ _0\"></span> of the<span class=\"_ _11\"></span> subsidiary acqui<span class=\"_ _0\"></span>red in<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> case o<span class=\"_ _0\"></span>f a ba<span class=\"_ _0\"></span>rgain<span class=\"_ _0\"></span> purchase,<span class=\"_ _11\"></span> the diffe<span class=\"_ _0\"></span>rence i<span class=\"_ _0\"></span>s recognised d<span class=\"_ _1\"></span>irectly in the pr<span class=\"_ _1\"></span>ofit or los<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>Inter<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">company transactions,<span class=\"_ _0\"></span> balanc<span class=\"_ _0\"></span>es and unrea<span class=\"_ _0\"></span>lised g<span class=\"_ _0\"></span>ains on tr<span class=\"_ _0\"></span>ansactions <span class=\"_ _0\"></span>betw<span class=\"_ _0\"></span>een gr<span class=\"_ _0\"></span>oup companie<span class=\"_ _0\"></span>s are </span></span>elimina<span class=\"_ _1\"></span>ted.<span class=\"_ _1\"></span> Unreali<span class=\"_ _1\"></span>sed lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> are als<span class=\"_ _1\"></span>o elimina<span class=\"_ _1\"></span>ted <span class=\"ls8 ws119\">unless the tr<span class=\"_ _0\"></span>ansact<span class=\"_ _0\"></span>ion pro<span class=\"_ _0\"></span>vides e<span class=\"_ _0\"></span>videnc<span class=\"_ _0\"></span>e of an </span>impair<span class=\"_ _1\"></span>ment o<span class=\"_ _1\"></span>f the as<span class=\"_ _1\"></span>set tr<span class=\"_ _1\"></span>ansferred<span class=\"_ _1\"></span><span class=\"ls1 ws1\">. <span class=\"_ _14\"></span><span class=\"ls6 ws34\">The accou<span class=\"_ _1\"></span>nting po<span class=\"_ _1\"></span>licies of the sub<span class=\"_ _1\"></span>sidiaries a<span class=\"_ _1\"></span>re consistent with<span class=\"_ _1\"></span> the </span></span>policie<span class=\"_ _0\"></span>s adopted by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"lsa ws24\">. <span class=\"_ _1\"></span></span>In the Ba<span class=\"_ _0\"></span>nk\u2019s st<span class=\"_ _0\"></span>andalone f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents, inve<span class=\"_ _0\"></span>stment<span class=\"_ _0\"></span>s in sub<span class=\"_ _0\"></span>sidiarie<span class=\"_ _0\"></span>s are accounted f<span class=\"_ _0\"></span>or by the cost method of accounting, i.e. at cost less im<span class=\"_ _0\"></span>pairment.  Provisions are re<span class=\"_ _0\"></span>co<span class=\"ls5 ws7\">rded<span class=\"_ _1\"></span> </span>where, in<span class=\"_ _1\"></span> the op<span class=\"_ _1\"></span>inio<span class=\"_ _1\"></span>n of the Dir<span class=\"_ _1\"></span>ectors<span class=\"_ _1\"></span>, there i<span class=\"_ _1\"></span>s an impa<span class=\"_ _1\"></span>irment in<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e. Where t<span class=\"_ _1\"></span>here ha<span class=\"_ _1\"></span>s been<span class=\"_ _1\"></span> an impair<span class=\"_ _0\"></span>ment in the<span class=\"_ _0\"></span> value of<span class=\"_ _0\"></span> an investment<span class=\"_ _0\"></span>, it is re<span class=\"_ _0\"></span>cognised as an e<span class=\"_ _0\"></span>xpense i<span class=\"_ _0\"></span>n the pe<span class=\"_ _0\"></span>riod in which t<span class=\"_ _0\"></span>he diminutio<span class=\"_ _1\"></span>n is identified.<span class=\"_ _1\"></span> Impai<span class=\"_ _1\"></span>rment losses<span class=\"_ _1\"></span> recognis<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"lsa ws96\">in<span class=\"_ _1\"></span> prior periods are rev<span class=\"_ _1\"></span>ersed through profit or loss </span></span>if there<span class=\"_ _1\"></span> has<span class=\"_ _1\"></span> been a c<span class=\"_ _1\"></span>hange <span class=\"_ _1\"></span>in th<span class=\"_ _1\"></span>e estima<span class=\"_ _1\"></span>tes us<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine t<span class=\"_ _1\"></span>he inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>\u2019s reco<span class=\"_ _1\"></span>vera<span class=\"_ _1\"></span>ble amo<span class=\"_ _1\"></span>unt s<span class=\"_ _1\"></span>inc<span class=\"_ _1\"></span>e the la<span class=\"_ _1\"></span>st impa<span class=\"_ _1\"></span>irment l<span class=\"_ _1\"></span>oss wa<span class=\"_ _1\"></span>s r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed. Th<span class=\"_ _1\"></span>e resu<span class=\"_ _1\"></span>lts of s<span class=\"_ _1\"></span>ubsid<span class=\"_ _1\"></span>iaries<span class=\"_ _1\"></span> are re<span class=\"_ _1\"></span>flected<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e Ban<span class=\"_ _1\"></span>k\u2019s s<span class=\"_ _1\"></span><span class=\"ls8 ws16\">tandal<span class=\"_ _0\"></span>one </span>finan<span class=\"_ _1\"></span>cial s<span class=\"_ _1\"></span>tatement<span class=\"_ _1\"></span>s onl<span class=\"_ _1\"></span>y to the exten<span class=\"_ _1\"></span>t of di<span class=\"_ _1\"></span>viden<span class=\"_ _1\"></span>ds recei<span class=\"_ _1\"></span>vable.<span class=\"_ _1\"></span> On dis<span class=\"_ _1\"></span>posa<span class=\"_ _1\"></span>l of an inv<span class=\"_ _1\"></span>estmen<span class=\"_ _1\"></span>t, the d<span class=\"_ _1\"></span>ifference<span class=\"_ _1\"></span> betwee<span class=\"_ _0\"></span>n the net di<span class=\"_ _0\"></span>sposal pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds and the car<span class=\"_ _0\"></span>rying am<span class=\"_ _0\"></span>ount is charg<span class=\"_ _0\"></span>ed or c<span class=\"_ _0\"></span>redite<span class=\"_ _0\"></span>d to prof<span class=\"_ _0\"></span>it or loss<span class=\"ls1 ws1\">.<span class=\"_ _bc\"> </span></span>1.2 <span class=\"ls1 ws1\"> <span class=\"_ _51\"> </span><span class=\"ls5 ws6\">I<span class=\"_ _1\"></span>nves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> in asso<span class=\"_ _1\"></span>ciates<span class=\"_ _1\"></span></span> </span>Associat<span class=\"_ _1\"></span>es are all entiti<span class=\"_ _1\"></span>es ove<span class=\"_ _1\"></span>r which the Gro<span class=\"_ _1\"></span>up has s<span class=\"_ _1\"></span>ignifican<span class=\"_ _1\"></span>t influence but<span class=\"_ _1\"></span> not contro<span class=\"_ _1\"></span>l or join<span class=\"_ _1\"></span>t control,<span class=\"_ _1\"></span> gener<span class=\"_ _0\"></span>ally accom<span class=\"_ _0\"></span>panying a share<span class=\"_ _0\"></span>holding<span class=\"_ _0\"></span> of betwee<span class=\"_ _0\"></span>n 20% and 50% of the<span class=\"_ _0\"></span> voting right<span class=\"_ _0\"></span>s. Investm<span class=\"_ _0\"></span>ents in ass<span class=\"_ _1\"></span>ociates<span class=\"_ _1\"></span> are acc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span>ed for usi<span class=\"_ _1\"></span>ng the eq<span class=\"_ _1\"></span>uity met<span class=\"ls8 ws117\">hod of accounting in t<span class=\"_ _0\"></span>he consol<span class=\"_ _0\"></span>idate<span class=\"_ _0\"></span>d financ<span class=\"_ _0\"></span>ial </span>stateme<span class=\"_ _0\"></span>nts. Unde<span class=\"_ _0\"></span>r the equit<span class=\"_ _0\"></span>y method of<span class=\"_ _0\"></span> account<span class=\"_ _0\"></span>ing, the<span class=\"_ _0\"></span> investment i<span class=\"_ _0\"></span>s initial<span class=\"_ _0\"></span>ly rec<span class=\"_ _0\"></span>ognised at cost,<span class=\"_ _0\"></span> and the<span class=\"_ _0\"></span> carrying<span class=\"_ _0\"></span> amount is a<span class=\"_ _0\"></span>djusted <span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>hereaf<span class=\"_ _0\"></span>ter to re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span> the G<span class=\"_ _0\"></span>roup\u2019s share of<span class=\"_ _0\"></span> the po<span class=\"_ _0\"></span>st<span class=\"ls1 ws1\">-<span class=\"ls6 ws34\">acquisition pr<span class=\"_ _1\"></span>ofits</span> <span class=\"_ _14\"></span><span class=\"ls1a ws77\">o<span class=\"_ _1\"></span>r </span></span>loss<span class=\"_ _1\"></span>es of th<span class=\"_ _1\"></span>e inv<span class=\"_ _1\"></span>estee in p<span class=\"_ _1\"></span>ro<span class=\"_ _1\"></span>fit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>, and<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> shar<span class=\"_ _1\"></span>e of move<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> in oth<span class=\"_ _1\"></span>er co<span class=\"_ _1\"></span>mpreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e incom<span class=\"_ _1\"></span>e of the i<span class=\"_ _1\"></span>nvest<span class=\"_ _1\"></span>ee in other<span class=\"_ _1\"></span> compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income.<span class=\"_ _1\"></span> The Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ment in as<span class=\"_ _1\"></span>socia<span class=\"_ _1\"></span>tes includ<span class=\"_ _1\"></span>es good<span class=\"_ _1\"></span>will identified on<span class=\"_ _1\"></span> acquisitio<span class=\"_ _1\"></span>n. Dividend<span class=\"_ _1\"></span>s received or receivab<span class=\"_ _1\"></span>le from as<span class=\"_ _1\"></span>sociates a<span class=\"_ _1\"></span>re recognised as<span class=\"_ _1\"></span> a reduction i<span class=\"_ _1\"></span>n the carr<span class=\"_ _0\"></span>ying am<span class=\"_ _0\"></span>ount of the<span class=\"_ _0\"></span> investm<span class=\"_ _0\"></span>ent.<span class=\"ls1 ws1\"> </span>When the Gr<span class=\"_ _0\"></span>oup\u2019s share of<span class=\"_ _0\"></span> losses in an associat<span class=\"_ _0\"></span>e equal<span class=\"_ _0\"></span>s or excee<span class=\"_ _0\"></span>ds its inte<span class=\"_ _0\"></span>rest in the assoc<span class=\"_ _0\"></span>iate, i<span class=\"_ _0\"></span>ncluding<span class=\"_ _0\"></span> any other u<span class=\"_ _0\"></span>nsecur<span class=\"_ _0\"></span>ed rec<span class=\"_ _0\"></span>eivable<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup does <span class=\"_ _0\"></span>not rec<span class=\"_ _0\"></span>ognise<span class=\"_ _0\"></span> furthe<span class=\"_ _0\"></span>r losses, <span class=\"_ _0\"></span>unless it<span class=\"_ _0\"></span> has i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d legal<span class=\"_ _0\"></span> or constructive obligati<span class=\"_ _0\"></span>ons or made payme<span class=\"_ _0\"></span>nts on behalf of the associate<span class=\"_ _0\"></span>.<span class=\"ff3 ls1\"> </span>The Grou<span class=\"_ _1\"></span>p det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>es at ea<span class=\"_ _1\"></span>ch r<span class=\"_ _1\"></span>eporti<span class=\"_ _1\"></span>ng dat<span class=\"_ _1\"></span>e whether<span class=\"_ _1\"></span> ther<span class=\"_ _1\"></span>e is an<span class=\"_ _1\"></span>y obj<span class=\"_ _1\"></span>ective ev<span class=\"_ _1\"></span>idence t<span class=\"_ _1\"></span>hat<span class=\"_ _1\"></span> the in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>t in th<span class=\"_ _1\"></span>e ass<span class=\"_ _1\"></span>ociate is<span class=\"_ _1\"></span> impai<span class=\"_ _1\"></span>red.<span class=\"_ _1\"></span> If th<span class=\"_ _1\"></span>is is<span class=\"_ _1\"></span> the cas<span class=\"_ _1\"></span>e, the<span class=\"_ _1\"></span> Group<span class=\"_ _1\"></span> calc<span class=\"_ _1\"></span>ulates<span class=\"_ _1\"></span> the a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>t of i<span class=\"_ _1\"></span>mpai<span class=\"_ _1\"></span>rment as<span class=\"_ _1\"></span> the differ<span class=\"_ _1\"></span>ence bet<span class=\"_ _1\"></span>ween<span class=\"_ _1\"></span> the reco<span class=\"_ _1\"></span>vera<span class=\"_ _1\"></span>ble amou<span class=\"_ _1\"></span>nt of t<span class=\"_ _1\"></span>he<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls6 ws61\">asso<span class=\"_ _1\"></span>ciate and its<span class=\"_ _1\"></span> carrying va<span class=\"_ _1\"></span>lue and recognises<span class=\"_ _1\"></span> the </span></span>amount adjac<span class=\"_ _0\"></span>ent to \u2018shar<span class=\"_ _0\"></span>e of pr<span class=\"_ _0\"></span>ofit/(<span class=\"_ _0\"></span>loss) of<span class=\"_ _0\"></span> investme<span class=\"_ _0\"></span>nt accounte<span class=\"_ _0\"></span>d for using<span class=\"_ _0\"></span> the equi<span class=\"_ _0\"></span>ty method\u2019 in the<span class=\"_ _0\"></span> income s<span class=\"_ _1\"></span>tatem<span class=\"_ _1\"></span>ent.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>Profit<span class=\"_ _0\"></span>s and losses re<span class=\"_ _0\"></span>sulting from<span class=\"_ _0\"></span> upstream<span class=\"_ _0\"></span> and downstream<span class=\"_ _0\"></span> transact<span class=\"_ _0\"></span>ions betw<span class=\"_ _0\"></span>een the G<span class=\"_ _0\"></span>roup and its ass<span class=\"_ _1\"></span>ociates<span class=\"_ _1\"></span> are reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements o<span class=\"_ _1\"></span>nly t<span class=\"_ _1\"></span>o the extent<span class=\"_ _1\"></span> of unr<span class=\"_ _1\"></span>elated i<span class=\"_ _1\"></span>nves<span class=\"_ _1\"></span>tor\u2019s interes<span class=\"_ _1\"></span>ts in<span class=\"_ _1\"></span> the as<span class=\"_ _1\"></span>soci<span class=\"_ _1\"></span>ates. Un<span class=\"_ _1\"></span>realis<span class=\"_ _1\"></span>ed los<span class=\"_ _1\"></span>ses a<span class=\"_ _1\"></span>re eli<span class=\"ls8 ws15\">minated unless the tra<span class=\"_ _0\"></span>nsaction pro<span class=\"_ _0\"></span>vides e<span class=\"_ _0\"></span>videnc<span class=\"_ _0\"></span>e of an </span>impair<span class=\"_ _1\"></span>ment o<span class=\"_ _1\"></span>f the as<span class=\"_ _1\"></span>set tr<span class=\"_ _1\"></span>ansf<span class=\"_ _1\"></span>erred.<span class=\"_ _1\"></span> Accou<span class=\"_ _1\"></span>ntin<span class=\"_ _1\"></span>g poli<span class=\"_ _1\"></span>cies of<span class=\"_ _1\"></span> as<span class=\"_ _1\"></span>socia<span class=\"_ _1\"></span>tes ha<span class=\"_ _1\"></span>ve been<span class=\"_ _1\"></span> chang<span class=\"_ _1\"></span>ed wh<span class=\"_ _1\"></span>ere neces<span class=\"_ _1\"></span>sary to ensure<span class=\"_ _0\"></span> consistenc<span class=\"_ _0\"></span>y with th<span class=\"_ _0\"></span>e pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s adopted by the<span class=\"_ _0\"></span> Group.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>If the o<span class=\"_ _0\"></span>wnershi<span class=\"_ _0\"></span>p intere<span class=\"_ _0\"></span>st in an a<span class=\"_ _0\"></span>ssociate<span class=\"_ _0\"></span> is reduc<span class=\"_ _0\"></span>ed but si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant inf<span class=\"_ _0\"></span>luence<span class=\"_ _0\"></span> is reta<span class=\"_ _0\"></span>ined, only a<span class=\"_ _0\"></span> prop<span class=\"_ _1\"></span>ortio<span class=\"_ _1\"></span>nate s<span class=\"_ _1\"></span>hare of t<span class=\"_ _1\"></span>he amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> previo<span class=\"_ _1\"></span>usly<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ised in o<span class=\"_ _1\"></span>ther comp<span class=\"_ _1\"></span>rehens<span class=\"_ _1\"></span>ive in<span class=\"_ _1\"></span>come is<span class=\"_ _1\"></span> reclas<span class=\"_ _1\"></span>sifi<span class=\"_ _1\"></span>ed to profit or<span class=\"_ _0\"></span> loss wher<span class=\"_ _0\"></span>e appropriate<span class=\"_ _0\"></span>. Dilution gains<span class=\"_ _0\"></span> an<span class=\"lse ws11c\">d l<span class=\"_ _0\"></span>osses a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sing on<span class=\"_ _0\"></span> inve<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s in a<span class=\"_ _0\"></span>ssocia<span class=\"_ _0\"></span>tes<span class=\"_ _0\"></span> are<span class=\"_ _0\"></span> </span>recogn<span class=\"_ _1\"></span>ised in<span class=\"_ _1\"></span> the in<span class=\"_ _1\"></span>come sta<span class=\"_ _1\"></span>tem<span class=\"_ _1\"></span>ent.<span class=\"ff3 ls1 ws1\"> </span>In the Bank<span class=\"_ _0\"></span>\u2019s standalo<span class=\"_ _0\"></span>ne fina<span class=\"_ _0\"></span>ncia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents, inve<span class=\"_ _0\"></span>stment<span class=\"_ _0\"></span>s in associ<span class=\"_ _0\"></span>ates are<span class=\"_ _0\"></span> accounte<span class=\"_ _0\"></span>d for by t<span class=\"_ _0\"></span>he cost method<span class=\"_ _1\"></span> of acco<span class=\"_ _1\"></span>untin<span class=\"_ _1\"></span>g, i.e.<span class=\"_ _1\"></span> at cos<span class=\"_ _1\"></span>t less<span class=\"_ _1\"></span> impairmen<span class=\"_ _1\"></span>t.  Pro<span class=\"_ _1\"></span>vision<span class=\"_ _1\"></span>s are r<span class=\"_ _1\"></span>ecorded<span class=\"_ _1\"></span> where, in<span class=\"_ _1\"></span> the op<span class=\"_ _1\"></span>inion<span class=\"_ _1\"></span> of the Directors, th<span class=\"_ _1\"></span>ere is impair<span class=\"_ _1\"></span>ment in<span class=\"_ _1\"></span> value.  Wher<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> <span class=\"ls5 ws3b\">t<span class=\"_ _1\"></span>here h<span class=\"_ _1\"></span>as b<span class=\"_ _1\"></span>een i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment i<span class=\"_ _1\"></span>n the v<span class=\"_ _1\"></span>alue<span class=\"_ _1\"></span> of a<span class=\"_ _1\"></span>n inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>, </span></span>it is rec<span class=\"_ _0\"></span>ognise<span class=\"_ _0\"></span>d as an expe<span class=\"_ _0\"></span>nse in the per<span class=\"_ _0\"></span>iod in whi<span class=\"_ _0\"></span>ch the diminution i<span class=\"_ _0\"></span>s identif<span class=\"_ _0\"></span>ied.<span class=\"_ _0\"></span> The result<span class=\"_ _0\"></span>s of the assoc<span class=\"_ _0\"></span>iate are refle<span class=\"_ _1\"></span>cted in<span class=\"_ _1\"></span> the Ban<span class=\"_ _1\"></span>k\u2019s stand<span class=\"_ _1\"></span>alon<span class=\"_ _1\"></span>e finan<span class=\"_ _1\"></span>cial stat<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>s onl<span class=\"_ _1\"></span>y to the exten<span class=\"_ _1\"></span>t of divi<span class=\"_ _1\"></span>dends<span class=\"_ _1\"></span> receiva<span class=\"_ _1\"></span>ble. On disposal of<span class=\"_ _0\"></span> an in<span class=\"_ _0\"></span>vestme<span class=\"_ _0\"></span>nt, the<span class=\"_ _0\"></span> diff<span class=\"_ _0\"></span>erence<span class=\"_ _0\"></span> between the<span class=\"_ _0\"></span> net dispo<span class=\"_ _0\"></span>sal proc<span class=\"_ _0\"></span>eeds and<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>arryi<span class=\"_ _0\"></span>ng amount i<span class=\"_ _0\"></span>s charged or credi<span class=\"_ _1\"></span>ted to profit <span class=\"_ _1\"></span>or loss<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.3 <span class=\"ls1 ws1\"> <span class=\"_ _47\"> </span></span><span class=\"ws7\">Foreign cu<span class=\"_ _1\"></span>rrency tran<span class=\"_ _1\"></span>slation<span class=\"ls1 ws1\"> </span></span> <span class=\"_ _9c\"> </span><span class=\"ls8 wsa\">The f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> statement<span class=\"_ _0\"></span>s are pre<span class=\"_ _0\"></span>sented i<span class=\"_ _0\"></span>n euro (\u20ac<span class=\"_ _0\"></span>), whi<span class=\"_ _0\"></span>ch is the Gr<span class=\"_ _0\"></span>oup\u2019s present<span class=\"_ _0\"></span>ation curr<span class=\"_ _11\"></span>ency.<span class=\"ls1 ws1\"> </span></span>1.3.1<span class=\"fs1\"> <span class=\"_ _89\"> </span><span class=\"ls8 wsa\">Functi<span class=\"_ _0\"></span>onal and pre<span class=\"_ _0\"></span>sentation c<span class=\"_ _11\"></span>urrency<span class=\"ls1 ws1\"> </span></span></span>Items i<span class=\"_ _1\"></span>nclud<span class=\"_ _1\"></span>ed in t<span class=\"_ _1\"></span>he finan<span class=\"_ _1\"></span>cial sta<span class=\"_ _1\"></span>tements<span class=\"_ _1\"></span> of each<span class=\"_ _1\"></span> of the Grou<span class=\"_ _1\"></span>p\u2019s enti<span class=\"_ _1\"></span>ties ar<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ed usin<span class=\"_ _1\"></span>g the cur<span class=\"_ _1\"></span>rency of the pr<span class=\"_ _0\"></span>imary e<span class=\"_ _0\"></span>conomi<span class=\"_ _0\"></span>c envir<span class=\"_ _0\"></span>onment<span class=\"_ _0\"></span> in whic<span class=\"_ _0\"></span>h the enti<span class=\"_ _0\"></span>ty o<span class=\"_ _0\"></span>perate<span class=\"_ _0\"></span>s (the<span class=\"_ _0\"></span> Bank\u2019s \u2018<span class=\"_ _0\"></span>functiona<span class=\"_ _11\"></span>l currency\u2019). T<span class=\"_ _0\"></span>he cons<span class=\"_ _1\"></span>olida<span class=\"_ _1\"></span>ted fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements a<span class=\"_ _1\"></span>re pres<span class=\"_ _1\"></span>en<span class=\"ls8 wsb\">ted in eur<span class=\"_ _0\"></span>o (\u20ac<span class=\"_ _0\"></span>), whi<span class=\"_ _0\"></span>ch is the B<span class=\"_ _0\"></span>ank\u2019s f<span class=\"_ _0\"></span>unctio<span class=\"_ _0\"></span>nal curr<span class=\"_ _0\"></span>ency an<span class=\"_ _0\"></span>d </span>the Gr<span class=\"_ _0\"></span>oup\u2019s present<span class=\"_ _0\"></span>ation curr<span class=\"_ _11\"></span>ency.<span class=\"ls1 ws1\"> </span>1.3.2<span class=\"fs1\"> <span class=\"_ _89\"> </span><span class=\"ls7 ws26\">Transactions and balances</span> </span>Foreign currency<span class=\"_ _1\"></span> transact<span class=\"_ _1\"></span>ions are translated i<span class=\"_ _1\"></span>nto the functional cu<span class=\"_ _1\"></span>rrency using the exchange ra<span class=\"_ _1\"></span>tes prevailing at the<span class=\"_ _0\"></span> dates of<span class=\"_ _0\"></span> the tr<span class=\"_ _0\"></span>ansactions or v<span class=\"_ _0\"></span>aluation w<span class=\"_ _0\"></span>here ite<span class=\"_ _0\"></span>ms are re<span class=\"_ _0\"></span>measured. Foreig<span class=\"_ _0\"></span>n exchange gains<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> losses<span class=\"_ _1\"></span> resultin<span class=\"_ _1\"></span>g from th<span class=\"_ _1\"></span>e settlem<span class=\"_ _1\"></span>ent o<span class=\"_ _1\"></span>f such<span class=\"_ _1\"></span> <span class=\"ls7 ws6d\">transactions a<span class=\"_ _0\"></span>nd from the transl<span class=\"_ _0\"></span>ation at year<span class=\"ls1 ws1\">-<span class=\"ls1b ws6\">end </span></span></span>exchange rates<span class=\"_ _1\"></span> of monetary<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets and liab<span class=\"_ _1\"></span>ilities denomin<span class=\"_ _1\"></span>ated in foreign curr<span class=\"_ _1\"></span>encies are recogn<span class=\"_ _1\"></span>ised in th<span class=\"_ _1\"></span>e income s<span class=\"_ _1\"></span>tatem<span class=\"_ _1\"></span>ent.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.4<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span></span><span class=\"ws7\">Financia<span class=\"_ _1\"></span>l assets<span class=\"ls1 ws1\"> </span></span>1.4.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span><span class=\"ws7\">In<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement<span class=\"ls1 ws1\"> </span></span>The Group r<span class=\"_ _0\"></span>ecognise<span class=\"_ _0\"></span>s a financial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nt in its state<span class=\"_ _0\"></span>ment of fi<span class=\"_ _0\"></span>nancial position w<span class=\"_ _0\"></span>hen it becom<span class=\"_ _0\"></span>es a party to the cont<span class=\"_ _0\"></span>ractual pr<span class=\"_ _0\"></span>ovision<span class=\"_ _0\"></span>s of t<span class=\"_ _0\"></span>he instrum<span class=\"_ _0\"></span>ent. Re<span class=\"_ _0\"></span>gular<span class=\"_ _0\"></span> way purchases and sal<span class=\"_ _0\"></span>es of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets are<span class=\"_ _11\"></span> recog<span class=\"_ _0\"></span>nised on the<span class=\"_ _0\"></span> trade dat<span class=\"_ _0\"></span>e, whi<span class=\"_ _0\"></span>ch is the dat<span class=\"_ _0\"></span>e on whi<span class=\"_ _0\"></span>ch the G<span class=\"_ _0\"></span>roup commi<span class=\"_ _0\"></span>ts to purchase<span class=\"_ _0\"></span> or sell<span class=\"_ _0\"></span> the asset.<span class=\"_ _11\"></span> Accordi<span class=\"_ _0\"></span>ngly, the<span class=\"_ _0\"></span> Group use<span class=\"_ _0\"></span>s trade date<span class=\"_ _0\"></span> account<span class=\"_ _0\"></span>ing for<span class=\"_ _0\"></span> regular w<span class=\"_ _0\"></span>ay contrac<span class=\"_ _0\"></span>ts when r<span class=\"_ _0\"></span>ecor<span class=\"_ _0\"></span>ding financi<span class=\"_ _0\"></span>al asset<span class=\"_ _0\"></span> transactions. <span class=\"ls1 ws1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, th<span class=\"_ _1\"></span>e Group measu<span class=\"_ _1\"></span>res a financia<span class=\"_ _1\"></span>l asset at i<span class=\"_ _1\"></span>ts fair valu<span class=\"_ _1\"></span>e plus or minu<span class=\"_ _1\"></span>s, in the case of a financial asset not at fai<span class=\"_ _0\"></span>r value through profit or l<span class=\"_ _0\"></span>oss, transaction costs that are incre<span class=\"_ _0\"></span>mental and directly<span class=\"_ _0\"></span> attributabl<span class=\"_ _0\"></span>e to the<span class=\"_ _0\"></span> acquisiti<span class=\"_ _0\"></span>on or <span class=\"ls6 ws39\">issue of the financial<span class=\"_ _1\"></span> asset, such<span class=\"_ _1\"></span> as fees and commis<span class=\"_ _1\"></span>sions. Trans<span class=\"_ _1\"></span>action </span>costs of financial assets carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value through profi<span class=\"_ _0\"></span>t or loss are e<span class=\"_ _0\"></span>xpensed in profit <span class=\"_ _0\"></span>or loss. <span class=\"ls1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, an<span class=\"_ _1\"></span> Expected Credit Lo<span class=\"_ _1\"></span>ss allowan<span class=\"_ _1\"></span>ce (\u2018ECL\u2019) is<span class=\"_ _1\"></span> recognised for <span class=\"_ _1\"></span>financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> measured at amorti<span class=\"_ _0\"></span>sed cost and i<span class=\"_ _0\"></span>nvest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in debt i<span class=\"_ _0\"></span>nstrument<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI, whi<span class=\"_ _0\"></span>ch results in an a<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ting<span class=\"_ _0\"></span> loss b<span class=\"_ _1\"></span>eing recognised in<span class=\"_ _1\"></span> profit or los<span class=\"_ _1\"></span>s wh<span class=\"ls8 wsa\">en an asse<span class=\"_ _0\"></span>t is ne<span class=\"_ _0\"></span>wly origi<span class=\"_ _0\"></span>nated.<span class=\"ls1 ws1\"> </span></span>When the fair v<span class=\"_ _1\"></span>alue of fina<span class=\"_ _1\"></span>ncial as<span class=\"_ _1\"></span>sets differs from<span class=\"_ _1\"></span> the tran<span class=\"_ _1\"></span>saction<span class=\"_ _1\"></span> price on init<span class=\"_ _1\"></span>ial recognit<span class=\"_ _1\"></span>ion, the Group<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e as foll<span class=\"_ _1\"></span>ows: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsb\">whe<span class=\"_ _0\"></span>n the fai<span class=\"_ _0\"></span>r value i<span class=\"_ _0\"></span>s evidence<span class=\"_ _0\"></span>d by a quoted pri<span class=\"_ _0\"></span>ce in an a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arket<span class=\"_ _0\"></span> for an identi<span class=\"_ _0\"></span>cal asset (i<span class=\"_ _0\"></span>.e. a </span></span>Level<span class=\"_ _0\"></span> 1 input) or<span class=\"_ _0\"></span> based on a valuat<span class=\"_ _0\"></span>ion tec<span class=\"_ _0\"></span>hnique that u<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span> only data fr<span class=\"_ _0\"></span>om obser<span class=\"_ _0\"></span>vable m<span class=\"_ _0\"></span>arkets, the<span class=\"_ _0\"></span> difference is reco<span class=\"_ _1\"></span>gnised a<span class=\"_ _1\"></span>s a gain or lo<span class=\"_ _1\"></span>ss; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws3b\">in all o<span class=\"_ _1\"></span>ther cas<span class=\"_ _1\"></span>es, t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e is def<span class=\"_ _1\"></span>erred an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e timin<span class=\"_ _1\"></span>g of r<span class=\"_ _1\"></span>ecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red da<span class=\"_ _1\"></span>y on<span class=\"_ _1\"></span>e profi<span class=\"_ _1\"></span>t </span></span>or loss is det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned indivi<span class=\"_ _0\"></span>dually. It i<span class=\"_ _0\"></span>s eithe<span class=\"_ _0\"></span>r amort<span class=\"_ _0\"></span>ised over the<span class=\"_ _0\"></span> life of<span class=\"_ _0\"></span> the instrume<span class=\"_ _0\"></span>nt, def<span class=\"_ _0\"></span>erred unti<span class=\"_ _0\"></span>l the in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ment's fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue can b<span class=\"_ _1\"></span>e determin<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws3a\">using market obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs, or<span class=\"_ _0\"></span> reali<span class=\"_ _0\"></span>sed through<span class=\"_ _0\"></span> </span></span>settl<span class=\"_ _1\"></span>ement.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.4.2<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span>Clas<span class=\"_ _1\"></span>sification<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws15\">and subsequent m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>ment <span class=\"ls1 ws1\"> </span></span></span>The Grou<span class=\"_ _1\"></span>p clas<span class=\"_ _1\"></span>sifies<span class=\"_ _1\"></span> its fin<span class=\"_ _1\"></span>anci<span class=\"_ _1\"></span>al as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> in the foll<span class=\"_ _1\"></span>owing m<span class=\"_ _1\"></span>eas<span class=\"_ _1\"></span>urement<span class=\"_ _1\"></span> categori<span class=\"_ _1\"></span>es:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 lsd ws44\">Fair </span><span class=\"ff1\">v<span class=\"ls6 ws7\">alue th<span class=\"_ _1\"></span>rough pro<span class=\"_ _1\"></span>fit or loss (\u2018FVPL\u2019);</span> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsa\">Fair<span class=\"_ _0\"></span> value thro<span class=\"_ _0\"></span>ugh other c<span class=\"_ _0\"></span>ompre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> (\u2018FVOC<span class=\"_ _0\"></span>I\u2019); or<span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws6\">Amortis<span class=\"_ _1\"></span>ed cost<span class=\"_ _1\"></span>.</span><span class=\"ff1\"> </span></span>1.4.2.1 <span class=\"ff5 lsb ws24\">Debt instruments<span class=\"_ _bc\"> </span></span><span class=\"ls1 ws1\"> </span>Debt in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> are thos<span class=\"_ _1\"></span>e instru<span class=\"_ _1\"></span>ments t<span class=\"_ _1\"></span>hat meet th<span class=\"_ _1\"></span>e definit<span class=\"_ _1\"></span>ion of a<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial lia<span class=\"_ _1\"></span>bilit<span class=\"_ _1\"></span>y from the iss<span class=\"_ _1\"></span>uer's perspec<span class=\"_ _0\"></span>tive, such a<span class=\"_ _0\"></span>s loans, g<span class=\"_ _0\"></span>overnm<span class=\"_ _0\"></span>ent and cor<span class=\"_ _0\"></span>porate bonds and t<span class=\"_ _0\"></span>rade re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vables purcha<span class=\"_ _0\"></span>sed from<span class=\"_ _0\"></span> clients<span class=\"_ _0\"></span> in factoring a<span class=\"_ _1\"></span>rrangements<span class=\"_ _1\"></span> without recou<span class=\"_ _1\"></span>rse.<span class=\"ls1 ws1\"> </span>Classif<span class=\"_ _0\"></span>ication a<span class=\"_ _0\"></span>nd subseque<span class=\"_ _0\"></span>nt m<span class=\"_ _0\"></span>easureme<span class=\"_ _0\"></span>nt of de<span class=\"_ _0\"></span>bt instrume<span class=\"_ _0\"></span>nts depe<span class=\"_ _0\"></span>nd on: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws7\">the <span class=\"ls8 wsa\">Group's busine<span class=\"_ _0\"></span>ss model f<span class=\"_ _0\"></span>or mana<span class=\"_ _0\"></span>ging the<span class=\"_ _0\"></span> asset; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws6\">the cas<span class=\"_ _1\"></span>h</span><span class=\"ff1\"> <span class=\"ls5 ws6\">flow ch<span class=\"_ _1\"></span>aract<span class=\"_ _1\"></span>eristic<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span></span></span></span>Based on the<span class=\"_ _0\"></span>se factor<span class=\"_ _0\"></span>s the Group cl<span class=\"_ _0\"></span>assifie<span class=\"_ _0\"></span>s its debt instrument<span class=\"_ _0\"></span>s into one of<span class=\"_ _0\"></span> the follo<span class=\"_ _0\"></span>wing three measu<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span> categor<span class=\"_ _1\"></span>ies:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws6b\">Amorti<span class=\"_ _0\"></span>sed cost:<span class=\"ff1 ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls5 ws1a\">Asset<span class=\"_ _1\"></span>s that a<span class=\"_ _1\"></span>re held for c<span class=\"_ _1\"></span>ollectio<span class=\"_ _1\"></span>n of co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws where t<span class=\"_ _1\"></span>hose cas<span class=\"_ _1\"></span>h flows </span></span></span></span>repre<span class=\"_ _0\"></span>sent sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of princ<span class=\"_ _0\"></span>ipal and inte<span class=\"_ _0\"></span>rest (<span class=\"_ _0\"></span>\u2018SPPI\u2019<span class=\"_ _0\"></span>), and that ar<span class=\"_ _0\"></span>e not<span class=\"_ _0\"></span> designate<span class=\"_ _0\"></span>d at F<span class=\"_ _0\"></span>VPL, ar<span class=\"_ _0\"></span>e measu<span class=\"_ _1\"></span>red at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t. The carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f these as<span class=\"_ _1\"></span>sets is <span class=\"ls8 ws11\">adjusted by an<span class=\"_ _0\"></span>y Ex<span class=\"_ _0\"></span>pec<span class=\"_ _0\"></span>ted Cr<span class=\"_ _0\"></span>edit </span>Loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nce reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> and meas<span class=\"_ _1\"></span>ured a<span class=\"_ _1\"></span>s describ<span class=\"_ _1\"></span>ed in no<span class=\"_ _1\"></span>te 1.4.3.<span class=\"_ _1\"></span> Interes<span class=\"_ _1\"></span>t inco<span class=\"_ _1\"></span>me from thes<span class=\"_ _1\"></span>e finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> is inc<span class=\"_ _1\"></span>luded<span class=\"_ _1\"></span> in \u2018Interes<span class=\"_ _1\"></span>t income\u2019<span class=\"_ _1\"></span> usin<span class=\"_ _1\"></span>g the ef<span class=\"_ _1\"></span>fecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> rate meth<span class=\"_ _1\"></span>od.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws24\">Fair<span class=\"_ _0\"></span> value through other<span class=\"_ _0\"></span> comprehens<span class=\"_ _0\"></span>ive income (\u2018F<span class=\"_ _0\"></span>VOCI<span class=\"_ _0\"></span>\u2019):<span class=\"ff1 ls1 ws1\"> <span class=\"ls6 ws7\">Financial a<span class=\"_ _1\"></span>ssets th<span class=\"_ _1\"></span>at are held for collection<span class=\"_ _1\"></span> </span></span></span></span>of con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span> and for s<span class=\"_ _1\"></span>elling<span class=\"_ _1\"></span> the ass<span class=\"_ _1\"></span>ets, wh<span class=\"_ _1\"></span>ere the as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>\u2019 cash fl<span class=\"_ _1\"></span>ows rep<span class=\"_ _1\"></span>resent so<span class=\"_ _1\"></span>lely payments of<span class=\"_ _0\"></span> princi<span class=\"_ _0\"></span>pal and intere<span class=\"_ _0\"></span>st, and that are<span class=\"_ _0\"></span> not desig<span class=\"_ _0\"></span>nated at FVP<span class=\"_ _0\"></span>L, are measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span> through othe<span class=\"_ _0\"></span>r compr<span class=\"_ _0\"></span>ehensi<span class=\"_ _0\"></span>ve income<span class=\"_ _0\"></span> (\u2018FVOCI\u2019).<span class=\"_ _0\"></span> Movement<span class=\"_ _0\"></span>s in the carryi<span class=\"_ _0\"></span>ng amount a<span class=\"_ _0\"></span>re taken thro<span class=\"_ _0\"></span>ugh OCI, exc<span class=\"_ _1\"></span>ept fo<span class=\"_ _1\"></span>r th<span class=\"_ _1\"></span>e recog<span class=\"_ _1\"></span>nit<span class=\"_ _1\"></span>ion of i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> or rev<span class=\"_ _1\"></span>ersal<span class=\"_ _1\"></span>s, in<span class=\"_ _1\"></span>terest i<span class=\"_ _1\"></span>ncom<span class=\"_ _1\"></span>e and<span class=\"_ _1\"></span> foreign<span class=\"_ _1\"></span> exchange gains<span class=\"_ _1\"></span> and los<span class=\"_ _1\"></span>ses on the ins<span class=\"_ _1\"></span>trument\u2019s a<span class=\"_ _1\"></span>mortised cost<span class=\"_ _1\"></span> which are recognis<span class=\"_ _1\"></span>ed in pro<span class=\"_ _1\"></span>fit or loss.<span class=\"_ _1\"></span> When the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et is derecognised, the cumula<span class=\"_ _1\"></span>tive gain or lo<span class=\"_ _1\"></span>ss previously recogn<span class=\"_ _1\"></span>ised in OCI is reclas<span class=\"_ _1\"></span>sified fr<span class=\"_ _1\"></span>om eq<span class=\"_ _1\"></span>uity t<span class=\"_ _1\"></span>o pr<span class=\"_ _1\"></span>ofit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>. Inter<span class=\"_ _1\"></span>est in<span class=\"_ _1\"></span>come f<span class=\"_ _1\"></span>rom thes<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws34\">finan<span class=\"_ _1\"></span>cial assets<span class=\"_ _1\"></span> is included<span class=\"_ _1\"></span> in </span></span>\u2018Int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come\u2019 us<span class=\"_ _1\"></span>ing t<span class=\"_ _1\"></span>he effect<span class=\"_ _1\"></span>ive int<span class=\"_ _1\"></span>erest<span class=\"_ _1\"></span> rate meth<span class=\"_ _1\"></span>od.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws48\">Fair<span class=\"_ _0\"></span> value through pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss (\u2018FVP<span class=\"_ _0\"></span>L\u2019):<span class=\"ff1 ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls5 ws35\">Ass<span class=\"_ _1\"></span>ets th<span class=\"_ _1\"></span>at do<span class=\"_ _1\"></span> not meet the cri<span class=\"_ _1\"></span>teria<span class=\"_ _1\"></span> for amor<span class=\"_ _1\"></span>tis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t or </span></span></span></span>FVOCI are<span class=\"_ _0\"></span> measured at fair value thr<span class=\"_ _0\"></span>ough profit or lo<span class=\"_ _0\"></span>ss. A gain or los<span class=\"_ _0\"></span>s on a financi<span class=\"_ _0\"></span>al assets that i<span class=\"_ _11\"></span>s subsequently<span class=\"_ _0\"></span> me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span> value thr<span class=\"_ _0\"></span>ough pro<span class=\"_ _0\"></span>fit or<span class=\"_ _0\"></span> los<span class=\"_ _0\"></span>s is <span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gnised in pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss a<span class=\"_ _0\"></span>nd<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws7\">pres<span class=\"_ _1\"></span>ented<span class=\"_ _1\"></span> </span></span>in the income s<span class=\"_ _1\"></span>tatement with<span class=\"_ _1\"></span>in \u2018Net trad<span class=\"_ _1\"></span>ing income\u2019 in th<span class=\"_ _1\"></span>e period in which it aris<span class=\"_ _1\"></span>es, unless it aris<span class=\"_ _1\"></span>es from as<span class=\"_ _1\"></span>sets t<span class=\"_ _1\"></span>hat wer<span class=\"_ _1\"></span>e design<span class=\"_ _1\"></span>ated a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue or<span class=\"_ _1\"></span> which a<span class=\"_ _1\"></span>re not hel<span class=\"_ _1\"></span>d for tr<span class=\"_ _1\"></span>ading<span class=\"_ _1\"></span>, in which<span class=\"_ _1\"></span> case it<span class=\"_ _1\"></span> <span class=\"ls16 ws6f\">is </span>presen<span class=\"_ _1\"></span>ted s<span class=\"_ _1\"></span>eparat<span class=\"_ _1\"></span>ely in \u2018<span class=\"_ _1\"></span>Net in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>t inco<span class=\"_ _1\"></span>me\u2019. Int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t in<span class=\"_ _1\"></span>come fro<span class=\"_ _1\"></span>m these <span class=\"_ _1\"></span>finan<span class=\"_ _1\"></span>cia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets is inclu<span class=\"_ _1\"></span>ded in<span class=\"_ _1\"></span> \u2018Inter<span class=\"_ _1\"></span>est in<span class=\"_ _1\"></span>come\u2019 us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e effectiv<span class=\"_ _1\"></span>e inter<span class=\"_ _1\"></span>est.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The amortised cos<span class=\"_ _1\"></span>t is the amou<span class=\"_ _1\"></span>nt at which<span class=\"_ _1\"></span> the financial ass<span class=\"_ _1\"></span>et or financial lia<span class=\"_ _1\"></span>bility is measured<span class=\"_ _1\"></span> at initial<span class=\"_ _1\"></span> recognition min<span class=\"_ _1\"></span>us the pri<span class=\"_ _1\"></span>ncipal repayments<span class=\"_ _1\"></span>, plus or minus the cumulativ<span class=\"_ _1\"></span>e amortisation<span class=\"_ _1\"></span> using the effective interes<span class=\"_ _1\"></span>t metho<span class=\"_ _1\"></span>d of an<span class=\"_ _1\"></span>y differ<span class=\"_ _1\"></span>ence b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> <span class=\"ls8 ws2d\">that init<span class=\"_ _0\"></span>ial amount and t<span class=\"_ _0\"></span>he m<span class=\"_ _0\"></span>aturity am<span class=\"_ _0\"></span>ount and, f<span class=\"_ _0\"></span>or fi<span class=\"_ _0\"></span>nancial </span>assets, adjusted for an<span class=\"_ _0\"></span>y credit loss allowanc<span class=\"_ _0\"></span>e. <span class=\"ls1\"> </span>The effect<span class=\"_ _1\"></span>ive int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>counts es<span class=\"_ _1\"></span>timat<span class=\"_ _1\"></span>ed futu<span class=\"_ _1\"></span>re cash p<span class=\"_ _1\"></span>ayments or<span class=\"_ _1\"></span> receipts<span class=\"_ _1\"></span> through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liability<span class=\"_ _1\"></span> to the gross<span class=\"_ _1\"></span> carryin<span class=\"_ _1\"></span>g amount of a<span class=\"_ _1\"></span> financial as<span class=\"_ _1\"></span>set (i.e. its amortis<span class=\"_ _1\"></span>ed cost before any<span class=\"_ _1\"></span> credit loss allowance) or to th<span class=\"_ _1\"></span>e amortised cost of a finan<span class=\"_ _1\"></span>cial liability.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>alculation doe<span class=\"_ _0\"></span>s not consider e<span class=\"_ _0\"></span>xpected c<span class=\"_ _0\"></span>redit losse<span class=\"_ _0\"></span>s and include<span class=\"_ _0\"></span>s transactio<span class=\"_ _0\"></span>n costs, pr<span class=\"_ _0\"></span>emi<span class=\"_ _0\"></span>ums or discounts a<span class=\"_ _0\"></span>nd fee<span class=\"_ _0\"></span>s and points pa<span class=\"_ _0\"></span>id or re<span class=\"_ _0\"></span>ceive<span class=\"_ _0\"></span>d that are<span class=\"_ _0\"></span> integr<span class=\"_ _0\"></span>al to the<span class=\"_ _0\"></span> effec<span class=\"_ _0\"></span>tive inte<span class=\"_ _0\"></span>rest rate, suc<span class=\"_ _0\"></span>h as originatio<span class=\"_ _1\"></span>n fees. For purch<span class=\"_ _1\"></span>ased or origin<span class=\"_ _1\"></span>ated cred<span class=\"ws8\">it<span class=\"ls1 ws1\">-</span></span>impa<span class=\"_ _1\"></span>ired (\u2018POCI\u2019) <span class=\"_ _1\"></span>financial a<span class=\"_ _1\"></span>ssets <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span><span class=\"ls9 ws11d\">assets that are </span></span>credit<span class=\"ls1 ws1\">-</span><span class=\"ws1d\">impair<span class=\"_ _1\"></span>ed at initial reco<span class=\"_ _1\"></span>gnition<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">- </span>the Bank calculates t<span class=\"_ _1\"></span>he credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">adju<span class=\"_ _1\"></span>sted<span class=\"_ _1\"></span> effectiv<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>te, whi<span class=\"_ _1\"></span>ch<span class=\"_ _1\"></span> </span></span></span>is calculat<span class=\"_ _1\"></span>ed based on th<span class=\"_ _1\"></span>e amortised cost of th<span class=\"_ _1\"></span>e financial as<span class=\"_ _1\"></span>set instead of its<span class=\"_ _1\"></span> gross ca<span class=\"ls8 wsb\">rrying am<span class=\"_ _0\"></span>ount and<span class=\"_ _0\"></span> </span>incor<span class=\"_ _1\"></span>porat<span class=\"_ _1\"></span>es the i<span class=\"_ _1\"></span>mpact o<span class=\"_ _1\"></span>f expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses in<span class=\"_ _1\"></span> estima<span class=\"_ _1\"></span>ted fut<span class=\"_ _1\"></span>ure cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>When t<span class=\"_ _1\"></span>he Ban<span class=\"_ _1\"></span>k rev<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he es<span class=\"_ _1\"></span>timates<span class=\"_ _1\"></span> of fu<span class=\"_ _1\"></span>ture <span class=\"_ _1\"></span>cash<span class=\"_ _1\"></span> flows, t<span class=\"_ _1\"></span>he ca<span class=\"_ _1\"></span>rryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the r<span class=\"_ _1\"></span>esp<span class=\"_ _1\"></span>ective f<span class=\"_ _1\"></span>inan<span class=\"_ _1\"></span>cial asset or fin<span class=\"_ _1\"></span>ancial liab<span class=\"_ _1\"></span>ility is adjus<span class=\"_ _1\"></span>ted to reflect the ne<span class=\"_ _1\"></span>w estimate di<span class=\"_ _1\"></span>scounted u<span class=\"_ _1\"></span>sing the or<span class=\"_ _1\"></span>iginal effective<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e. Any ch<span class=\"_ _1\"></span>anges<span class=\"_ _1\"></span> are reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">in profit o<span class=\"_ _1\"></span>r loss.</span> </span>The B<span class=\"_ _0\"></span>ank reclassif<span class=\"_ _0\"></span>ies de<span class=\"_ _0\"></span>bt instruments w<span class=\"_ _0\"></span>hen and only w<span class=\"_ _0\"></span>hen its business m<span class=\"_ _0\"></span>odel f<span class=\"_ _0\"></span>or managing<span class=\"_ _0\"></span> those assets<span class=\"_ _0\"></span> changes. The recla<span class=\"_ _1\"></span>ssification<span class=\"_ _1\"></span> takes place from th<span class=\"_ _1\"></span>e start of the first reportin<span class=\"_ _1\"></span>g period following the cha<span class=\"_ _1\"></span>nge. Such chang<span class=\"_ _0\"></span>es are e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted to be ver<span class=\"_ _0\"></span>y infre<span class=\"_ _0\"></span>quent and none<span class=\"_ _0\"></span> occ<span class=\"_ _0\"></span>urred dur<span class=\"_ _0\"></span>ing the<span class=\"_ _0\"></span> period.<span class=\"ls1 ws1\"> </span>(a)<span class=\"ff9 ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ff5 lsb ws2c\">Business<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"lsb ws24\">model assessment</span> </span></span></span>Key ma<span class=\"_ _0\"></span>nagement<span class=\"_ _0\"></span> personnel<span class=\"_ _0\"></span> dete<span class=\"_ _0\"></span>rmine the<span class=\"_ _0\"></span> Group\u2019s busi<span class=\"_ _0\"></span>ness mode<span class=\"_ _0\"></span>l by conside<span class=\"_ _0\"></span>ring t<span class=\"_ _11\"></span>he way financial inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s are man<span class=\"_ _1\"></span>aged i<span class=\"_ _1\"></span>n order to<span class=\"_ _1\"></span> generat<span class=\"_ _1\"></span>e cash<span class=\"_ _1\"></span> flows. T<span class=\"_ _1\"></span>hat i<span class=\"_ _1\"></span>s, wheth<span class=\"_ _1\"></span>er the Grou<span class=\"_ _1\"></span>p's o<span class=\"_ _1\"></span>bjecti<span class=\"_ _1\"></span>ve is s<span class=\"_ _1\"></span>olely to collect the con<span class=\"_ _1\"></span>tractual ca<span class=\"_ _1\"></span>sh flows from the ass<span class=\"_ _1\"></span>ets or is to collect both th<span class=\"_ _1\"></span>e contractual cash<span class=\"_ _1\"></span> flows and cash<span class=\"_ _1\"></span> flows a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g from th<span class=\"_ _1\"></span>e sal<span class=\"_ _1\"></span>e of ass<span class=\"_ _1\"></span>ets. I<span class=\"_ _1\"></span>f neither<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>ese i<span class=\"_ _1\"></span>s app<span class=\"_ _1\"></span>licab<span class=\"_ _1\"></span>le (e.g.<span class=\"_ _1\"></span> financ<span class=\"_ _1\"></span>ial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> are hel<span class=\"_ _1\"></span>d for trading purpo<span class=\"_ _0\"></span>ses), the<span class=\"_ _0\"></span>n the fi<span class=\"_ _0\"></span>nancial a<span class=\"_ _0\"></span>ssets are c<span class=\"_ _0\"></span>lassifi<span class=\"_ _0\"></span>ed as part of<span class=\"_ _0\"></span> 'othe<span class=\"_ _0\"></span>r' busine<span class=\"_ _0\"></span>ss mo<span class=\"ls5 ws22\">del and<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red </span>at FVPL<span class=\"_ _1\"></span>. Such<span class=\"_ _1\"></span> asses<span class=\"_ _1\"></span>sment<span class=\"_ _1\"></span> is p<span class=\"_ _1\"></span>erform<span class=\"_ _1\"></span>ed at a<span class=\"_ _1\"></span> \u2018port<span class=\"_ _1\"></span>folio l<span class=\"_ _1\"></span>evel' a<span class=\"_ _1\"></span>s it b<span class=\"_ _1\"></span>est re<span class=\"_ _1\"></span>flects<span class=\"_ _1\"></span> the wa<span class=\"_ _1\"></span>y th<span class=\"_ _1\"></span>e busi<span class=\"_ _1\"></span>ness<span class=\"_ _1\"></span> is manage<span class=\"_ _0\"></span>d and infor<span class=\"_ _0\"></span>mation i<span class=\"_ _0\"></span>s provided to m<span class=\"_ _0\"></span>anage<span class=\"_ _0\"></span>ment.<span class=\"ls1 ws1\"> </span>The inf<span class=\"_ _0\"></span>ormation t<span class=\"_ _0\"></span>hat will<span class=\"_ _0\"></span> be consider<span class=\"_ _0\"></span>ed in such a<span class=\"_ _0\"></span>ssessme<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>ludes:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsed\">the obj<span class=\"_ _0\"></span>ective<span class=\"_ _0\"></span>s for the<span class=\"_ _0\"></span> portfolio<span class=\"_ _0\"></span> including<span class=\"_ _0\"></span> whethe<span class=\"_ _0\"></span>r management\u2019<span class=\"_ _0\"></span>s strategy f<span class=\"_ _0\"></span>ocuses on e<span class=\"_ _0\"></span>arning<span class=\"_ _0\"></span> </span></span>contractu<span class=\"_ _1\"></span>al interest reven<span class=\"_ _1\"></span>ue, maintain<span class=\"_ _1\"></span>ing a particu<span class=\"_ _1\"></span>lar interest rate profile, mat<span class=\"_ _1\"></span>ching the du<span class=\"_ _1\"></span>ration of the financia<span class=\"_ _1\"></span>l assets t<span class=\"_ _1\"></span>o the duration of the lia<span class=\"_ _1\"></span>bilities tha<span class=\"_ _1\"></span>t are funding t<span class=\"_ _1\"></span>hose assets o<span class=\"_ _1\"></span>r realising cash flo<span class=\"_ _1\"></span>ws thro<span class=\"_ _1\"></span>ugh th<span class=\"_ _1\"></span>e sale o<span class=\"_ _1\"></span>f ass<span class=\"_ _1\"></span>ets;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws4f\">the me<span class=\"_ _0\"></span>thod for the e<span class=\"_ _0\"></span>valuation of<span class=\"_ _0\"></span> the perf<span class=\"_ _0\"></span>ormance of t<span class=\"_ _0\"></span>he portfoli<span class=\"_ _0\"></span>o and how such pe<span class=\"_ _0\"></span>rformance<span class=\"_ _0\"></span> is </span></span>report<span class=\"_ _1\"></span>ed to t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s ma<span class=\"_ _1\"></span>nagem<span class=\"_ _1\"></span>ent;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws2d\">the r<span class=\"_ _0\"></span>isks that <span class=\"_ _0\"></span>aff<span class=\"_ _0\"></span>ect the<span class=\"_ _0\"></span> perf<span class=\"_ _0\"></span>ormance<span class=\"_ _0\"></span> of the busi<span class=\"_ _0\"></span>ness m<span class=\"_ _0\"></span>odel (<span class=\"_ _0\"></span>and the fi<span class=\"_ _0\"></span>nancial as<span class=\"_ _0\"></span>sets <span class=\"_ _0\"></span>held <span class=\"_ _0\"></span>withi<span class=\"_ _0\"></span>n that </span></span>business mode<span class=\"_ _0\"></span>l) and how<span class=\"_ _0\"></span> those<span class=\"_ _0\"></span> risks are<span class=\"_ _0\"></span> manage<span class=\"_ _0\"></span>d; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws13\">the f<span class=\"_ _0\"></span>reque<span class=\"_ _0\"></span>ncy, volume<span class=\"_ _0\"></span> and ti<span class=\"_ _11\"></span>ming of sales i<span class=\"_ _0\"></span>n prio<span class=\"_ _0\"></span>r pe<span class=\"_ _0\"></span>riods, <span class=\"_ _0\"></span>the r<span class=\"_ _0\"></span>easons f<span class=\"_ _0\"></span>or suc<span class=\"_ _0\"></span>h sale<span class=\"_ _0\"></span>s and <span class=\"_ _0\"></span>expe<span class=\"_ _0\"></span>ctations </span></span>about future sales activity. How<span class=\"_ _0\"></span>ever, informati<span class=\"_ _0\"></span>on about sales activity is not considered in isolation, but as part<span class=\"_ _0\"></span> of a<span class=\"_ _0\"></span>n ove<span class=\"_ _0\"></span>rall a<span class=\"_ _0\"></span>ssessme<span class=\"_ _0\"></span>nt of how<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> G<span class=\"ls6 ws1f\">roup\u2019s stated obj<span class=\"_ _1\"></span>ective for managing the finan<span class=\"_ _1\"></span>cial </span>ass<span class=\"_ _1\"></span>ets is ac<span class=\"_ _1\"></span>hieved<span class=\"_ _1\"></span> and h<span class=\"_ _1\"></span>ow cash fl<span class=\"_ _1\"></span>ows are r<span class=\"_ _1\"></span>ealised<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>Financia<span class=\"_ _0\"></span>l assets that ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d for tra<span class=\"_ _0\"></span>ding and tho<span class=\"_ _0\"></span>se that ar<span class=\"_ _0\"></span>e manag<span class=\"_ _0\"></span>ed and who<span class=\"_ _0\"></span>se perf<span class=\"_ _0\"></span>ormance is e<span class=\"_ _0\"></span>valuated<span class=\"_ _0\"></span> on a fair value b<span class=\"_ _1\"></span>asis will be measured at FVPL b<span class=\"_ _1\"></span>ecause they are neith<span class=\"_ _1\"></span>er held to collect con<span class=\"_ _1\"></span>tractual cash flows nor held<span class=\"_ _1\"></span> both to collect contractua<span class=\"_ _1\"></span>l cash flows and to sell financial as<span class=\"_ _1\"></span>sets. Securities h<span class=\"_ _1\"></span>eld for trading are hel<span class=\"_ _0\"></span>d princi<span class=\"_ _0\"></span>pally for<span class=\"_ _0\"></span> the purpose of<span class=\"_ _0\"></span> selling<span class=\"_ _0\"></span> in the near<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span> or are pa<span class=\"_ _0\"></span>rt of a portf<span class=\"_ _0\"></span>olio of<span class=\"_ _0\"></span> financi<span class=\"_ _0\"></span>al inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t are man<span class=\"_ _1\"></span>aged<span class=\"_ _1\"></span> togeth<span class=\"_ _1\"></span>er and<span class=\"_ _1\"></span> for wh<span class=\"_ _1\"></span>ich th<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e is evid<span class=\"_ _1\"></span>enc<span class=\"_ _1\"></span>e of a re<span class=\"_ _1\"></span>cent a<span class=\"_ _1\"></span>ct<span class=\"ls8 ws53\">ual pattern of shor<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span>term pro<span class=\"_ _1\"></span>fit<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">tak<span class=\"_ _1\"></span>ing.</span> </span>The Bank may als<span class=\"_ _1\"></span>o irrevocably design<span class=\"_ _1\"></span>ate financial ass<span class=\"_ _1\"></span>ets at fair value through profit or los<span class=\"_ _1\"></span>s if doing so significant<span class=\"_ _1\"></span>ly reduces or eli<span class=\"_ _1\"></span>minat<span class=\"_ _1\"></span>es a mismatch creat<span class=\"_ _1\"></span>ed by ass<span class=\"_ _1\"></span>ets and lia<span class=\"_ _1\"></span>bilities being meas<span class=\"_ _1\"></span>ured on di<span class=\"_ _1\"></span>fferent bases.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>(b)<span class=\"ff9 ls1 ws1\"> <span class=\"_ _88\"> </span><span class=\"ff5 lsb ws24\">Cash flows that repr<span class=\"_ _0\"></span>esent solely payment<span class=\"_ _0\"></span> of principal<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est (\u2018SPPI<span class=\"_ _0\"></span>\u2019)<span class=\"ls1 ws1\"> </span></span></span>In res<span class=\"_ _1\"></span>pect of a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s wher<span class=\"_ _1\"></span>e the<span class=\"_ _1\"></span> intent<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f the bu<span class=\"_ _1\"></span>sines<span class=\"_ _1\"></span>s mod<span class=\"_ _1\"></span>el is to<span class=\"_ _1\"></span> hold t<span class=\"_ _1\"></span>he fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s to co<span class=\"_ _1\"></span>llect th<span class=\"_ _1\"></span>e contractu<span class=\"_ _1\"></span>al cash flows<span class=\"_ _1\"></span> or to hold to col<span class=\"_ _1\"></span>lect and to sell, the Group<span class=\"_ _1\"></span> assesses wheth<span class=\"_ _1\"></span>er the financial inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s\u2019 cash<span class=\"_ _1\"></span> flows r<span class=\"_ _1\"></span>epresen<span class=\"_ _1\"></span>t solel<span class=\"_ _1\"></span>y paymen<span class=\"_ _1\"></span><span class=\"ls8 ws3c\">ts of <span class=\"_ _0\"></span>principa<span class=\"_ _0\"></span>l and int<span class=\"_ _0\"></span>erest<span class=\"_ _0\"></span> (the SP<span class=\"_ _0\"></span>PI t<span class=\"_ _0\"></span>est)<span class=\"_ _0\"></span>. In maki<span class=\"_ _0\"></span>ng thi<span class=\"_ _0\"></span>s </span>assessment<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup consider<span class=\"_ _0\"></span>s whethe<span class=\"_ _0\"></span>r the contr<span class=\"_ _0\"></span>actual cash fl<span class=\"_ _0\"></span>ows are consi<span class=\"_ _0\"></span>stent wi<span class=\"_ _0\"></span>th a basic lendi<span class=\"_ _0\"></span>ng agreement. \u2018Pri<span class=\"_ _1\"></span>ncipal\u2019 is t<span class=\"_ _1\"></span>he fair va<span class=\"_ _1\"></span>lue of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et at initial recogn<span class=\"_ _1\"></span>ition. It i<span class=\"ls9 ws6f\">s n<span class=\"_ _1\"></span>ot the amount that </span>is du<span class=\"_ _1\"></span>e und<span class=\"_ _1\"></span>er the co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual terms of a<span class=\"_ _1\"></span>n ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>t. \u2018In<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span>\u2019 is the co<span class=\"_ _1\"></span>mpens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> for time v<span class=\"_ _1\"></span>alue o<span class=\"_ _1\"></span>f money<span class=\"_ _1\"></span> and credit r<span class=\"_ _1\"></span>isk of a basic lend<span class=\"_ _1\"></span>ing<span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">type re<span class=\"_ _0\"></span>turn. A basic<span class=\"_ _0\"></span> lending<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">type re<span class=\"_ _0\"></span>turn coul<span class=\"_ _0\"></span>d also incl<span class=\"_ _0\"></span>ude c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion </span></span></span></span>for other basic<span class=\"_ _0\"></span> l<span class=\"ls6 ws1d\">ending risks (for example, liqu<span class=\"_ _1\"></span>idity risk) and consi<span class=\"_ _1\"></span>deration for cos<span class=\"_ _1\"></span>ts associated with ho<span class=\"_ _1\"></span>lding </span>the financia<span class=\"_ _1\"></span>l asset for a parti<span class=\"_ _1\"></span>cular period of time (for examp<span class=\"_ _1\"></span>le, servicing or<span class=\"_ _1\"></span> administra<span class=\"_ _1\"></span>tive costs) and/or a profit margin t<span class=\"_ _1\"></span>hat is con<span class=\"_ _1\"></span>sistent with a b<span class=\"_ _1\"></span>asic lendi<span class=\"ls8 ws11\">ng arrangem<span class=\"_ _0\"></span>ent. Whe<span class=\"_ _0\"></span>re the cont<span class=\"_ _0\"></span>ractual ter<span class=\"_ _0\"></span>ms introduc<span class=\"_ _0\"></span>e </span>exposure to<span class=\"_ _1\"></span> risk or vo<span class=\"_ _1\"></span>latility that ar<span class=\"_ _1\"></span>e inconsis<span class=\"_ _1\"></span>tent with a basic len<span class=\"_ _1\"></span>ding arrangem<span class=\"_ _1\"></span>ent, the related<span class=\"_ _1\"></span> financial<span class=\"_ _1\"></span> asset is classifi<span class=\"_ _0\"></span>ed and measured at fai<span class=\"_ _0\"></span>r value through profit <span class=\"_ _0\"></span>or loss.<span class=\"ls1\"> </span>Unlike<span class=\"_ _0\"></span> the busine<span class=\"_ _0\"></span>ss model a<span class=\"_ _0\"></span>ssessment,<span class=\"_ _0\"></span> the SPP<span class=\"_ _0\"></span>I assessme<span class=\"_ _0\"></span>nt is perf<span class=\"_ _0\"></span>orme<span class=\"_ _0\"></span>d for eac<span class=\"_ _0\"></span>h individual product<span class=\"_ _0\"></span> or portfoli<span class=\"_ _0\"></span>o of produc<span class=\"_ _0\"></span>ts. The<span class=\"_ _0\"></span> followi<span class=\"_ _0\"></span>ng conside<span class=\"_ _0\"></span>rations ar<span class=\"_ _0\"></span>e made<span class=\"_ _0\"></span> when asse<span class=\"_ _0\"></span>ssing consist<span class=\"_ _0\"></span>ency <span class=\"_ _0\"></span>with SP<span class=\"_ _0\"></span>PI:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls8 ws11\">contingent e<span class=\"_ _0\"></span>vents that w<span class=\"_ _0\"></span>ould<span class=\"_ _0\"></span> change t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> and timing<span class=\"_ _0\"></span> of cash f<span class=\"_ _0\"></span>lows suc<span class=\"_ _0\"></span>h as contr<span class=\"_ _11\"></span>actual term </span></span>resett<span class=\"_ _1\"></span>ing in<span class=\"_ _1\"></span>terest t<span class=\"_ _1\"></span>o a hig<span class=\"_ _1\"></span>her amou<span class=\"_ _1\"></span>nt in<span class=\"_ _1\"></span> the even<span class=\"_ _1\"></span>t of a mis<span class=\"_ _1\"></span>sed p<span class=\"_ _1\"></span>aymen<span class=\"_ _1\"></span>t;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls6 ws55\">leverage <span class=\"_ _1\"></span>features, being co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual cash flow ch<span class=\"_ _1\"></span>aracteris<span class=\"_ _1\"></span>tics that i<span class=\"_ _1\"></span>ncrease the var<span class=\"_ _1\"></span>iability of th<span class=\"_ _1\"></span>e </span></span>contractu<span class=\"_ _1\"></span>al cash flows<span class=\"_ _1\"></span> with the result t<span class=\"_ _1\"></span>hat they d<span class=\"_ _1\"></span>o not have economic char<span class=\"_ _1\"></span>acteristics<span class=\"_ _1\"></span> of interest;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls8 wsa\">contractual t<span class=\"_ _0\"></span>erms tha<span class=\"_ _0\"></span>t allow<span class=\"_ _0\"></span> the issuer<span class=\"_ _0\"></span> to prepay (<span class=\"_ _0\"></span>or the hol<span class=\"_ _11\"></span>der to put a debt instr<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>nt back to the<span class=\"_ _0\"></span> </span></span>issuer) be<span class=\"_ _0\"></span>fore m<span class=\"_ _0\"></span>aturity and the<span class=\"_ _0\"></span> prepaym<span class=\"_ _0\"></span>ent amount subs<span class=\"_ _0\"></span>tantiall<span class=\"_ _0\"></span>y repre<span class=\"_ _0\"></span>sents unpaid am<span class=\"_ _0\"></span>ounts of principal<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est, whi<span class=\"_ _0\"></span>ch may inc<span class=\"_ _0\"></span>lude r<span class=\"_ _0\"></span>easonable<span class=\"_ _0\"></span> compe<span class=\"_ _0\"></span>nsa<span class=\"ls5 ws68\">tion fo<span class=\"_ _1\"></span>r early<span class=\"_ _1\"></span> termin<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the </span>contract;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls5 ws16\">con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al terms<span class=\"_ _1\"></span> tha<span class=\"_ _1\"></span>t allow th<span class=\"_ _1\"></span>e issu<span class=\"_ _1\"></span>er or hold<span class=\"_ _1\"></span>er to extend<span class=\"_ _1\"></span> the cont<span class=\"_ _1\"></span>ractu<span class=\"_ _1\"></span>al term a<span class=\"_ _1\"></span>nd the terms<span class=\"_ _1\"></span> of the </span></span>extensi<span class=\"_ _0\"></span>on option re<span class=\"_ _0\"></span>sult in cont<span class=\"_ _0\"></span>ractual c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s during the<span class=\"_ _0\"></span> extension pe<span class=\"_ _0\"></span>riod that<span class=\"_ _0\"></span> are sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of princ<span class=\"_ _0\"></span>ipal and inte<span class=\"_ _0\"></span>rest, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h may inc<span class=\"_ _0\"></span>lude re<span class=\"_ _0\"></span>ason<span class=\"ls5 ws81\">able comp<span class=\"_ _1\"></span>ensa<span class=\"_ _1\"></span>tion fo<span class=\"_ _1\"></span>r the ext<span class=\"_ _1\"></span>ensio<span class=\"_ _1\"></span>n of th<span class=\"_ _1\"></span>e </span>contract; and<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls5 ws92\">featu<span class=\"_ _1\"></span>res th<span class=\"_ _1\"></span>at mod<span class=\"_ _1\"></span>ify c<span class=\"_ _1\"></span>onsid<span class=\"_ _1\"></span>eratio<span class=\"_ _1\"></span>n for t<span class=\"_ _1\"></span>he tim<span class=\"_ _1\"></span>e value o<span class=\"_ _1\"></span>f mo<span class=\"_ _1\"></span>ney (fo<span class=\"_ _1\"></span>r examp<span class=\"_ _1\"></span>le, p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>ic res<span class=\"_ _1\"></span>et of int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t </span></span>rates<span class=\"_ _1\"></span>).<span class=\"_ _bc\"> </span>Finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets wit<span class=\"_ _1\"></span>h embed<span class=\"_ _1\"></span>ded der<span class=\"_ _1\"></span>ivati<span class=\"_ _1\"></span>ves ar<span class=\"_ _1\"></span>e consider<span class=\"_ _1\"></span>ed in thei<span class=\"_ _1\"></span>r entiret<span class=\"_ _1\"></span>y when<span class=\"_ _1\"></span> determin<span class=\"_ _1\"></span>ing whet<span class=\"_ _1\"></span>her their c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s are sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of pri<span class=\"_ _0\"></span>ncipal and i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st.<span class=\"ls1 ws1\"> </span>1.4.2.2 Equ<span class=\"_ _1\"></span>ity instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span>Equ<span class=\"_ _1\"></span>ity ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>s are ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t meet the d<span class=\"_ _1\"></span>efiniti<span class=\"_ _1\"></span>on of eq<span class=\"_ _1\"></span>uity fro<span class=\"_ _1\"></span>m the issu<span class=\"_ _1\"></span>er's pers<span class=\"_ _1\"></span>pectiv<span class=\"_ _1\"></span>e, tha<span class=\"_ _1\"></span>t is, instr<span class=\"_ _0\"></span>uments tha<span class=\"_ _0\"></span>t do not<span class=\"_ _0\"></span> contai<span class=\"_ _0\"></span>n a contrac<span class=\"_ _0\"></span>tual o<span class=\"_ _0\"></span>bligati<span class=\"_ _0\"></span>on to pay a<span class=\"_ _0\"></span>nd tha<span class=\"_ _0\"></span>t evide<span class=\"_ _0\"></span>nce a re<span class=\"_ _0\"></span>sidual inte<span class=\"_ _0\"></span>rest i<span class=\"_ _11\"></span>n the is<span class=\"_ _1\"></span>suer's<span class=\"_ _1\"></span> net as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>. Exampl<span class=\"_ _1\"></span>es of equ<span class=\"_ _1\"></span>i<span class=\"ls8 wsa\">ty instrume<span class=\"_ _0\"></span>nts inclu<span class=\"_ _0\"></span>de basic<span class=\"_ _0\"></span> ordinary <span class=\"_ _0\"></span>shares.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>The G<span class=\"_ _0\"></span>roup subsequent<span class=\"_ _0\"></span>ly mea<span class=\"_ _0\"></span>sures all e<span class=\"_ _0\"></span>quity<span class=\"_ _0\"></span> investm<span class=\"_ _0\"></span>ents at<span class=\"_ _0\"></span> fair val<span class=\"_ _0\"></span>ue throug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it or l<span class=\"_ _0\"></span>oss, exc<span class=\"_ _0\"></span>ept w<span class=\"_ _0\"></span>here the Gro<span class=\"_ _1\"></span>up's ma<span class=\"_ _1\"></span>nagemen<span class=\"_ _1\"></span>t has<span class=\"_ _1\"></span> elected,<span class=\"_ _1\"></span> at ini<span class=\"_ _1\"></span>tial reco<span class=\"_ _1\"></span>gnitio<span class=\"_ _1\"></span>n, to ir<span class=\"_ _1\"></span>revoca<span class=\"_ _1\"></span>bly des<span class=\"_ _1\"></span>igna<span class=\"_ _1\"></span>te an equity<span class=\"_ _1\"></span> inves<span class=\"_ _1\"></span>tment at fair<span class=\"_ _0\"></span> value throug<span class=\"_ _0\"></span>h other c<span class=\"_ _0\"></span>ompre<span class=\"_ _0\"></span>hensive i<span class=\"_ _0\"></span>ncome. The<span class=\"_ _0\"></span> Group's poli<span class=\"_ _0\"></span>cy is to desi<span class=\"_ _0\"></span>gnate e<span class=\"_ _0\"></span>quity inve<span class=\"_ _0\"></span>stments as FVO<span class=\"_ _1\"></span>CI when t<span class=\"_ _1\"></span>hose i<span class=\"_ _1\"></span>nvest<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> are held<span class=\"_ _1\"></span> for pu<span class=\"_ _1\"></span>rposes o<span class=\"_ _1\"></span>ther tha<span class=\"_ _1\"></span>n to gen<span class=\"_ _1\"></span>erate in<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>ment retu<span class=\"_ _1\"></span>rns.<span class=\"_ _1\"></span> When this election<span class=\"_ _1\"></span> is used, fair va<span class=\"_ _1\"></span>lue gains and losses a<span class=\"_ _1\"></span>re recognised in OCI and<span class=\"_ _1\"></span> are not subsequently recla<span class=\"_ _1\"></span>ssified to profit or<span class=\"_ _1\"></span> loss, includ<span class=\"_ _1\"></span>ing on dispo<span class=\"_ _1\"></span>sal. <span class=\"ls1 ws1\"> </span>Impair<span class=\"_ _1\"></span>ment los<span class=\"_ _1\"></span>ses (<span class=\"_ _1\"></span>and rev<span class=\"_ _1\"></span>ersa<span class=\"_ _1\"></span>l of impai<span class=\"_ _1\"></span>rment lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span>) are not r<span class=\"_ _1\"></span>eported<span class=\"_ _1\"></span> sepa<span class=\"_ _1\"></span>rately fr<span class=\"_ _1\"></span>om oth<span class=\"_ _1\"></span>er chan<span class=\"_ _1\"></span>ges in fair val<span class=\"_ _0\"></span>ue. Di<span class=\"_ _0\"></span>vidends, whe<span class=\"_ _0\"></span>n representing<span class=\"_ _0\"></span> a retur<span class=\"_ _0\"></span>n on such investme<span class=\"_ _0\"></span>nts, continue<span class=\"_ _0\"></span> to be recogni<span class=\"_ _0\"></span>sed in prof<span class=\"_ _0\"></span>it or loss as di<span class=\"_ _0\"></span>vidend inc<span class=\"_ _0\"></span>ome w<span class=\"_ _0\"></span>hen the<span class=\"_ _0\"></span> Group'<span class=\"_ _0\"></span>s r<span class=\"ls5 ws6\">ight t<span class=\"_ _1\"></span>o receiv<span class=\"_ _1\"></span>e pay<span class=\"_ _1\"></span>ment is<span class=\"_ _1\"></span> estab<span class=\"_ _1\"></span>lished<span class=\"_ _1\"></span>. </span><span class=\"ls5 ws6\"><span class=\"ls1 ws1\"> </span></span>1.4.3   Impairmen<span class=\"_ _1\"></span>t of financial<span class=\"_ _1\"></span> assets<span class=\"ls1 ws1\"> </span> <span class=\"_ _24\"> </span><span class=\"ls5 ws2a\">The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> asses<span class=\"_ _1\"></span>ses o<span class=\"_ _1\"></span>n a for<span class=\"_ _1\"></span>ward</span>-<span class=\"ls6 ws23\">lookin<span class=\"_ _1\"></span>g basis<span class=\"_ _1\"></span> the expected cred<span class=\"_ _1\"></span>it losses (\u2018<span class=\"_ _1\"></span>ECLs\u2019) as<span class=\"_ _1\"></span>sociated with its d<span class=\"_ _1\"></span>ebt </span>instrume<span class=\"_ _0\"></span>nts carri<span class=\"_ _0\"></span>ed at am<span class=\"_ _0\"></span>ortised cost and F<span class=\"_ _0\"></span>VOCI a<span class=\"_ _0\"></span>nd with the<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> arising<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> loan commi<span class=\"_ _0\"></span>tments and financi<span class=\"_ _0\"></span>al guara<span class=\"_ _0\"></span>ntee c<span class=\"_ _0\"></span>ontracts. The<span class=\"_ _0\"></span> Group r<span class=\"_ _0\"></span>ec<span class=\"ls7 ws26\">ognises a loss allowance for<span class=\"_ _0\"></span> such losses at each reporting </span>date.<span class=\"_ _1\"></span> The meas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ent of E<span class=\"_ _1\"></span>CLs reflec<span class=\"_ _1\"></span>ts:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws56\">an unbiased a<span class=\"_ _0\"></span>nd proba<span class=\"_ _0\"></span>bility<span class=\"ls1 ws1\">-</span>w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted amount that i<span class=\"_ _0\"></span>s dete<span class=\"_ _0\"></span>rmi<span class=\"_ _0\"></span>ned by evalua<span class=\"_ _0\"></span>ting a rang<span class=\"_ _0\"></span>e of po<span class=\"_ _0\"></span>ssible<span class=\"_ _0\"></span> </span></span>outc<span class=\"_ _1\"></span>omes; <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">the ti<span class=\"_ _1\"></span>me value o<span class=\"_ _1\"></span>f mon<span class=\"_ _1\"></span>ey; and<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reasonable<span class=\"_ _0\"></span> and suppor<span class=\"_ _0\"></span>table inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion that is avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout undue<span class=\"_ _0\"></span> cost or e<span class=\"_ _0\"></span>ffor<span class=\"_ _0\"></span>t at the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> </span></span>date about pa<span class=\"_ _0\"></span>st eve<span class=\"_ _0\"></span>nts, curre<span class=\"_ _11\"></span>nt conditions and fo<span class=\"_ _0\"></span>recasts of<span class=\"_ _11\"></span> future econo<span class=\"_ _0\"></span>mic condit<span class=\"_ _0\"></span>ions. <span class=\"ls1 ws1\"> </span>Note 2<span class=\"_ _1\"></span>.3.4 pro<span class=\"_ _1\"></span>vides<span class=\"_ _1\"></span> more det<span class=\"_ _1\"></span>ail o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Expec<span class=\"_ _1\"></span>ted Cr<span class=\"_ _1\"></span>edit Lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e is meas<span class=\"_ _1\"></span>ured. Expec<span class=\"_ _1\"></span>ted Credi<span class=\"_ _1\"></span>t Los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es are p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e stat<span class=\"_ _1\"></span>ement of fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al pos<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as fol<span class=\"_ _1\"></span>lows:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls7 ws57\">financial assets me<span class=\"_ _0\"></span>asured at amortised cost:<span class=\"_ _0\"></span> as a deduction from the<span class=\"_ _0\"></span> gross carrying amount of the </span></span>assets;<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">loan commit<span class=\"_ _1\"></span>ments and<span class=\"_ _1\"></span> financial guar<span class=\"_ _1\"></span>antee contracts<span class=\"_ _1\"></span>: generally,<span class=\"_ _1\"></span> as a provis<span class=\"_ _1\"></span>ion;</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws11\">financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ent wi<span class=\"_ _0\"></span>th both a draw<span class=\"_ _0\"></span>n and undrawn c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span>, wher<span class=\"_ _0\"></span>eby the G<span class=\"_ _0\"></span>roup cannot ide<span class=\"_ _0\"></span>ntify<span class=\"_ _0\"></span> </span></span>the ECL on t<span class=\"_ _0\"></span>he loan<span class=\"_ _0\"></span> comm<span class=\"_ _0\"></span>itment c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span> separate<span class=\"_ _0\"></span>ly from<span class=\"_ _0\"></span> that on t<span class=\"_ _0\"></span>he draw<span class=\"_ _0\"></span>n compo<span class=\"_ _0\"></span>nent: the<span class=\"_ _0\"></span> Group<span class=\"_ _0\"></span> presents a c<span class=\"_ _0\"></span>ombine<span class=\"_ _0\"></span>d loss all<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span> both compone<span class=\"_ _0\"></span>nts, as a ded<span class=\"ls6 ws10\">uction from the gross<span class=\"_ _1\"></span> carrying </span>amount of<span class=\"_ _0\"></span> the draw<span class=\"_ _0\"></span>n compone<span class=\"_ _0\"></span>nt; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws83\">debt i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>uments mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at FVOCI<span class=\"_ _1\"></span>: no los<span class=\"_ _1\"></span>s allowa<span class=\"_ _1\"></span>nce is r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e statemen<span class=\"_ _1\"></span>t of fin<span class=\"_ _1\"></span>ancial </span></span>position aga<span class=\"_ _0\"></span>inst the ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ount of the<span class=\"_ _0\"></span> asset because<span class=\"_ _0\"></span> the carryi<span class=\"_ _0\"></span>ng amount of t<span class=\"_ _0\"></span>hese assets is their<span class=\"_ _11\"></span> fair value. Instead, a<span class=\"_ _0\"></span>n amount e<span class=\"_ _0\"></span>qual to the allowance<span class=\"_ _0\"></span> t<span class=\"ls5 ws3b\">hat would<span class=\"_ _1\"></span> aris<span class=\"_ _1\"></span>e if the as<span class=\"_ _1\"></span>sets were<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red at </span>amorti<span class=\"_ _1\"></span>sed co<span class=\"_ _1\"></span>st is reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> in oth<span class=\"_ _1\"></span>er compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income a<span class=\"_ _1\"></span>s an acc<span class=\"_ _1\"></span>umulat<span class=\"_ _1\"></span>ed impa<span class=\"_ _1\"></span>irment a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>, with a corresp<span class=\"_ _1\"></span>onding ch<span class=\"_ _1\"></span>arge to profit or lo<span class=\"_ _1\"></span>ss. <span class=\"ls1 ws1\"> </span>1.4.4   Modificatio<span class=\"_ _1\"></span>n of loans<span class=\"_ _1\"></span> and adv<span class=\"_ _1\"></span>ances to custo<span class=\"_ _1\"></span>mers<span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>ontractual<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span>s of a loan may be<span class=\"_ _0\"></span> modif<span class=\"_ _0\"></span>ied f<span class=\"_ _0\"></span>or a numbe<span class=\"_ _0\"></span>r of re<span class=\"_ _0\"></span>asons, includi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>hanging m<span class=\"_ _0\"></span>arket conditions, customer re<span class=\"_ _0\"></span>tention and other factor<span class=\"_ _0\"></span>s not related to a curre<span class=\"_ _0\"></span>nt or potential credit dete<span class=\"_ _0\"></span>rioration of the c<span class=\"_ _1\"></span>usto<span class=\"_ _1\"></span>mer. <span class=\"ls1 ws1\"> </span>The Gro<span class=\"_ _1\"></span>up ren<span class=\"_ _1\"></span>egotia<span class=\"_ _1\"></span>tes loa<span class=\"_ _1\"></span>ns<span class=\"_ _1\"></span> and a<span class=\"_ _1\"></span>dvanc<span class=\"_ _1\"></span>es to cu<span class=\"_ _1\"></span>stomers<span class=\"_ _1\"></span> in fina<span class=\"_ _1\"></span>ncial d<span class=\"_ _1\"></span>ifficu<span class=\"_ _1\"></span>lti<span class=\"_ _1\"></span>es (refer<span class=\"_ _1\"></span>red to a<span class=\"_ _1\"></span>s \u2018forbearan<span class=\"_ _1\"></span>ce activities<span class=\"_ _1\"></span>\u2019) to maximis<span class=\"_ _1\"></span>e collection o<span class=\"_ _1\"></span>pportun<span class=\"_ _1\"></span>ities an<span class=\"_ _1\"></span>d minimise t<span class=\"_ _1\"></span>he risk of<span class=\"_ _1\"></span> default. Under<span class=\"_ _1\"></span> the Group\u2019s forbearance<span class=\"_ _0\"></span> policy, loan forbear<span class=\"_ _0\"></span>ance is gran<span class=\"ls6 ws39\">ted on a selective basis<span class=\"_ _1\"></span> if the debtor is cu<span class=\"_ _1\"></span>rrently in </span>default<span class=\"_ _0\"></span> on its de<span class=\"_ _0\"></span>bt or<span class=\"_ _0\"></span> if the<span class=\"_ _0\"></span>re is a<span class=\"_ _0\"></span> high ri<span class=\"_ _0\"></span>sk of<span class=\"_ _0\"></span> defaul<span class=\"_ _0\"></span>t, the<span class=\"_ _0\"></span>re is e<span class=\"_ _0\"></span>vidence<span class=\"_ _0\"></span> that <span class=\"_ _0\"></span>the debt<span class=\"_ _0\"></span>or ma<span class=\"_ _0\"></span>de all<span class=\"_ _0\"></span> reasonable<span class=\"_ _11\"></span> eff<span class=\"_ _0\"></span>orts to pay under<span class=\"_ _0\"></span> the ori<span class=\"_ _0\"></span>gina<span class=\"_ _0\"></span>l contrac<span class=\"_ _0\"></span>tual te<span class=\"_ _0\"></span>rms, and t<span class=\"_ _0\"></span>he debt<span class=\"_ _0\"></span>or is expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d to be ab<span class=\"ls5 ws41\">le to meet the<span class=\"_ _1\"></span> </span>revis<span class=\"_ _1\"></span>ed terms<span class=\"_ _1\"></span>. The rev<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> terms us<span class=\"_ _1\"></span>uall<span class=\"_ _1\"></span>y inclu<span class=\"_ _1\"></span>de exten<span class=\"_ _1\"></span>ding t<span class=\"_ _1\"></span>he matu<span class=\"_ _1\"></span>rity,<span class=\"_ _1\"></span> revis<span class=\"_ _1\"></span>ion of in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rate an<span class=\"_ _1\"></span>d changing<span class=\"_ _0\"></span> the tim<span class=\"_ _0\"></span>ing of i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st payme<span class=\"_ _0\"></span>nts. Both<span class=\"_ _0\"></span> personal<span class=\"_ _0\"></span> and c<span class=\"_ _0\"></span>orporate<span class=\"_ _0\"></span> &amp; c<span class=\"_ _0\"></span>omme<span class=\"_ _0\"></span>rcial loans ar<span class=\"_ _0\"></span>e subj<span class=\"_ _0\"></span>ect to<span class=\"_ _0\"></span> the for<span class=\"_ _0\"></span>bearanc<span class=\"_ _0\"></span>e polic<span class=\"_ _0\"></span>y.<span class=\"ls1 ws1\"> </span>When modi<span class=\"_ _0\"></span>fication happe<span class=\"_ _0\"></span>ns, the G<span class=\"_ _0\"></span>roup assesses w<span class=\"_ _0\"></span>hethe<span class=\"_ _0\"></span>r or not the ne<span class=\"_ _0\"></span>w terms are<span class=\"_ _0\"></span> substantially di<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>rent to the ori<span class=\"_ _0\"></span>ginal te<span class=\"_ _0\"></span>rms. T<span class=\"_ _0\"></span>he Group does thi<span class=\"_ _0\"></span>s by con<span class=\"_ _0\"></span>sideri<span class=\"_ _0\"></span>ng, am<span class=\"_ _0\"></span>ong othe<span class=\"_ _0\"></span>rs, the f<span class=\"_ _0\"></span>ollow<span class=\"_ _0\"></span>ing factor<span class=\"_ _0\"></span>s:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws3b\">If the b<span class=\"_ _1\"></span>orrower<span class=\"_ _1\"></span> is in fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al d<span class=\"_ _1\"></span>ifficulty<span class=\"_ _1\"></span>, wheth<span class=\"_ _1\"></span>er the <span class=\"_ _1\"></span>modifi<span class=\"_ _1\"></span>cati<span class=\"_ _1\"></span>on merely<span class=\"_ _1\"></span> redu<span class=\"_ _1\"></span>ces th<span class=\"_ _1\"></span>e con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al cash </span></span>flows t<span class=\"_ _1\"></span>o amou<span class=\"_ _1\"></span>nts t<span class=\"_ _1\"></span>he bor<span class=\"_ _1\"></span>rower is ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> to be ab<span class=\"_ _1\"></span>le to p<span class=\"_ _1\"></span>ay.<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">Whether<span class=\"_ _0\"></span> any substanti<span class=\"_ _0\"></span>al new<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span>s are intr<span class=\"_ _0\"></span>oduced.<span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Significant ext<span class=\"_ _1\"></span>ension o<span class=\"_ _1\"></span>f the loan term when th<span class=\"_ _1\"></span>e borrower is<span class=\"_ _1\"></span> not in fina<span class=\"_ _1\"></span>ncial difficulty.</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Significant ch<span class=\"_ _1\"></span>ange in the int<span class=\"_ _1\"></span>erest rate. </span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws61\">Insertion<span class=\"_ _1\"></span> of collateral, ot<span class=\"_ _1\"></span>her security o<span class=\"_ _1\"></span>r credit enhanceme<span class=\"_ _1\"></span>nts tha<span class=\"_ _1\"></span>t significantly affect th<span class=\"_ _1\"></span>e credit risk </span></span>associated with the loan.<span class=\"_ _0\"></span><span class=\"ls1\"> </span>If the t<span class=\"_ _1\"></span>erms a<span class=\"_ _1\"></span>re sub<span class=\"_ _1\"></span>stan<span class=\"_ _1\"></span>tiall<span class=\"_ _1\"></span>y differen<span class=\"_ _1\"></span>t, th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> dereco<span class=\"_ _1\"></span>gni<span class=\"_ _1\"></span>ses th<span class=\"_ _1\"></span>e origin<span class=\"_ _1\"></span>al fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> asset an<span class=\"_ _1\"></span>d recog<span class=\"_ _1\"></span>nises<span class=\"_ _1\"></span> a 'new' as<span class=\"_ _1\"></span>set a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue, and r<span class=\"_ _1\"></span>ecalcula<span class=\"_ _1\"></span>tes a n<span class=\"_ _1\"></span>ew effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te for th<span class=\"_ _1\"></span>e asset. Th<span class=\"_ _1\"></span>e date o<span class=\"_ _1\"></span>f reneg<span class=\"_ _0\"></span>otiation i<span class=\"_ _0\"></span>s conseque<span class=\"_ _0\"></span>ntly c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d to <span class=\"ls5 ws1e\">be the dat<span class=\"_ _1\"></span>e of initial<span class=\"_ _1\"></span> recogni<span class=\"_ _1\"></span>tion fo<span class=\"_ _1\"></span>r expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses </span>calculation<span class=\"_ _1\"></span> purpos<span class=\"_ _1\"></span>es, including for the p<span class=\"_ _1\"></span>urpose of det<span class=\"_ _1\"></span>ermining whether a sign<span class=\"_ _1\"></span>ificant incre<span class=\"_ _1\"></span>ase in credit ris<span class=\"_ _1\"></span>k has<span class=\"_ _1\"></span> occurr<span class=\"_ _1\"></span>ed. Howev<span class=\"_ _1\"></span>er, th<span class=\"_ _1\"></span>e Grou<span class=\"_ _1\"></span>p als<span class=\"_ _1\"></span>o asses<span class=\"_ _1\"></span>ses wh<span class=\"_ _1\"></span>ether th<span class=\"_ _1\"></span>e new fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ass<span class=\"_ _1\"></span>et recog<span class=\"_ _1\"></span>nis<span class=\"_ _1\"></span>ed is d<span class=\"_ _1\"></span>eemed t<span class=\"_ _1\"></span>o be cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">impair<span class=\"_ _1\"></span>ed at initia<span class=\"_ _1\"></span>l recognitio<span class=\"_ _1\"></span>n, especially<span class=\"_ _1\"></span> in circum<span class=\"_ _1\"></span>stances<span class=\"_ _1\"></span> where the renegotia<span class=\"_ _1\"></span>tion was<span class=\"_ _1\"></span> driven by<span class=\"_ _1\"></span> </span></span>the debto<span class=\"_ _0\"></span>r being una<span class=\"_ _0\"></span>ble to m<span class=\"_ _0\"></span>ake the<span class=\"_ _0\"></span> origi<span class=\"_ _0\"></span>nally agr<span class=\"_ _0\"></span>eed payme<span class=\"_ _0\"></span>nts. Diffe<span class=\"_ _0\"></span>rences i<span class=\"_ _0\"></span>n the carrying<span class=\"_ _0\"></span> amount ar<span class=\"_ _0\"></span>e also recogn<span class=\"_ _1\"></span>ised in profit<span class=\"_ _1\"></span> <span class=\"ls7 ws1\">or loss as a gain<span class=\"_ _0\"></span> or loss on dere<span class=\"_ _0\"></span>cognition.<span class=\"ls1\"> </span></span>If the t<span class=\"_ _1\"></span>erms are n<span class=\"_ _1\"></span>ot sub<span class=\"_ _1\"></span>stantial<span class=\"_ _1\"></span>ly differ<span class=\"_ _1\"></span>ent, th<span class=\"_ _1\"></span>e reneg<span class=\"_ _1\"></span>otiat<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>r modific<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> does no<span class=\"_ _1\"></span>t resu<span class=\"_ _1\"></span>lt in derec<span class=\"_ _0\"></span>ognitio<span class=\"_ _0\"></span>n, and the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>es the gr<span class=\"_ _0\"></span>oss carryi<span class=\"_ _0\"></span>ng amount base<span class=\"_ _0\"></span>d on the re<span class=\"_ _0\"></span>vise<span class=\"_ _0\"></span>d cash fl<span class=\"_ _0\"></span>ows of the financia<span class=\"_ _1\"></span>l asset and<span class=\"_ _1\"></span> recogni<span class=\"_ _1\"></span>ses a mod<span class=\"_ _1\"></span>ification ga<span class=\"_ _1\"></span>in<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls7 ws11f\">or loss in profit or loss. The new gross carrying amount </span></span>is recalculat<span class=\"_ _1\"></span>ed by disco<span class=\"_ _1\"></span>unting the modified ca<span class=\"_ _1\"></span>sh flows<span class=\"_ _1\"></span> at the origina<span class=\"_ _1\"></span>l effective inter<span class=\"_ _1\"></span>est rate (or credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>adju<span class=\"_ _1\"></span>sted<span class=\"_ _1\"></span> effective<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e for p<span class=\"_ _1\"></span>urcha<span class=\"_ _1\"></span>sed or<span class=\"_ _1\"></span> origin<span class=\"_ _1\"></span>ated <span class=\"_ _1\"></span>credit<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">i<span class=\"_ _1\"></span>mpaired fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>et</span></span>s). Th<span class=\"_ _1\"></span>e impa<span class=\"_ _1\"></span>ct of modifications<span class=\"_ _1\"></span> of financial a<span class=\"_ _1\"></span>ssets on<span class=\"_ _1\"></span> the Expected Credit<span class=\"_ _1\"></span> Loss calculat<span class=\"_ _1\"></span>ion is dis<span class=\"_ _1\"></span>cussed in no<span class=\"_ _1\"></span>te<span class=\"ls1 ws1\"> </span><span class=\"ws8\">2.3.9.<span class=\"ls1 ws1\"> </span></span>1.4.5 <span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span></span><span class=\"ws7\">Dere<span class=\"_ _1\"></span>cognition of fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets (other th<span class=\"_ _1\"></span>an on a mod<span class=\"_ _1\"></span>ification)<span class=\"ls1 ws1\"> </span></span>Financial a<span class=\"_ _1\"></span>ssets, or a portio<span class=\"_ _1\"></span>n thereof, are derecognised<span class=\"_ _1\"></span> when the contra<span class=\"_ _1\"></span>ctual rights to receive the cash<span class=\"_ _1\"></span> flows fr<span class=\"_ _1\"></span>om th<span class=\"_ _1\"></span>e as<span class=\"_ _1\"></span>sets h<span class=\"_ _1\"></span>ave ex<span class=\"_ _1\"></span>pired<span class=\"_ _1\"></span>, or wh<span class=\"_ _1\"></span>en th<span class=\"_ _1\"></span>ey hav<span class=\"_ _1\"></span>e been<span class=\"_ _1\"></span> tran<span class=\"_ _1\"></span>sferred<span class=\"_ _1\"></span> and eit<span class=\"_ _1\"></span>her (<span class=\"_ _1\"></span>i) th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> trans<span class=\"_ _1\"></span>fers<span class=\"_ _1\"></span> substantial<span class=\"_ _0\"></span>ly all the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>wards of<span class=\"_ _0\"></span> owner<span class=\"_ _0\"></span>ship, or (i<span class=\"_ _0\"></span>i) the<span class=\"_ _0\"></span> Group nei<span class=\"_ _0\"></span>ther tr<span class=\"_ _0\"></span>ansfer<span class=\"_ _0\"></span>s nor retai<span class=\"_ _0\"></span>ns substantial<span class=\"_ _0\"></span>ly all the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>wards of<span class=\"_ _0\"></span> owner<span class=\"_ _0\"></span>ship and the G<span class=\"_ _0\"></span>roup has not re<span class=\"_ _0\"></span>tained c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>1.4A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _8a\"> </span></span><span class=\"ls5 ws6\">Tra<span class=\"_ _1\"></span>de and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> receivab<span class=\"_ _1\"></span>les<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Trade rec<span class=\"_ _1\"></span>eiva<span class=\"_ _1\"></span>bles a<span class=\"_ _1\"></span>re amoun<span class=\"_ _1\"></span>ts d<span class=\"_ _1\"></span>ue from cu<span class=\"_ _1\"></span>stomers<span class=\"_ _1\"></span> for merch<span class=\"_ _1\"></span>and<span class=\"_ _1\"></span>ise so<span class=\"_ _1\"></span>ld or serv<span class=\"_ _1\"></span>ices perfo<span class=\"_ _1\"></span>rmed in<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> ordinary co<span class=\"_ _0\"></span>urse of busi<span class=\"_ _11\"></span>ness. If coll<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>on is expect<span class=\"_ _0\"></span>ed in one year<span class=\"_ _0\"></span> or less (<span class=\"_ _0\"></span>or in the<span class=\"_ _0\"></span> normal ope<span class=\"_ _0\"></span>rating<span class=\"_ _0\"></span> cycle<span class=\"_ _0\"></span> of the b<span class=\"_ _1\"></span>usin<span class=\"_ _1\"></span>ess i<span class=\"_ _1\"></span>f longer),<span class=\"_ _1\"></span> they a<span class=\"_ _1\"></span>re clas<span class=\"_ _1\"></span>sified <span class=\"ls8 ws17\">as current asset<span class=\"_ _0\"></span>s. If not, the<span class=\"_ _0\"></span>y are pr<span class=\"_ _0\"></span>esented as non<span class=\"ls1 ws1\">-<span class=\"lsa ws24\">curre<span class=\"_ _0\"></span>nt </span></span></span>assets.<span class=\"_ _0\"></span> Trade<span class=\"_ _0\"></span> and other rec<span class=\"_ _0\"></span>eivable<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>ognised init<span class=\"_ _0\"></span>ially at f<span class=\"_ _0\"></span>air value and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amort<span class=\"_ _0\"></span>ised cost<span class=\"_ _1\"></span> usin<span class=\"_ _1\"></span>g the ef<span class=\"_ _1\"></span>fective<span class=\"_ _1\"></span> inter<span class=\"_ _1\"></span>est met<span class=\"_ _1\"></span>hod,<span class=\"_ _1\"></span> less ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> c<span class=\"_ _1\"></span>redit l<span class=\"_ _1\"></span>oss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces. <span class=\"_ _1\"></span>Credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nces include sp<span class=\"_ _1\"></span>ecific prov<span class=\"_ _1\"></span>isions for i<span class=\"_ _1\"></span>mpairment aga<span class=\"_ _1\"></span>i<span class=\"ls8 ws67\">nst cre<span class=\"_ _0\"></span>dit impaire<span class=\"_ _0\"></span>d individual<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s when t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s </span>objective evid<span class=\"_ _1\"></span>ence that the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> will not be able to<span class=\"_ _1\"></span> collect all amo<span class=\"_ _1\"></span>unts du<span class=\"_ _1\"></span>e according to<span class=\"_ _1\"></span> the original ter<span class=\"_ _1\"></span>ms of the receiva<span class=\"_ _1\"></span>bles. Signif<span class=\"_ _1\"></span>icant fin<span class=\"_ _1\"></span>ancial difficu<span class=\"_ _1\"></span>lties of the <span class=\"_ _1\"></span>debtor, p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> that the <span class=\"ls5 ws28\">deb<span class=\"_ _1\"></span>tor will en<span class=\"_ _1\"></span>ter </span>bankruptcy or f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al reor<span class=\"_ _0\"></span>ganisatio<span class=\"_ _0\"></span>n, and de<span class=\"_ _0\"></span>fault or<span class=\"_ _0\"></span> delinque<span class=\"_ _0\"></span>ncy in paym<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>ndicators that the e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span> is cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>mpair<span class=\"_ _0\"></span>ed. For<span class=\"_ _0\"></span> trade and ot<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span> rece<span class=\"_ _0\"></span>ivables t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up applie<span class=\"_ _0\"></span>s the sim<span class=\"_ _0\"></span>plifi<span class=\"_ _0\"></span>ed approach pe<span class=\"_ _0\"></span>rmitte<span class=\"_ _0\"></span>d by the <span class=\"_ _0\"></span>prov<span class=\"ls6 ws1f\">isions of IFRS 9 which requ<span class=\"_ _1\"></span>ires expected lifetim<span class=\"_ _1\"></span>e losses to b<span class=\"_ _1\"></span>e recognised </span>from initial recogn<span class=\"_ _1\"></span>ition of the receivab<span class=\"_ _1\"></span>les. Note 2.3.4 p<span class=\"_ _1\"></span>rovid<span class=\"_ _1\"></span>es more detail on h<span class=\"_ _1\"></span>ow lifetime losses<span class=\"_ _1\"></span> are measu<span class=\"_ _1\"></span>red. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _0\"></span> of the asse<span class=\"_ _0\"></span>t is re<span class=\"_ _0\"></span>duced throug<span class=\"_ _0\"></span>h the us<span class=\"_ _0\"></span>e of an a<span class=\"_ _0\"></span>llowance<span class=\"_ _0\"></span> account, and t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of the loss<span class=\"_ _1\"></span> is recognised in p<span class=\"_ _1\"></span>rofit or loss.  When a receivable is<span class=\"_ _1\"></span> uncollectible, it<span class=\"_ _1\"></span> is written off again<span class=\"_ _1\"></span>st the allowance ac<span class=\"_ _0\"></span>count for trade a<span class=\"_ _0\"></span>nd other rece<span class=\"_ _0\"></span>iv<span class=\"ls5 ws2a\">ables.<span class=\"_ _1\"></span>  Subsequen<span class=\"_ _1\"></span>t recov<span class=\"_ _1\"></span>eries o<span class=\"_ _1\"></span>f amoun<span class=\"_ _1\"></span>ts previou<span class=\"_ _1\"></span>sly wr<span class=\"_ _1\"></span>itten </span>off are cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ed in p<span class=\"_ _1\"></span>rofit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.4B<span class=\"ff5 ls1 ws1\"> <span class=\"_ _52\"> </span></span><span class=\"ls8 wsa\">Cash and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>valents<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>Cash and cash e<span class=\"_ _0\"></span>quivale<span class=\"_ _0\"></span>nts ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied in t<span class=\"_ _0\"></span>he stateme<span class=\"_ _0\"></span>nt of financ<span class=\"_ _0\"></span>ial positi<span class=\"_ _0\"></span>on at fac<span class=\"_ _0\"></span>e value<span class=\"_ _0\"></span> less expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d credit<span class=\"_ _0\"></span> loss allow<span class=\"_ _0\"></span>ance.<span class=\"_ _0\"></span> Cash and cash e<span class=\"_ _0\"></span>quivalents c<span class=\"_ _0\"></span>omprise<span class=\"_ _0\"></span> bala<span class=\"_ _0\"></span>nces wi<span class=\"_ _0\"></span>th less than t<span class=\"_ _0\"></span>hree m<span class=\"_ _0\"></span>onths\u2019 matur<span class=\"_ _0\"></span>ity from the date of acq<span class=\"_ _1\"></span>uisition, includ<span class=\"_ _1\"></span>ing cash i<span class=\"ls8 ws2d\">n hand, de<span class=\"_ _0\"></span>posits he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t call<span class=\"_ _0\"></span> with ba<span class=\"_ _0\"></span>nks<span class=\"_ _0\"></span> and <span class=\"_ _0\"></span>other short<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span></span>highly liq<span class=\"_ _1\"></span>uid inves<span class=\"_ _1\"></span>tments with original ma<span class=\"_ _1\"></span>turities of th<span class=\"_ _1\"></span>ree month<span class=\"_ _1\"></span>s or less<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.5<span class=\"ff5 ls1 ws1\">  <span class=\"_ _51\"> </span></span><span class=\"ls5 ws7\">I<span class=\"_ _1\"></span>nvent<span class=\"_ _1\"></span>ories<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Inventories are sta<span class=\"_ _0\"></span>ted at the<span class=\"_ _0\"></span> lower of<span class=\"_ _0\"></span> cost and net re<span class=\"_ _0\"></span>alisable<span class=\"_ _0\"></span> value. The c<span class=\"_ _0\"></span>ost of postal<span class=\"_ _0\"></span> stationery an<span class=\"_ _0\"></span>d inven<span class=\"_ _1\"></span>tories<span class=\"_ _1\"></span> held fo<span class=\"_ _1\"></span>r resa<span class=\"_ _1\"></span>le is determin<span class=\"_ _1\"></span>ed on<span class=\"_ _1\"></span> a weight<span class=\"_ _1\"></span>ed avera<span class=\"_ _1\"></span>ge cost<span class=\"_ _1\"></span> basis<span class=\"_ _1\"></span>. The cos<span class=\"_ _1\"></span>t of other in<span class=\"_ _1\"></span>vento<span class=\"_ _1\"></span>ries is determin<span class=\"_ _1\"></span>ed o<span class=\"_ _1\"></span>n a firs<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls6 ws10\">in first<span class=\"_ _1\"></span></span>-<span class=\"ls7 wsf\">out basis. T<span class=\"ls6 ws10\">he cost of inv<span class=\"_ _1\"></span>entories compr<span class=\"_ _1\"></span>ises the inv<span class=\"_ _1\"></span>oiced va<span class=\"_ _1\"></span>lue of goods </span></span></span>purchased and i<span class=\"_ _0\"></span>n gene<span class=\"_ _0\"></span>ral include<span class=\"_ _0\"></span>s transport and handl<span class=\"_ _0\"></span>ing co<span class=\"_ _0\"></span>sts. Net r<span class=\"_ _0\"></span>ealisabl<span class=\"_ _0\"></span>e value<span class=\"_ _0\"></span> is the estimate<span class=\"_ _0\"></span>d selling price in the ord<span class=\"_ _1\"></span>inary cou<span class=\"_ _1\"></span>rse of busin<span class=\"_ _1\"></span>ess, less applica<span class=\"_ _1\"></span>ble variable s<span class=\"_ _1\"></span>elling expenses.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.6      Intangib<span class=\"_ _1\"></span>le assets<span class=\"ls1 ws1\"> </span>1.6.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws7\">Go<span class=\"_ _1\"></span>odwill<span class=\"_ _1\"></span></span> </span>Goodwi<span class=\"_ _1\"></span>ll repres<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> the exces<span class=\"_ _1\"></span>s o<span class=\"_ _1\"></span>f the cost of a<span class=\"_ _1\"></span>n acquis<span class=\"_ _1\"></span>ition ov<span class=\"_ _1\"></span>er the fai<span class=\"_ _1\"></span>r value of t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span>\u2019s sha<span class=\"_ _1\"></span>re of the identifiable n<span class=\"_ _1\"></span>et assets o<span class=\"_ _1\"></span>f the acquired subsid<span class=\"_ _1\"></span>iary at the date of acquis<span class=\"_ _1\"></span>ition. Goodwill on acq<span class=\"_ _1\"></span>uisitions of subs<span class=\"_ _1\"></span>idiaries is inclu<span class=\"_ _1\"></span>ded in \u2018intangib<span class=\"_ _1\"></span>le <span class=\"lse ws8b\">assets\u2019<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span>Goodwill is tes<span class=\"_ _1\"></span>ted annua<span class=\"_ _1\"></span>lly for impair<span class=\"_ _1\"></span>ment and carri<span class=\"_ _1\"></span>ed at cos<span class=\"_ _1\"></span>t less accumu<span class=\"_ _1\"></span>lated impa<span class=\"_ _1\"></span>irment losses<span class=\"_ _1\"></span>. Impairm<span class=\"_ _0\"></span>ent lo<span class=\"_ _0\"></span>sses on g<span class=\"_ _0\"></span>oodwill<span class=\"_ _0\"></span> are not<span class=\"_ _0\"></span> reve<span class=\"_ _0\"></span>rsed. G<span class=\"_ _0\"></span>ains a<span class=\"_ _0\"></span>nd losse<span class=\"_ _0\"></span>s on the<span class=\"_ _0\"></span> dispo<span class=\"_ _0\"></span>sal of<span class=\"_ _0\"></span> an e<span class=\"_ _0\"></span>ntity inc<span class=\"_ _0\"></span>lude <span class=\"_ _0\"></span>the carrying amou<span class=\"_ _1\"></span>nt of goodwill r<span class=\"_ _1\"></span>elating to<span class=\"_ _1\"></span> the entity <span class=\"ws8\">s<span class=\"_ _1\"></span>old. <span class=\"ls1 ws1\"> </span></span>Goodwill is allo<span class=\"_ _1\"></span>cated to cas<span class=\"_ _1\"></span>h<span class=\"ls1 ws1\">-</span>generating unit<span class=\"_ _1\"></span>s for the purpose of impa<span class=\"_ _1\"></span>irment testing. The a<span class=\"_ _1\"></span>llocation<span class=\"_ _1\"></span> is made to those cash<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">generating unit<span class=\"_ _1\"></span>s or gro<span class=\"_ _1\"></span>ups of cas<span class=\"_ _1\"></span>h</span>-<span class=\"ls8 wsb\">generati<span class=\"_ _0\"></span>ng units that a<span class=\"_ _0\"></span>re ex<span class=\"_ _0\"></span>pected to bene<span class=\"_ _0\"></span>fit from the </span></span>busin<span class=\"_ _1\"></span>ess combina<span class=\"_ _1\"></span>tion in which the goo<span class=\"_ _1\"></span>dwill arose, id<span class=\"_ _1\"></span>entified acco<span class=\"_ _1\"></span>rding to op<span class=\"_ _1\"></span>erating segment<span class=\"_ _1\"></span>.  A cash<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>gener<span class=\"_ _0\"></span>ating unit<span class=\"_ _0\"></span> to which goodwi<span class=\"_ _0\"></span>ll has bee<span class=\"_ _0\"></span>n alloc<span class=\"_ _0\"></span>ated is tested fo<span class=\"_ _0\"></span>r impai<span class=\"_ _0\"></span>rment annuall<span class=\"_ _0\"></span>y, and whene<span class=\"_ _0\"></span>ver there<span class=\"_ _0\"></span> is an indicat<span class=\"_ _0\"></span>ion that the<span class=\"_ _0\"></span> unit may be impai<span class=\"_ _0\"></span>red by com<span class=\"_ _0\"></span>paring the c<span class=\"_ _0\"></span>arrying<span class=\"_ _0\"></span> amount of the unit<span class=\"_ _0\"></span><span class=\"ls6 ws2e\">, includin<span class=\"_ _1\"></span>g </span>the go<span class=\"_ _1\"></span>odwill,<span class=\"_ _1\"></span> with th<span class=\"_ _1\"></span>e recover<span class=\"_ _1\"></span>ab<span class=\"_ _1\"></span>le amoun<span class=\"_ _1\"></span>t of th<span class=\"_ _1\"></span>e unit<span class=\"_ _1\"></span>.  The recov<span class=\"_ _1\"></span>erable a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e higher<span class=\"_ _1\"></span> of fair v<span class=\"_ _1\"></span>alue<span class=\"_ _1\"></span> less c<span class=\"_ _0\"></span>osts to<span class=\"_ _0\"></span> sell<span class=\"_ _0\"></span> and val<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>n use<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>1.6.2   Co<span class=\"_ _1\"></span>mputer s<span class=\"_ _1\"></span>oft<span class=\"_ _1\"></span>ware<span class=\"ls1 ws1\"> </span>Costs incur<span class=\"_ _0\"></span>red to ac<span class=\"_ _0\"></span>quire and<span class=\"_ _0\"></span> bring t<span class=\"_ _0\"></span>o use spe<span class=\"_ _0\"></span>cifi<span class=\"_ _0\"></span>c softw<span class=\"_ _0\"></span>are are<span class=\"_ _0\"></span> capitali<span class=\"_ _0\"></span>sed and amo<span class=\"_ _0\"></span>rtised on the<span class=\"_ _0\"></span> basis o<span class=\"_ _0\"></span>f<span class=\"ls1 ws1\"> </span>the exp<span class=\"_ _1\"></span>ected u<span class=\"_ _1\"></span>seful li<span class=\"_ _1\"></span>ves. So<span class=\"_ _1\"></span>ft<span class=\"_ _1\"></span>ware has<span class=\"_ _1\"></span> a maxi<span class=\"_ _1\"></span>mum exp<span class=\"_ _1\"></span>ecte<span class=\"_ _1\"></span>d us<span class=\"_ _1\"></span>eful life of fo<span class=\"_ _1\"></span>ur yea<span class=\"_ _1\"></span>rs.  1.7<span class=\"ff5 ls1 ws1\">  <span class=\"_ _51\"> </span></span><span class=\"ls8 wsa\">Property, plant and<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent<span class=\"_ _bc\"> </span></span><span class=\"ls8 wsa\"><span class=\"ls1 ws1\"> </span></span>All prope<span class=\"_ _0\"></span>rty, plant<span class=\"_ _0\"></span> and equi<span class=\"_ _0\"></span>pment use<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>roup is init<span class=\"_ _0\"></span>ially re<span class=\"_ _0\"></span>corde<span class=\"_ _0\"></span>d at histori<span class=\"_ _0\"></span>cal cost,<span class=\"_ _0\"></span> including<span class=\"_ _0\"></span> transa<span class=\"_ _1\"></span>ction costs and borr<span class=\"_ _1\"></span>owing costs.<span class=\"_ _1\"></span> Historical cost includes<span class=\"_ _1\"></span> expenditure th<span class=\"_ _1\"></span>at is directly att<span class=\"_ _1\"></span>ributable to the acq<span class=\"_ _1\"></span>uis<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of the it<span class=\"_ _1\"></span>ems. <span class=\"ls1 ws1\"> </span>Free<span class=\"_ _0\"></span>hold and long<span class=\"_ _0\"></span> leasehold pro<span class=\"_ _0\"></span>pertie<span class=\"_ _0\"></span>s (land and buil<span class=\"_ _0\"></span>dings) c<span class=\"_ _0\"></span>omprise<span class=\"_ _0\"></span> mainly branc<span class=\"_ _0\"></span>hes and off<span class=\"_ _0\"></span>ices.<span class=\"_ _0\"></span> Land and buildi<span class=\"_ _0\"></span>ngs ar<span class=\"_ _0\"></span>e shown<span class=\"_ _0\"></span> at fa<span class=\"_ _0\"></span>ir value<span class=\"_ _0\"></span> base<span class=\"_ _0\"></span>d on pe<span class=\"_ _0\"></span>riodic<span class=\"_ _0\"></span> val<span class=\"_ _0\"></span>uations<span class=\"_ _0\"></span> by ex<span class=\"_ _0\"></span>ternal i<span class=\"_ _0\"></span>ndepend<span class=\"_ _0\"></span>ent val<span class=\"_ _0\"></span>uers,<span class=\"_ _0\"></span> less subsequent de<span class=\"_ _0\"></span>preci<span class=\"_ _0\"></span>ation for<span class=\"_ _0\"></span> buildings.<span class=\"_ _0\"></span>  Valuations ar<span class=\"_ _0\"></span>e car<span class=\"_ _0\"></span>ried out on a re<span class=\"_ _0\"></span>gular basi<span class=\"_ _0\"></span>s such that t<span class=\"_ _0\"></span>he carr<span class=\"_ _0\"></span>ying amount of<span class=\"_ _0\"></span> property do<span class=\"_ _0\"></span>es not dif<span class=\"_ _0\"></span>fer mate<span class=\"_ _0\"></span>rially f<span class=\"_ _0\"></span>rom that which w<span class=\"_ _0\"></span>ould be de<span class=\"_ _0\"></span>termine<span class=\"_ _0\"></span>d using fa<span class=\"_ _0\"></span>ir value<span class=\"_ _0\"></span>s at the end of<span class=\"_ _0\"></span> the repor<span class=\"_ _0\"></span>ting period. Any ac<span class=\"_ _0\"></span>cumula<span class=\"_ _0\"></span>ted deprec<span class=\"_ _0\"></span>iation at the da<span class=\"_ _0\"></span>te of re<span class=\"_ _0\"></span>valuation is <span class=\"ls5 ws7\">eliminat<span class=\"_ _1\"></span>ed </span>against the<span class=\"_ _0\"></span> gros<span class=\"_ _0\"></span>s carrying<span class=\"_ _0\"></span> amount of<span class=\"_ _0\"></span> the as<span class=\"_ _0\"></span>set, and<span class=\"_ _0\"></span> the net<span class=\"_ _0\"></span> amount<span class=\"_ _0\"></span> is restate<span class=\"_ _0\"></span>d to<span class=\"_ _0\"></span> the rev<span class=\"_ _0\"></span>alue<span class=\"_ _0\"></span>d amount of<span class=\"_ _0\"></span> the as<span class=\"_ _1\"></span>set. <span class=\"ls1 ws1\"> </span>All othe<span class=\"_ _0\"></span>r proper<span class=\"_ _0\"></span>ty, plant and<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>quipme<span class=\"_ _0\"></span>nt is stated at<span class=\"_ _0\"></span> histori<span class=\"_ _0\"></span>cal co<span class=\"_ _0\"></span>st less acc<span class=\"_ _0\"></span>umulate<span class=\"_ _0\"></span>d depre<span class=\"_ _0\"></span>ciation.<span class=\"_ _bc\"> </span><span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>Borrow<span class=\"_ _0\"></span>ing costs w<span class=\"_ _0\"></span>hich are<span class=\"_ _0\"></span> incurr<span class=\"_ _0\"></span>ed for<span class=\"_ _0\"></span> the purpose<span class=\"_ _0\"></span> of acqui<span class=\"_ _0\"></span>ring or c<span class=\"_ _0\"></span>onstructi<span class=\"_ _0\"></span>ng a qua<span class=\"_ _0\"></span>lif<span class=\"_ _0\"></span>ying asset a<span class=\"_ _0\"></span>re capitalis<span class=\"_ _1\"></span>ed as part<span class=\"_ _1\"></span> of its cost. Bo<span class=\"_ _1\"></span>rrowing cos<span class=\"_ _1\"></span>ts are capit<span class=\"_ _1\"></span>alised wh<span class=\"_ _1\"></span>ile acquisitio<span class=\"_ _1\"></span>n or cons<span class=\"_ _1\"></span>truction is<span class=\"_ _1\"></span> actively<span class=\"_ _1\"></span> underway. Capitalisation of<span class=\"_ _11\"></span> borrowing cost<span class=\"ls8 ws36\">s is ce<span class=\"_ _0\"></span>ased o<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span> the asse<span class=\"_ _0\"></span>t is <span class=\"_ _0\"></span>substanti<span class=\"_ _0\"></span>ally <span class=\"_ _0\"></span>comple<span class=\"_ _0\"></span>te, and i<span class=\"_ _0\"></span>s </span>suspended if<span class=\"_ _0\"></span> the deve<span class=\"_ _0\"></span>lopme<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span> asset is <span class=\"_ _0\"></span>suspended.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Subsequent<span class=\"_ _0\"></span> costs are i<span class=\"_ _0\"></span>ncluded i<span class=\"_ _0\"></span>n the asset<span class=\"_ _0\"></span>\u2019s carrying<span class=\"_ _0\"></span> amount or<span class=\"_ _0\"></span> recog<span class=\"_ _0\"></span>nised as a se<span class=\"_ _0\"></span>parate asse<span class=\"_ _0\"></span>t, as app<span class=\"_ _1\"></span>ropria<span class=\"_ _1\"></span>te, on<span class=\"_ _1\"></span>ly when<span class=\"_ _1\"></span> it is pro<span class=\"_ _1\"></span>babl<span class=\"_ _1\"></span>e that fu<span class=\"_ _1\"></span>ture eco<span class=\"_ _1\"></span>nomic<span class=\"_ _1\"></span> benefi<span class=\"_ _1\"></span>ts as<span class=\"_ _1\"></span>socia<span class=\"_ _1\"></span>ted with<span class=\"_ _1\"></span> the it<span class=\"_ _1\"></span>em will flo<span class=\"_ _1\"></span>w to the Gr<span class=\"_ _0\"></span>oup and the cost<span class=\"_ _0\"></span> of the item can be<span class=\"_ _0\"></span> measured re<span class=\"_ _0\"></span>liably. The<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng amount of the repl<span class=\"_ _0\"></span>aced par<span class=\"_ _0\"></span>t is derec<span class=\"_ _0\"></span>ognised.<span class=\"_ _0\"></span> All other re<span class=\"_ _0\"></span>pairs and mainte<span class=\"_ _0\"></span>nance ar<span class=\"_ _0\"></span>e charged to pro<span class=\"_ _0\"></span>fit or l<span class=\"_ _0\"></span>oss during the<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> period i<span class=\"_ _0\"></span>n which the<span class=\"_ _0\"></span>y are i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span>Increa<span class=\"_ _0\"></span>ses in the c<span class=\"_ _0\"></span>arrying<span class=\"_ _0\"></span> amount ari<span class=\"_ _0\"></span>sing o<span class=\"_ _0\"></span>n revaluat<span class=\"_ _0\"></span>ion <span class=\"_ _0\"></span>of land a<span class=\"_ _0\"></span>nd buildi<span class=\"_ _0\"></span>ngs ar<span class=\"_ _0\"></span>e cre<span class=\"_ _0\"></span>dited to<span class=\"_ _0\"></span> other compre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income and shown as a r<span class=\"_ _0\"></span>evaluati<span class=\"_ _0\"></span>on reser<span class=\"_ _0\"></span>ve in sharehol<span class=\"_ _0\"></span>ders\u2019 equi<span class=\"_ _0\"></span>ty. Dec<span class=\"_ _0\"></span>reases that of<span class=\"_ _0\"></span>fset previ<span class=\"_ _1\"></span>ous i<span class=\"_ _1\"></span>ncreas<span class=\"_ _1\"></span>es of the s<span class=\"_ _1\"></span>ame asset<span class=\"_ _1\"></span> are cha<span class=\"_ _1\"></span>rged to o<span class=\"ls8 wsa\">ther com<span class=\"_ _0\"></span>prehensi<span class=\"_ _0\"></span>ve incom<span class=\"_ _0\"></span>e and de<span class=\"_ _0\"></span>bited ag<span class=\"_ _0\"></span>ainst the<span class=\"_ _0\"></span> </span>revaluation reser<span class=\"_ _0\"></span>ve; all other de<span class=\"_ _0\"></span>creases are<span class=\"_ _0\"></span> charged to profit or loss. <span class=\"_ _0\"></span><span class=\"ls1\"> </span>Land is not depr<span class=\"_ _0\"></span>eciat<span class=\"_ _0\"></span>ed as it is<span class=\"_ _0\"></span> dee<span class=\"_ _0\"></span>med to have an i<span class=\"_ _0\"></span>ndefi<span class=\"_ _0\"></span>nite life<span class=\"_ _0\"></span>. Depreci<span class=\"_ _0\"></span>ation on othe<span class=\"_ _0\"></span>r assets is c<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>ed using th<span class=\"_ _1\"></span>e straight<span class=\"ls1 ws1\">-<span class=\"ls7 ws84\">line method to allocate their c<span class=\"_ _0\"></span>ost or revalued amounts to their residual value<span class=\"_ _0\"></span>s over their<span class=\"_ _0\"></span> </span></span>estima<span class=\"_ _1\"></span>ted us<span class=\"_ _1\"></span>eful liv<span class=\"_ _1\"></span>es, as<span class=\"_ _1\"></span> follo<span class=\"_ _1\"></span>ws:<span class=\"ls1 ws1\"> </span><table class=\"s w1df h1a9\" id=\"_e1490071-5d13-47f0-aa57-c9cc61820dfb\"><tr><td></td><td class=\"c x2b8 y1e4d wc2 ha6\"><div class=\"t m0 x12f h3 y8d0 ff1 fs1 fc0 sc0 ls18 ws74\">Years<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e4e wc1 ha5\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">Buildings<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e4e wc2 ha5\"><div class=\"t m0 xdf h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">100 or o<span class=\"_ _1\"></span>ver peri<span class=\"_ _1\"></span>od of lea<span class=\"_ _1\"></span>se ar<span class=\"_ _1\"></span>rangemen<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e4f wc1 ha6\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Leasehol<span class=\"_ _0\"></span>d propert<span class=\"_ _0\"></span>y<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e4f wc2 ha6\"><div class=\"t m0 x69 h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">Over p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>f lease ar<span class=\"_ _1\"></span>range<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e50 wc1 ha4\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Compute<span class=\"_ _0\"></span>r equipme<span class=\"_ _0\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e50 wc2 ha4\"><div class=\"t m0 x131 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">4 </div></td></tr><tr><td class=\"c x2b9 y1e51 wc1 ha4\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 lsa ws24\">Other <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e51 wc2 ha4\"><div class=\"t m0 x132 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4 <span class=\"ls1 ws1\">\u2013 </span>8 <span class=\"ls1 ws1\"> </span></div></td></tr></table>The as<span class=\"_ _1\"></span>sets\u2019<span class=\"_ _1\"></span> resid<span class=\"_ _1\"></span>ual valu<span class=\"_ _1\"></span>es and us<span class=\"_ _1\"></span>eful liv<span class=\"_ _1\"></span>es are r<span class=\"_ _1\"></span>eviewed, a<span class=\"_ _1\"></span>nd ad<span class=\"_ _1\"></span>justed<span class=\"_ _1\"></span> if app<span class=\"_ _1\"></span>ropriat<span class=\"_ _1\"></span>e, at the en<span class=\"_ _1\"></span>d of each reporting period. <span class=\"ls1 ws1\"> </span>An asset\u2019s<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng amount i<span class=\"_ _11\"></span>s<span class=\"_ _1\"></span> w<span class=\"_ _0\"></span>ritte<span class=\"_ _0\"></span>n down imme<span class=\"_ _0\"></span>diatel<span class=\"_ _0\"></span>y to its re<span class=\"_ _0\"></span>covera<span class=\"_ _0\"></span>ble am<span class=\"_ _0\"></span>ount if the<span class=\"_ _0\"></span> asset\u2019s car<span class=\"_ _0\"></span>rying<span class=\"_ _0\"></span> amoun<span class=\"_ _1\"></span>t is gr<span class=\"_ _1\"></span>eater th<span class=\"_ _1\"></span>an it<span class=\"_ _1\"></span>s estimat<span class=\"_ _1\"></span>ed recov<span class=\"_ _1\"></span>erabl<span class=\"_ _1\"></span>e amoun<span class=\"_ _1\"></span>t (see n<span class=\"_ _1\"></span>ote 1.8<span class=\"_ _1\"></span>).<span class=\"ls1 ws1\"> </span>Gains and losse<span class=\"_ _0\"></span>s on dis<span class=\"_ _0\"></span>posals a<span class=\"_ _0\"></span>re det<span class=\"_ _0\"></span>ermine<span class=\"_ _0\"></span>d by compari<span class=\"_ _0\"></span>ng the pr<span class=\"_ _0\"></span>ocee<span class=\"_ _0\"></span>ds with the<span class=\"_ _0\"></span> carrying am<span class=\"_ _0\"></span>ount and are re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span>d in prof<span class=\"_ _0\"></span>it or loss. W<span class=\"_ _0\"></span>hen reval<span class=\"_ _0\"></span>ued assets <span class=\"_ _0\"></span>are s<span class=\"_ _0\"></span>old, the<span class=\"_ _0\"></span> amounts inc<span class=\"_ _0\"></span>luded in <span class=\"_ _0\"></span>the r<span class=\"_ _0\"></span>evaluati<span class=\"_ _0\"></span>on reserv<span class=\"_ _1\"></span>e relatin<span class=\"_ _1\"></span>g to th<span class=\"_ _1\"></span>at as<span class=\"_ _1\"></span>set are tr<span class=\"_ _1\"></span>ansfer<span class=\"_ _1\"></span>red to r<span class=\"_ _1\"></span><span class=\"ls8 wsa\">etaine<span class=\"_ _0\"></span>d earnings.<span class=\"ls1 ws1\"> </span></span>1.8<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _51\"> </span><span class=\"ls5 ws6\">I<span class=\"_ _1\"></span>mpairmen<span class=\"_ _1\"></span>t of no<span class=\"_ _1\"></span>n</span>-</span></span><span class=\"ws7\">finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets<span class=\"ls1 ws1\"> </span></span>Asset<span class=\"_ _1\"></span>s th<span class=\"_ _1\"></span>at hav<span class=\"_ _1\"></span>e an in<span class=\"_ _1\"></span>defini<span class=\"_ _1\"></span>te us<span class=\"_ _1\"></span>eful lif<span class=\"_ _1\"></span>e, for<span class=\"_ _1\"></span> examp<span class=\"_ _1\"></span>le go<span class=\"_ _1\"></span>odwill o<span class=\"_ _1\"></span>r cert<span class=\"_ _1\"></span>ain <span class=\"_ _1\"></span>inta<span class=\"_ _1\"></span>ngible a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s, a<span class=\"_ _1\"></span>re not<span class=\"_ _1\"></span> subj<span class=\"_ _1\"></span>ect to amortisation and are<span class=\"_ _0\"></span> teste<span class=\"_ _0\"></span>d annually for impairm<span class=\"_ _0\"></span>ent. Assets that are<span class=\"_ _0\"></span> subject to <span class=\"_ _0\"></span>amortisation ar<span class=\"_ _0\"></span>e review<span class=\"_ _1\"></span>ed for i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment wh<span class=\"_ _1\"></span>enev<span class=\"_ _1\"></span>er event<span class=\"_ _1\"></span>s or ch<span class=\"_ _1\"></span><span class=\"ls6 ws23\">anges in cir<span class=\"_ _1\"></span>cumstances in<span class=\"_ _1\"></span>dicate that<span class=\"_ _1\"></span> the carrying a<span class=\"_ _1\"></span>mount </span>may not be r<span class=\"_ _0\"></span>ecove<span class=\"_ _0\"></span>rable.<span class=\"_ _0\"></span>  An impairme<span class=\"_ _0\"></span>nt loss is re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span> the am<span class=\"_ _0\"></span>ount by whic<span class=\"_ _0\"></span>h the asset\u2019s c<span class=\"_ _0\"></span>arrying<span class=\"_ _11\"></span> amoun<span class=\"_ _1\"></span>t exce<span class=\"_ _1\"></span>eds it<span class=\"_ _1\"></span>s recov<span class=\"_ _1\"></span>erable a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>. The r<span class=\"_ _1\"></span>ecovera<span class=\"_ _1\"></span>ble a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e higher o<span class=\"_ _1\"></span>f an as<span class=\"_ _1\"></span>set\u2019s<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alue les<span class=\"_ _1\"></span>s cost<span class=\"_ _1\"></span>s to sell<span class=\"_ _1\"></span> and v<span class=\"_ _1\"></span>alue in<span class=\"_ _1\"></span> use. For<span class=\"_ _1\"></span> the pu<span class=\"_ _1\"></span>rpos<span class=\"_ _1\"></span>es of ass<span class=\"_ _1\"></span>essin<span class=\"_ _1\"></span>g impairm<span class=\"_ _1\"></span>ent, a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s are gr<span class=\"_ _1\"></span>ouped at<span class=\"_ _1\"></span> the lowes<span class=\"_ _1\"></span>t levels for wh<span class=\"_ _1\"></span>ich there ar<span class=\"_ _1\"></span>e separat<span class=\"_ _1\"></span>ely identifiable<span class=\"_ _1\"></span> cash inflo<span class=\"_ _1\"></span>ws (cash<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">genera<span class=\"_ _1\"></span>ting u<span class=\"_ _1\"></span>nits)<span class=\"_ _1\"></span>. The imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ment t<span class=\"_ _1\"></span>est </span></span>can also be performe<span class=\"_ _0\"></span>d on a sin<span class=\"ls5 ws35\">gl<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span> when th<span class=\"_ _1\"></span>e fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e less<span class=\"_ _1\"></span> cost<span class=\"_ _1\"></span>s to s<span class=\"_ _1\"></span>ell or th<span class=\"_ _1\"></span>e val<span class=\"_ _1\"></span>ue in<span class=\"_ _1\"></span> use can<span class=\"_ _1\"></span> be </span>determin<span class=\"_ _1\"></span>ed r<span class=\"_ _1\"></span>eliably<span class=\"_ _1\"></span>. Non<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> oth<span class=\"_ _1\"></span>er than<span class=\"_ _1\"></span> goodwill t<span class=\"_ _1\"></span>hat s<span class=\"_ _1\"></span>uffer<span class=\"_ _1\"></span>ed impai<span class=\"_ _1\"></span>rment<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>eviewed<span class=\"_ _1\"></span> for pos<span class=\"_ _1\"></span>sible r<span class=\"_ _1\"></span>eversa<span class=\"_ _1\"></span>l of the i<span class=\"_ _1\"></span>mpairmen<span class=\"_ _1\"></span>t at eac<span class=\"_ _1\"></span>h repor<span class=\"_ _1\"></span>ting d<span class=\"_ _1\"></span>ate. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.9     <span class=\"ls1 ws1\">  </span><span class=\"ls5\">Leases<span class=\"ls1 ws1\"> </span></span>1.9.1 <span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span><span class=\"ls8 wsa\">When a Group com<span class=\"_ _0\"></span>pany is the<span class=\"_ _0\"></span> lesse<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> </span></span></span>The Group reco<span class=\"_ _1\"></span>gnises leas<span class=\"_ _1\"></span>e liabilities<span class=\"_ _1\"></span> in relation to<span class=\"_ _1\"></span> leases with<span class=\"_ _1\"></span>in \u2019other lia<span class=\"_ _1\"></span>bilities\u2019. The<span class=\"_ _1\"></span> lease liability<span class=\"_ _1\"></span> is measu<span class=\"_ _1\"></span>red at t<span class=\"_ _1\"></span>he pres<span class=\"_ _1\"></span>ent value o<span class=\"_ _1\"></span>f the remai<span class=\"_ _1\"></span>ning lea<span class=\"_ _1\"></span>se pa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span>, dis<span class=\"_ _1\"></span>count<span class=\"_ _1\"></span>ed at th<span class=\"_ _1\"></span>e Group\u2019s in<span class=\"_ _1\"></span>crementa<span class=\"_ _1\"></span>l borrowing ra<span class=\"_ _1\"></span>te. The as<span class=\"_ _1\"></span>sociated r<span class=\"_ _1\"></span>ight<span class=\"ls1 ws1\">-<span class=\"ls5f wsb8\">of</span>-<span class=\"ls8 ws16\">use<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws28\">(ROU<span class=\"_ _1\"></span>) ass<span class=\"_ _1\"></span>ets a<span class=\"_ _1\"></span>re recog<span class=\"_ _1\"></span>nised<span class=\"_ _1\"></span></span> <span class=\"ls8 ws5c\">and include<span class=\"_ _0\"></span>d within \u2018<span class=\"_ _0\"></span>property, </span></span></span></span>plant and equi<span class=\"_ _0\"></span>pment\u2019 a<span class=\"_ _0\"></span>nd are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d at the a<span class=\"_ _0\"></span>mount equa<span class=\"_ _0\"></span>l to the l<span class=\"_ _0\"></span>ease l<span class=\"_ _0\"></span>iability.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>Lease payment<span class=\"_ _1\"></span>s are allocated<span class=\"_ _1\"></span> between t<span class=\"_ _1\"></span>he liability a<span class=\"_ _1\"></span>nd finance cos<span class=\"_ _1\"></span>t. The finance <span class=\"_ _1\"></span>cost is cha<span class=\"_ _1\"></span>rged to profit or los<span class=\"_ _1\"></span>s ov<span class=\"_ _1\"></span>er the lea<span class=\"_ _1\"></span>se term. <span class=\"ls1 ws1\"> </span>The leas<span class=\"_ _1\"></span>e term<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e non<span class=\"ls1 ws1\">-<span class=\"ls8 ws13\">cancellable pe<span class=\"_ _0\"></span>riod of a le<span class=\"_ _0\"></span>ase, togethe<span class=\"_ _0\"></span>r wi<span class=\"_ _0\"></span>th both (a) pe<span class=\"_ _0\"></span>riods co<span class=\"_ _0\"></span>vered by an option<span class=\"_ _0\"></span> </span></span>to exte<span class=\"_ _0\"></span>nd the lease<span class=\"_ _0\"></span> if the lessee i<span class=\"_ _0\"></span>s reasonably cer<span class=\"_ _0\"></span>tain to extend by e<span class=\"_ _0\"></span>xercising<span class=\"_ _0\"></span> that option;<span class=\"_ _0\"></span> and (b) pe<span class=\"_ _0\"></span>riods covere<span class=\"_ _0\"></span>d by an option to t<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>nate the<span class=\"_ _0\"></span> <span class=\"ls5 ws2a\">lease if t<span class=\"_ _1\"></span>he les<span class=\"_ _1\"></span>see is<span class=\"_ _1\"></span> reas<span class=\"_ _1\"></span>onab<span class=\"_ _1\"></span>ly cert<span class=\"_ _1\"></span>ain no<span class=\"_ _1\"></span>t to exer<span class=\"_ _1\"></span>cise th<span class=\"_ _1\"></span>at op<span class=\"_ _1\"></span>tion. </span>In assessi<span class=\"_ _0\"></span>ng the le<span class=\"_ _0\"></span>ngth of<span class=\"_ _0\"></span> the no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">cancell<span class=\"_ _1\"></span>able per<span class=\"_ _1\"></span>iod<span class=\"_ _1\"></span> of a leas<span class=\"_ _1\"></span>e, the Gr<span class=\"_ _1\"></span>oup a<span class=\"_ _1\"></span>pplies<span class=\"_ _1\"></span> the defin<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of a </span></span>cont<span class=\"_ _1\"></span>ract to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine the<span class=\"_ _1\"></span> pe<span class=\"_ _1\"></span>riod fo<span class=\"_ _1\"></span>r whic<span class=\"_ _1\"></span>h the co<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>ct is<span class=\"_ _1\"></span> enforc<span class=\"_ _1\"></span>eable.<span class=\"_ _1\"></span> A leas<span class=\"_ _1\"></span>e is<span class=\"_ _1\"></span> no lo<span class=\"_ _1\"></span>nger en<span class=\"_ _1\"></span>forc<span class=\"_ _1\"></span>eable<span class=\"_ _1\"></span> when th<span class=\"_ _1\"></span>e les<span class=\"_ _1\"></span>see and<span class=\"_ _1\"></span> the l<span class=\"_ _1\"></span>esso<span class=\"_ _1\"></span>r each h<span class=\"_ _1\"></span>as th<span class=\"_ _1\"></span>e right<span class=\"_ _1\"></span> to ter<span class=\"_ _1\"></span>mina<span class=\"_ _1\"></span>te the l<span class=\"_ _1\"></span>ease<span class=\"_ _1\"></span> withou<span class=\"_ _1\"></span>t per<span class=\"_ _1\"></span>missi<span class=\"_ _1\"></span>on from t<span class=\"_ _1\"></span>he oth<span class=\"_ _1\"></span>er party wit<span class=\"_ _0\"></span>h no more<span class=\"_ _0\"></span> than an in<span class=\"_ _0\"></span>signifi<span class=\"_ _0\"></span>cant pena<span class=\"_ _0\"></span>lty.<span class=\"ls1 ws1\"> </span>The RO<span class=\"_ _1\"></span>U asset<span class=\"_ _1\"></span> is dep<span class=\"_ _1\"></span>reciated<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er the s<span class=\"_ _1\"></span>hort<span class=\"_ _1\"></span>er of the RO<span class=\"_ _1\"></span>U as<span class=\"_ _1\"></span>set\u2019s<span class=\"_ _1\"></span> useful eco<span class=\"_ _1\"></span>nomic <span class=\"_ _1\"></span>life a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e lease t<span class=\"_ _1\"></span>erm<span class=\"_ _1\"></span> on a straight<span class=\"ls1\">-<span class=\"ls6 ws7\">line basis.</span> </span>The leas<span class=\"_ _1\"></span>es with<span class=\"_ _1\"></span> a rema<span class=\"_ _1\"></span>ining l<span class=\"_ _1\"></span>ease ter<span class=\"_ _1\"></span>m of les<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>n 12 mon<span class=\"_ _1\"></span>ths a<span class=\"_ _1\"></span>re accou<span class=\"_ _1\"></span>nted as<span class=\"_ _1\"></span> short<span class=\"ls1 ws1\">-</span>ter<span class=\"_ _1\"></span>m opera<span class=\"_ _1\"></span>ting<span class=\"_ _1\"></span> leases<span class=\"_ _1\"></span>. Pay<span class=\"_ _1\"></span>ments ma<span class=\"_ _1\"></span>de und<span class=\"_ _1\"></span>er op<span class=\"_ _1\"></span>eratin<span class=\"_ _1\"></span>g leas<span class=\"_ _1\"></span>es (net o<span class=\"_ _1\"></span>f any i<span class=\"_ _1\"></span>ncen<span class=\"_ _1\"></span>tives<span class=\"_ _1\"></span> receiv<span class=\"_ _1\"></span>ed fro<span class=\"_ _1\"></span>m the les<span class=\"_ _1\"></span>so<span class=\"_ _1\"></span>r) are ch<span class=\"_ _1\"></span>arged<span class=\"_ _1\"></span> to profit or loss on a straig<span class=\"_ _0\"></span>ht<span class=\"ls1\">-<span class=\"ls5 ws6\">line bas<span class=\"_ _1\"></span>is ov<span class=\"_ _1\"></span>er the per<span class=\"_ _1\"></span>iod of t<span class=\"_ _1\"></span>he lease.<span class=\"_ _bc\"> </span></span></span>1.10<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ls8 wsa\">Share c<span class=\"_ _0\"></span>apital and shar<span class=\"_ _0\"></span>e prem<span class=\"_ _0\"></span>ium<span class=\"ls1 ws1\"> </span></span>Ordinary shar<span class=\"_ _0\"></span>es are c<span class=\"_ _0\"></span>lassifi<span class=\"_ _0\"></span>ed as equi<span class=\"_ _0\"></span>ty.  Incre<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>al costs dir<span class=\"_ _0\"></span>ectly a<span class=\"_ _0\"></span>ttributable<span class=\"_ _0\"></span> to the i<span class=\"_ _0\"></span>ssue of<span class=\"_ _0\"></span> new ordina<span class=\"_ _0\"></span>ry shares are<span class=\"_ _0\"></span> shown in e<span class=\"_ _0\"></span>quity as a deduc<span class=\"_ _0\"></span>tion, net o<span class=\"_ _0\"></span>f tax, f<span class=\"_ _0\"></span>rom the pro<span class=\"_ _0\"></span>ceeds. Whe<span class=\"_ _0\"></span>n shares are issue<span class=\"_ _0\"></span>d at a premiu<span class=\"_ _1\"></span>m, the d<span class=\"_ _1\"></span>iffer<span class=\"_ _1\"></span>ence b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> the pro<span class=\"_ _1\"></span>cee<span class=\"ls8 ws2d\">ds and the par value of<span class=\"_ _0\"></span> the share<span class=\"_ _0\"></span>s is rec<span class=\"_ _0\"></span>ognised in the<span class=\"_ _0\"></span> share </span>premi<span class=\"_ _0\"></span>um account.<span class=\"ls1 ws1\"> </span>1.11<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _9e\"> </span></span></span><span class=\"ws7\">Financial lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>1.11.1<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws7\">Initial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement <span class=\"ls1 ws1\"> </span></span></span></span>The Group recognis<span class=\"_ _1\"></span>es a financia<span class=\"_ _1\"></span>l liability on its<span class=\"_ _1\"></span> statement of financia<span class=\"_ _1\"></span>l position when it<span class=\"_ _1\"></span> becomes a party<span class=\"_ _1\"></span> to the contra<span class=\"_ _1\"></span>ctual prov<span class=\"_ _1\"></span>isions of the in<span class=\"_ _1\"></span>strument. Fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ties not<span class=\"_ _1\"></span> at fair value th<span class=\"_ _1\"></span>rough profit or lo<span class=\"_ _1\"></span>ss are recognised in<span class=\"_ _1\"></span>itially at<span class=\"_ _1\"></span> fair valu<span class=\"_ _1\"></span>e, being th<span class=\"_ _1\"></span>e fair va<span class=\"_ _1\"></span>lue of cons<span class=\"_ _1\"></span>ideration rec<span class=\"_ _1\"></span>eived, net o<span class=\"_ _1\"></span>f transa<span class=\"_ _1\"></span>ction costs<span class=\"_ _1\"></span> that are directly at<span class=\"_ _1\"></span>tributab<span class=\"_ _1\"></span>le to the acquis<span class=\"_ _1\"></span>ition or th<span class=\"_ _1\"></span>e issue of the financia<span class=\"_ _1\"></span>l liability.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.11.2<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls8 wsa\">Cl<span class=\"_ _0\"></span>assifica<span class=\"_ _0\"></span>tion and subse<span class=\"_ _0\"></span>quent <span class=\"_ _0\"></span>measur<span class=\"_ _0\"></span>ement <span class=\"ls1 ws1\"> </span></span></span></span>Financial lia<span class=\"_ _1\"></span>bilities are clas<span class=\"_ _1\"></span>sified as<span class=\"_ _1\"></span> subsequen<span class=\"_ _1\"></span>tly measured a<span class=\"_ _1\"></span>t amortised cos<span class=\"_ _1\"></span>t, except for:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws12\">financial lia<span class=\"_ _1\"></span>bilities at fair valu<span class=\"_ _1\"></span>e through profit o<span class=\"_ _1\"></span>r loss: this classification is ap<span class=\"_ _1\"></span>plied to derivatives,<span class=\"_ _1\"></span> financial </span></span>liabilities h<span class=\"_ _1\"></span>eld for tradin<span class=\"_ _1\"></span>g (e.g. s<span class=\"_ _1\"></span>hort pos<span class=\"_ _1\"></span>itions in the t<span class=\"_ _1\"></span>rading bookin<span class=\"_ _1\"></span>g) and other fin<span class=\"_ _1\"></span>ancial liabil<span class=\"_ _1\"></span>ities designated<span class=\"_ _1\"></span> as such<span class=\"_ _1\"></span> at initial recognitio<span class=\"_ _1\"></span>n; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">financial gu<span class=\"_ _1\"></span>arantee contra<span class=\"_ _1\"></span>cts and lo<span class=\"_ _1\"></span>an commitments.<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>Financial lia<span class=\"_ _1\"></span>bilities <span class=\"_ _1\"></span>measured a<span class=\"_ _1\"></span>t amortised co<span class=\"_ _1\"></span>st comprise <span class=\"_ _1\"></span>principa<span class=\"_ _1\"></span>lly amounts<span class=\"_ _1\"></span> owed to ban<span class=\"_ _1\"></span>ks, amoun<span class=\"_ _1\"></span>ts owed to cus<span class=\"_ _1\"></span>tomers, and o<span class=\"_ _1\"></span>ther liabilities<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.11.3<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws8\">Derecognition<span class=\"ls1 ws1\"> </span></span></span></span>The Group derecogni<span class=\"_ _1\"></span>ses a fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ty from its st<span class=\"_ _1\"></span>atement of financial pos<span class=\"_ _1\"></span>ition when th<span class=\"_ _1\"></span>e obligation specified in th<span class=\"_ _1\"></span>e contract or a<span class=\"_ _1\"></span>rrangement is dis<span class=\"_ _1\"></span>charged, is<span class=\"_ _1\"></span> cancelled or expir<span class=\"_ _1\"></span>es.<span class=\"ls1 ws1\"> </span>1.11A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _1\"></span></span><span class=\"ls8 wsa\">Trade and othe<span class=\"_ _0\"></span>r payable<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span>Trade<span class=\"_ _0\"></span> payables co<span class=\"_ _0\"></span>mprise<span class=\"_ _0\"></span> obligati<span class=\"_ _0\"></span>ons to pay f<span class=\"_ _0\"></span>or good<span class=\"_ _0\"></span>s or se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span>s that ha<span class=\"_ _0\"></span>ve bee<span class=\"_ _0\"></span>n acquire<span class=\"_ _0\"></span>d in the or<span class=\"_ _0\"></span>dinary<span class=\"_ _0\"></span> course of<span class=\"_ _0\"></span> business fr<span class=\"_ _0\"></span>om supplie<span class=\"_ _0\"></span>rs.  Acc<span class=\"_ _0\"></span>ounts payable<span class=\"_ _0\"></span> are classifie<span class=\"_ _0\"></span>d as curre<span class=\"_ _0\"></span>nt liabi<span class=\"_ _0\"></span>litie<span class=\"_ _0\"></span>s if payment is due within<span class=\"_ _1\"></span> one y<span class=\"_ _1\"></span>ear or less<span class=\"_ _1\"></span> (or in the n<span class=\"_ _1\"></span>ormal <span class=\"ls8 ws18\">operating cyc<span class=\"_ _0\"></span>le of<span class=\"_ _0\"></span> the busi<span class=\"_ _0\"></span>ness i<span class=\"_ _0\"></span>f longe<span class=\"_ _0\"></span>r).  I<span class=\"_ _0\"></span>f not<span class=\"_ _0\"></span>, the<span class=\"_ _0\"></span>y are pre<span class=\"_ _0\"></span>sented </span>as non<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">current l<span class=\"_ _0\"></span>iabili<span class=\"_ _0\"></span>ties. T<span class=\"_ _0\"></span>rade<span class=\"_ _0\"></span> and other<span class=\"_ _0\"></span> payable<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> rec<span class=\"_ _0\"></span>ognised i<span class=\"_ _0\"></span>nitiall<span class=\"_ _0\"></span>y at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> an<span class=\"_ _0\"></span>d subseque<span class=\"_ _0\"></span>ntly </span></span>measu<span class=\"_ _1\"></span>red at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t usi<span class=\"_ _1\"></span>ng the effe<span class=\"_ _1\"></span>ctiv<span class=\"_ _1\"></span>e interes<span class=\"_ _1\"></span>t met<span class=\"_ _1\"></span>hod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.12 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Offsetting finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span></span>Financia<span class=\"_ _0\"></span>l assets an<span class=\"_ _0\"></span>d liabil<span class=\"_ _0\"></span>ities ar<span class=\"_ _0\"></span>e off<span class=\"_ _0\"></span>set and the<span class=\"_ _0\"></span> net am<span class=\"_ _0\"></span>ount repor<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> consolidat<span class=\"_ _11\"></span>ed statement of<span class=\"_ _0\"></span> finan<span class=\"_ _1\"></span>cial po<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n when<span class=\"_ _1\"></span> there is a<span class=\"_ _1\"></span> legally en<span class=\"_ _1\"></span>forceab<span class=\"_ _1\"></span>le righ<span class=\"_ _1\"></span>t to offs<span class=\"_ _1\"></span>et the r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> and ther<span class=\"_ _1\"></span>e is an intention to settle on a <span class=\"_ _0\"></span>net basis or rea<span class=\"ls6 ws7\">lise the asset and settle the lia<span class=\"_ _1\"></span>bility simu<span class=\"_ _1\"></span>ltaneously<span class=\"_ _1\"></span>. </span><span class=\"ls1\"> </span>The Group has ag<span class=\"_ _0\"></span>reem<span class=\"_ _0\"></span>ents in place<span class=\"_ _0\"></span> with thir<span class=\"_ _0\"></span>d parties to co<span class=\"_ _0\"></span>llec<span class=\"_ _0\"></span>t, through the<span class=\"_ _0\"></span> Group\u2019s outle<span class=\"_ _0\"></span>t netw<span class=\"_ _0\"></span>ork, amounts due t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span>se third p<span class=\"_ _0\"></span>artie<span class=\"_ _0\"></span>s owed by t<span class=\"_ _0\"></span>heir c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s. Any amount<span class=\"_ _0\"></span>s coll<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d in respe<span class=\"_ _0\"></span>ct of t<span class=\"_ _0\"></span>hese agree<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>re retain<span class=\"_ _1\"></span>ed by<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p un<span class=\"_ _1\"></span>til set<span class=\"_ _1\"></span>tlement<span class=\"ls1 ws1\"> <span class=\"ls6 ws12\">with the respecti<span class=\"_ _1\"></span>ve third pa<span class=\"_ _1\"></span>rties, during which<span class=\"_ _1\"></span> time </span></span>the Gr<span class=\"_ _0\"></span>oup is expose<span class=\"_ _0\"></span>d to the risks and rew<span class=\"_ _0\"></span>ards em<span class=\"_ _0\"></span>anating f<span class=\"_ _0\"></span>rom the amounts c<span class=\"_ _0\"></span>ollec<span class=\"_ _0\"></span>ted. Such amounts ar<span class=\"_ _0\"></span>e there<span class=\"_ _0\"></span>fore pre<span class=\"_ _0\"></span>sented withi<span class=\"_ _0\"></span>n assets wi<span class=\"_ _0\"></span>th a corre<span class=\"_ _0\"></span>sponding li<span class=\"_ _0\"></span>ability t<span class=\"_ _0\"></span>owards the<span class=\"_ _0\"></span> third part<span class=\"_ _0\"></span>y pre<span class=\"_ _0\"></span>sented w<span class=\"_ _0\"></span>i<span class=\"ws16\">thin </span>trade and othe<span class=\"_ _0\"></span>r paya<span class=\"_ _0\"></span>bles.<span class=\"ls1 ws1\"> </span>1.13 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Provisio<span class=\"_ _1\"></span>ns for liabi<span class=\"_ _1\"></span>lities and other charges<span class=\"ls1 ws1\"> </span></span>Provisio<span class=\"_ _1\"></span>ns for legal an<span class=\"_ _1\"></span>d other claims are recognis<span class=\"_ _1\"></span>ed when: <span class=\"_ _1\"></span>the Group h<span class=\"_ _1\"></span>as a presen<span class=\"_ _1\"></span>t legal or const<span class=\"_ _1\"></span>ructive oblig<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> as a resul<span class=\"_ _1\"></span>t of past event<span class=\"_ _1\"></span>s; it is p<span class=\"_ _1\"></span>robab<span class=\"_ _1\"></span>le that an out<span class=\"_ _1\"></span>flow of res<span class=\"_ _1\"></span>ources<span class=\"_ _1\"></span> will be requ<span class=\"_ _1\"></span>ired t<span class=\"_ _1\"></span>o settl<span class=\"_ _1\"></span>e the oblig<span class=\"_ _0\"></span>ation; a<span class=\"_ _0\"></span>nd the amo<span class=\"_ _0\"></span>unt has be<span class=\"_ _0\"></span>en r<span class=\"ls5 ws4d\">eliably es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ted. Pr<span class=\"_ _1\"></span>ovis<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> are not<span class=\"_ _1\"></span> recogni<span class=\"_ _1\"></span>sed for<span class=\"_ _1\"></span> future </span>operating lo<span class=\"_ _1\"></span>sses.<span class=\"ls1 ws1\"> </span>Prov<span class=\"_ _1\"></span>ision<span class=\"_ _1\"></span>s are mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at the pr<span class=\"_ _1\"></span>esent v<span class=\"_ _1\"></span>alue o<span class=\"_ _1\"></span>f the exp<span class=\"_ _1\"></span>endi<span class=\"_ _1\"></span>tures<span class=\"_ _1\"></span> expected<span class=\"_ _1\"></span> to be req<span class=\"_ _1\"></span>uired<span class=\"_ _1\"></span> to set<span class=\"_ _1\"></span>tle the<span class=\"_ _1\"></span> obligation<span class=\"_ _1\"></span> using a pre<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">tax<span class=\"_ _1\"></span> rate tha<span class=\"_ _1\"></span>t reflects<span class=\"_ _1\"></span> curren<span class=\"_ _1\"></span>t market<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>essment<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e time va<span class=\"_ _1\"></span>lue of money<span class=\"_ _1\"></span> and </span></span>the risks<span class=\"_ _1\"></span> specific to the oblig<span class=\"_ _1\"></span>ation. The in<span class=\"_ _1\"></span>crease in the pro<span class=\"_ _1\"></span>vision d<span class=\"_ _1\"></span>ue to passage of time is<span class=\"_ _1\"></span> recognised as interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.14    Provisi<span class=\"_ _1\"></span>on for pensi<span class=\"_ _1\"></span>on obligations<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>A subsidia<span class=\"_ _0\"></span>ry of<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span> pro<span class=\"_ _0\"></span>vides f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>obliga<span class=\"_ _0\"></span>tion ari<span class=\"_ _0\"></span>sing i<span class=\"_ _0\"></span>n ter<span class=\"_ _0\"></span>ms of Ar<span class=\"_ _0\"></span>ticle<span class=\"_ _0\"></span> 8A of<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> Pensions<span class=\"_ _0\"></span> Ordinanc<span class=\"_ _0\"></span>e,<span class=\"_ _0\"></span> (Chap<span class=\"_ _1\"></span>ter 93 of t<span class=\"_ _1\"></span>he La<span class=\"_ _1\"></span>ws of M<span class=\"_ _1\"></span>alta)<span class=\"_ _1\"></span>, cover<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>ose form<span class=\"_ _1\"></span>er Go<span class=\"_ _1\"></span>vernm<span class=\"_ _1\"></span>ent emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es who <span class=\"_ _1\"></span>opted<span class=\"_ _1\"></span> to bec<span class=\"_ _1\"></span>ome full<span class=\"ls1 ws1\">-</span><span class=\"ws1a\">ti<span class=\"_ _1\"></span>me empl<span class=\"_ _1\"></span>oyees<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e su<span class=\"_ _1\"></span>bsid<span class=\"_ _1\"></span>iary o<span class=\"_ _1\"></span>f the Ba<span class=\"ls8 ws1b\">nk, and who continued to be<span class=\"_ _0\"></span> enti<span class=\"_ _0\"></span>tled to pension bene<span class=\"_ _0\"></span>fits </span></span>which g<span class=\"_ _0\"></span>o beyond the<span class=\"_ _0\"></span> National<span class=\"_ _0\"></span> Insurance<span class=\"_ _0\"></span> Sche<span class=\"_ _0\"></span>me.<span class=\"ls1 ws1\"> </span>The pe<span class=\"_ _0\"></span>nsion rel<span class=\"_ _0\"></span>ated acc<span class=\"_ _0\"></span>ounti<span class=\"_ _0\"></span>ng costs<span class=\"_ _0\"></span> are as<span class=\"_ _0\"></span>sessed <span class=\"_ _0\"></span>using t<span class=\"_ _0\"></span>he proje<span class=\"_ _0\"></span>cted uni<span class=\"_ _0\"></span>t credi<span class=\"_ _0\"></span>t me<span class=\"_ _0\"></span>thod.  Unde<span class=\"_ _0\"></span>r this<span class=\"_ _0\"></span> method, the cost of the<span class=\"_ _0\"></span> subsidiary\u2019s o<span class=\"_ _0\"></span>bligation is charge<span class=\"_ _0\"></span>d to profi<span class=\"_ _0\"></span>t or loss so as to<span class=\"_ _0\"></span> spread the c<span class=\"_ _0\"></span>ost over the years of serv<span class=\"_ _1\"></span>ice giving rise<span class=\"_ _1\"></span> to enti<span class=\"_ _1\"></span>tlement<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls8 ws20\">to benefits i<span class=\"_ _0\"></span>n accorda<span class=\"_ _0\"></span>nce w<span class=\"_ _0\"></span>ith actuar<span class=\"_ _0\"></span>ial technique<span class=\"_ _0\"></span>s. The </span></span>oblig<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> is meas<span class=\"_ _1\"></span>ured a<span class=\"_ _1\"></span>s the p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e of the es<span class=\"_ _1\"></span>timat<span class=\"_ _1\"></span>ed fut<span class=\"_ _1\"></span>ure cas<span class=\"_ _1\"></span>h out<span class=\"_ _1\"></span>flows u<span class=\"_ _1\"></span>sing i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rates<span class=\"_ _1\"></span> of long<span class=\"ls1 ws1\">-<span class=\"ls5 ws32\">ter<span class=\"_ _1\"></span>m Govern<span class=\"_ _1\"></span>ment b<span class=\"_ _1\"></span>onds wh<span class=\"_ _1\"></span>ich h<span class=\"_ _1\"></span>ave terms t<span class=\"_ _1\"></span>o maturit<span class=\"_ _1\"></span>y app<span class=\"_ _1\"></span>roxima<span class=\"_ _1\"></span>ting th<span class=\"_ _1\"></span>e terms o<span class=\"_ _1\"></span>f the rela<span class=\"_ _1\"></span>t<span class=\"ws7\">ed </span></span></span>liability.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span>Actuari<span class=\"_ _0\"></span>al gains a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>sses ar<span class=\"_ _0\"></span>ising<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> exper<span class=\"_ _0\"></span>ience adjustm<span class=\"_ _0\"></span>ents and<span class=\"_ _0\"></span> change<span class=\"_ _0\"></span>s in ac<span class=\"_ _0\"></span>tuar<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>ssumptions<span class=\"_ _0\"></span> are<span class=\"_ _0\"></span> charge<span class=\"_ _0\"></span>d or cre<span class=\"_ _0\"></span>dited to<span class=\"_ _0\"></span> equity in other<span class=\"_ _0\"></span> compre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income i<span class=\"_ _0\"></span>n the per<span class=\"_ _0\"></span>iod in whi<span class=\"_ _0\"></span>ch they arise<span class=\"_ _0\"></span>. Past<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">service </span></span>costs a<span class=\"_ _1\"></span>re recognised immedi<span class=\"_ _1\"></span>ately in p<span class=\"_ _1\"></span>rofit o<span class=\"lse ws2c\">r loss.<span class=\"ls1 ws1\">   </span></span>The G<span class=\"_ _0\"></span>roup contr<span class=\"_ _0\"></span>ibutes tow<span class=\"_ _0\"></span>ards the g<span class=\"_ _0\"></span>overnme<span class=\"_ _0\"></span>nt pensio<span class=\"_ _0\"></span>n def<span class=\"_ _0\"></span>ined co<span class=\"_ _0\"></span>ntribution <span class=\"_ _0\"></span>plan in<span class=\"_ _0\"></span> acco<span class=\"_ _0\"></span>rdance w<span class=\"_ _0\"></span>ith loc<span class=\"_ _0\"></span>al legi<span class=\"_ _0\"></span>slation as appli<span class=\"_ _0\"></span>cable a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>o whic<span class=\"_ _0\"></span>h it has no c<span class=\"_ _0\"></span>ommi<span class=\"_ _0\"></span>tment beyond t<span class=\"_ _0\"></span>he payme<span class=\"_ _0\"></span>nt of f<span class=\"_ _0\"></span>ixed c<span class=\"_ _0\"></span>ontributio<span class=\"_ _0\"></span>ns. These o<span class=\"_ _1\"></span>bligat<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> are recogn<span class=\"_ _1\"></span>is<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span>n expen<span class=\"_ _1\"></span>se in<span class=\"ls1 ws1\"> </span>t<span class=\"_ _1\"></span>he Inc<span class=\"_ _1\"></span>ome Statemen<span class=\"_ _1\"></span>t as<span class=\"_ _1\"></span> they a<span class=\"_ _1\"></span>ccrue.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.15 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls5 ws6\">Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e</span> </span>Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e for all i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">bearing finan<span class=\"_ _1\"></span>cial ins<span class=\"_ _1\"></span>truments are recogn<span class=\"_ _1\"></span>ised within \u2018<span class=\"_ _1\"></span>interest </span></span>income\u2019<span class=\"_ _1\"></span> and \u2018<span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t exp<span class=\"_ _1\"></span>ense\u2019<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>fit or l<span class=\"_ _1\"></span>oss u<span class=\"_ _1\"></span>sing<span class=\"_ _1\"></span> the effec<span class=\"_ _1\"></span>tive <span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t meth<span class=\"_ _1\"></span>od. Th<span class=\"_ _1\"></span>e effec<span class=\"_ _1\"></span>tive in<span class=\"_ _1\"></span>teres<span class=\"_ _1\"></span>t method is a method<span class=\"_ _1\"></span> of calculating the amo<span class=\"_ _1\"></span>rtised cost of a financia<span class=\"_ _1\"></span>l asset or a financial liabilit<span class=\"_ _1\"></span>y and of alloca<span class=\"_ _1\"></span>ting t<span class=\"_ _1\"></span>he int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>r interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se ov<span class=\"_ _1\"></span>er the relev<span class=\"_ _1\"></span>ant p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The effect<span class=\"_ _1\"></span>ive i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>coun<span class=\"_ _1\"></span>ts esti<span class=\"_ _1\"></span>mated fu<span class=\"_ _1\"></span>ture cas<span class=\"_ _1\"></span>h payment<span class=\"_ _1\"></span>s or rec<span class=\"_ _1\"></span>eipts through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liab<span class=\"_ _1\"></span>ility to the gro<span class=\"_ _1\"></span>ss carry<span class=\"_ _1\"></span>ing amoun<span class=\"_ _1\"></span>t of a financial as<span class=\"_ _1\"></span>set (i.e. its amo<span class=\"_ _1\"></span>rtised cost bef<span class=\"ls7 wsc\">ore any expected cre<span class=\"_ _0\"></span>dit loss allowance)<span class=\"_ _0\"></span> or to the am<span class=\"_ _0\"></span>ortised cost<span class=\"_ _0\"></span> </span>of a financial<span class=\"_ _1\"></span> liability.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>The calculation<span class=\"_ _1\"></span> does not consid<span class=\"_ _1\"></span>er expected credit loss<span class=\"_ _1\"></span>es and includ<span class=\"_ _1\"></span>es transaction costs<span class=\"_ _1\"></span>, premiums or discounts and fe<span class=\"_ _0\"></span>es and point<span class=\"_ _0\"></span>s paid or r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ived that are<span class=\"_ _0\"></span> integral t<span class=\"_ _0\"></span>o the effe<span class=\"_ _0\"></span>ctive inte<span class=\"_ _0\"></span>rest rate,<span class=\"_ _0\"></span> such as originatio<span class=\"_ _1\"></span>n fees. For p<span class=\"_ _1\"></span>urchased o<span class=\"_ _1\"></span>r originated cr<span class=\"_ _1\"></span>ed<span class=\"ws8\">it<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ed (\u2018POCI<span class=\"_ _1\"></span>\u2019) fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets </span>-<span class=\"_ _1\"></span> <span class=\"_ _10\"> </span><span class=\"ls9 ws120\">assets that a<span class=\"_ _1\"></span>re<span class=\"_ _0\"></span> </span></span></span>credit<span class=\"ls1 ws1\">-</span><span class=\"ws37\">impair<span class=\"_ _1\"></span>ed at initial recogn<span class=\"_ _1\"></span>ition <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span></span>the Group calculat<span class=\"_ _1\"></span>es the credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">adj<span class=\"_ _1\"></span>usted<span class=\"_ _1\"></span> effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te, </span></span></span>which is calcu<span class=\"_ _1\"></span>lated bas<span class=\"_ _1\"></span>ed on the amortised co<span class=\"_ _1\"></span>st of the financial a<span class=\"_ _1\"></span>sset ins<span class=\"_ _1\"></span>tead of its gross c<span class=\"ls8 ws2d\">arrying am<span class=\"_ _0\"></span>ount </span>and<span class=\"_ _1\"></span> incorp<span class=\"_ _1\"></span>orates<span class=\"_ _1\"></span> the imp<span class=\"_ _1\"></span>act of expec<span class=\"_ _1\"></span>ted c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> in est<span class=\"_ _1\"></span>imated fu<span class=\"_ _1\"></span>ture ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.16 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls5 ws6\">Fees an<span class=\"_ _1\"></span>d commis<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s</span> </span>Fee and<span class=\"_ _1\"></span> commis<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span> income<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e that<span class=\"_ _1\"></span> are an i<span class=\"_ _1\"></span>ntegral p<span class=\"_ _1\"></span>art of t<span class=\"_ _1\"></span>he effe<span class=\"_ _1\"></span>ctive in<span class=\"_ _1\"></span>teres<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e on a financial as<span class=\"_ _1\"></span>set or liability<span class=\"_ _1\"></span> are included in the calculat<span class=\"_ _1\"></span>ion of the effective interes<span class=\"_ _1\"></span>t rate and treated as<span class=\"_ _1\"></span> part of effectiv<span class=\"_ _1\"></span>e inter<span class=\"_ _1\"></span>est.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span>Other f<span class=\"_ _0\"></span>ees and com<span class=\"_ _0\"></span>missions<span class=\"_ _0\"></span> are g<span class=\"_ _0\"></span>ener<span class=\"_ _0\"></span>ally recog<span class=\"_ _0\"></span>nised on an ac<span class=\"_ _0\"></span>crual basi<span class=\"_ _11\"></span>s when the se<span class=\"_ _0\"></span>rvice ha<span class=\"_ _0\"></span>s been provid<span class=\"_ _1\"></span>ed. Accordingly,<span class=\"_ _1\"></span> fee and commission in<span class=\"_ _1\"></span>come, comprising accoun<span class=\"_ _1\"></span>t servicing fees, inv<span class=\"_ _1\"></span>estment manag<span class=\"_ _1\"></span>ement fe<span class=\"_ _1\"></span>es, p<span class=\"_ _1\"></span>lacemen<span class=\"_ _1\"></span>t fees<span class=\"_ _1\"></span> and o<span class=\"_ _1\"></span>ther s<span class=\"_ _1\"></span>imilar f<span class=\"_ _1\"></span>ees<span class=\"_ _1\"></span>, are reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> as th<span class=\"_ _1\"></span>e relat<span class=\"_ _1\"></span>ed ser<span class=\"_ _1\"></span>vices a<span class=\"_ _1\"></span>re perform<span class=\"_ _1\"></span>ed. <span class=\"ls1 ws1\"> </span>Loan<span class=\"_ _1\"></span> commitm<span class=\"_ _1\"></span>ent fe<span class=\"_ _1\"></span>es for lo<span class=\"_ _1\"></span>ans t<span class=\"_ _1\"></span>hat are li<span class=\"_ _1\"></span>kely to<span class=\"_ _1\"></span> be dra<span class=\"_ _1\"></span>wn down<span class=\"_ _1\"></span> are def<span class=\"_ _1\"></span>erred (t<span class=\"_ _1\"></span>ogeth<span class=\"_ _1\"></span>er wit<span class=\"_ _1\"></span>h relat<span class=\"_ _1\"></span>ed direct<span class=\"_ _1\"></span> cost<span class=\"_ _1\"></span>s) and<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ised a<span class=\"_ _1\"></span>s an a<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>tment t<span class=\"_ _1\"></span>o the e<span class=\"_ _1\"></span>ffecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> rate on<span class=\"_ _1\"></span> the loa<span class=\"_ _1\"></span>n. Wh<span class=\"_ _1\"></span>en a l<span class=\"_ _1\"></span>oan<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span> is no<span class=\"_ _1\"></span>t expect<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> resul<span class=\"_ _1\"></span>t in th<span class=\"_ _1\"></span>e dr<span class=\"_ _1\"></span>awdown<span class=\"_ _1\"></span> of a <span class=\"_ _1\"></span>loan<span class=\"_ _1\"></span>, the rel<span class=\"_ _1\"></span>ated<span class=\"_ _1\"></span> loan<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment f<span class=\"_ _1\"></span>ees a<span class=\"_ _1\"></span>re rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed on<span class=\"_ _1\"></span> a straigh<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">line ba<span class=\"_ _1\"></span>sis o<span class=\"_ _1\"></span>ver th<span class=\"_ _1\"></span>e commitment<span class=\"_ _1\"></span> period<span class=\"_ _1\"></span>. </span> </span>Fee and<span class=\"_ _1\"></span> commis<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e, rela<span class=\"_ _1\"></span>ting mai<span class=\"_ _1\"></span>nly to<span class=\"_ _1\"></span> tran<span class=\"_ _1\"></span>sactio<span class=\"_ _1\"></span>n and s<span class=\"_ _1\"></span>ervice fees<span class=\"_ _1\"></span>, are exp<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>d as<span class=\"_ _1\"></span> the serv<span class=\"_ _1\"></span>ices are rec<span class=\"_ _1\"></span>eived.<span class=\"_ _bc\"> </span>1.17 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls7\">Postal sales and other re<span class=\"_ _0\"></span>venue<span class=\"ls1\"> </span></span></span>Post<span class=\"_ _1\"></span>al sa<span class=\"_ _1\"></span>les and ser<span class=\"_ _1\"></span>vice reven<span class=\"_ _1\"></span>ue comp<span class=\"_ _1\"></span>rises<span class=\"_ _1\"></span> the fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e of the cons<span class=\"_ _1\"></span>idera<span class=\"_ _1\"></span>tion r<span class=\"_ _1\"></span>eceived o<span class=\"_ _1\"></span>r receiva<span class=\"_ _1\"></span>ble for<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>ale of ser<span class=\"_ _1\"></span>vices<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e ordi<span class=\"_ _1\"></span>nar<span class=\"_ _1\"></span>y cour<span class=\"_ _1\"></span>se of th<span class=\"_ _1\"></span>e sub<span class=\"_ _1\"></span>sidia<span class=\"_ _1\"></span>ry\u2019s ac<span class=\"_ _1\"></span>tiviti<span class=\"_ _1\"></span>es.  R<span class=\"_ _1\"></span>evenue i<span class=\"_ _1\"></span>s sh<span class=\"_ _1\"></span>own n<span class=\"_ _1\"></span>et of s<span class=\"_ _1\"></span>ales ta<span class=\"_ _1\"></span>xes and discou<span class=\"_ _0\"></span>nts. It c<span class=\"_ _0\"></span>ompri<span class=\"_ _0\"></span>ses re<span class=\"_ _0\"></span>venue d<span class=\"ls5 ws2a\">irectly receiv<span class=\"_ _1\"></span>ed from <span class=\"_ _1\"></span>cust<span class=\"_ _1\"></span>omers, c<span class=\"_ _1\"></span>ommiss<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> earned on<span class=\"_ _1\"></span> posta<span class=\"_ _1\"></span>l and </span>non<span class=\"ls1 ws1\">-</span><span class=\"ws122\">postal transactions and<span class=\"_ _0\"></span> income f<span class=\"_ _0\"></span>rom foreig<span class=\"_ _0\"></span>n outbound mail recei<span class=\"_ _0\"></span>vable from overseas postal<span class=\"_ _0\"></span> </span>administrators.  <span class=\"ls1 ws1\"> </span>Income fr<span class=\"_ _0\"></span>om sale of stam<span class=\"_ _0\"></span>ps, commi<span class=\"_ _0\"></span>ssions earned on postal<span class=\"_ _0\"></span> and non<span class=\"ls1 ws1\">-<span class=\"ls8 ws15\">posta<span class=\"_ _0\"></span>l tra<span class=\"_ _0\"></span>nsaction<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>venue f<span class=\"_ _0\"></span>rom </span></span>foreign<span class=\"_ _1\"></span> outb<span class=\"_ _1\"></span>ound<span class=\"_ _1\"></span> mail fro<span class=\"_ _1\"></span>m over<span class=\"_ _1\"></span>seas p<span class=\"_ _1\"></span>ost<span class=\"_ _1\"></span>al admini<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>ors are rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed wh<span class=\"_ _1\"></span>en the s<span class=\"_ _1\"></span>ervice is<span class=\"_ _1\"></span> rend<span class=\"_ _1\"></span>ered.<span class=\"_ _1\"></span> Allowan<span class=\"_ _1\"></span>ce is <span class=\"_ _1\"></span>made for<span class=\"_ _1\"></span> the a<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span>sed a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> of reven<span class=\"_ _1\"></span>u<span class=\"ls8 ws5c\">e from<span class=\"_ _0\"></span> prepaid pr<span class=\"_ _0\"></span>oduct sale<span class=\"_ _0\"></span>s at the<span class=\"_ _0\"></span> end of the </span>reporti<span class=\"_ _0\"></span>ng peri<span class=\"_ _0\"></span>od for w<span class=\"_ _0\"></span>hich the ser<span class=\"_ _0\"></span>vice has not<span class=\"_ _0\"></span> yet bee<span class=\"_ _0\"></span>n provi<span class=\"_ _0\"></span>ded.<span class=\"ls1 ws1\"> </span>IFRS 15 requires th<span class=\"_ _1\"></span>at at cont<span class=\"_ _1\"></span>ract inception th<span class=\"_ _1\"></span>e goods or services promis<span class=\"_ _1\"></span>ed in a cont<span class=\"_ _1\"></span>ract with a customer are as<span class=\"_ _1\"></span>sess<span class=\"_ _1\"></span>ed and ea<span class=\"_ _1\"></span>ch promis<span class=\"_ _1\"></span>e to tra<span class=\"_ _1\"></span>nsfer t<span class=\"_ _1\"></span>o the cu<span class=\"_ _1\"></span>stomer th<span class=\"_ _1\"></span>e good<span class=\"_ _1\"></span> or serv<span class=\"_ _1\"></span>ice is i<span class=\"_ _1\"></span>dentifi<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span> performanc<span class=\"_ _1\"></span>e obligation. P<span class=\"_ _1\"></span>romises in<span class=\"_ _1\"></span> a contract ca<span class=\"_ _1\"></span>n be expli<span class=\"_ _1\"></span>cit or implicit i<span class=\"_ _1\"></span>f the promis<span class=\"_ _1\"></span>es create a valid<span class=\"_ _1\"></span> expec<span class=\"_ _0\"></span>tation to pr<span class=\"_ _0\"></span>ovide a<span class=\"_ _0\"></span> good<span class=\"_ _0\"></span> or servic<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>sed on t<span class=\"_ _0\"></span>he custo<span class=\"_ _0\"></span>mary busi<span class=\"_ _0\"></span>ness prac<span class=\"_ _0\"></span>tice<span class=\"_ _0\"></span>s, publi<span class=\"_ _0\"></span>shed pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s or speci<span class=\"_ _1\"></span>fic sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>A cont<span class=\"_ _1\"></span>ract as<span class=\"_ _1\"></span>set mu<span class=\"_ _1\"></span>st be r<span class=\"_ _1\"></span>ecogn<span class=\"_ _1\"></span>ised i<span class=\"_ _1\"></span>f the comp<span class=\"_ _1\"></span>any r<span class=\"_ _1\"></span>ecord<span class=\"_ _1\"></span>ed reven<span class=\"_ _1\"></span>ue for <span class=\"_ _1\"></span>fulfil<span class=\"_ _1\"></span>ment <span class=\"_ _1\"></span>of a co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual performa<span class=\"_ _1\"></span>nce o<span class=\"_ _1\"></span>bliga<span class=\"_ _1\"></span>tion b<span class=\"_ _1\"></span>efore t<span class=\"_ _1\"></span>he cus<span class=\"_ _1\"></span>tomer pa<span class=\"_ _1\"></span>id con<span class=\"_ _1\"></span>sider<span class=\"_ _1\"></span>ati<span class=\"_ _1\"></span>on or b<span class=\"_ _1\"></span>efore, ir<span class=\"_ _1\"></span>respect<span class=\"_ _1\"></span>ive o<span class=\"_ _1\"></span>f when<span class=\"_ _1\"></span> paym<span class=\"_ _1\"></span>ent is due, the<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts for bil<span class=\"_ _0\"></span>ling and the<span class=\"_ _0\"></span> conseque<span class=\"_ _0\"></span>n<span class=\"ls6 ws7\">t recognition o<span class=\"_ _1\"></span>f a receivable exis<span class=\"_ _1\"></span>t. </span>A contrac<span class=\"_ _0\"></span>t liabil<span class=\"_ _0\"></span>ity must be<span class=\"_ _0\"></span> rec<span class=\"_ _0\"></span>ognised w<span class=\"_ _0\"></span>hen the c<span class=\"_ _0\"></span>ustomer paid consi<span class=\"_ _0\"></span>deratio<span class=\"_ _0\"></span>n or a rec<span class=\"_ _11\"></span>eivable from<span class=\"_ _0\"></span> the custome<span class=\"_ _0\"></span>r is due be<span class=\"_ _0\"></span>fore the<span class=\"_ _0\"></span> company fulf<span class=\"_ _0\"></span>illed a c<span class=\"_ _0\"></span>ontractual<span class=\"_ _0\"></span> perfo<span class=\"_ _0\"></span>rmance obl<span class=\"_ _0\"></span>igation a<span class=\"_ _0\"></span>nd hence<span class=\"_ _0\"></span> recognised revenue<span class=\"_ _0\"></span>, such as in t<span class=\"_ _0\"></span>he case<span class=\"_ _0\"></span> of pre<span class=\"_ _0\"></span>paid stamps.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The Group me<span class=\"_ _0\"></span>asures re<span class=\"_ _0\"></span>venue on a basis that r<span class=\"_ _0\"></span>efl<span class=\"_ _0\"></span>ects the amount of<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>ration that it e<span class=\"_ _0\"></span>xpect<span class=\"_ _0\"></span>s to be entit<span class=\"_ _1\"></span>led to; t<span class=\"_ _1\"></span>his mea<span class=\"_ _1\"></span>sure<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span> of reven<span class=\"_ _1\"></span>ue is h<span class=\"_ _1\"></span>owever <span class=\"_ _1\"></span>limit<span class=\"_ _1\"></span>ed to a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>s to wh<span class=\"_ _1\"></span>ich t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p has enforc<span class=\"_ _0\"></span>eable ri<span class=\"_ _0\"></span>ghts, and it e<span class=\"_ _0\"></span>xclude<span class=\"_ _0\"></span>s amounts col<span class=\"_ _0\"></span>lect<span class=\"_ _0\"></span>ed on beh<span class=\"ls5 ws6\">alf of third<span class=\"_ _1\"></span> parti<span class=\"_ _1\"></span>es. <span class=\"ls1 ws1\"> </span></span>Revenu<span class=\"_ _1\"></span>e is reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> when t<span class=\"_ _1\"></span>he Gro<span class=\"_ _1\"></span>up sa<span class=\"_ _1\"></span>tisfies<span class=\"_ _1\"></span> a perfo<span class=\"_ _1\"></span>rmance o<span class=\"_ _1\"></span>bligat<span class=\"_ _1\"></span>ion,<span class=\"_ _1\"></span> which o<span class=\"_ _1\"></span>ccurs<span class=\"_ _1\"></span> when it tra<span class=\"_ _1\"></span>nsfers<span class=\"_ _1\"></span> control of a promi<span class=\"_ _0\"></span>sed good or servic<span class=\"_ _0\"></span>e to a customer<span class=\"_ _0\"></span>. Control of a prom<span class=\"_ _0\"></span>ised good or se<span class=\"_ _0\"></span>rvice is transfe<span class=\"_ _0\"></span>rred to a cu<span class=\"_ _1\"></span>stomer wh<span class=\"_ _1\"></span>en the cu<span class=\"_ _1\"></span>stomer<span class=\"_ _1\"></span> is ab<span class=\"_ _1\"></span>le to di<span class=\"_ _1\"></span>rect the u<span class=\"_ _1\"></span>se of the p<span class=\"_ _1\"></span>romis<span class=\"_ _1\"></span>ed good<span class=\"_ _1\"></span> or servi<span class=\"_ _1\"></span>ce. A perfo<span class=\"_ _1\"></span>rmanc<span class=\"_ _1\"></span>e obligation<span class=\"_ _1\"></span> is satisfied at a point in time unles<span class=\"_ _1\"></span>s it meets certain criteria th<span class=\"_ _1\"></span>at indicate that it is satis<span class=\"_ _1\"></span>fied over time.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.18<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ls5 ws6\">Curren<span class=\"_ _1\"></span>t and<span class=\"_ _1\"></span> deferred i<span class=\"_ _1\"></span>nco<span class=\"_ _1\"></span>me tax<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>The tax<span class=\"_ _0\"></span> expense f<span class=\"_ _0\"></span>or the period co<span class=\"_ _0\"></span>mprise<span class=\"_ _0\"></span>s current<span class=\"_ _0\"></span> and deferr<span class=\"_ _0\"></span>ed tax. Tax<span class=\"_ _0\"></span> is recogni<span class=\"_ _0\"></span>sed in profit<span class=\"_ _0\"></span> or loss, except t<span class=\"_ _1\"></span>o the <span class=\"_ _1\"></span>extent<span class=\"_ _1\"></span> that i<span class=\"_ _1\"></span>t rela<span class=\"_ _1\"></span>tes to<span class=\"_ _1\"></span> items rec<span class=\"_ _1\"></span>ogn<span class=\"_ _1\"></span>ised in<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> compreh<span class=\"_ _1\"></span>ens<span class=\"_ _1\"></span>ive inc<span class=\"_ _1\"></span>ome or <span class=\"_ _1\"></span>direc<span class=\"_ _1\"></span>tly in<span class=\"_ _1\"></span> equity<span class=\"_ _1\"></span>. In the latter case<span class=\"_ _0\"></span>, the tax is also recogn<span class=\"ls8 ws20\">ise<span class=\"_ _0\"></span>d in other com<span class=\"_ _0\"></span>prehe<span class=\"_ _0\"></span>nsive income<span class=\"_ _0\"></span> or direc<span class=\"_ _0\"></span>tly in equi<span class=\"_ _0\"></span>ty, </span>respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>urrent i<span class=\"_ _0\"></span>ncome<span class=\"_ _0\"></span> tax charg<span class=\"_ _0\"></span>e is cal<span class=\"_ _0\"></span>culate<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> basis<span class=\"_ _0\"></span> of <span class=\"_ _0\"></span>the tax l<span class=\"_ _0\"></span>aws<span class=\"_ _0\"></span> enacte<span class=\"_ _0\"></span>d or subst<span class=\"_ _0\"></span>antive<span class=\"_ _0\"></span>ly enact<span class=\"_ _0\"></span>ed at the e<span class=\"_ _0\"></span>nd of the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> perio<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span>Deferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax i<span class=\"_ _1\"></span>s recognis<span class=\"_ _1\"></span>ed, us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e liabilit<span class=\"_ _1\"></span>y metho<span class=\"_ _1\"></span>d, on temp<span class=\"_ _1\"></span>orary<span class=\"_ _1\"></span> differen<span class=\"_ _1\"></span>ces a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g between the tax bases<span class=\"_ _1\"></span> of assets and liabilities and th<span class=\"_ _1\"></span>eir carrying amounts in<span class=\"_ _1\"></span> the consolidat<span class=\"_ _1\"></span>ed financial statements. However<span class=\"_ _1\"></span>, deferr<span class=\"_ _1\"></span>ed ta<span class=\"_ _1\"></span>x liabi<span class=\"_ _1\"></span>lities a<span class=\"_ _1\"></span>re not r<span class=\"ls6 ws49\">ecogn<span class=\"_ _1\"></span>ised if they arise from th<span class=\"_ _1\"></span>e initial recognition of go<span class=\"_ _1\"></span>odwill; </span>deferred inco<span class=\"_ _1\"></span>me tax is no<span class=\"_ _1\"></span>t accounted<span class=\"_ _1\"></span> for if it arises fro<span class=\"_ _1\"></span>m initia<span class=\"_ _1\"></span>l recognition o<span class=\"_ _1\"></span>f an asset o<span class=\"_ _1\"></span>r liability in<span class=\"_ _1\"></span> a transaction other than<span class=\"_ _0\"></span> a bu<span class=\"_ _0\"></span>siness combination that<span class=\"_ _0\"></span> at <span class=\"_ _0\"></span>the time<span class=\"_ _0\"></span> of the transaction<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls5 ws80\">a<span class=\"_ _1\"></span>ffects n<span class=\"_ _1\"></span>either </span></span>accounting<span class=\"_ _0\"></span> nor taxabl<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it or loss. D<span class=\"_ _0\"></span>efe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncome tax is de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ined using t<span class=\"_ _0\"></span>ax rates (and l<span class=\"_ _0\"></span>aws) that<span class=\"_ _0\"></span> have bee<span class=\"_ _0\"></span>n enacte<span class=\"_ _0\"></span>d or substantive<span class=\"_ _0\"></span>ly enac<span class=\"_ _0\"></span>ted by the<span class=\"_ _0\"></span> end of the repor<span class=\"_ _0\"></span>ting per<span class=\"_ _0\"></span>iod and are expe<span class=\"_ _0\"></span>cted to a<span class=\"_ _0\"></span>pply when th<span class=\"_ _1\"></span>e related<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red in<span class=\"_ _1\"></span>come t<span class=\"_ _1\"></span>ax as<span class=\"_ _1\"></span>set is<span class=\"_ _1\"></span> realis<span class=\"_ _1\"></span>ed or the d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax lia<span class=\"_ _1\"></span>bilit<span class=\"_ _1\"></span>y is s<span class=\"_ _1\"></span>ettled.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>Deferred<span class=\"_ _1\"></span> inco<span class=\"_ _1\"></span>me tax a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s are recogn<span class=\"_ _1\"></span>ised o<span class=\"_ _1\"></span>nly t<span class=\"_ _1\"></span>o the ext<span class=\"_ _1\"></span>ent th<span class=\"_ _1\"></span>at it is p<span class=\"_ _1\"></span>robab<span class=\"_ _1\"></span>le that<span class=\"_ _1\"></span> future ta<span class=\"_ _1\"></span>xable p<span class=\"_ _1\"></span>rofit<span class=\"_ _1\"></span> will be availab<span class=\"_ _1\"></span>le against whi<span class=\"_ _1\"></span>ch the tempo<span class=\"_ _1\"></span>rary differences<span class=\"_ _1\"></span> can be u<span class=\"_ _1\"></span>tilised. <span class=\"ls1 ws1\"> </span>Deferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax i<span class=\"_ _1\"></span>s pro<span class=\"_ _1\"></span>vided on<span class=\"_ _1\"></span> tempor<span class=\"_ _1\"></span>ary d<span class=\"_ _1\"></span>ifferenc<span class=\"_ _1\"></span>es aris<span class=\"_ _1\"></span>ing on<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ments i<span class=\"_ _1\"></span>n subsid<span class=\"_ _1\"></span>iaries<span class=\"_ _1\"></span>, except<span class=\"_ _1\"></span> for deferr<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span>come t<span class=\"_ _1\"></span>ax liab<span class=\"_ _1\"></span>ility<span class=\"_ _1\"></span> where th<span class=\"_ _1\"></span>e timing o<span class=\"_ _1\"></span>f the rev<span class=\"_ _1\"></span>ersa<span class=\"_ _1\"></span>l of the t<span class=\"_ _1\"></span>empora<span class=\"_ _1\"></span>ry differ<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ce is con<span class=\"_ _1\"></span>troll<span class=\"_ _1\"></span>ed by the Gr<span class=\"_ _0\"></span>oup and it i<span class=\"_ _0\"></span>s probabl<span class=\"_ _0\"></span>e that the<span class=\"_ _0\"></span> te<span class=\"ls5 ws6\">mporary d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>ce wil<span class=\"_ _1\"></span>l not<span class=\"_ _1\"></span> revers<span class=\"_ _1\"></span>e in the fo<span class=\"_ _1\"></span>res<span class=\"_ _1\"></span>eeable fut<span class=\"_ _1\"></span>ure.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Deferred<span class=\"_ _1\"></span> inco<span class=\"_ _1\"></span>me tax a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s and<span class=\"_ _1\"></span> liabi<span class=\"_ _1\"></span>lities a<span class=\"_ _1\"></span>re offs<span class=\"_ _1\"></span>et when<span class=\"_ _1\"></span> ther<span class=\"_ _1\"></span>e is a le<span class=\"_ _1\"></span>gally<span class=\"_ _1\"></span> enforc<span class=\"_ _1\"></span>eabl<span class=\"_ _1\"></span>e right<span class=\"_ _1\"></span> to of<span class=\"_ _1\"></span>fset<span class=\"_ _1\"></span> current tax a<span class=\"_ _1\"></span>ssets aga<span class=\"_ _1\"></span>inst current ta<span class=\"_ _1\"></span>x liabilities an<span class=\"_ _1\"></span>d when t<span class=\"_ _1\"></span>he deferred inco<span class=\"_ _1\"></span>me taxes ass<span class=\"_ _1\"></span>ets and li<span class=\"_ _1\"></span>abilities relate t<span class=\"_ _1\"></span>o inco<span class=\"_ _1\"></span>me tax<span class=\"_ _1\"></span>es lev<span class=\"_ _1\"></span>ied b<span class=\"_ _1\"></span>y th<span class=\"_ _1\"></span>e same<span class=\"ls1 ws1\"> <span class=\"ls8 ws15\">taxation autho<span class=\"_ _0\"></span>rity on ei<span class=\"_ _0\"></span>ther the<span class=\"_ _0\"></span> same t<span class=\"_ _0\"></span>axable entity or<span class=\"_ _0\"></span> diffe<span class=\"_ _0\"></span>rent </span></span>taxab<span class=\"_ _1\"></span>le enti<span class=\"_ _1\"></span>ties wher<span class=\"_ _1\"></span>e ther<span class=\"_ _1\"></span>e is a<span class=\"_ _1\"></span>n int<span class=\"_ _1\"></span>ention<span class=\"_ _1\"></span> to sett<span class=\"_ _1\"></span>le the ba<span class=\"_ _1\"></span>lances<span class=\"_ _1\"></span> on a n<span class=\"_ _1\"></span>et basi<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>1.19<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Financial gu<span class=\"_ _1\"></span>arantee contr<span class=\"_ _1\"></span>acts and<span class=\"_ _1\"></span> loan commitments<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Financia<span class=\"_ _0\"></span>l guarante<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>racts are<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>ts that<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span> the issue<span class=\"_ _0\"></span>r to<span class=\"_ _0\"></span> make spe<span class=\"_ _0\"></span>cifie<span class=\"_ _0\"></span>d payments t<span class=\"_ _0\"></span>o reim<span class=\"_ _0\"></span>burse the<span class=\"_ _0\"></span> holder for a<span class=\"_ _0\"></span> loss it incurs bec<span class=\"_ _0\"></span>ause a spec<span class=\"_ _0\"></span>ifie<span class=\"_ _0\"></span>d debtor<span class=\"_ _0\"></span> fails to m<span class=\"_ _0\"></span>ake paym<span class=\"_ _0\"></span>ents when due<span class=\"_ _0\"></span>, in accordanc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the te<span class=\"_ _0\"></span>rms of a debt<span class=\"_ _0\"></span> instrum<span class=\"_ _0\"></span>ent. S<span class=\"_ _0\"></span>uch <span class=\"ls6 ws39\">financial guaran<span class=\"_ _1\"></span>tees are given to b<span class=\"_ _1\"></span>anks, finan<span class=\"_ _1\"></span>cial </span>institutions<span class=\"_ _0\"></span> and ot<span class=\"_ _0\"></span>her bodie<span class=\"_ _0\"></span>s on be<span class=\"_ _0\"></span>half of<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs.<span class=\"_ _bc\"> </span>In the ordi<span class=\"_ _0\"></span>nary course<span class=\"_ _0\"></span> of busi<span class=\"_ _0\"></span>ness, the B<span class=\"_ _0\"></span>ank issues f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al guar<span class=\"_ _0\"></span>antee c<span class=\"_ _0\"></span>ontract<span class=\"_ _0\"></span>s, consisting o<span class=\"_ _0\"></span>f let<span class=\"_ _0\"></span>ters of credit<span class=\"_ _0\"></span>, guarante<span class=\"_ _0\"></span>es and acc<span class=\"_ _0\"></span>eptance<span class=\"_ _0\"></span>s.  <span class=\"ls1 ws1\"> </span>Financia<span class=\"_ _0\"></span>l guarante<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>racts are<span class=\"_ _0\"></span> initia<span class=\"_ _0\"></span>lly me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easur<span class=\"_ _0\"></span>ed at hig<span class=\"_ _0\"></span>her<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">of:</span> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">the amount<span class=\"_ _1\"></span> of the loss a<span class=\"_ _1\"></span>llowance (calculated<span class=\"_ _1\"></span> as describ<span class=\"_ _1\"></span>ed in no<span class=\"_ _1\"></span>te 1.4.3); and</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws52\">the premiu<span class=\"_ _1\"></span>m received on in<span class=\"_ _1\"></span>itial recogn<span class=\"_ _1\"></span>ition l<span class=\"_ _1\"></span>ess income rec<span class=\"_ _1\"></span>ognised in<span class=\"_ _1\"></span> accordan<span class=\"_ _1\"></span>ce with the prin<span class=\"_ _1\"></span>ciples of<span class=\"_ _1\"></span> </span></span>IFRS 15.<span class=\"ls1 ws1\"> </span>'Loan<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s' are th<span class=\"_ _1\"></span>e B<span class=\"_ _1\"></span>ank\u2019<span class=\"_ _1\"></span>s commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> to pr<span class=\"_ _1\"></span>ovi<span class=\"_ _1\"></span>de credi<span class=\"_ _1\"></span>t und<span class=\"_ _1\"></span>er pre<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>speci<span class=\"_ _1\"></span>fied ter<span class=\"_ _1\"></span>ms an<span class=\"_ _1\"></span>d conditions, a<span class=\"_ _0\"></span>nd are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d at the a<span class=\"_ _0\"></span>mount of<span class=\"_ _0\"></span> the loss all<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>ance (c<span class=\"_ _0\"></span>alculate<span class=\"_ _0\"></span>d as describe<span class=\"_ _0\"></span>d in note<span class=\"_ _0\"></span> 1.4.3<span class=\"_ _0\"></span>).<span class=\"ls1 ws1\"> </span>For loan commitment<span class=\"_ _1\"></span>s and financia<span class=\"_ _1\"></span>l guarantee con<span class=\"_ _1\"></span>tracts, the loss allowance is<span class=\"_ _1\"></span> recognised as a prov<span class=\"_ _1\"></span>ision. Howeve<span class=\"_ _0\"></span>r, for<span class=\"_ _0\"></span> contract<span class=\"_ _0\"></span>s that include<span class=\"_ _0\"></span> both a loan a<span class=\"_ _0\"></span>nd an <span class=\"_ _0\"></span>undrawn co<span class=\"_ _0\"></span>mmitme<span class=\"_ _0\"></span>nt and the B<span class=\"_ _0\"></span>ank cannot separate<span class=\"_ _0\"></span>ly identi<span class=\"_ _0\"></span>fy the e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted cr<span class=\"_ _0\"></span>edit losse<span class=\"_ _0\"></span>s on the<span class=\"_ _0\"></span> und<span class=\"ls5 ws22\">rawn commit<span class=\"_ _1\"></span>ment c<span class=\"_ _1\"></span>ompon<span class=\"_ _1\"></span>ent fr<span class=\"_ _1\"></span>om that<span class=\"_ _1\"></span> on the </span>loan com<span class=\"_ _0\"></span>ponent, the<span class=\"_ _0\"></span> expected c<span class=\"_ _0\"></span>redit l<span class=\"_ _0\"></span>osses on the undr<span class=\"_ _0\"></span>awn commi<span class=\"_ _0\"></span>tment are<span class=\"_ _0\"></span> recogni<span class=\"_ _0\"></span>sed togethe<span class=\"_ _0\"></span>r with the lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e for the lo<span class=\"_ _1\"></span>an. To th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> that th<span class=\"_ _1\"></span>e combin<span class=\"_ _1\"></span>ed expect<span class=\"_ _1\"></span>ed credi<span class=\"_ _1\"></span>t loss<span class=\"_ _1\"></span>es exceed<span class=\"_ _1\"></span> the gro<span class=\"_ _1\"></span>ss carrying a<span class=\"ls5 ws6\">mo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the lo<span class=\"_ _1\"></span>an, the ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>es are rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span> prov<span class=\"_ _1\"></span>ision<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></span>1.20<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Dividend d<span class=\"_ _1\"></span>istribu<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\"> </span></span>Dividend di<span class=\"_ _0\"></span>stribution t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span> Bank\u2019s sha<span class=\"_ _0\"></span>reholde<span class=\"_ _0\"></span>rs is rec<span class=\"_ _0\"></span>ognise<span class=\"_ _0\"></span>d as a liabil<span class=\"_ _0\"></span>ity in t<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup\u2019s financi<span class=\"_ _0\"></span>al stateme<span class=\"_ _0\"></span>nts in the<span class=\"_ _0\"></span> period i<span class=\"_ _0\"></span>n which the<span class=\"_ _0\"></span> divide<span class=\"_ _0\"></span>nds are appro<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>d by the Bank<span class=\"_ _0\"></span>\u2019s share<span class=\"_ _0\"></span>holders<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>1.21<span class=\"ls1 ws1\"> <span class=\"_ _9d\"> </span><span class=\"ls5 ws6\">Seg<span class=\"_ _1\"></span>ment r<span class=\"_ _1\"></span>eporti<span class=\"_ _1\"></span>ng</span> </span>Operati<span class=\"_ _0\"></span>ng segm<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> repor<span class=\"_ _0\"></span>ted in a<span class=\"_ _0\"></span> manne<span class=\"_ _0\"></span>r consiste<span class=\"_ _0\"></span>nt w<span class=\"_ _0\"></span>ith the int<span class=\"_ _0\"></span>ernal<span class=\"_ _0\"></span> repor<span class=\"_ _0\"></span>ting provi<span class=\"_ _11\"></span>ded to the Boa<span class=\"_ _0\"></span>rd of Directors which<span class=\"_ _1\"></span> is the Grou<span class=\"_ _1\"></span>p\u2019s chief op<span class=\"_ _1\"></span>erating decisio<span class=\"_ _1\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">maker.</span> </span>An op<span class=\"_ _1\"></span>eratin<span class=\"_ _1\"></span>g segment<span class=\"_ _1\"></span>\u2019s op<span class=\"_ _1\"></span>eratin<span class=\"_ _1\"></span>g resu<span class=\"_ _1\"></span>lts ar<span class=\"_ _1\"></span>e reviewed r<span class=\"_ _1\"></span>egularl<span class=\"_ _1\"></span>y by t<span class=\"_ _1\"></span>he Boar<span class=\"_ _1\"></span>d of Directo<span class=\"_ _1\"></span>rs to ma<span class=\"_ _1\"></span>ke decis<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> abou<span class=\"_ _1\"></span>t resou<span class=\"_ _1\"></span>rces to b<span class=\"_ _1\"></span>e alloca<span class=\"_ _1\"></span>ted to<span class=\"_ _1\"></span> the segm<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> to asses<span class=\"_ _1\"></span>s its<span class=\"_ _1\"></span> performan<span class=\"_ _1\"></span>ce ex<span class=\"_ _1\"></span>ecutin<span class=\"_ _1\"></span>g the function o<span class=\"_ _1\"></span>f the chief operatin<span class=\"_ _1\"></span>g decision<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ls5\">maker. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-6": {
   "value": "1.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Su<span class=\"_ _1\"></span>mmary of<span class=\"_ _1\"></span> materi<span class=\"_ _1\"></span>al accou<span class=\"_ _1\"></span>nting poli<span class=\"_ _1\"></span>cies<span class=\"_ _bc\"> </span></span></span>1.1<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span><span class=\"ls7\">Basis of preparation</span></span><span class=\"ls1 ws1\"> </span>Th<span class=\"_ _1\"></span>e Ban<span class=\"_ _1\"></span>k\u2019s fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al s<span class=\"_ _1\"></span>tatemen<span class=\"_ _1\"></span>ts ha<span class=\"_ _1\"></span>ve <span class=\"ls8 ws4f\">been prepared in ac<span class=\"_ _0\"></span>cordanc<span class=\"_ _0\"></span>e with the<span class=\"_ _0\"></span> requireme<span class=\"_ _0\"></span>nts of </span>Internati<span class=\"_ _0\"></span>onal Fina<span class=\"_ _0\"></span>ncial R<span class=\"_ _0\"></span>eporting St<span class=\"_ _0\"></span>andards (\u2018IF<span class=\"_ _0\"></span>RSs\u2019) as ado<span class=\"_ _0\"></span>pted by the EU<span class=\"_ _0\"></span> and with the re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents of the Banking Act 1994 (Ch<span class=\"_ _1\"></span>apter 37<span class=\"_ _1\"></span>1 of the Laws of Ma<span class=\"_ _1\"></span>lta) and the Compan<span class=\"_ _1\"></span>ies Act, 1995 (Cha<span class=\"_ _1\"></span>pter 386 of<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls5 ws2b\">the Laws<span class=\"_ _1\"></span> </span></span>of Malta<span class=\"_ _0\"></span>).",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-478": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs8 fc0 sc0 ls1 ws1 gs44\">1.3.1<span class=\"fs1\"> <span class=\"_ _89\"> </span><span class=\"ls8 wsa\">Functi<span class=\"_ _0\"></span>onal and pre<span class=\"_ _0\"></span>sentation c<span class=\"_ _11\"></span>urrency<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs45\">Items i<span class=\"_ _1\"></span>nclud<span class=\"_ _1\"></span>ed in t<span class=\"_ _1\"></span>he finan<span class=\"_ _1\"></span>cial sta<span class=\"_ _1\"></span>tements<span class=\"_ _1\"></span> of each<span class=\"_ _1\"></span> of the Grou<span class=\"_ _1\"></span>p\u2019s enti<span class=\"_ _1\"></span>ties ar<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ed usin<span class=\"_ _1\"></span>g the cur<span class=\"_ _1\"></span>rency </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs46\">of the pr<span class=\"_ _0\"></span>imary e<span class=\"_ _0\"></span>conomi<span class=\"_ _0\"></span>c envir<span class=\"_ _0\"></span>onment<span class=\"_ _0\"></span> in whic<span class=\"_ _0\"></span>h the enti<span class=\"_ _0\"></span>ty o<span class=\"_ _0\"></span>perate<span class=\"_ _0\"></span>s (the<span class=\"_ _0\"></span> Bank\u2019s \u2018<span class=\"_ _0\"></span>functiona<span class=\"_ _11\"></span>l currency\u2019). T<span class=\"_ _0\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs47\">cons<span class=\"_ _1\"></span>olida<span class=\"_ _1\"></span>ted fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements a<span class=\"_ _1\"></span>re pres<span class=\"_ _1\"></span>en<span class=\"ls8 wsb\">ted in eur<span class=\"_ _0\"></span>o (\u20ac<span class=\"_ _0\"></span>), whi<span class=\"_ _0\"></span>ch is the B<span class=\"_ _0\"></span>ank\u2019s f<span class=\"_ _0\"></span>unctio<span class=\"_ _0\"></span>nal curr<span class=\"_ _0\"></span>ency an<span class=\"_ _0\"></span>d </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs48\">the Gr<span class=\"_ _0\"></span>oup\u2019s present<span class=\"_ _0\"></span>ation curr<span class=\"_ _11\"></span>ency.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-7": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.2 <span class=\"ls1 ws1\"> <span class=\"_ _51\"> </span><span class=\"ls5 ws6\">I<span class=\"_ _1\"></span>nves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> in asso<span class=\"_ _1\"></span>ciates<span class=\"_ _1\"></span></span> </span>Associat<span class=\"_ _1\"></span>es are all entiti<span class=\"_ _1\"></span>es ove<span class=\"_ _1\"></span>r which the Gro<span class=\"_ _1\"></span>up has s<span class=\"_ _1\"></span>ignifican<span class=\"_ _1\"></span>t influence but<span class=\"_ _1\"></span> not contro<span class=\"_ _1\"></span>l or join<span class=\"_ _1\"></span>t control,<span class=\"_ _1\"></span> gener<span class=\"_ _0\"></span>ally accom<span class=\"_ _0\"></span>panying a share<span class=\"_ _0\"></span>holding<span class=\"_ _0\"></span> of betwee<span class=\"_ _0\"></span>n 20% and 50% of the<span class=\"_ _0\"></span> voting right<span class=\"_ _0\"></span>s. Investm<span class=\"_ _0\"></span>ents in ass<span class=\"_ _1\"></span>ociates<span class=\"_ _1\"></span> are acc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span>ed for usi<span class=\"_ _1\"></span>ng the eq<span class=\"_ _1\"></span>uity met<span class=\"ls8 ws117\">hod of accounting in t<span class=\"_ _0\"></span>he consol<span class=\"_ _0\"></span>idate<span class=\"_ _0\"></span>d financ<span class=\"_ _0\"></span>ial </span>stateme<span class=\"_ _0\"></span>nts. Unde<span class=\"_ _0\"></span>r the equit<span class=\"_ _0\"></span>y method of<span class=\"_ _0\"></span> account<span class=\"_ _0\"></span>ing, the<span class=\"_ _0\"></span> investment i<span class=\"_ _0\"></span>s initial<span class=\"_ _0\"></span>ly rec<span class=\"_ _0\"></span>ognised at cost,<span class=\"_ _0\"></span> and the<span class=\"_ _0\"></span> carrying<span class=\"_ _0\"></span> amount is a<span class=\"_ _0\"></span>djusted <span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>hereaf<span class=\"_ _0\"></span>ter to re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span> the G<span class=\"_ _0\"></span>roup\u2019s share of<span class=\"_ _0\"></span> the po<span class=\"_ _0\"></span>st<span class=\"ls1 ws1\">-<span class=\"ls6 ws34\">acquisition pr<span class=\"_ _1\"></span>ofits</span> <span class=\"_ _14\"></span><span class=\"ls1a ws77\">o<span class=\"_ _1\"></span>r </span></span>loss<span class=\"_ _1\"></span>es of th<span class=\"_ _1\"></span>e inv<span class=\"_ _1\"></span>estee in p<span class=\"_ _1\"></span>ro<span class=\"_ _1\"></span>fit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>, and<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> shar<span class=\"_ _1\"></span>e of move<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> in oth<span class=\"_ _1\"></span>er co<span class=\"_ _1\"></span>mpreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e incom<span class=\"_ _1\"></span>e of the i<span class=\"_ _1\"></span>nvest<span class=\"_ _1\"></span>ee in other<span class=\"_ _1\"></span> compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income.<span class=\"_ _1\"></span> The Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ment in as<span class=\"_ _1\"></span>socia<span class=\"_ _1\"></span>tes includ<span class=\"_ _1\"></span>es good<span class=\"_ _1\"></span>will identified on<span class=\"_ _1\"></span> acquisitio<span class=\"_ _1\"></span>n. Dividend<span class=\"_ _1\"></span>s received or receivab<span class=\"_ _1\"></span>le from as<span class=\"_ _1\"></span>sociates a<span class=\"_ _1\"></span>re recognised as<span class=\"_ _1\"></span> a reduction i<span class=\"_ _1\"></span>n the carr<span class=\"_ _0\"></span>ying am<span class=\"_ _0\"></span>ount of the<span class=\"_ _0\"></span> investm<span class=\"_ _0\"></span>ent.<span class=\"ls1 ws1\"> </span>When the Gr<span class=\"_ _0\"></span>oup\u2019s share of<span class=\"_ _0\"></span> losses in an associat<span class=\"_ _0\"></span>e equal<span class=\"_ _0\"></span>s or excee<span class=\"_ _0\"></span>ds its inte<span class=\"_ _0\"></span>rest in the assoc<span class=\"_ _0\"></span>iate, i<span class=\"_ _0\"></span>ncluding<span class=\"_ _0\"></span> any other u<span class=\"_ _0\"></span>nsecur<span class=\"_ _0\"></span>ed rec<span class=\"_ _0\"></span>eivable<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>roup does <span class=\"_ _0\"></span>not rec<span class=\"_ _0\"></span>ognise<span class=\"_ _0\"></span> furthe<span class=\"_ _0\"></span>r losses, <span class=\"_ _0\"></span>unless it<span class=\"_ _0\"></span> has i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d legal<span class=\"_ _0\"></span> or constructive obligati<span class=\"_ _0\"></span>ons or made payme<span class=\"_ _0\"></span>nts on behalf of the associate<span class=\"_ _0\"></span>.<span class=\"ff3 ls1\"> </span>The Grou<span class=\"_ _1\"></span>p det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>es at ea<span class=\"_ _1\"></span>ch r<span class=\"_ _1\"></span>eporti<span class=\"_ _1\"></span>ng dat<span class=\"_ _1\"></span>e whether<span class=\"_ _1\"></span> ther<span class=\"_ _1\"></span>e is an<span class=\"_ _1\"></span>y obj<span class=\"_ _1\"></span>ective ev<span class=\"_ _1\"></span>idence t<span class=\"_ _1\"></span>hat<span class=\"_ _1\"></span> the in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>t in th<span class=\"_ _1\"></span>e ass<span class=\"_ _1\"></span>ociate is<span class=\"_ _1\"></span> impai<span class=\"_ _1\"></span>red.<span class=\"_ _1\"></span> If th<span class=\"_ _1\"></span>is is<span class=\"_ _1\"></span> the cas<span class=\"_ _1\"></span>e, the<span class=\"_ _1\"></span> Group<span class=\"_ _1\"></span> calc<span class=\"_ _1\"></span>ulates<span class=\"_ _1\"></span> the a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>t of i<span class=\"_ _1\"></span>mpai<span class=\"_ _1\"></span>rment as<span class=\"_ _1\"></span> the differ<span class=\"_ _1\"></span>ence bet<span class=\"_ _1\"></span>ween<span class=\"_ _1\"></span> the reco<span class=\"_ _1\"></span>vera<span class=\"_ _1\"></span>ble amou<span class=\"_ _1\"></span>nt of t<span class=\"_ _1\"></span>he<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls6 ws61\">asso<span class=\"_ _1\"></span>ciate and its<span class=\"_ _1\"></span> carrying va<span class=\"_ _1\"></span>lue and recognises<span class=\"_ _1\"></span> the </span></span>amount adjac<span class=\"_ _0\"></span>ent to \u2018shar<span class=\"_ _0\"></span>e of pr<span class=\"_ _0\"></span>ofit/(<span class=\"_ _0\"></span>loss) of<span class=\"_ _0\"></span> investme<span class=\"_ _0\"></span>nt accounte<span class=\"_ _0\"></span>d for using<span class=\"_ _0\"></span> the equi<span class=\"_ _0\"></span>ty method\u2019 in the<span class=\"_ _0\"></span> income s<span class=\"_ _1\"></span>tatem<span class=\"_ _1\"></span>ent.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>Profit<span class=\"_ _0\"></span>s and losses re<span class=\"_ _0\"></span>sulting from<span class=\"_ _0\"></span> upstream<span class=\"_ _0\"></span> and downstream<span class=\"_ _0\"></span> transact<span class=\"_ _0\"></span>ions betw<span class=\"_ _0\"></span>een the G<span class=\"_ _0\"></span>roup and its ass<span class=\"_ _1\"></span>ociates<span class=\"_ _1\"></span> are reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements o<span class=\"_ _1\"></span>nly t<span class=\"_ _1\"></span>o the extent<span class=\"_ _1\"></span> of unr<span class=\"_ _1\"></span>elated i<span class=\"_ _1\"></span>nves<span class=\"_ _1\"></span>tor\u2019s interes<span class=\"_ _1\"></span>ts in<span class=\"_ _1\"></span> the as<span class=\"_ _1\"></span>soci<span class=\"_ _1\"></span>ates. Un<span class=\"_ _1\"></span>realis<span class=\"_ _1\"></span>ed los<span class=\"_ _1\"></span>ses a<span class=\"_ _1\"></span>re eli<span class=\"ls8 ws15\">minated unless the tra<span class=\"_ _0\"></span>nsaction pro<span class=\"_ _0\"></span>vides e<span class=\"_ _0\"></span>videnc<span class=\"_ _0\"></span>e of an </span>impair<span class=\"_ _1\"></span>ment o<span class=\"_ _1\"></span>f the as<span class=\"_ _1\"></span>set tr<span class=\"_ _1\"></span>ansf<span class=\"_ _1\"></span>erred.<span class=\"_ _1\"></span> Accou<span class=\"_ _1\"></span>ntin<span class=\"_ _1\"></span>g poli<span class=\"_ _1\"></span>cies of<span class=\"_ _1\"></span> as<span class=\"_ _1\"></span>socia<span class=\"_ _1\"></span>tes ha<span class=\"_ _1\"></span>ve been<span class=\"_ _1\"></span> chang<span class=\"_ _1\"></span>ed wh<span class=\"_ _1\"></span>ere neces<span class=\"_ _1\"></span>sary to ensure<span class=\"_ _0\"></span> consistenc<span class=\"_ _0\"></span>y with th<span class=\"_ _0\"></span>e pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s adopted by the<span class=\"_ _0\"></span> Group.<span class=\"_ _bc\"> </span>If the o<span class=\"_ _0\"></span>wnershi<span class=\"_ _0\"></span>p intere<span class=\"_ _0\"></span>st in an a<span class=\"_ _0\"></span>ssociate<span class=\"_ _0\"></span> is reduc<span class=\"_ _0\"></span>ed but si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant inf<span class=\"_ _0\"></span>luence<span class=\"_ _0\"></span> is reta<span class=\"_ _0\"></span>ined, only a<span class=\"_ _0\"></span> prop<span class=\"_ _1\"></span>ortio<span class=\"_ _1\"></span>nate s<span class=\"_ _1\"></span>hare of t<span class=\"_ _1\"></span>he amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> previo<span class=\"_ _1\"></span>usly<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ised in o<span class=\"_ _1\"></span>ther comp<span class=\"_ _1\"></span>rehens<span class=\"_ _1\"></span>ive in<span class=\"_ _1\"></span>come is<span class=\"_ _1\"></span> reclas<span class=\"_ _1\"></span>sifi<span class=\"_ _1\"></span>ed to profit or<span class=\"_ _0\"></span> loss wher<span class=\"_ _0\"></span>e appropriate<span class=\"_ _0\"></span>. Dilution gains<span class=\"_ _0\"></span> an<span class=\"lse ws11c\">d l<span class=\"_ _0\"></span>osses a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sing on<span class=\"_ _0\"></span> inve<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s in a<span class=\"_ _0\"></span>ssocia<span class=\"_ _0\"></span>tes<span class=\"_ _0\"></span> are<span class=\"_ _0\"></span> </span>recogn<span class=\"_ _1\"></span>ised in<span class=\"_ _1\"></span> the in<span class=\"_ _1\"></span>come sta<span class=\"_ _1\"></span>tem<span class=\"_ _1\"></span>ent.<span class=\"ff3 ls1 ws1\"> </span>In the Bank<span class=\"_ _0\"></span>\u2019s standalo<span class=\"_ _0\"></span>ne fina<span class=\"_ _0\"></span>ncia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents, inve<span class=\"_ _0\"></span>stment<span class=\"_ _0\"></span>s in associ<span class=\"_ _0\"></span>ates are<span class=\"_ _0\"></span> accounte<span class=\"_ _0\"></span>d for by t<span class=\"_ _0\"></span>he cost method<span class=\"_ _1\"></span> of acco<span class=\"_ _1\"></span>untin<span class=\"_ _1\"></span>g, i.e.<span class=\"_ _1\"></span> at cos<span class=\"_ _1\"></span>t less<span class=\"_ _1\"></span> impairmen<span class=\"_ _1\"></span>t.  Pro<span class=\"_ _1\"></span>vision<span class=\"_ _1\"></span>s are r<span class=\"_ _1\"></span>ecorded<span class=\"_ _1\"></span> where, in<span class=\"_ _1\"></span> the op<span class=\"_ _1\"></span>inion<span class=\"_ _1\"></span> of the Directors, th<span class=\"_ _1\"></span>ere is impair<span class=\"_ _1\"></span>ment in<span class=\"_ _1\"></span> value.  Wher<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> <span class=\"ls5 ws3b\">t<span class=\"_ _1\"></span>here h<span class=\"_ _1\"></span>as b<span class=\"_ _1\"></span>een i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment i<span class=\"_ _1\"></span>n the v<span class=\"_ _1\"></span>alue<span class=\"_ _1\"></span> of a<span class=\"_ _1\"></span>n inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>, </span></span>it is rec<span class=\"_ _0\"></span>ognise<span class=\"_ _0\"></span>d as an expe<span class=\"_ _0\"></span>nse in the per<span class=\"_ _0\"></span>iod in whi<span class=\"_ _0\"></span>ch the diminution i<span class=\"_ _0\"></span>s identif<span class=\"_ _0\"></span>ied.<span class=\"_ _0\"></span> The result<span class=\"_ _0\"></span>s of the assoc<span class=\"_ _0\"></span>iate are refle<span class=\"_ _1\"></span>cted in<span class=\"_ _1\"></span> the Ban<span class=\"_ _1\"></span>k\u2019s stand<span class=\"_ _1\"></span>alon<span class=\"_ _1\"></span>e finan<span class=\"_ _1\"></span>cial stat<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>s onl<span class=\"_ _1\"></span>y to the exten<span class=\"_ _1\"></span>t of divi<span class=\"_ _1\"></span>dends<span class=\"_ _1\"></span> receiva<span class=\"_ _1\"></span>ble. On disposal of<span class=\"_ _0\"></span> an in<span class=\"_ _0\"></span>vestme<span class=\"_ _0\"></span>nt, the<span class=\"_ _0\"></span> diff<span class=\"_ _0\"></span>erence<span class=\"_ _0\"></span> between the<span class=\"_ _0\"></span> net dispo<span class=\"_ _0\"></span>sal proc<span class=\"_ _0\"></span>eeds and<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>arryi<span class=\"_ _0\"></span>ng amount i<span class=\"_ _0\"></span>s charged or credi<span class=\"_ _1\"></span>ted to profit <span class=\"_ _1\"></span>or loss<span class=\"_ _1\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-543": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.3 <span class=\"ls1 ws1\"> <span class=\"_ _47\"> </span></span><span class=\"ws7\">Foreign cu<span class=\"_ _1\"></span>rrency tran<span class=\"_ _1\"></span>slation<span class=\"ls1 ws1\"> </span></span> <span class=\"_ _9c\"> </span><span class=\"ls8 wsa\">The f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> statement<span class=\"_ _0\"></span>s are pre<span class=\"_ _0\"></span>sented i<span class=\"_ _0\"></span>n euro (\u20ac<span class=\"_ _0\"></span>), whi<span class=\"_ _0\"></span>ch is the Gr<span class=\"_ _0\"></span>oup\u2019s present<span class=\"_ _0\"></span>ation curr<span class=\"_ _11\"></span>ency.<span class=\"ls1 ws1\"> </span></span>1.3.1<span class=\"fs1\"> <span class=\"_ _89\"> </span><span class=\"ls8 wsa\">Functi<span class=\"_ _0\"></span>onal and pre<span class=\"_ _0\"></span>sentation c<span class=\"_ _11\"></span>urrency<span class=\"ls1 ws1\"> </span></span></span>Items i<span class=\"_ _1\"></span>nclud<span class=\"_ _1\"></span>ed in t<span class=\"_ _1\"></span>he finan<span class=\"_ _1\"></span>cial sta<span class=\"_ _1\"></span>tements<span class=\"_ _1\"></span> of each<span class=\"_ _1\"></span> of the Grou<span class=\"_ _1\"></span>p\u2019s enti<span class=\"_ _1\"></span>ties ar<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ed usin<span class=\"_ _1\"></span>g the cur<span class=\"_ _1\"></span>rency of the pr<span class=\"_ _0\"></span>imary e<span class=\"_ _0\"></span>conomi<span class=\"_ _0\"></span>c envir<span class=\"_ _0\"></span>onment<span class=\"_ _0\"></span> in whic<span class=\"_ _0\"></span>h the enti<span class=\"_ _0\"></span>ty o<span class=\"_ _0\"></span>perate<span class=\"_ _0\"></span>s (the<span class=\"_ _0\"></span> Bank\u2019s \u2018<span class=\"_ _0\"></span>functiona<span class=\"_ _11\"></span>l currency\u2019). T<span class=\"_ _0\"></span>he cons<span class=\"_ _1\"></span>olida<span class=\"_ _1\"></span>ted fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements a<span class=\"_ _1\"></span>re pres<span class=\"_ _1\"></span>en<span class=\"ls8 wsb\">ted in eur<span class=\"_ _0\"></span>o (\u20ac<span class=\"_ _0\"></span>), whi<span class=\"_ _0\"></span>ch is the B<span class=\"_ _0\"></span>ank\u2019s f<span class=\"_ _0\"></span>unctio<span class=\"_ _0\"></span>nal curr<span class=\"_ _0\"></span>ency an<span class=\"_ _0\"></span>d </span>the Gr<span class=\"_ _0\"></span>oup\u2019s present<span class=\"_ _0\"></span>ation curr<span class=\"_ _11\"></span>ency.<span class=\"ls1 ws1\"> </span>1.3.2<span class=\"fs1\"> <span class=\"_ _89\"> </span><span class=\"ls7 ws26\">Transactions and balances</span> </span>Foreign currency<span class=\"_ _1\"></span> transact<span class=\"_ _1\"></span>ions are translated i<span class=\"_ _1\"></span>nto the functional cu<span class=\"_ _1\"></span>rrency using the exchange ra<span class=\"_ _1\"></span>tes prevailing at the<span class=\"_ _0\"></span> dates of<span class=\"_ _0\"></span> the tr<span class=\"_ _0\"></span>ansactions or v<span class=\"_ _0\"></span>aluation w<span class=\"_ _0\"></span>here ite<span class=\"_ _0\"></span>ms are re<span class=\"_ _0\"></span>measured. Foreig<span class=\"_ _0\"></span>n exchange gains<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> losses<span class=\"_ _1\"></span> resultin<span class=\"_ _1\"></span>g from th<span class=\"_ _1\"></span>e settlem<span class=\"_ _1\"></span>ent o<span class=\"_ _1\"></span>f such<span class=\"_ _1\"></span> <span class=\"ls7 ws6d\">transactions a<span class=\"_ _0\"></span>nd from the transl<span class=\"_ _0\"></span>ation at year<span class=\"ls1 ws1\">-<span class=\"ls1b ws6\">end </span></span></span>exchange rates<span class=\"_ _1\"></span> of monetary<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets and liab<span class=\"_ _1\"></span>ilities denomin<span class=\"_ _1\"></span>ated in foreign curr<span class=\"_ _1\"></span>encies are recogn<span class=\"_ _1\"></span>ised in th<span class=\"_ _1\"></span>e income s<span class=\"_ _1\"></span>tatem<span class=\"_ _1\"></span>ent.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-495": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs4a\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs4b\">1.4<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span></span><span class=\"ws7\">Financia<span class=\"_ _1\"></span>l assets<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs4c\">1.4.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span><span class=\"ws7\">In<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement<span class=\"ls1 ws1\"> </span></span></div>When the fair v<span class=\"_ _1\"></span>alue of fina<span class=\"_ _1\"></span>ncial as<span class=\"_ _1\"></span>sets differs from<span class=\"_ _1\"></span> the tran<span class=\"_ _1\"></span>saction<span class=\"_ _1\"></span> price on init<span class=\"_ _1\"></span>ial recognit<span class=\"_ _1\"></span>ion, the Group<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e as foll<span class=\"_ _1\"></span>ows: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsb\">whe<span class=\"_ _0\"></span>n the fai<span class=\"_ _0\"></span>r value i<span class=\"_ _0\"></span>s evidence<span class=\"_ _0\"></span>d by a quoted pri<span class=\"_ _0\"></span>ce in an a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arket<span class=\"_ _0\"></span> for an identi<span class=\"_ _0\"></span>cal asset (i<span class=\"_ _0\"></span>.e. a </span></span>Level<span class=\"_ _0\"></span> 1 input) or<span class=\"_ _0\"></span> based on a valuat<span class=\"_ _0\"></span>ion tec<span class=\"_ _0\"></span>hnique that u<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span> only data fr<span class=\"_ _0\"></span>om obser<span class=\"_ _0\"></span>vable m<span class=\"_ _0\"></span>arkets, the<span class=\"_ _0\"></span> difference is reco<span class=\"_ _1\"></span>gnised a<span class=\"_ _1\"></span>s a gain or lo<span class=\"_ _1\"></span>ss; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws3b\">in all o<span class=\"_ _1\"></span>ther cas<span class=\"_ _1\"></span>es, t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e is def<span class=\"_ _1\"></span>erred an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e timin<span class=\"_ _1\"></span>g of r<span class=\"_ _1\"></span>ecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red da<span class=\"_ _1\"></span>y on<span class=\"_ _1\"></span>e profi<span class=\"_ _1\"></span>t </span></span>or loss is det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned indivi<span class=\"_ _0\"></span>dually. It i<span class=\"_ _0\"></span>s eithe<span class=\"_ _0\"></span>r amort<span class=\"_ _0\"></span>ised over the<span class=\"_ _0\"></span> life of<span class=\"_ _0\"></span> the instrume<span class=\"_ _0\"></span>nt, def<span class=\"_ _0\"></span>erred unti<span class=\"_ _0\"></span>l the in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ment's fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue can b<span class=\"_ _1\"></span>e determin<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws3a\">using market obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs, or<span class=\"_ _0\"></span> reali<span class=\"_ _0\"></span>sed through<span class=\"_ _0\"></span> </span></span>settl<span class=\"_ _1\"></span>ement.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t <span class=\"ff5 fs1 lsb ws2c\">(continued)</span></span><span class=\"ff1 fs1\"> </span></span>2.8<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Fair values o<span class=\"_ _1\"></span>f financial ass<span class=\"_ _1\"></span>ets and liabili<span class=\"_ _1\"></span>ties<span class=\"ls1 ws1\"> </span></span>2.8.1<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts measur<span class=\"_ _0\"></span>ed at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The G<span class=\"_ _0\"></span>roup\u2019s fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>ruments w<span class=\"_ _0\"></span>hich ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> include<span class=\"_ _0\"></span> the G<span class=\"_ _0\"></span>roup\u2019s de<span class=\"_ _0\"></span>bt securi<span class=\"_ _0\"></span>ties and<span class=\"_ _0\"></span> equity instr<span class=\"_ _0\"></span>uments m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at FVOC<span class=\"_ _0\"></span>I (note 6)<span class=\"_ _0\"></span>.  The Group i<span class=\"_ _0\"></span>s require<span class=\"_ _0\"></span>d to disclo<span class=\"_ _0\"></span>se fair<span class=\"_ _0\"></span> value me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nts by lev<span class=\"_ _1\"></span>el of th<span class=\"_ _1\"></span>e fol<span class=\"_ _1\"></span>lowing<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alu<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ure<span class=\"ls8 ws3c\">ment hierarc<span class=\"_ _0\"></span>hy for financ<span class=\"_ _0\"></span>ial instrume<span class=\"_ _0\"></span>nts that are<span class=\"_ _0\"></span> measured i<span class=\"_ _0\"></span>n </span>the statement of<span class=\"_ _0\"></span> financial position at f<span class=\"_ _0\"></span>air value:<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws6\">Quoted<span class=\"_ _1\"></span> prices<span class=\"_ _1\"></span> (una<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>ted) in a<span class=\"_ _1\"></span>ctive mar<span class=\"_ _1\"></span>kets fo<span class=\"_ _1\"></span>r ident<span class=\"_ _1\"></span>ical a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s (Lev<span class=\"_ _1\"></span>el 1).</span> \u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs ot<span class=\"_ _0\"></span>her than<span class=\"_ _0\"></span> quoted pri<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s include<span class=\"_ _0\"></span>d withi<span class=\"_ _0\"></span>n Level<span class=\"_ _0\"></span> 1 that<span class=\"_ _0\"></span> are obse<span class=\"_ _0\"></span>rvable f<span class=\"_ _0\"></span>or the as<span class=\"_ _0\"></span>set <span class=\"_ _0\"></span>eithe<span class=\"_ _0\"></span>r dire<span class=\"_ _0\"></span>ctly </span>i.e. as prices<span class=\"_ _1\"></span>, or indirectly<span class=\"_ _1\"></span> i.e. derived from pric<span class=\"_ _1\"></span>es (Level 2).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs for t<span class=\"_ _0\"></span>he asse<span class=\"_ _0\"></span>t that are<span class=\"_ _0\"></span> not base<span class=\"_ _0\"></span>d on obse<span class=\"_ _0\"></span>rvable m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>t data i.e<span class=\"_ _0\"></span>. unobservabl<span class=\"_ _0\"></span>e inpu<span class=\"_ _0\"></span>ts (Leve<span class=\"_ _0\"></span>l 3).<span class=\"ls1 ws1\"> </span></span>The IF<span class=\"_ _0\"></span>RS 13 hierar<span class=\"_ _0\"></span>chy of val<span class=\"_ _0\"></span>uation tec<span class=\"_ _0\"></span>hniques is base<span class=\"_ _0\"></span>d on w<span class=\"_ _0\"></span>hether<span class=\"_ _0\"></span> the inputs to<span class=\"_ _0\"></span> those val<span class=\"_ _0\"></span>uation te<span class=\"_ _0\"></span>chniques<span class=\"_ _0\"></span> are obser<span class=\"_ _0\"></span>vable or<span class=\"_ _0\"></span> unob<span class=\"_ _0\"></span>servabl<span class=\"_ _0\"></span>e. Obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs re<span class=\"_ _0\"></span>fle<span class=\"_ _0\"></span>ct mar<span class=\"_ _0\"></span>ket data <span class=\"_ _0\"></span>obtaine<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> inde<span class=\"_ _0\"></span>pendent<span class=\"_ _0\"></span> sources;<span class=\"_ _0\"></span> unobservable<span class=\"_ _0\"></span> inputs r<span class=\"_ _0\"></span>efle<span class=\"_ _0\"></span>ct the<span class=\"_ _0\"></span> Bank\u2019s ma<span class=\"_ _0\"></span>rket assum<span class=\"_ _0\"></span>ptions. <span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs only r<span class=\"_ _0\"></span>eleva<span class=\"_ _0\"></span>nt and o<span class=\"_ _0\"></span>bservable<span class=\"_ _0\"></span> mark<span class=\"_ _0\"></span>et pr<span class=\"_ _0\"></span>ices i<span class=\"_ _0\"></span>n its val<span class=\"_ _0\"></span>uations.<span class=\"_ _0\"></span> Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span>s of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets and financial liabiliti<span class=\"_ _0\"></span>es that are traded in acti<span class=\"_ _0\"></span>ve markets are based on quoted market pri<span class=\"_ _0\"></span>ces or deale<span class=\"_ _0\"></span>r price quo<span class=\"_ _0\"></span>tations.  <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The fair va<span class=\"_ _1\"></span>lue of the <span class=\"_ _1\"></span>Bank\u2019s fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets measured a<span class=\"_ _1\"></span>t FVO<span class=\"_ _1\"></span>CI, which ar<span class=\"_ _1\"></span>e principally<span class=\"_ _1\"></span> traded in<span class=\"_ _1\"></span> active markets<span class=\"_ _1\"></span>, is ma<span class=\"_ _1\"></span>inly<span class=\"_ _1\"></span> based<span class=\"_ _1\"></span> on q<span class=\"_ _1\"></span>uot<span class=\"_ _1\"></span>ed market<span class=\"_ _1\"></span> pric<span class=\"_ _1\"></span>es. Hen<span class=\"_ _1\"></span>ce, a<span class=\"_ _1\"></span>s a<span class=\"_ _1\"></span>t 31 Dec<span class=\"_ _1\"></span>ember <span class=\"_ _1\"></span>202<span class=\"ls1 ws1\">5 <span class=\"ls8 wsa\">and 2<span class=\"_ _1\"></span>02</span>4<span class=\"ls6 ws7\">, the principal </span></span>financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents that ar<span class=\"_ _0\"></span>e measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span>, consisting of<span class=\"_ _0\"></span> the inve<span class=\"_ _0\"></span>stments measur<span class=\"_ _0\"></span>ed at FV<span class=\"_ _0\"></span>OCI, were valued<span class=\"_ _1\"></span> using prin<span class=\"_ _1\"></span>cipally Level 1 inpu<span class=\"_ _1\"></span>ts. <span class=\"ls1 ws1\"> </span>No tr<span class=\"_ _1\"></span>ansfer<span class=\"_ _1\"></span>s of fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> inst<span class=\"_ _1\"></span>ruments b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ent le<span class=\"_ _1\"></span>vels o<span class=\"_ _1\"></span>f the fair v<span class=\"_ _1\"></span>alue h<span class=\"_ _1\"></span>ierarc<span class=\"_ _1\"></span>hy h<span class=\"_ _1\"></span>ave oc<span class=\"_ _1\"></span>curred during th<span class=\"_ _1\"></span>e financial years<span class=\"_ _1\"></span> ended 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 </span>and<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">4<span class=\"lsa ws24\">. </span> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-509": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.4<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span></span><span class=\"ws7\">Financia<span class=\"_ _1\"></span>l assets<span class=\"ls1 ws1\"> </span></span>1.4.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span><span class=\"ws7\">In<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement<span class=\"ls1 ws1\"> </span></span>The Group r<span class=\"_ _0\"></span>ecognise<span class=\"_ _0\"></span>s a financial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nt in its state<span class=\"_ _0\"></span>ment of fi<span class=\"_ _0\"></span>nancial position w<span class=\"_ _0\"></span>hen it becom<span class=\"_ _0\"></span>es a party to the cont<span class=\"_ _0\"></span>ractual pr<span class=\"_ _0\"></span>ovision<span class=\"_ _0\"></span>s of t<span class=\"_ _0\"></span>he instrum<span class=\"_ _0\"></span>ent. Re<span class=\"_ _0\"></span>gular<span class=\"_ _0\"></span> way purchases and sal<span class=\"_ _0\"></span>es of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets are<span class=\"_ _11\"></span> recog<span class=\"_ _0\"></span>nised on the<span class=\"_ _0\"></span> trade dat<span class=\"_ _0\"></span>e, whi<span class=\"_ _0\"></span>ch is the dat<span class=\"_ _0\"></span>e on whi<span class=\"_ _0\"></span>ch the G<span class=\"_ _0\"></span>roup commi<span class=\"_ _0\"></span>ts to purchase<span class=\"_ _0\"></span> or sell<span class=\"_ _0\"></span> the asset.<span class=\"_ _11\"></span> Accordi<span class=\"_ _0\"></span>ngly, the<span class=\"_ _0\"></span> Group use<span class=\"_ _0\"></span>s trade date<span class=\"_ _0\"></span> account<span class=\"_ _0\"></span>ing for<span class=\"_ _0\"></span> regular w<span class=\"_ _0\"></span>ay contrac<span class=\"_ _0\"></span>ts when r<span class=\"_ _0\"></span>ecor<span class=\"_ _0\"></span>ding financi<span class=\"_ _0\"></span>al asset<span class=\"_ _0\"></span> transactions. <span class=\"ls1 ws1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, th<span class=\"_ _1\"></span>e Group measu<span class=\"_ _1\"></span>res a financia<span class=\"_ _1\"></span>l asset at i<span class=\"_ _1\"></span>ts fair valu<span class=\"_ _1\"></span>e plus or minu<span class=\"_ _1\"></span>s, in the case of a financial asset not at fai<span class=\"_ _0\"></span>r value through profit or l<span class=\"_ _0\"></span>oss, transaction costs that are incre<span class=\"_ _0\"></span>mental and directly<span class=\"_ _0\"></span> attributabl<span class=\"_ _0\"></span>e to the<span class=\"_ _0\"></span> acquisiti<span class=\"_ _0\"></span>on or <span class=\"ls6 ws39\">issue of the financial<span class=\"_ _1\"></span> asset, such<span class=\"_ _1\"></span> as fees and commis<span class=\"_ _1\"></span>sions. Trans<span class=\"_ _1\"></span>action </span>costs of financial assets carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value through profi<span class=\"_ _0\"></span>t or loss are e<span class=\"_ _0\"></span>xpensed in profit <span class=\"_ _0\"></span>or loss. <span class=\"ls1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, an<span class=\"_ _1\"></span> Expected Credit Lo<span class=\"_ _1\"></span>ss allowan<span class=\"_ _1\"></span>ce (\u2018ECL\u2019) is<span class=\"_ _1\"></span> recognised for <span class=\"_ _1\"></span>financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> measured at amorti<span class=\"_ _0\"></span>sed cost and i<span class=\"_ _0\"></span>nvest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in debt i<span class=\"_ _0\"></span>nstrument<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI, whi<span class=\"_ _0\"></span>ch results in an a<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ting<span class=\"_ _0\"></span> loss b<span class=\"_ _1\"></span>eing recognised in<span class=\"_ _1\"></span> profit or los<span class=\"_ _1\"></span>s wh<span class=\"ls8 wsa\">en an asse<span class=\"_ _0\"></span>t is ne<span class=\"_ _0\"></span>wly origi<span class=\"_ _0\"></span>nated.<span class=\"ls1 ws1\"> </span></span>When the fair v<span class=\"_ _1\"></span>alue of fina<span class=\"_ _1\"></span>ncial as<span class=\"_ _1\"></span>sets differs from<span class=\"_ _1\"></span> the tran<span class=\"_ _1\"></span>saction<span class=\"_ _1\"></span> price on init<span class=\"_ _1\"></span>ial recognit<span class=\"_ _1\"></span>ion, the Group<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e as foll<span class=\"_ _1\"></span>ows: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsb\">whe<span class=\"_ _0\"></span>n the fai<span class=\"_ _0\"></span>r value i<span class=\"_ _0\"></span>s evidence<span class=\"_ _0\"></span>d by a quoted pri<span class=\"_ _0\"></span>ce in an a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arket<span class=\"_ _0\"></span> for an identi<span class=\"_ _0\"></span>cal asset (i<span class=\"_ _0\"></span>.e. a </span></span>Level<span class=\"_ _0\"></span> 1 input) or<span class=\"_ _0\"></span> based on a valuat<span class=\"_ _0\"></span>ion tec<span class=\"_ _0\"></span>hnique that u<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span> only data fr<span class=\"_ _0\"></span>om obser<span class=\"_ _0\"></span>vable m<span class=\"_ _0\"></span>arkets, the<span class=\"_ _0\"></span> difference is reco<span class=\"_ _1\"></span>gnised a<span class=\"_ _1\"></span>s a gain or lo<span class=\"_ _1\"></span>ss; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws3b\">in all o<span class=\"_ _1\"></span>ther cas<span class=\"_ _1\"></span>es, t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e is def<span class=\"_ _1\"></span>erred an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e timin<span class=\"_ _1\"></span>g of r<span class=\"_ _1\"></span>ecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red da<span class=\"_ _1\"></span>y on<span class=\"_ _1\"></span>e profi<span class=\"_ _1\"></span>t </span></span>or loss is det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned indivi<span class=\"_ _0\"></span>dually. It i<span class=\"_ _0\"></span>s eithe<span class=\"_ _0\"></span>r amort<span class=\"_ _0\"></span>ised over the<span class=\"_ _0\"></span> life of<span class=\"_ _0\"></span> the instrume<span class=\"_ _0\"></span>nt, def<span class=\"_ _0\"></span>erred unti<span class=\"_ _0\"></span>l the in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ment's fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue can b<span class=\"_ _1\"></span>e determin<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws3a\">using market obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs, or<span class=\"_ _0\"></span> reali<span class=\"_ _0\"></span>sed through<span class=\"_ _0\"></span> </span></span>settl<span class=\"_ _1\"></span>ement.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.11<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _9e\"> </span></span></span><span class=\"ws7\">Financial lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>1.11.1<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws7\">Initial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement <span class=\"ls1 ws1\"> </span></span></span></span>The Group recognis<span class=\"_ _1\"></span>es a financia<span class=\"_ _1\"></span>l liability on its<span class=\"_ _1\"></span> statement of financia<span class=\"_ _1\"></span>l position when it<span class=\"_ _1\"></span> becomes a party<span class=\"_ _1\"></span> to the contra<span class=\"_ _1\"></span>ctual prov<span class=\"_ _1\"></span>isions of the in<span class=\"_ _1\"></span>strument. Fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ties not<span class=\"_ _1\"></span> at fair value th<span class=\"_ _1\"></span>rough profit or lo<span class=\"_ _1\"></span>ss are recognised in<span class=\"_ _1\"></span>itially at<span class=\"_ _1\"></span> fair valu<span class=\"_ _1\"></span>e, being th<span class=\"_ _1\"></span>e fair va<span class=\"_ _1\"></span>lue of cons<span class=\"_ _1\"></span>ideration rec<span class=\"_ _1\"></span>eived, net o<span class=\"_ _1\"></span>f transa<span class=\"_ _1\"></span>ction costs<span class=\"_ _1\"></span> that are directly at<span class=\"_ _1\"></span>tributab<span class=\"_ _1\"></span>le to the acquis<span class=\"_ _1\"></span>ition or th<span class=\"_ _1\"></span>e issue of the financia<span class=\"_ _1\"></span>l liability.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t <span class=\"ff5 fs1 lsb ws2c\">(continued)</span></span><span class=\"ff1 fs1\"> </span></span>2.8<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Fair values o<span class=\"_ _1\"></span>f financial ass<span class=\"_ _1\"></span>ets and liabili<span class=\"_ _1\"></span>ties<span class=\"ls1 ws1\"> </span></span>2.8.1<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts measur<span class=\"_ _0\"></span>ed at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The G<span class=\"_ _0\"></span>roup\u2019s fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>ruments w<span class=\"_ _0\"></span>hich ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> include<span class=\"_ _0\"></span> the G<span class=\"_ _0\"></span>roup\u2019s de<span class=\"_ _0\"></span>bt securi<span class=\"_ _0\"></span>ties and<span class=\"_ _0\"></span> equity instr<span class=\"_ _0\"></span>uments m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at FVOC<span class=\"_ _0\"></span>I (note 6)<span class=\"_ _0\"></span>.  The Group i<span class=\"_ _0\"></span>s require<span class=\"_ _0\"></span>d to disclo<span class=\"_ _0\"></span>se fair<span class=\"_ _0\"></span> value me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nts by lev<span class=\"_ _1\"></span>el of th<span class=\"_ _1\"></span>e fol<span class=\"_ _1\"></span>lowing<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alu<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ure<span class=\"ls8 ws3c\">ment hierarc<span class=\"_ _0\"></span>hy for financ<span class=\"_ _0\"></span>ial instrume<span class=\"_ _0\"></span>nts that are<span class=\"_ _0\"></span> measured i<span class=\"_ _0\"></span>n </span>the statement of<span class=\"_ _0\"></span> financial position at f<span class=\"_ _0\"></span>air value:<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws6\">Quoted<span class=\"_ _1\"></span> prices<span class=\"_ _1\"></span> (una<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>ted) in a<span class=\"_ _1\"></span>ctive mar<span class=\"_ _1\"></span>kets fo<span class=\"_ _1\"></span>r ident<span class=\"_ _1\"></span>ical a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s (Lev<span class=\"_ _1\"></span>el 1).</span> \u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs ot<span class=\"_ _0\"></span>her than<span class=\"_ _0\"></span> quoted pri<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s include<span class=\"_ _0\"></span>d withi<span class=\"_ _0\"></span>n Level<span class=\"_ _0\"></span> 1 that<span class=\"_ _0\"></span> are obse<span class=\"_ _0\"></span>rvable f<span class=\"_ _0\"></span>or the as<span class=\"_ _0\"></span>set <span class=\"_ _0\"></span>eithe<span class=\"_ _0\"></span>r dire<span class=\"_ _0\"></span>ctly </span>i.e. as prices<span class=\"_ _1\"></span>, or indirectly<span class=\"_ _1\"></span> i.e. derived from pric<span class=\"_ _1\"></span>es (Level 2).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs for t<span class=\"_ _0\"></span>he asse<span class=\"_ _0\"></span>t that are<span class=\"_ _0\"></span> not base<span class=\"_ _0\"></span>d on obse<span class=\"_ _0\"></span>rvable m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>t data i.e<span class=\"_ _0\"></span>. unobservabl<span class=\"_ _0\"></span>e inpu<span class=\"_ _0\"></span>ts (Leve<span class=\"_ _0\"></span>l 3).<span class=\"ls1 ws1\"> </span></span>The IF<span class=\"_ _0\"></span>RS 13 hierar<span class=\"_ _0\"></span>chy of val<span class=\"_ _0\"></span>uation tec<span class=\"_ _0\"></span>hniques is base<span class=\"_ _0\"></span>d on w<span class=\"_ _0\"></span>hether<span class=\"_ _0\"></span> the inputs to<span class=\"_ _0\"></span> those val<span class=\"_ _0\"></span>uation te<span class=\"_ _0\"></span>chniques<span class=\"_ _0\"></span> are obser<span class=\"_ _0\"></span>vable or<span class=\"_ _0\"></span> unob<span class=\"_ _0\"></span>servabl<span class=\"_ _0\"></span>e. Obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs re<span class=\"_ _0\"></span>fle<span class=\"_ _0\"></span>ct mar<span class=\"_ _0\"></span>ket data <span class=\"_ _0\"></span>obtaine<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> inde<span class=\"_ _0\"></span>pendent<span class=\"_ _0\"></span> sources;<span class=\"_ _0\"></span> unobservable<span class=\"_ _0\"></span> inputs r<span class=\"_ _0\"></span>efle<span class=\"_ _0\"></span>ct the<span class=\"_ _0\"></span> Bank\u2019s ma<span class=\"_ _0\"></span>rket assum<span class=\"_ _0\"></span>ptions. <span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs only r<span class=\"_ _0\"></span>eleva<span class=\"_ _0\"></span>nt and o<span class=\"_ _0\"></span>bservable<span class=\"_ _0\"></span> mark<span class=\"_ _0\"></span>et pr<span class=\"_ _0\"></span>ices i<span class=\"_ _0\"></span>n its val<span class=\"_ _0\"></span>uations.<span class=\"_ _0\"></span> Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span>s of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets and financial liabiliti<span class=\"_ _0\"></span>es that are traded in acti<span class=\"_ _0\"></span>ve markets are based on quoted market pri<span class=\"_ _0\"></span>ces or deale<span class=\"_ _0\"></span>r price quo<span class=\"_ _0\"></span>tations.  <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The fair va<span class=\"_ _1\"></span>lue of the <span class=\"_ _1\"></span>Bank\u2019s fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets measured a<span class=\"_ _1\"></span>t FVO<span class=\"_ _1\"></span>CI, which ar<span class=\"_ _1\"></span>e principally<span class=\"_ _1\"></span> traded in<span class=\"_ _1\"></span> active markets<span class=\"_ _1\"></span>, is ma<span class=\"_ _1\"></span>inly<span class=\"_ _1\"></span> based<span class=\"_ _1\"></span> on q<span class=\"_ _1\"></span>uot<span class=\"_ _1\"></span>ed market<span class=\"_ _1\"></span> pric<span class=\"_ _1\"></span>es. Hen<span class=\"_ _1\"></span>ce, a<span class=\"_ _1\"></span>s a<span class=\"_ _1\"></span>t 31 Dec<span class=\"_ _1\"></span>ember <span class=\"_ _1\"></span>202<span class=\"ls1 ws1\">5 <span class=\"ls8 wsa\">and 2<span class=\"_ _1\"></span>02</span>4<span class=\"ls6 ws7\">, the principal </span></span>financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents that ar<span class=\"_ _0\"></span>e measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span>, consisting of<span class=\"_ _0\"></span> the inve<span class=\"_ _0\"></span>stments measur<span class=\"_ _0\"></span>ed at FV<span class=\"_ _0\"></span>OCI, were valued<span class=\"_ _1\"></span> using prin<span class=\"_ _1\"></span>cipally Level 1 inpu<span class=\"_ _1\"></span>ts. <span class=\"ls1 ws1\"> </span>No tr<span class=\"_ _1\"></span>ansfer<span class=\"_ _1\"></span>s of fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> inst<span class=\"_ _1\"></span>ruments b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ent le<span class=\"_ _1\"></span>vels o<span class=\"_ _1\"></span>f the fair v<span class=\"_ _1\"></span>alue h<span class=\"_ _1\"></span>ierarc<span class=\"_ _1\"></span>hy h<span class=\"_ _1\"></span>ave oc<span class=\"_ _1\"></span>curred during th<span class=\"_ _1\"></span>e financial years<span class=\"_ _1\"></span> ended 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 </span>and<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">4<span class=\"lsa ws24\">. </span> </span>2.8.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts not me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air value<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></span></span>Loans and advances<span class=\"_ _0\"></span> to banks<span class=\"_ _0\"></span> and customers <span class=\"ls1 ws1\"> </span> <span class=\"_ _95\"> </span><span class=\"ls5 ws3b\">These ca<span class=\"_ _1\"></span>tego<span class=\"_ _1\"></span>ries of a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> are pr<span class=\"_ _1\"></span>esented<span class=\"_ _1\"></span> net of ex<span class=\"_ _1\"></span>pect<span class=\"_ _1\"></span>ed cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>s all<span class=\"_ _1\"></span>owances<span class=\"_ _1\"></span>. As at<span class=\"_ _1\"></span> 31 December<span class=\"_ _1\"></span> 2024,<span class=\"_ _1\"></span> </span>the Group\u2019s<span class=\"_ _1\"></span> aggregate carryin<span class=\"_ _1\"></span>g amount in t<span class=\"_ _1\"></span>his respect was \u20ac991,534,<span class=\"_ _1\"></span>000 (2024: \u20ac918,87<span class=\"_ _1\"></span>0,000). The loa<span class=\"_ _1\"></span>ns and advance<span class=\"_ _0\"></span>s to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s, whi<span class=\"_ _0\"></span>ch are<span class=\"_ _0\"></span> subject to <span class=\"ls5 ws72\">floating inter<span class=\"_ _1\"></span>est rat<span class=\"_ _1\"></span>es, ar<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ed at the a<span class=\"_ _1\"></span>mount of </span>\u20ac743,646,000 (<span class=\"_ _1\"></span>2024: \u20ac684,<span class=\"_ _1\"></span>969,000). Th<span class=\"_ _1\"></span>is carrying v<span class=\"_ _1\"></span>alue ap<span class=\"_ _1\"></span>proximates to<span class=\"_ _1\"></span> fair valu<span class=\"_ _1\"></span>e in view of th<span class=\"_ _1\"></span>e fact th<span class=\"_ _1\"></span>at these lo<span class=\"_ _0\"></span>ans and advances ar<span class=\"_ _0\"></span>e repr<span class=\"_ _0\"></span>iceable at the<span class=\"_ _0\"></span> Group\u2019s discr<span class=\"_ _0\"></span>etion. T<span class=\"_ _0\"></span>he carryi<span class=\"_ _0\"></span>ng amount of loans and adv<span class=\"_ _1\"></span>ances t<span class=\"_ _1\"></span>o custo<span class=\"_ _1\"></span>mers, wh<span class=\"_ _1\"></span>ich are su<span class=\"_ _1\"></span>bject to<span class=\"_ _1\"></span> fixed in<span class=\"_ _1\"></span>terest rat<span class=\"_ _1\"></span>es, is d<span class=\"_ _1\"></span>eemed fairly<span class=\"_ _1\"></span> close t<span class=\"_ _1\"></span>o fair va<span class=\"_ _1\"></span>lue in view<span class=\"_ _1\"></span> of their maturity profi<span class=\"_ _0\"></span>le. A significant part of loans and advance<span class=\"_ _0\"></span>s to customers are repayable on cal<span class=\"_ _0\"></span>l and at short n<span class=\"_ _1\"></span>otice, as highligh<span class=\"_ _1\"></span>ted<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls7 ws9f\">in Note 8. Loans and advances to banks with a f<span class=\"_ _0\"></span>ixed term<span class=\"_ _0\"></span> are carri<span class=\"_ _0\"></span>ed at the </span></span>amount of \u20ac41,<span class=\"_ _1\"></span>829,000 (2024: \u20ac27,243,<span class=\"_ _1\"></span>000). Other loa<span class=\"_ _1\"></span>ns and advan<span class=\"_ _1\"></span>ces to banks are predomina<span class=\"_ _1\"></span>ntly repayabl<span class=\"_ _1\"></span>e on call and a<span class=\"_ _1\"></span>t short notice, a<span class=\"_ _1\"></span>s disclos<span class=\"_ _1\"></span>ed in Note 7 to th<span class=\"_ _1\"></span>e financial sta<span class=\"_ _1\"></span>te<span class=\"ls5 ws6\">ments. G<span class=\"_ _1\"></span>eneral<span class=\"_ _1\"></span>ly, in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> </span>rates on loans and ad<span class=\"_ _0\"></span>vances re<span class=\"_ _0\"></span>flect curre<span class=\"_ _0\"></span>nt market rate<span class=\"_ _0\"></span>s, and the Director<span class=\"_ _0\"></span>s consider the c<span class=\"_ _0\"></span>arrying amounts to be a reaso<span class=\"_ _1\"></span>nable estimate o<span class=\"_ _1\"></span>f their fair value pr<span class=\"_ _1\"></span>incipally in<span class=\"_ _1\"></span> view of the relativ<span class=\"_ _1\"></span>ely short<span class=\"_ _1\"></span> periods to<span class=\"_ _1\"></span> repricing or maturit<span class=\"ls5 ws3b\">y fro<span class=\"_ _1\"></span>m the <span class=\"_ _1\"></span>end o<span class=\"_ _1\"></span>f the r<span class=\"_ _1\"></span>eporti<span class=\"_ _1\"></span>ng pe<span class=\"_ _1\"></span>riods<span class=\"_ _1\"></span>. The <span class=\"_ _1\"></span>curr<span class=\"_ _1\"></span>ent mark<span class=\"_ _1\"></span>et in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates<span class=\"_ _1\"></span> util<span class=\"_ _1\"></span>ised for<span class=\"_ _1\"></span> fair<span class=\"_ _1\"></span> value<span class=\"_ _1\"></span> </span>estima<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> which r<span class=\"_ _1\"></span>eflec<span class=\"_ _1\"></span>t ess<span class=\"_ _1\"></span>entia<span class=\"_ _1\"></span>lly th<span class=\"_ _1\"></span>e respec<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e inst<span class=\"_ _1\"></span>ruments<span class=\"_ _1\"></span>\u2019 con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al int<span class=\"_ _1\"></span>erest r<span class=\"_ _1\"></span>ates<span class=\"_ _1\"></span>, are d<span class=\"_ _1\"></span>eemed<span class=\"_ _1\"></span> observa<span class=\"_ _1\"></span>ble and accor<span class=\"_ _1\"></span>dingly these fair va<span class=\"_ _1\"></span>lue estimate<span class=\"ls5 ws6\">s<span class=\"_ _1\"></span> hav<span class=\"_ _1\"></span>e been cat<span class=\"_ _1\"></span>egoris<span class=\"_ _1\"></span>ed as L<span class=\"_ _1\"></span>evel 2.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Trade and other<span class=\"_ _0\"></span> receivables<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span> <span class=\"_ _95\"> </span><span class=\"ls8 ws11\">This cate<span class=\"_ _0\"></span>gory pr<span class=\"_ _0\"></span>incipall<span class=\"_ _0\"></span>y represe<span class=\"_ _0\"></span>nts short<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">term trade r<span class=\"_ _1\"></span>ecei<span class=\"_ _1\"></span>va<span class=\"_ _1\"></span>bles ar<span class=\"_ _1\"></span>ising<span class=\"_ _1\"></span> from pos<span class=\"_ _1\"></span>tal o<span class=\"_ _1\"></span>perati<span class=\"_ _1\"></span>ons i<span class=\"_ _1\"></span>n resp<span class=\"_ _1\"></span>ect </span></span></span>of which the c<span class=\"_ _0\"></span>arrying amount is a reasonable<span class=\"_ _0\"></span> approximation of<span class=\"_ _0\"></span> fair value.<span class=\"_ _0\"></span><span class=\"ls1\"> </span>Amounts owed to banks<span class=\"_ _0\"></span> and c<span class=\"_ _0\"></span>ustomers<span class=\"ls1 ws1\"> </span>These categori<span class=\"_ _1\"></span>es of financial lia<span class=\"_ _1\"></span>bilities are carried<span class=\"_ _1\"></span> at amortised cost<span class=\"_ _1\"></span> and amount to \u20ac1,207,601,<span class=\"_ _1\"></span>000 as at 31 December 2025 (20<span class=\"_ _1\"></span>24: \u20ac1,12<span class=\"_ _1\"></span>0,444,000). 17.4<span class=\"_ _1\"></span>% (2024: 19.0%) of th<span class=\"_ _1\"></span>ese liabilities are n<span class=\"_ _1\"></span>on<span class=\"ls1 ws1\">-<span class=\"ls5 ws1a\">in<span class=\"_ _1\"></span>terest b<span class=\"_ _1\"></span>earin<span class=\"_ _1\"></span>g, </span></span>41.2% (2024: 46.0%) of th<span class=\"_ _1\"></span>ese liabil<span class=\"_ _1\"></span>ities <span class=\"ls5 ws41\">hav<span class=\"_ _1\"></span>e a contra<span class=\"_ _1\"></span>ctual rep<span class=\"_ _1\"></span>ricing t<span class=\"_ _1\"></span>erm of th<span class=\"_ _1\"></span>ree mon<span class=\"_ _1\"></span>ths o<span class=\"_ _1\"></span>r less, 8.7% </span>(2024<span class=\"_ _1\"></span>: 6.0%) r<span class=\"_ _1\"></span>epric<span class=\"_ _1\"></span>e betw<span class=\"_ _1\"></span>een t<span class=\"_ _1\"></span>hree mo<span class=\"_ _1\"></span>nths<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> one yea<span class=\"_ _1\"></span>r, 25.9% <span class=\"_ _1\"></span>(202<span class=\"_ _1\"></span>4: 24.6<span class=\"_ _1\"></span>%) repr<span class=\"_ _1\"></span>ice <span class=\"_ _1\"></span>between<span class=\"_ _1\"></span> one yea<span class=\"_ _1\"></span>r and<span class=\"_ _1\"></span> five year<span class=\"_ _1\"></span>s while 6<span class=\"_ _1\"></span>.7% (2<span class=\"_ _1\"></span>024: 4<span class=\"_ _1\"></span>.4%) ar<span class=\"_ _1\"></span>e repr<span class=\"_ _1\"></span>iceabl<span class=\"_ _1\"></span>e afte<span class=\"_ _1\"></span>r more t<span class=\"_ _1\"></span>han fi<span class=\"_ _1\"></span>ve year<span class=\"_ _1\"></span>s. A ver<span class=\"_ _1\"></span>y s<span class=\"ls6 ws1d\">i<span class=\"_ _1\"></span>gnificant po<span class=\"_ _1\"></span>rtion </span>of amount<span class=\"_ _0\"></span>s owed to<span class=\"_ _0\"></span> bank<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d custome<span class=\"_ _0\"></span>rs are r<span class=\"_ _0\"></span>epaya<span class=\"_ _0\"></span>ble on<span class=\"_ _0\"></span> demand as<span class=\"_ _0\"></span> disclo<span class=\"_ _0\"></span>sed w<span class=\"_ _0\"></span>ithin <span class=\"_ _0\"></span>Note 20<span class=\"_ _0\"></span> and 21<span class=\"_ _0\"></span> to the financia<span class=\"_ _1\"></span>l statement<span class=\"_ _1\"></span>s. Accord<span class=\"_ _1\"></span>ingly, in v<span class=\"_ _1\"></span>iew of their<span class=\"_ _1\"></span> profile, th<span class=\"_ _1\"></span>e fair valu<span class=\"_ _1\"></span>e of these<span class=\"_ _1\"></span> financia<span class=\"_ _1\"></span>l liabilities is<span class=\"_ _1\"></span> not d<span class=\"_ _1\"></span>eemed to b<span class=\"_ _1\"></span>e sign<span class=\"_ _1\"></span>i<span class=\"ls8 ws2d\">ficant<span class=\"_ _0\"></span>ly diff<span class=\"_ _0\"></span>erent<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> their c<span class=\"_ _0\"></span>arrying amo<span class=\"_ _0\"></span>unts. T<span class=\"_ _0\"></span>his applie<span class=\"_ _0\"></span>s to <span class=\"_ _0\"></span>vari<span class=\"_ _0\"></span>able rat<span class=\"_ _0\"></span>e deposit<span class=\"_ _11\"></span>s </span>in view of the sh<span class=\"_ _1\"></span>ort periods<span class=\"_ _1\"></span> to repricing, bu<span class=\"_ _1\"></span>t also applies to lia<span class=\"_ _1\"></span>bilities su<span class=\"_ _1\"></span>bject to fixed interes<span class=\"_ _1\"></span>t rates, ba<span class=\"_ _1\"></span>sed on discounting<span class=\"_ _0\"></span> future<span class=\"_ _0\"></span> contractual c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s at current<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls7 ws26\">market intere<span class=\"_ _0\"></span>st rates, taking into account the short </span></span>periods to m<span class=\"_ _0\"></span>aturity.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>urrent mar<span class=\"_ _0\"></span>ket inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ates util<span class=\"_ _0\"></span>ised for disc<span class=\"_ _0\"></span>ounting purpose<span class=\"_ _0\"></span>s, w<span class=\"_ _0\"></span>hich we<span class=\"_ _0\"></span>re almost equiv<span class=\"_ _1\"></span>alent<span class=\"_ _1\"></span> to the r<span class=\"_ _1\"></span>espect<span class=\"_ _1\"></span>ive in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span>\u2019 cont<span class=\"_ _1\"></span>ractu<span class=\"_ _1\"></span>al inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>tes, a<span class=\"_ _1\"></span>re deemed<span class=\"_ _1\"></span> ob<span class=\"_ _1\"></span>serva<span class=\"_ _1\"></span>ble an<span class=\"_ _1\"></span><span class=\"ls1b ws6\">d </span>accord<span class=\"_ _1\"></span>ingly<span class=\"_ _1\"></span> these fa<span class=\"_ _1\"></span>ir va<span class=\"_ _1\"></span>lue esti<span class=\"_ _1\"></span>mates h<span class=\"_ _1\"></span>ave been<span class=\"_ _1\"></span> catego<span class=\"_ _1\"></span>rise<span class=\"_ _1\"></span>d as L<span class=\"_ _1\"></span>evel 2.<span class=\"ls1 ws1\"> </span>Debt securi<span class=\"_ _0\"></span>ties measur<span class=\"_ _0\"></span>ed at amortis<span class=\"_ _0\"></span>ed cost<span class=\"ls1 ws1\"> </span>Debt securiti<span class=\"_ _1\"></span>es measured<span class=\"_ _1\"></span> at amortis<span class=\"_ _1\"></span>ed cost ha<span class=\"_ _1\"></span>d a fair v<span class=\"_ _1\"></span>alue of \u20ac34,1<span class=\"_ _1\"></span>46,000 as<span class=\"_ _1\"></span> at 31 Dec<span class=\"_ _1\"></span>ember 2025 <span class=\"_ _1\"></span>(2024: \u20ac21,400,000), co<span class=\"_ _1\"></span>mpared to<span class=\"_ _1\"></span> the carry<span class=\"_ _1\"></span>ing amou<span class=\"_ _1\"></span>nt of \u20ac33,890,<span class=\"_ _1\"></span>000 (202<span class=\"ls1 ws1\">4<span class=\"_ _1\"></span></span>: \u20ac21,107,000).<span class=\"_ _1\"></span> The fair v<span class=\"_ _1\"></span>alue of th<span class=\"_ _1\"></span>ese investme<span class=\"_ _0\"></span>nts, whic<span class=\"_ _0\"></span>h are pr<span class=\"_ _0\"></span>inci<span class=\"_ _0\"></span>pally trade<span class=\"_ _0\"></span>d i<span class=\"_ _0\"></span>n active m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>ts, is m<span class=\"_ _0\"></span>ainly<span class=\"_ _0\"></span> based on <span class=\"_ _0\"></span>quote<span class=\"_ _0\"></span>d mar<span class=\"_ _0\"></span>ket pri<span class=\"_ _0\"></span>ces whi<span class=\"_ _0\"></span>ch are categorised a<span class=\"_ _1\"></span>s Level 1 inp<span class=\"_ _1\"></span>uts.<span class=\"ls1 ws1\"> </span>Other f<span class=\"_ _0\"></span>inancial instr<span class=\"_ _0\"></span>uments<span class=\"ls1 ws1\"> </span>The fair values o<span class=\"_ _1\"></span>f certain other financial as<span class=\"_ _1\"></span>sets, includin<span class=\"_ _1\"></span>g balances with the Central Bank<span class=\"_ _1\"></span> of Malta and accrue<span class=\"_ _0\"></span>d income<span class=\"_ _0\"></span>, are<span class=\"_ _0\"></span> considered t<span class=\"_ _0\"></span>o approxim<span class=\"_ _0\"></span>ate the<span class=\"_ _0\"></span>ir re<span class=\"_ _0\"></span>spective<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng values due<span class=\"_ _0\"></span> to t<span class=\"_ _0\"></span>heir short<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">term </span></span>nature.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-539": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.4<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span></span><span class=\"ws7\">Financia<span class=\"_ _1\"></span>l assets<span class=\"ls1 ws1\"> </span></span>1.4.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span><span class=\"ws7\">In<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement<span class=\"ls1 ws1\"> </span></span>The Group r<span class=\"_ _0\"></span>ecognise<span class=\"_ _0\"></span>s a financial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nt in its state<span class=\"_ _0\"></span>ment of fi<span class=\"_ _0\"></span>nancial position w<span class=\"_ _0\"></span>hen it becom<span class=\"_ _0\"></span>es a party to the cont<span class=\"_ _0\"></span>ractual pr<span class=\"_ _0\"></span>ovision<span class=\"_ _0\"></span>s of t<span class=\"_ _0\"></span>he instrum<span class=\"_ _0\"></span>ent. Re<span class=\"_ _0\"></span>gular<span class=\"_ _0\"></span> way purchases and sal<span class=\"_ _0\"></span>es of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets are<span class=\"_ _11\"></span> recog<span class=\"_ _0\"></span>nised on the<span class=\"_ _0\"></span> trade dat<span class=\"_ _0\"></span>e, whi<span class=\"_ _0\"></span>ch is the dat<span class=\"_ _0\"></span>e on whi<span class=\"_ _0\"></span>ch the G<span class=\"_ _0\"></span>roup commi<span class=\"_ _0\"></span>ts to purchase<span class=\"_ _0\"></span> or sell<span class=\"_ _0\"></span> the asset.<span class=\"_ _11\"></span> Accordi<span class=\"_ _0\"></span>ngly, the<span class=\"_ _0\"></span> Group use<span class=\"_ _0\"></span>s trade date<span class=\"_ _0\"></span> account<span class=\"_ _0\"></span>ing for<span class=\"_ _0\"></span> regular w<span class=\"_ _0\"></span>ay contrac<span class=\"_ _0\"></span>ts when r<span class=\"_ _0\"></span>ecor<span class=\"_ _0\"></span>ding financi<span class=\"_ _0\"></span>al asset<span class=\"_ _0\"></span> transactions. <span class=\"ls1 ws1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, th<span class=\"_ _1\"></span>e Group measu<span class=\"_ _1\"></span>res a financia<span class=\"_ _1\"></span>l asset at i<span class=\"_ _1\"></span>ts fair valu<span class=\"_ _1\"></span>e plus or minu<span class=\"_ _1\"></span>s, in the case of a financial asset not at fai<span class=\"_ _0\"></span>r value through profit or l<span class=\"_ _0\"></span>oss, transaction costs that are incre<span class=\"_ _0\"></span>mental and directly<span class=\"_ _0\"></span> attributabl<span class=\"_ _0\"></span>e to the<span class=\"_ _0\"></span> acquisiti<span class=\"_ _0\"></span>on or <span class=\"ls6 ws39\">issue of the financial<span class=\"_ _1\"></span> asset, such<span class=\"_ _1\"></span> as fees and commis<span class=\"_ _1\"></span>sions. Trans<span class=\"_ _1\"></span>action </span>costs of financial assets carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value through profi<span class=\"_ _0\"></span>t or loss are e<span class=\"_ _0\"></span>xpensed in profit <span class=\"_ _0\"></span>or loss. <span class=\"ls1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, an<span class=\"_ _1\"></span> Expected Credit Lo<span class=\"_ _1\"></span>ss allowan<span class=\"_ _1\"></span>ce (\u2018ECL\u2019) is<span class=\"_ _1\"></span> recognised for <span class=\"_ _1\"></span>financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> measured at amorti<span class=\"_ _0\"></span>sed cost and i<span class=\"_ _0\"></span>nvest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in debt i<span class=\"_ _0\"></span>nstrument<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI, whi<span class=\"_ _0\"></span>ch results in an a<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ting<span class=\"_ _0\"></span> loss b<span class=\"_ _1\"></span>eing recognised in<span class=\"_ _1\"></span> profit or los<span class=\"_ _1\"></span>s wh<span class=\"ls8 wsa\">en an asse<span class=\"_ _0\"></span>t is ne<span class=\"_ _0\"></span>wly origi<span class=\"_ _0\"></span>nated.<span class=\"ls1 ws1\"> </span></span>When the fair v<span class=\"_ _1\"></span>alue of fina<span class=\"_ _1\"></span>ncial as<span class=\"_ _1\"></span>sets differs from<span class=\"_ _1\"></span> the tran<span class=\"_ _1\"></span>saction<span class=\"_ _1\"></span> price on init<span class=\"_ _1\"></span>ial recognit<span class=\"_ _1\"></span>ion, the Group<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e as foll<span class=\"_ _1\"></span>ows: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsb\">whe<span class=\"_ _0\"></span>n the fai<span class=\"_ _0\"></span>r value i<span class=\"_ _0\"></span>s evidence<span class=\"_ _0\"></span>d by a quoted pri<span class=\"_ _0\"></span>ce in an a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arket<span class=\"_ _0\"></span> for an identi<span class=\"_ _0\"></span>cal asset (i<span class=\"_ _0\"></span>.e. a </span></span>Level<span class=\"_ _0\"></span> 1 input) or<span class=\"_ _0\"></span> based on a valuat<span class=\"_ _0\"></span>ion tec<span class=\"_ _0\"></span>hnique that u<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span> only data fr<span class=\"_ _0\"></span>om obser<span class=\"_ _0\"></span>vable m<span class=\"_ _0\"></span>arkets, the<span class=\"_ _0\"></span> difference is reco<span class=\"_ _1\"></span>gnised a<span class=\"_ _1\"></span>s a gain or lo<span class=\"_ _1\"></span>ss; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws3b\">in all o<span class=\"_ _1\"></span>ther cas<span class=\"_ _1\"></span>es, t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e is def<span class=\"_ _1\"></span>erred an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e timin<span class=\"_ _1\"></span>g of r<span class=\"_ _1\"></span>ecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red da<span class=\"_ _1\"></span>y on<span class=\"_ _1\"></span>e profi<span class=\"_ _1\"></span>t </span></span>or loss is det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned indivi<span class=\"_ _0\"></span>dually. It i<span class=\"_ _0\"></span>s eithe<span class=\"_ _0\"></span>r amort<span class=\"_ _0\"></span>ised over the<span class=\"_ _0\"></span> life of<span class=\"_ _0\"></span> the instrume<span class=\"_ _0\"></span>nt, def<span class=\"_ _0\"></span>erred unti<span class=\"_ _0\"></span>l the in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ment's fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue can b<span class=\"_ _1\"></span>e determin<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws3a\">using market obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs, or<span class=\"_ _0\"></span> reali<span class=\"_ _0\"></span>sed through<span class=\"_ _0\"></span> </span></span>settl<span class=\"_ _1\"></span>ement.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.4.2<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span>Clas<span class=\"_ _1\"></span>sification<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws15\">and subsequent m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>ment <span class=\"ls1 ws1\"> </span></span></span>The Grou<span class=\"_ _1\"></span>p clas<span class=\"_ _1\"></span>sifies<span class=\"_ _1\"></span> its fin<span class=\"_ _1\"></span>anci<span class=\"_ _1\"></span>al as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> in the foll<span class=\"_ _1\"></span>owing m<span class=\"_ _1\"></span>eas<span class=\"_ _1\"></span>urement<span class=\"_ _1\"></span> categori<span class=\"_ _1\"></span>es:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 lsd ws44\">Fair </span><span class=\"ff1\">v<span class=\"ls6 ws7\">alue th<span class=\"_ _1\"></span>rough pro<span class=\"_ _1\"></span>fit or loss (\u2018FVPL\u2019);</span> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsa\">Fair<span class=\"_ _0\"></span> value thro<span class=\"_ _0\"></span>ugh other c<span class=\"_ _0\"></span>ompre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> (\u2018FVOC<span class=\"_ _0\"></span>I\u2019); or<span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws6\">Amortis<span class=\"_ _1\"></span>ed cost<span class=\"_ _1\"></span>.</span><span class=\"ff1\"> </span></span>1.4.2.1 <span class=\"ff5 lsb ws24\">Debt instruments<span class=\"_ _bc\"> </span></span><span class=\"ls1 ws1\"> </span>Debt in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> are thos<span class=\"_ _1\"></span>e instru<span class=\"_ _1\"></span>ments t<span class=\"_ _1\"></span>hat meet th<span class=\"_ _1\"></span>e definit<span class=\"_ _1\"></span>ion of a<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial lia<span class=\"_ _1\"></span>bilit<span class=\"_ _1\"></span>y from the iss<span class=\"_ _1\"></span>uer's perspec<span class=\"_ _0\"></span>tive, such a<span class=\"_ _0\"></span>s loans, g<span class=\"_ _0\"></span>overnm<span class=\"_ _0\"></span>ent and cor<span class=\"_ _0\"></span>porate bonds and t<span class=\"_ _0\"></span>rade re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vables purcha<span class=\"_ _0\"></span>sed from<span class=\"_ _0\"></span> clients<span class=\"_ _0\"></span> in factoring a<span class=\"_ _1\"></span>rrangements<span class=\"_ _1\"></span> without recou<span class=\"_ _1\"></span>rse.<span class=\"ls1 ws1\"> </span>Classif<span class=\"_ _0\"></span>ication a<span class=\"_ _0\"></span>nd subseque<span class=\"_ _0\"></span>nt m<span class=\"_ _0\"></span>easureme<span class=\"_ _0\"></span>nt of de<span class=\"_ _0\"></span>bt instrume<span class=\"_ _0\"></span>nts depe<span class=\"_ _0\"></span>nd on: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws7\">the <span class=\"ls8 wsa\">Group's busine<span class=\"_ _0\"></span>ss model f<span class=\"_ _0\"></span>or mana<span class=\"_ _0\"></span>ging the<span class=\"_ _0\"></span> asset; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws6\">the cas<span class=\"_ _1\"></span>h</span><span class=\"ff1\"> <span class=\"ls5 ws6\">flow ch<span class=\"_ _1\"></span>aract<span class=\"_ _1\"></span>eristic<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span></span></span></span>Based on the<span class=\"_ _0\"></span>se factor<span class=\"_ _0\"></span>s the Group cl<span class=\"_ _0\"></span>assifie<span class=\"_ _0\"></span>s its debt instrument<span class=\"_ _0\"></span>s into one of<span class=\"_ _0\"></span> the follo<span class=\"_ _0\"></span>wing three measu<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span> categor<span class=\"_ _1\"></span>ies:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws6b\">Amorti<span class=\"_ _0\"></span>sed cost:<span class=\"ff1 ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls5 ws1a\">Asset<span class=\"_ _1\"></span>s that a<span class=\"_ _1\"></span>re held for c<span class=\"_ _1\"></span>ollectio<span class=\"_ _1\"></span>n of co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws where t<span class=\"_ _1\"></span>hose cas<span class=\"_ _1\"></span>h flows </span></span></span></span>repre<span class=\"_ _0\"></span>sent sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of princ<span class=\"_ _0\"></span>ipal and inte<span class=\"_ _0\"></span>rest (<span class=\"_ _0\"></span>\u2018SPPI\u2019<span class=\"_ _0\"></span>), and that ar<span class=\"_ _0\"></span>e not<span class=\"_ _0\"></span> designate<span class=\"_ _0\"></span>d at F<span class=\"_ _0\"></span>VPL, ar<span class=\"_ _0\"></span>e measu<span class=\"_ _1\"></span>red at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t. The carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f these as<span class=\"_ _1\"></span>sets is <span class=\"ls8 ws11\">adjusted by an<span class=\"_ _0\"></span>y Ex<span class=\"_ _0\"></span>pec<span class=\"_ _0\"></span>ted Cr<span class=\"_ _0\"></span>edit </span>Loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nce reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> and meas<span class=\"_ _1\"></span>ured a<span class=\"_ _1\"></span>s describ<span class=\"_ _1\"></span>ed in no<span class=\"_ _1\"></span>te 1.4.3.<span class=\"_ _1\"></span> Interes<span class=\"_ _1\"></span>t inco<span class=\"_ _1\"></span>me from thes<span class=\"_ _1\"></span>e finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> is inc<span class=\"_ _1\"></span>luded<span class=\"_ _1\"></span> in \u2018Interes<span class=\"_ _1\"></span>t income\u2019<span class=\"_ _1\"></span> usin<span class=\"_ _1\"></span>g the ef<span class=\"_ _1\"></span>fecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> rate meth<span class=\"_ _1\"></span>od.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws24\">Fair<span class=\"_ _0\"></span> value through other<span class=\"_ _0\"></span> comprehens<span class=\"_ _0\"></span>ive income (\u2018F<span class=\"_ _0\"></span>VOCI<span class=\"_ _0\"></span>\u2019):<span class=\"ff1 ls1 ws1\"> <span class=\"ls6 ws7\">Financial a<span class=\"_ _1\"></span>ssets th<span class=\"_ _1\"></span>at are held for collection<span class=\"_ _1\"></span> </span></span></span></span>of con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span> and for s<span class=\"_ _1\"></span>elling<span class=\"_ _1\"></span> the ass<span class=\"_ _1\"></span>ets, wh<span class=\"_ _1\"></span>ere the as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>\u2019 cash fl<span class=\"_ _1\"></span>ows rep<span class=\"_ _1\"></span>resent so<span class=\"_ _1\"></span>lely payments of<span class=\"_ _0\"></span> princi<span class=\"_ _0\"></span>pal and intere<span class=\"_ _0\"></span>st, and that are<span class=\"_ _0\"></span> not desig<span class=\"_ _0\"></span>nated at FVP<span class=\"_ _0\"></span>L, are measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span> through othe<span class=\"_ _0\"></span>r compr<span class=\"_ _0\"></span>ehensi<span class=\"_ _0\"></span>ve income<span class=\"_ _0\"></span> (\u2018FVOCI\u2019).<span class=\"_ _0\"></span> Movement<span class=\"_ _0\"></span>s in the carryi<span class=\"_ _0\"></span>ng amount a<span class=\"_ _0\"></span>re taken thro<span class=\"_ _0\"></span>ugh OCI, exc<span class=\"_ _1\"></span>ept fo<span class=\"_ _1\"></span>r th<span class=\"_ _1\"></span>e recog<span class=\"_ _1\"></span>nit<span class=\"_ _1\"></span>ion of i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> or rev<span class=\"_ _1\"></span>ersal<span class=\"_ _1\"></span>s, in<span class=\"_ _1\"></span>terest i<span class=\"_ _1\"></span>ncom<span class=\"_ _1\"></span>e and<span class=\"_ _1\"></span> foreign<span class=\"_ _1\"></span> exchange gains<span class=\"_ _1\"></span> and los<span class=\"_ _1\"></span>ses on the ins<span class=\"_ _1\"></span>trument\u2019s a<span class=\"_ _1\"></span>mortised cost<span class=\"_ _1\"></span> which are recognis<span class=\"_ _1\"></span>ed in pro<span class=\"_ _1\"></span>fit or loss.<span class=\"_ _1\"></span> When the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et is derecognised, the cumula<span class=\"_ _1\"></span>tive gain or lo<span class=\"_ _1\"></span>ss previously recogn<span class=\"_ _1\"></span>ised in OCI is reclas<span class=\"_ _1\"></span>sified fr<span class=\"_ _1\"></span>om eq<span class=\"_ _1\"></span>uity t<span class=\"_ _1\"></span>o pr<span class=\"_ _1\"></span>ofit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>. Inter<span class=\"_ _1\"></span>est in<span class=\"_ _1\"></span>come f<span class=\"_ _1\"></span>rom thes<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws34\">finan<span class=\"_ _1\"></span>cial assets<span class=\"_ _1\"></span> is included<span class=\"_ _1\"></span> in </span></span>\u2018Int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come\u2019 us<span class=\"_ _1\"></span>ing t<span class=\"_ _1\"></span>he effect<span class=\"_ _1\"></span>ive int<span class=\"_ _1\"></span>erest<span class=\"_ _1\"></span> rate meth<span class=\"_ _1\"></span>od.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws48\">Fair<span class=\"_ _0\"></span> value through pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss (\u2018FVP<span class=\"_ _0\"></span>L\u2019):<span class=\"ff1 ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls5 ws35\">Ass<span class=\"_ _1\"></span>ets th<span class=\"_ _1\"></span>at do<span class=\"_ _1\"></span> not meet the cri<span class=\"_ _1\"></span>teria<span class=\"_ _1\"></span> for amor<span class=\"_ _1\"></span>tis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t or </span></span></span></span>FVOCI are<span class=\"_ _0\"></span> measured at fair value thr<span class=\"_ _0\"></span>ough profit or lo<span class=\"_ _0\"></span>ss. A gain or los<span class=\"_ _0\"></span>s on a financi<span class=\"_ _0\"></span>al assets that i<span class=\"_ _11\"></span>s subsequently<span class=\"_ _0\"></span> me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span> value thr<span class=\"_ _0\"></span>ough pro<span class=\"_ _0\"></span>fit or<span class=\"_ _0\"></span> los<span class=\"_ _0\"></span>s is <span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gnised in pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss a<span class=\"_ _0\"></span>nd<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws7\">pres<span class=\"_ _1\"></span>ented<span class=\"_ _1\"></span> </span></span>in the income s<span class=\"_ _1\"></span>tatement with<span class=\"_ _1\"></span>in \u2018Net trad<span class=\"_ _1\"></span>ing income\u2019 in th<span class=\"_ _1\"></span>e period in which it aris<span class=\"_ _1\"></span>es, unless it aris<span class=\"_ _1\"></span>es from as<span class=\"_ _1\"></span>sets t<span class=\"_ _1\"></span>hat wer<span class=\"_ _1\"></span>e design<span class=\"_ _1\"></span>ated a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue or<span class=\"_ _1\"></span> which a<span class=\"_ _1\"></span>re not hel<span class=\"_ _1\"></span>d for tr<span class=\"_ _1\"></span>ading<span class=\"_ _1\"></span>, in which<span class=\"_ _1\"></span> case it<span class=\"_ _1\"></span> <span class=\"ls16 ws6f\">is </span>presen<span class=\"_ _1\"></span>ted s<span class=\"_ _1\"></span>eparat<span class=\"_ _1\"></span>ely in \u2018<span class=\"_ _1\"></span>Net in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>t inco<span class=\"_ _1\"></span>me\u2019. Int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t in<span class=\"_ _1\"></span>come fro<span class=\"_ _1\"></span>m these <span class=\"_ _1\"></span>finan<span class=\"_ _1\"></span>cia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets is inclu<span class=\"_ _1\"></span>ded in<span class=\"_ _1\"></span> \u2018Inter<span class=\"_ _1\"></span>est in<span class=\"_ _1\"></span>come\u2019 us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e effectiv<span class=\"_ _1\"></span>e inter<span class=\"_ _1\"></span>est.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The amortised cos<span class=\"_ _1\"></span>t is the amou<span class=\"_ _1\"></span>nt at which<span class=\"_ _1\"></span> the financial ass<span class=\"_ _1\"></span>et or financial lia<span class=\"_ _1\"></span>bility is measured<span class=\"_ _1\"></span> at initial<span class=\"_ _1\"></span> recognition min<span class=\"_ _1\"></span>us the pri<span class=\"_ _1\"></span>ncipal repayments<span class=\"_ _1\"></span>, plus or minus the cumulativ<span class=\"_ _1\"></span>e amortisation<span class=\"_ _1\"></span> using the effective interes<span class=\"_ _1\"></span>t metho<span class=\"_ _1\"></span>d of an<span class=\"_ _1\"></span>y differ<span class=\"_ _1\"></span>ence b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> <span class=\"ls8 ws2d\">that init<span class=\"_ _0\"></span>ial amount and t<span class=\"_ _0\"></span>he m<span class=\"_ _0\"></span>aturity am<span class=\"_ _0\"></span>ount and, f<span class=\"_ _0\"></span>or fi<span class=\"_ _0\"></span>nancial </span>assets, adjusted for an<span class=\"_ _0\"></span>y credit loss allowanc<span class=\"_ _0\"></span>e. <span class=\"ls1\"> </span>The effect<span class=\"_ _1\"></span>ive int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>counts es<span class=\"_ _1\"></span>timat<span class=\"_ _1\"></span>ed futu<span class=\"_ _1\"></span>re cash p<span class=\"_ _1\"></span>ayments or<span class=\"_ _1\"></span> receipts<span class=\"_ _1\"></span> through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liability<span class=\"_ _1\"></span> to the gross<span class=\"_ _1\"></span> carryin<span class=\"_ _1\"></span>g amount of a<span class=\"_ _1\"></span> financial as<span class=\"_ _1\"></span>set (i.e. its amortis<span class=\"_ _1\"></span>ed cost before any<span class=\"_ _1\"></span> credit loss allowance) or to th<span class=\"_ _1\"></span>e amortised cost of a finan<span class=\"_ _1\"></span>cial liability.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>alculation doe<span class=\"_ _0\"></span>s not consider e<span class=\"_ _0\"></span>xpected c<span class=\"_ _0\"></span>redit losse<span class=\"_ _0\"></span>s and include<span class=\"_ _0\"></span>s transactio<span class=\"_ _0\"></span>n costs, pr<span class=\"_ _0\"></span>emi<span class=\"_ _0\"></span>ums or discounts a<span class=\"_ _0\"></span>nd fee<span class=\"_ _0\"></span>s and points pa<span class=\"_ _0\"></span>id or re<span class=\"_ _0\"></span>ceive<span class=\"_ _0\"></span>d that are<span class=\"_ _0\"></span> integr<span class=\"_ _0\"></span>al to the<span class=\"_ _0\"></span> effec<span class=\"_ _0\"></span>tive inte<span class=\"_ _0\"></span>rest rate, suc<span class=\"_ _0\"></span>h as originatio<span class=\"_ _1\"></span>n fees. For purch<span class=\"_ _1\"></span>ased or origin<span class=\"_ _1\"></span>ated cred<span class=\"ws8\">it<span class=\"ls1 ws1\">-</span></span>impa<span class=\"_ _1\"></span>ired (\u2018POCI\u2019) <span class=\"_ _1\"></span>financial a<span class=\"_ _1\"></span>ssets <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span><span class=\"ls9 ws11d\">assets that are </span></span>credit<span class=\"ls1 ws1\">-</span><span class=\"ws1d\">impair<span class=\"_ _1\"></span>ed at initial reco<span class=\"_ _1\"></span>gnition<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">- </span>the Bank calculates t<span class=\"_ _1\"></span>he credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">adju<span class=\"_ _1\"></span>sted<span class=\"_ _1\"></span> effectiv<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>te, whi<span class=\"_ _1\"></span>ch<span class=\"_ _1\"></span> </span></span></span>is calculat<span class=\"_ _1\"></span>ed based on th<span class=\"_ _1\"></span>e amortised cost of th<span class=\"_ _1\"></span>e financial as<span class=\"_ _1\"></span>set instead of its<span class=\"_ _1\"></span> gross ca<span class=\"ls8 wsb\">rrying am<span class=\"_ _0\"></span>ount and<span class=\"_ _0\"></span> </span>incor<span class=\"_ _1\"></span>porat<span class=\"_ _1\"></span>es the i<span class=\"_ _1\"></span>mpact o<span class=\"_ _1\"></span>f expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses in<span class=\"_ _1\"></span> estima<span class=\"_ _1\"></span>ted fut<span class=\"_ _1\"></span>ure cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>When t<span class=\"_ _1\"></span>he Ban<span class=\"_ _1\"></span>k rev<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he es<span class=\"_ _1\"></span>timates<span class=\"_ _1\"></span> of fu<span class=\"_ _1\"></span>ture <span class=\"_ _1\"></span>cash<span class=\"_ _1\"></span> flows, t<span class=\"_ _1\"></span>he ca<span class=\"_ _1\"></span>rryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the r<span class=\"_ _1\"></span>esp<span class=\"_ _1\"></span>ective f<span class=\"_ _1\"></span>inan<span class=\"_ _1\"></span>cial asset or fin<span class=\"_ _1\"></span>ancial liab<span class=\"_ _1\"></span>ility is adjus<span class=\"_ _1\"></span>ted to reflect the ne<span class=\"_ _1\"></span>w estimate di<span class=\"_ _1\"></span>scounted u<span class=\"_ _1\"></span>sing the or<span class=\"_ _1\"></span>iginal effective<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e. Any ch<span class=\"_ _1\"></span>anges<span class=\"_ _1\"></span> are reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">in profit o<span class=\"_ _1\"></span>r loss.</span> </span>The B<span class=\"_ _0\"></span>ank reclassif<span class=\"_ _0\"></span>ies de<span class=\"_ _0\"></span>bt instruments w<span class=\"_ _0\"></span>hen and only w<span class=\"_ _0\"></span>hen its business m<span class=\"_ _0\"></span>odel f<span class=\"_ _0\"></span>or managing<span class=\"_ _0\"></span> those assets<span class=\"_ _0\"></span> changes. The recla<span class=\"_ _1\"></span>ssification<span class=\"_ _1\"></span> takes place from th<span class=\"_ _1\"></span>e start of the first reportin<span class=\"_ _1\"></span>g period following the cha<span class=\"_ _1\"></span>nge. Such chang<span class=\"_ _0\"></span>es are e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted to be ver<span class=\"_ _0\"></span>y infre<span class=\"_ _0\"></span>quent and none<span class=\"_ _0\"></span> occ<span class=\"_ _0\"></span>urred dur<span class=\"_ _0\"></span>ing the<span class=\"_ _0\"></span> period.<span class=\"ls1 ws1\"> </span>(a)<span class=\"ff9 ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ff5 lsb ws2c\">Business<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"lsb ws24\">model assessment</span> </span></span></span>Key ma<span class=\"_ _0\"></span>nagement<span class=\"_ _0\"></span> personnel<span class=\"_ _0\"></span> dete<span class=\"_ _0\"></span>rmine the<span class=\"_ _0\"></span> Group\u2019s busi<span class=\"_ _0\"></span>ness mode<span class=\"_ _0\"></span>l by conside<span class=\"_ _0\"></span>ring t<span class=\"_ _11\"></span>he way financial inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s are man<span class=\"_ _1\"></span>aged i<span class=\"_ _1\"></span>n order to<span class=\"_ _1\"></span> generat<span class=\"_ _1\"></span>e cash<span class=\"_ _1\"></span> flows. T<span class=\"_ _1\"></span>hat i<span class=\"_ _1\"></span>s, wheth<span class=\"_ _1\"></span>er the Grou<span class=\"_ _1\"></span>p's o<span class=\"_ _1\"></span>bjecti<span class=\"_ _1\"></span>ve is s<span class=\"_ _1\"></span>olely to collect the con<span class=\"_ _1\"></span>tractual ca<span class=\"_ _1\"></span>sh flows from the ass<span class=\"_ _1\"></span>ets or is to collect both th<span class=\"_ _1\"></span>e contractual cash<span class=\"_ _1\"></span> flows and cash<span class=\"_ _1\"></span> flows a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g from th<span class=\"_ _1\"></span>e sal<span class=\"_ _1\"></span>e of ass<span class=\"_ _1\"></span>ets. I<span class=\"_ _1\"></span>f neither<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>ese i<span class=\"_ _1\"></span>s app<span class=\"_ _1\"></span>licab<span class=\"_ _1\"></span>le (e.g.<span class=\"_ _1\"></span> financ<span class=\"_ _1\"></span>ial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> are hel<span class=\"_ _1\"></span>d for trading purpo<span class=\"_ _0\"></span>ses), the<span class=\"_ _0\"></span>n the fi<span class=\"_ _0\"></span>nancial a<span class=\"_ _0\"></span>ssets are c<span class=\"_ _0\"></span>lassifi<span class=\"_ _0\"></span>ed as part of<span class=\"_ _0\"></span> 'othe<span class=\"_ _0\"></span>r' busine<span class=\"_ _0\"></span>ss mo<span class=\"ls5 ws22\">del and<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red </span>at FVPL<span class=\"_ _1\"></span>. Such<span class=\"_ _1\"></span> asses<span class=\"_ _1\"></span>sment<span class=\"_ _1\"></span> is p<span class=\"_ _1\"></span>erform<span class=\"_ _1\"></span>ed at a<span class=\"_ _1\"></span> \u2018port<span class=\"_ _1\"></span>folio l<span class=\"_ _1\"></span>evel' a<span class=\"_ _1\"></span>s it b<span class=\"_ _1\"></span>est re<span class=\"_ _1\"></span>flects<span class=\"_ _1\"></span> the wa<span class=\"_ _1\"></span>y th<span class=\"_ _1\"></span>e busi<span class=\"_ _1\"></span>ness<span class=\"_ _1\"></span> is manage<span class=\"_ _0\"></span>d and infor<span class=\"_ _0\"></span>mation i<span class=\"_ _0\"></span>s provided to m<span class=\"_ _0\"></span>anage<span class=\"_ _0\"></span>ment.<span class=\"ls1 ws1\"> </span>The inf<span class=\"_ _0\"></span>ormation t<span class=\"_ _0\"></span>hat will<span class=\"_ _0\"></span> be consider<span class=\"_ _0\"></span>ed in such a<span class=\"_ _0\"></span>ssessme<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>ludes:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsed\">the obj<span class=\"_ _0\"></span>ective<span class=\"_ _0\"></span>s for the<span class=\"_ _0\"></span> portfolio<span class=\"_ _0\"></span> including<span class=\"_ _0\"></span> whethe<span class=\"_ _0\"></span>r management\u2019<span class=\"_ _0\"></span>s strategy f<span class=\"_ _0\"></span>ocuses on e<span class=\"_ _0\"></span>arning<span class=\"_ _0\"></span> </span></span>contractu<span class=\"_ _1\"></span>al interest reven<span class=\"_ _1\"></span>ue, maintain<span class=\"_ _1\"></span>ing a particu<span class=\"_ _1\"></span>lar interest rate profile, mat<span class=\"_ _1\"></span>ching the du<span class=\"_ _1\"></span>ration of the financia<span class=\"_ _1\"></span>l assets t<span class=\"_ _1\"></span>o the duration of the lia<span class=\"_ _1\"></span>bilities tha<span class=\"_ _1\"></span>t are funding t<span class=\"_ _1\"></span>hose assets o<span class=\"_ _1\"></span>r realising cash flo<span class=\"_ _1\"></span>ws thro<span class=\"_ _1\"></span>ugh th<span class=\"_ _1\"></span>e sale o<span class=\"_ _1\"></span>f ass<span class=\"_ _1\"></span>ets;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws4f\">the me<span class=\"_ _0\"></span>thod for the e<span class=\"_ _0\"></span>valuation of<span class=\"_ _0\"></span> the perf<span class=\"_ _0\"></span>ormance of t<span class=\"_ _0\"></span>he portfoli<span class=\"_ _0\"></span>o and how such pe<span class=\"_ _0\"></span>rformance<span class=\"_ _0\"></span> is </span></span>report<span class=\"_ _1\"></span>ed to t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s ma<span class=\"_ _1\"></span>nagem<span class=\"_ _1\"></span>ent;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws2d\">the r<span class=\"_ _0\"></span>isks that <span class=\"_ _0\"></span>aff<span class=\"_ _0\"></span>ect the<span class=\"_ _0\"></span> perf<span class=\"_ _0\"></span>ormance<span class=\"_ _0\"></span> of the busi<span class=\"_ _0\"></span>ness m<span class=\"_ _0\"></span>odel (<span class=\"_ _0\"></span>and the fi<span class=\"_ _0\"></span>nancial as<span class=\"_ _0\"></span>sets <span class=\"_ _0\"></span>held <span class=\"_ _0\"></span>withi<span class=\"_ _0\"></span>n that </span></span>business mode<span class=\"_ _0\"></span>l) and how<span class=\"_ _0\"></span> those<span class=\"_ _0\"></span> risks are<span class=\"_ _0\"></span> manage<span class=\"_ _0\"></span>d; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws13\">the f<span class=\"_ _0\"></span>reque<span class=\"_ _0\"></span>ncy, volume<span class=\"_ _0\"></span> and ti<span class=\"_ _11\"></span>ming of sales i<span class=\"_ _0\"></span>n prio<span class=\"_ _0\"></span>r pe<span class=\"_ _0\"></span>riods, <span class=\"_ _0\"></span>the r<span class=\"_ _0\"></span>easons f<span class=\"_ _0\"></span>or suc<span class=\"_ _0\"></span>h sale<span class=\"_ _0\"></span>s and <span class=\"_ _0\"></span>expe<span class=\"_ _0\"></span>ctations </span></span>about future sales activity. How<span class=\"_ _0\"></span>ever, informati<span class=\"_ _0\"></span>on about sales activity is not considered in isolation, but as part<span class=\"_ _0\"></span> of a<span class=\"_ _0\"></span>n ove<span class=\"_ _0\"></span>rall a<span class=\"_ _0\"></span>ssessme<span class=\"_ _0\"></span>nt of how<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> G<span class=\"ls6 ws1f\">roup\u2019s stated obj<span class=\"_ _1\"></span>ective for managing the finan<span class=\"_ _1\"></span>cial </span>ass<span class=\"_ _1\"></span>ets is ac<span class=\"_ _1\"></span>hieved<span class=\"_ _1\"></span> and h<span class=\"_ _1\"></span>ow cash fl<span class=\"_ _1\"></span>ows are r<span class=\"_ _1\"></span>ealised<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>Financia<span class=\"_ _0\"></span>l assets that ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d for tra<span class=\"_ _0\"></span>ding and tho<span class=\"_ _0\"></span>se that ar<span class=\"_ _0\"></span>e manag<span class=\"_ _0\"></span>ed and who<span class=\"_ _0\"></span>se perf<span class=\"_ _0\"></span>ormance is e<span class=\"_ _0\"></span>valuated<span class=\"_ _0\"></span> on a fair value b<span class=\"_ _1\"></span>asis will be measured at FVPL b<span class=\"_ _1\"></span>ecause they are neith<span class=\"_ _1\"></span>er held to collect con<span class=\"_ _1\"></span>tractual cash flows nor held<span class=\"_ _1\"></span> both to collect contractua<span class=\"_ _1\"></span>l cash flows and to sell financial as<span class=\"_ _1\"></span>sets. Securities h<span class=\"_ _1\"></span>eld for trading are hel<span class=\"_ _0\"></span>d princi<span class=\"_ _0\"></span>pally for<span class=\"_ _0\"></span> the purpose of<span class=\"_ _0\"></span> selling<span class=\"_ _0\"></span> in the near<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span> or are pa<span class=\"_ _0\"></span>rt of a portf<span class=\"_ _0\"></span>olio of<span class=\"_ _0\"></span> financi<span class=\"_ _0\"></span>al inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t are man<span class=\"_ _1\"></span>aged<span class=\"_ _1\"></span> togeth<span class=\"_ _1\"></span>er and<span class=\"_ _1\"></span> for wh<span class=\"_ _1\"></span>ich th<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e is evid<span class=\"_ _1\"></span>enc<span class=\"_ _1\"></span>e of a re<span class=\"_ _1\"></span>cent a<span class=\"_ _1\"></span>ct<span class=\"ls8 ws53\">ual pattern of shor<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span>term pro<span class=\"_ _1\"></span>fit<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">tak<span class=\"_ _1\"></span>ing.</span> </span>The Bank may als<span class=\"_ _1\"></span>o irrevocably design<span class=\"_ _1\"></span>ate financial ass<span class=\"_ _1\"></span>ets at fair value through profit or los<span class=\"_ _1\"></span>s if doing so significant<span class=\"_ _1\"></span>ly reduces or eli<span class=\"_ _1\"></span>minat<span class=\"_ _1\"></span>es a mismatch creat<span class=\"_ _1\"></span>ed by ass<span class=\"_ _1\"></span>ets and lia<span class=\"_ _1\"></span>bilities being meas<span class=\"_ _1\"></span>ured on di<span class=\"_ _1\"></span>fferent bases.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>(b)<span class=\"ff9 ls1 ws1\"> <span class=\"_ _88\"> </span><span class=\"ff5 lsb ws24\">Cash flows that repr<span class=\"_ _0\"></span>esent solely payment<span class=\"_ _0\"></span> of principal<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est (\u2018SPPI<span class=\"_ _0\"></span>\u2019)<span class=\"ls1 ws1\"> </span></span></span>In res<span class=\"_ _1\"></span>pect of a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s wher<span class=\"_ _1\"></span>e the<span class=\"_ _1\"></span> intent<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f the bu<span class=\"_ _1\"></span>sines<span class=\"_ _1\"></span>s mod<span class=\"_ _1\"></span>el is to<span class=\"_ _1\"></span> hold t<span class=\"_ _1\"></span>he fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s to co<span class=\"_ _1\"></span>llect th<span class=\"_ _1\"></span>e contractu<span class=\"_ _1\"></span>al cash flows<span class=\"_ _1\"></span> or to hold to col<span class=\"_ _1\"></span>lect and to sell, the Group<span class=\"_ _1\"></span> assesses wheth<span class=\"_ _1\"></span>er the financial inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s\u2019 cash<span class=\"_ _1\"></span> flows r<span class=\"_ _1\"></span>epresen<span class=\"_ _1\"></span>t solel<span class=\"_ _1\"></span>y paymen<span class=\"_ _1\"></span><span class=\"ls8 ws3c\">ts of <span class=\"_ _0\"></span>principa<span class=\"_ _0\"></span>l and int<span class=\"_ _0\"></span>erest<span class=\"_ _0\"></span> (the SP<span class=\"_ _0\"></span>PI t<span class=\"_ _0\"></span>est)<span class=\"_ _0\"></span>. In maki<span class=\"_ _0\"></span>ng thi<span class=\"_ _0\"></span>s </span>assessment<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup consider<span class=\"_ _0\"></span>s whethe<span class=\"_ _0\"></span>r the contr<span class=\"_ _0\"></span>actual cash fl<span class=\"_ _0\"></span>ows are consi<span class=\"_ _0\"></span>stent wi<span class=\"_ _0\"></span>th a basic lendi<span class=\"_ _0\"></span>ng agreement. \u2018Pri<span class=\"_ _1\"></span>ncipal\u2019 is t<span class=\"_ _1\"></span>he fair va<span class=\"_ _1\"></span>lue of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et at initial recogn<span class=\"_ _1\"></span>ition. It i<span class=\"ls9 ws6f\">s n<span class=\"_ _1\"></span>ot the amount that </span>is du<span class=\"_ _1\"></span>e und<span class=\"_ _1\"></span>er the co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual terms of a<span class=\"_ _1\"></span>n ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>t. \u2018In<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span>\u2019 is the co<span class=\"_ _1\"></span>mpens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> for time v<span class=\"_ _1\"></span>alue o<span class=\"_ _1\"></span>f money<span class=\"_ _1\"></span> and credit r<span class=\"_ _1\"></span>isk of a basic lend<span class=\"_ _1\"></span>ing<span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">type re<span class=\"_ _0\"></span>turn. A basic<span class=\"_ _0\"></span> lending<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">type re<span class=\"_ _0\"></span>turn coul<span class=\"_ _0\"></span>d also incl<span class=\"_ _0\"></span>ude c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion </span></span></span></span>for other basic<span class=\"_ _0\"></span> l<span class=\"ls6 ws1d\">ending risks (for example, liqu<span class=\"_ _1\"></span>idity risk) and consi<span class=\"_ _1\"></span>deration for cos<span class=\"_ _1\"></span>ts associated with ho<span class=\"_ _1\"></span>lding </span>the financia<span class=\"_ _1\"></span>l asset for a parti<span class=\"_ _1\"></span>cular period of time (for examp<span class=\"_ _1\"></span>le, servicing or<span class=\"_ _1\"></span> administra<span class=\"_ _1\"></span>tive costs) and/or a profit margin t<span class=\"_ _1\"></span>hat is con<span class=\"_ _1\"></span>sistent with a b<span class=\"_ _1\"></span>asic lendi<span class=\"ls8 ws11\">ng arrangem<span class=\"_ _0\"></span>ent. Whe<span class=\"_ _0\"></span>re the cont<span class=\"_ _0\"></span>ractual ter<span class=\"_ _0\"></span>ms introduc<span class=\"_ _0\"></span>e </span>exposure to<span class=\"_ _1\"></span> risk or vo<span class=\"_ _1\"></span>latility that ar<span class=\"_ _1\"></span>e inconsis<span class=\"_ _1\"></span>tent with a basic len<span class=\"_ _1\"></span>ding arrangem<span class=\"_ _1\"></span>ent, the related<span class=\"_ _1\"></span> financial<span class=\"_ _1\"></span> asset is classifi<span class=\"_ _0\"></span>ed and measured at fai<span class=\"_ _0\"></span>r value through profit <span class=\"_ _0\"></span>or loss.<span class=\"ls1\"> </span>Unlike<span class=\"_ _0\"></span> the busine<span class=\"_ _0\"></span>ss model a<span class=\"_ _0\"></span>ssessment,<span class=\"_ _0\"></span> the SPP<span class=\"_ _0\"></span>I assessme<span class=\"_ _0\"></span>nt is perf<span class=\"_ _0\"></span>orme<span class=\"_ _0\"></span>d for eac<span class=\"_ _0\"></span>h individual product<span class=\"_ _0\"></span> or portfoli<span class=\"_ _0\"></span>o of produc<span class=\"_ _0\"></span>ts. The<span class=\"_ _0\"></span> followi<span class=\"_ _0\"></span>ng conside<span class=\"_ _0\"></span>rations ar<span class=\"_ _0\"></span>e made<span class=\"_ _0\"></span> when asse<span class=\"_ _0\"></span>ssing consist<span class=\"_ _0\"></span>ency <span class=\"_ _0\"></span>with SP<span class=\"_ _0\"></span>PI:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls8 ws11\">contingent e<span class=\"_ _0\"></span>vents that w<span class=\"_ _0\"></span>ould<span class=\"_ _0\"></span> change t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> and timing<span class=\"_ _0\"></span> of cash f<span class=\"_ _0\"></span>lows suc<span class=\"_ _0\"></span>h as contr<span class=\"_ _11\"></span>actual term </span></span>resett<span class=\"_ _1\"></span>ing in<span class=\"_ _1\"></span>terest t<span class=\"_ _1\"></span>o a hig<span class=\"_ _1\"></span>her amou<span class=\"_ _1\"></span>nt in<span class=\"_ _1\"></span> the even<span class=\"_ _1\"></span>t of a mis<span class=\"_ _1\"></span>sed p<span class=\"_ _1\"></span>aymen<span class=\"_ _1\"></span>t;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls6 ws55\">leverage <span class=\"_ _1\"></span>features, being co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual cash flow ch<span class=\"_ _1\"></span>aracteris<span class=\"_ _1\"></span>tics that i<span class=\"_ _1\"></span>ncrease the var<span class=\"_ _1\"></span>iability of th<span class=\"_ _1\"></span>e </span></span>contractu<span class=\"_ _1\"></span>al cash flows<span class=\"_ _1\"></span> with the result t<span class=\"_ _1\"></span>hat they d<span class=\"_ _1\"></span>o not have economic char<span class=\"_ _1\"></span>acteristics<span class=\"_ _1\"></span> of interest;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls8 wsa\">contractual t<span class=\"_ _0\"></span>erms tha<span class=\"_ _0\"></span>t allow<span class=\"_ _0\"></span> the issuer<span class=\"_ _0\"></span> to prepay (<span class=\"_ _0\"></span>or the hol<span class=\"_ _11\"></span>der to put a debt instr<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>nt back to the<span class=\"_ _0\"></span> </span></span>issuer) be<span class=\"_ _0\"></span>fore m<span class=\"_ _0\"></span>aturity and the<span class=\"_ _0\"></span> prepaym<span class=\"_ _0\"></span>ent amount subs<span class=\"_ _0\"></span>tantiall<span class=\"_ _0\"></span>y repre<span class=\"_ _0\"></span>sents unpaid am<span class=\"_ _0\"></span>ounts of principal<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est, whi<span class=\"_ _0\"></span>ch may inc<span class=\"_ _0\"></span>lude r<span class=\"_ _0\"></span>easonable<span class=\"_ _0\"></span> compe<span class=\"_ _0\"></span>nsa<span class=\"ls5 ws68\">tion fo<span class=\"_ _1\"></span>r early<span class=\"_ _1\"></span> termin<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the </span>contract;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls5 ws16\">con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al terms<span class=\"_ _1\"></span> tha<span class=\"_ _1\"></span>t allow th<span class=\"_ _1\"></span>e issu<span class=\"_ _1\"></span>er or hold<span class=\"_ _1\"></span>er to extend<span class=\"_ _1\"></span> the cont<span class=\"_ _1\"></span>ractu<span class=\"_ _1\"></span>al term a<span class=\"_ _1\"></span>nd the terms<span class=\"_ _1\"></span> of the </span></span>extensi<span class=\"_ _0\"></span>on option re<span class=\"_ _0\"></span>sult in cont<span class=\"_ _0\"></span>ractual c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s during the<span class=\"_ _0\"></span> extension pe<span class=\"_ _0\"></span>riod that<span class=\"_ _0\"></span> are sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of princ<span class=\"_ _0\"></span>ipal and inte<span class=\"_ _0\"></span>rest, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h may inc<span class=\"_ _0\"></span>lude re<span class=\"_ _0\"></span>ason<span class=\"ls5 ws81\">able comp<span class=\"_ _1\"></span>ensa<span class=\"_ _1\"></span>tion fo<span class=\"_ _1\"></span>r the ext<span class=\"_ _1\"></span>ensio<span class=\"_ _1\"></span>n of th<span class=\"_ _1\"></span>e </span>contract; and<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls5 ws92\">featu<span class=\"_ _1\"></span>res th<span class=\"_ _1\"></span>at mod<span class=\"_ _1\"></span>ify c<span class=\"_ _1\"></span>onsid<span class=\"_ _1\"></span>eratio<span class=\"_ _1\"></span>n for t<span class=\"_ _1\"></span>he tim<span class=\"_ _1\"></span>e value o<span class=\"_ _1\"></span>f mo<span class=\"_ _1\"></span>ney (fo<span class=\"_ _1\"></span>r examp<span class=\"_ _1\"></span>le, p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>ic res<span class=\"_ _1\"></span>et of int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t </span></span>rates<span class=\"_ _1\"></span>).<span class=\"_ _bc\"> </span>Finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets wit<span class=\"_ _1\"></span>h embed<span class=\"_ _1\"></span>ded der<span class=\"_ _1\"></span>ivati<span class=\"_ _1\"></span>ves ar<span class=\"_ _1\"></span>e consider<span class=\"_ _1\"></span>ed in thei<span class=\"_ _1\"></span>r entiret<span class=\"_ _1\"></span>y when<span class=\"_ _1\"></span> determin<span class=\"_ _1\"></span>ing whet<span class=\"_ _1\"></span>her their c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s are sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of pri<span class=\"_ _0\"></span>ncipal and i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st.<span class=\"ls1 ws1\"> </span>1.4.2.2 Equ<span class=\"_ _1\"></span>ity instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span>Equ<span class=\"_ _1\"></span>ity ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>s are ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t meet the d<span class=\"_ _1\"></span>efiniti<span class=\"_ _1\"></span>on of eq<span class=\"_ _1\"></span>uity fro<span class=\"_ _1\"></span>m the issu<span class=\"_ _1\"></span>er's pers<span class=\"_ _1\"></span>pectiv<span class=\"_ _1\"></span>e, tha<span class=\"_ _1\"></span>t is, instr<span class=\"_ _0\"></span>uments tha<span class=\"_ _0\"></span>t do not<span class=\"_ _0\"></span> contai<span class=\"_ _0\"></span>n a contrac<span class=\"_ _0\"></span>tual o<span class=\"_ _0\"></span>bligati<span class=\"_ _0\"></span>on to pay a<span class=\"_ _0\"></span>nd tha<span class=\"_ _0\"></span>t evide<span class=\"_ _0\"></span>nce a re<span class=\"_ _0\"></span>sidual inte<span class=\"_ _0\"></span>rest i<span class=\"_ _11\"></span>n the is<span class=\"_ _1\"></span>suer's<span class=\"_ _1\"></span> net as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>. Exampl<span class=\"_ _1\"></span>es of equ<span class=\"_ _1\"></span>i<span class=\"ls8 wsa\">ty instrume<span class=\"_ _0\"></span>nts inclu<span class=\"_ _0\"></span>de basic<span class=\"_ _0\"></span> ordinary <span class=\"_ _0\"></span>shares.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>The G<span class=\"_ _0\"></span>roup subsequent<span class=\"_ _0\"></span>ly mea<span class=\"_ _0\"></span>sures all e<span class=\"_ _0\"></span>quity<span class=\"_ _0\"></span> investm<span class=\"_ _0\"></span>ents at<span class=\"_ _0\"></span> fair val<span class=\"_ _0\"></span>ue throug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it or l<span class=\"_ _0\"></span>oss, exc<span class=\"_ _0\"></span>ept w<span class=\"_ _0\"></span>here the Gro<span class=\"_ _1\"></span>up's ma<span class=\"_ _1\"></span>nagemen<span class=\"_ _1\"></span>t has<span class=\"_ _1\"></span> elected,<span class=\"_ _1\"></span> at ini<span class=\"_ _1\"></span>tial reco<span class=\"_ _1\"></span>gnitio<span class=\"_ _1\"></span>n, to ir<span class=\"_ _1\"></span>revoca<span class=\"_ _1\"></span>bly des<span class=\"_ _1\"></span>igna<span class=\"_ _1\"></span>te an equity<span class=\"_ _1\"></span> inves<span class=\"_ _1\"></span>tment at fair<span class=\"_ _0\"></span> value throug<span class=\"_ _0\"></span>h other c<span class=\"_ _0\"></span>ompre<span class=\"_ _0\"></span>hensive i<span class=\"_ _0\"></span>ncome. The<span class=\"_ _0\"></span> Group's poli<span class=\"_ _0\"></span>cy is to desi<span class=\"_ _0\"></span>gnate e<span class=\"_ _0\"></span>quity inve<span class=\"_ _0\"></span>stments as FVO<span class=\"_ _1\"></span>CI when t<span class=\"_ _1\"></span>hose i<span class=\"_ _1\"></span>nvest<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> are held<span class=\"_ _1\"></span> for pu<span class=\"_ _1\"></span>rposes o<span class=\"_ _1\"></span>ther tha<span class=\"_ _1\"></span>n to gen<span class=\"_ _1\"></span>erate in<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>ment retu<span class=\"_ _1\"></span>rns.<span class=\"_ _1\"></span> When this election<span class=\"_ _1\"></span> is used, fair va<span class=\"_ _1\"></span>lue gains and losses a<span class=\"_ _1\"></span>re recognised in OCI and<span class=\"_ _1\"></span> are not subsequently recla<span class=\"_ _1\"></span>ssified to profit or<span class=\"_ _1\"></span> loss, includ<span class=\"_ _1\"></span>ing on dispo<span class=\"_ _1\"></span>sal. <span class=\"ls1 ws1\"> </span>Impair<span class=\"_ _1\"></span>ment los<span class=\"_ _1\"></span>ses (<span class=\"_ _1\"></span>and rev<span class=\"_ _1\"></span>ersa<span class=\"_ _1\"></span>l of impai<span class=\"_ _1\"></span>rment lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span>) are not r<span class=\"_ _1\"></span>eported<span class=\"_ _1\"></span> sepa<span class=\"_ _1\"></span>rately fr<span class=\"_ _1\"></span>om oth<span class=\"_ _1\"></span>er chan<span class=\"_ _1\"></span>ges in fair val<span class=\"_ _0\"></span>ue. Di<span class=\"_ _0\"></span>vidends, whe<span class=\"_ _0\"></span>n representing<span class=\"_ _0\"></span> a retur<span class=\"_ _0\"></span>n on such investme<span class=\"_ _0\"></span>nts, continue<span class=\"_ _0\"></span> to be recogni<span class=\"_ _0\"></span>sed in prof<span class=\"_ _0\"></span>it or loss as di<span class=\"_ _0\"></span>vidend inc<span class=\"_ _0\"></span>ome w<span class=\"_ _0\"></span>hen the<span class=\"_ _0\"></span> Group'<span class=\"_ _0\"></span>s r<span class=\"ls5 ws6\">ight t<span class=\"_ _1\"></span>o receiv<span class=\"_ _1\"></span>e pay<span class=\"_ _1\"></span>ment is<span class=\"_ _1\"></span> estab<span class=\"_ _1\"></span>lished<span class=\"_ _1\"></span>. </span><span class=\"ls5 ws6\"><span class=\"ls1 ws1\"> </span></span>1.4.3   Impairmen<span class=\"_ _1\"></span>t of financial<span class=\"_ _1\"></span> assets<span class=\"ls1 ws1\"> </span> <span class=\"_ _24\"> </span><span class=\"ls5 ws2a\">The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> asses<span class=\"_ _1\"></span>ses o<span class=\"_ _1\"></span>n a for<span class=\"_ _1\"></span>ward</span>-<span class=\"ls6 ws23\">lookin<span class=\"_ _1\"></span>g basis<span class=\"_ _1\"></span> the expected cred<span class=\"_ _1\"></span>it losses (\u2018<span class=\"_ _1\"></span>ECLs\u2019) as<span class=\"_ _1\"></span>sociated with its d<span class=\"_ _1\"></span>ebt </span>instrume<span class=\"_ _0\"></span>nts carri<span class=\"_ _0\"></span>ed at am<span class=\"_ _0\"></span>ortised cost and F<span class=\"_ _0\"></span>VOCI a<span class=\"_ _0\"></span>nd with the<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> arising<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> loan commi<span class=\"_ _0\"></span>tments and financi<span class=\"_ _0\"></span>al guara<span class=\"_ _0\"></span>ntee c<span class=\"_ _0\"></span>ontracts. The<span class=\"_ _0\"></span> Group r<span class=\"_ _0\"></span>ec<span class=\"ls7 ws26\">ognises a loss allowance for<span class=\"_ _0\"></span> such losses at each reporting </span>date.<span class=\"_ _1\"></span> The meas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ent of E<span class=\"_ _1\"></span>CLs reflec<span class=\"_ _1\"></span>ts:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws56\">an unbiased a<span class=\"_ _0\"></span>nd proba<span class=\"_ _0\"></span>bility<span class=\"ls1 ws1\">-</span>w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted amount that i<span class=\"_ _0\"></span>s dete<span class=\"_ _0\"></span>rmi<span class=\"_ _0\"></span>ned by evalua<span class=\"_ _0\"></span>ting a rang<span class=\"_ _0\"></span>e of po<span class=\"_ _0\"></span>ssible<span class=\"_ _0\"></span> </span></span>outc<span class=\"_ _1\"></span>omes; <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">the ti<span class=\"_ _1\"></span>me value o<span class=\"_ _1\"></span>f mon<span class=\"_ _1\"></span>ey; and<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reasonable<span class=\"_ _0\"></span> and suppor<span class=\"_ _0\"></span>table inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion that is avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout undue<span class=\"_ _0\"></span> cost or e<span class=\"_ _0\"></span>ffor<span class=\"_ _0\"></span>t at the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> </span></span>date about pa<span class=\"_ _0\"></span>st eve<span class=\"_ _0\"></span>nts, curre<span class=\"_ _11\"></span>nt conditions and fo<span class=\"_ _0\"></span>recasts of<span class=\"_ _11\"></span> future econo<span class=\"_ _0\"></span>mic condit<span class=\"_ _0\"></span>ions. <span class=\"ls1 ws1\"> </span>Note 2<span class=\"_ _1\"></span>.3.4 pro<span class=\"_ _1\"></span>vides<span class=\"_ _1\"></span> more det<span class=\"_ _1\"></span>ail o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Expec<span class=\"_ _1\"></span>ted Cr<span class=\"_ _1\"></span>edit Lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e is meas<span class=\"_ _1\"></span>ured. Expec<span class=\"_ _1\"></span>ted Credi<span class=\"_ _1\"></span>t Los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es are p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e stat<span class=\"_ _1\"></span>ement of fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al pos<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as fol<span class=\"_ _1\"></span>lows:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls7 ws57\">financial assets me<span class=\"_ _0\"></span>asured at amortised cost:<span class=\"_ _0\"></span> as a deduction from the<span class=\"_ _0\"></span> gross carrying amount of the </span></span>assets;<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">loan commit<span class=\"_ _1\"></span>ments and<span class=\"_ _1\"></span> financial guar<span class=\"_ _1\"></span>antee contracts<span class=\"_ _1\"></span>: generally,<span class=\"_ _1\"></span> as a provis<span class=\"_ _1\"></span>ion;</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws11\">financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ent wi<span class=\"_ _0\"></span>th both a draw<span class=\"_ _0\"></span>n and undrawn c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span>, wher<span class=\"_ _0\"></span>eby the G<span class=\"_ _0\"></span>roup cannot ide<span class=\"_ _0\"></span>ntify<span class=\"_ _0\"></span> </span></span>the ECL on t<span class=\"_ _0\"></span>he loan<span class=\"_ _0\"></span> comm<span class=\"_ _0\"></span>itment c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span> separate<span class=\"_ _0\"></span>ly from<span class=\"_ _0\"></span> that on t<span class=\"_ _0\"></span>he draw<span class=\"_ _0\"></span>n compo<span class=\"_ _0\"></span>nent: the<span class=\"_ _0\"></span> Group<span class=\"_ _0\"></span> presents a c<span class=\"_ _0\"></span>ombine<span class=\"_ _0\"></span>d loss all<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span> both compone<span class=\"_ _0\"></span>nts, as a ded<span class=\"ls6 ws10\">uction from the gross<span class=\"_ _1\"></span> carrying </span>amount of<span class=\"_ _0\"></span> the draw<span class=\"_ _0\"></span>n compone<span class=\"_ _0\"></span>nt; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws83\">debt i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>uments mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at FVOCI<span class=\"_ _1\"></span>: no los<span class=\"_ _1\"></span>s allowa<span class=\"_ _1\"></span>nce is r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e statemen<span class=\"_ _1\"></span>t of fin<span class=\"_ _1\"></span>ancial </span></span>position aga<span class=\"_ _0\"></span>inst the ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ount of the<span class=\"_ _0\"></span> asset because<span class=\"_ _0\"></span> the carryi<span class=\"_ _0\"></span>ng amount of t<span class=\"_ _0\"></span>hese assets is their<span class=\"_ _11\"></span> fair value. Instead, a<span class=\"_ _0\"></span>n amount e<span class=\"_ _0\"></span>qual to the allowance<span class=\"_ _0\"></span> t<span class=\"ls5 ws3b\">hat would<span class=\"_ _1\"></span> aris<span class=\"_ _1\"></span>e if the as<span class=\"_ _1\"></span>sets were<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red at </span>amorti<span class=\"_ _1\"></span>sed co<span class=\"_ _1\"></span>st is reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> in oth<span class=\"_ _1\"></span>er compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income a<span class=\"_ _1\"></span>s an acc<span class=\"_ _1\"></span>umulat<span class=\"_ _1\"></span>ed impa<span class=\"_ _1\"></span>irment a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>, with a corresp<span class=\"_ _1\"></span>onding ch<span class=\"_ _1\"></span>arge to profit or lo<span class=\"_ _1\"></span>ss. <span class=\"ls1 ws1\"> </span>1.4.4   Modificatio<span class=\"_ _1\"></span>n of loans<span class=\"_ _1\"></span> and adv<span class=\"_ _1\"></span>ances to custo<span class=\"_ _1\"></span>mers<span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>ontractual<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span>s of a loan may be<span class=\"_ _0\"></span> modif<span class=\"_ _0\"></span>ied f<span class=\"_ _0\"></span>or a numbe<span class=\"_ _0\"></span>r of re<span class=\"_ _0\"></span>asons, includi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>hanging m<span class=\"_ _0\"></span>arket conditions, customer re<span class=\"_ _0\"></span>tention and other factor<span class=\"_ _0\"></span>s not related to a curre<span class=\"_ _0\"></span>nt or potential credit dete<span class=\"_ _0\"></span>rioration of the c<span class=\"_ _1\"></span>usto<span class=\"_ _1\"></span>mer. <span class=\"ls1 ws1\"> </span>The Gro<span class=\"_ _1\"></span>up ren<span class=\"_ _1\"></span>egotia<span class=\"_ _1\"></span>tes loa<span class=\"_ _1\"></span>ns<span class=\"_ _1\"></span> and a<span class=\"_ _1\"></span>dvanc<span class=\"_ _1\"></span>es to cu<span class=\"_ _1\"></span>stomers<span class=\"_ _1\"></span> in fina<span class=\"_ _1\"></span>ncial d<span class=\"_ _1\"></span>ifficu<span class=\"_ _1\"></span>lti<span class=\"_ _1\"></span>es (refer<span class=\"_ _1\"></span>red to a<span class=\"_ _1\"></span>s \u2018forbearan<span class=\"_ _1\"></span>ce activities<span class=\"_ _1\"></span>\u2019) to maximis<span class=\"_ _1\"></span>e collection o<span class=\"_ _1\"></span>pportun<span class=\"_ _1\"></span>ities an<span class=\"_ _1\"></span>d minimise t<span class=\"_ _1\"></span>he risk of<span class=\"_ _1\"></span> default. Under<span class=\"_ _1\"></span> the Group\u2019s forbearance<span class=\"_ _0\"></span> policy, loan forbear<span class=\"_ _0\"></span>ance is gran<span class=\"ls6 ws39\">ted on a selective basis<span class=\"_ _1\"></span> if the debtor is cu<span class=\"_ _1\"></span>rrently in </span>default<span class=\"_ _0\"></span> on its de<span class=\"_ _0\"></span>bt or<span class=\"_ _0\"></span> if the<span class=\"_ _0\"></span>re is a<span class=\"_ _0\"></span> high ri<span class=\"_ _0\"></span>sk of<span class=\"_ _0\"></span> defaul<span class=\"_ _0\"></span>t, the<span class=\"_ _0\"></span>re is e<span class=\"_ _0\"></span>vidence<span class=\"_ _0\"></span> that <span class=\"_ _0\"></span>the debt<span class=\"_ _0\"></span>or ma<span class=\"_ _0\"></span>de all<span class=\"_ _0\"></span> reasonable<span class=\"_ _11\"></span> eff<span class=\"_ _0\"></span>orts to pay under<span class=\"_ _0\"></span> the ori<span class=\"_ _0\"></span>gina<span class=\"_ _0\"></span>l contrac<span class=\"_ _0\"></span>tual te<span class=\"_ _0\"></span>rms, and t<span class=\"_ _0\"></span>he debt<span class=\"_ _0\"></span>or is expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d to be ab<span class=\"ls5 ws41\">le to meet the<span class=\"_ _1\"></span> </span>revis<span class=\"_ _1\"></span>ed terms<span class=\"_ _1\"></span>. The rev<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> terms us<span class=\"_ _1\"></span>uall<span class=\"_ _1\"></span>y inclu<span class=\"_ _1\"></span>de exten<span class=\"_ _1\"></span>ding t<span class=\"_ _1\"></span>he matu<span class=\"_ _1\"></span>rity,<span class=\"_ _1\"></span> revis<span class=\"_ _1\"></span>ion of in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rate an<span class=\"_ _1\"></span>d changing<span class=\"_ _0\"></span> the tim<span class=\"_ _0\"></span>ing of i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st payme<span class=\"_ _0\"></span>nts. Both<span class=\"_ _0\"></span> personal<span class=\"_ _0\"></span> and c<span class=\"_ _0\"></span>orporate<span class=\"_ _0\"></span> &amp; c<span class=\"_ _0\"></span>omme<span class=\"_ _0\"></span>rcial loans ar<span class=\"_ _0\"></span>e subj<span class=\"_ _0\"></span>ect to<span class=\"_ _0\"></span> the for<span class=\"_ _0\"></span>bearanc<span class=\"_ _0\"></span>e polic<span class=\"_ _0\"></span>y.<span class=\"ls1 ws1\"> </span>When modi<span class=\"_ _0\"></span>fication happe<span class=\"_ _0\"></span>ns, the G<span class=\"_ _0\"></span>roup assesses w<span class=\"_ _0\"></span>hethe<span class=\"_ _0\"></span>r or not the ne<span class=\"_ _0\"></span>w terms are<span class=\"_ _0\"></span> substantially di<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>rent to the ori<span class=\"_ _0\"></span>ginal te<span class=\"_ _0\"></span>rms. T<span class=\"_ _0\"></span>he Group does thi<span class=\"_ _0\"></span>s by con<span class=\"_ _0\"></span>sideri<span class=\"_ _0\"></span>ng, am<span class=\"_ _0\"></span>ong othe<span class=\"_ _0\"></span>rs, the f<span class=\"_ _0\"></span>ollow<span class=\"_ _0\"></span>ing factor<span class=\"_ _0\"></span>s:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws3b\">If the b<span class=\"_ _1\"></span>orrower<span class=\"_ _1\"></span> is in fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al d<span class=\"_ _1\"></span>ifficulty<span class=\"_ _1\"></span>, wheth<span class=\"_ _1\"></span>er the <span class=\"_ _1\"></span>modifi<span class=\"_ _1\"></span>cati<span class=\"_ _1\"></span>on merely<span class=\"_ _1\"></span> redu<span class=\"_ _1\"></span>ces th<span class=\"_ _1\"></span>e con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al cash </span></span>flows t<span class=\"_ _1\"></span>o amou<span class=\"_ _1\"></span>nts t<span class=\"_ _1\"></span>he bor<span class=\"_ _1\"></span>rower is ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> to be ab<span class=\"_ _1\"></span>le to p<span class=\"_ _1\"></span>ay.<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">Whether<span class=\"_ _0\"></span> any substanti<span class=\"_ _0\"></span>al new<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span>s are intr<span class=\"_ _0\"></span>oduced.<span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Significant ext<span class=\"_ _1\"></span>ension o<span class=\"_ _1\"></span>f the loan term when th<span class=\"_ _1\"></span>e borrower is<span class=\"_ _1\"></span> not in fina<span class=\"_ _1\"></span>ncial difficulty.</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Significant ch<span class=\"_ _1\"></span>ange in the int<span class=\"_ _1\"></span>erest rate. </span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws61\">Insertion<span class=\"_ _1\"></span> of collateral, ot<span class=\"_ _1\"></span>her security o<span class=\"_ _1\"></span>r credit enhanceme<span class=\"_ _1\"></span>nts tha<span class=\"_ _1\"></span>t significantly affect th<span class=\"_ _1\"></span>e credit risk </span></span>associated with the loan.<span class=\"_ _0\"></span><span class=\"ls1\"> </span>If the t<span class=\"_ _1\"></span>erms a<span class=\"_ _1\"></span>re sub<span class=\"_ _1\"></span>stan<span class=\"_ _1\"></span>tiall<span class=\"_ _1\"></span>y differen<span class=\"_ _1\"></span>t, th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> dereco<span class=\"_ _1\"></span>gni<span class=\"_ _1\"></span>ses th<span class=\"_ _1\"></span>e origin<span class=\"_ _1\"></span>al fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> asset an<span class=\"_ _1\"></span>d recog<span class=\"_ _1\"></span>nises<span class=\"_ _1\"></span> a 'new' as<span class=\"_ _1\"></span>set a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue, and r<span class=\"_ _1\"></span>ecalcula<span class=\"_ _1\"></span>tes a n<span class=\"_ _1\"></span>ew effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te for th<span class=\"_ _1\"></span>e asset. Th<span class=\"_ _1\"></span>e date o<span class=\"_ _1\"></span>f reneg<span class=\"_ _0\"></span>otiation i<span class=\"_ _0\"></span>s conseque<span class=\"_ _0\"></span>ntly c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d to <span class=\"ls5 ws1e\">be the dat<span class=\"_ _1\"></span>e of initial<span class=\"_ _1\"></span> recogni<span class=\"_ _1\"></span>tion fo<span class=\"_ _1\"></span>r expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses </span>calculation<span class=\"_ _1\"></span> purpos<span class=\"_ _1\"></span>es, including for the p<span class=\"_ _1\"></span>urpose of det<span class=\"_ _1\"></span>ermining whether a sign<span class=\"_ _1\"></span>ificant incre<span class=\"_ _1\"></span>ase in credit ris<span class=\"_ _1\"></span>k has<span class=\"_ _1\"></span> occurr<span class=\"_ _1\"></span>ed. Howev<span class=\"_ _1\"></span>er, th<span class=\"_ _1\"></span>e Grou<span class=\"_ _1\"></span>p als<span class=\"_ _1\"></span>o asses<span class=\"_ _1\"></span>ses wh<span class=\"_ _1\"></span>ether th<span class=\"_ _1\"></span>e new fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ass<span class=\"_ _1\"></span>et recog<span class=\"_ _1\"></span>nis<span class=\"_ _1\"></span>ed is d<span class=\"_ _1\"></span>eemed t<span class=\"_ _1\"></span>o be cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">impair<span class=\"_ _1\"></span>ed at initia<span class=\"_ _1\"></span>l recognitio<span class=\"_ _1\"></span>n, especially<span class=\"_ _1\"></span> in circum<span class=\"_ _1\"></span>stances<span class=\"_ _1\"></span> where the renegotia<span class=\"_ _1\"></span>tion was<span class=\"_ _1\"></span> driven by<span class=\"_ _1\"></span> </span></span>the debto<span class=\"_ _0\"></span>r being una<span class=\"_ _0\"></span>ble to m<span class=\"_ _0\"></span>ake the<span class=\"_ _0\"></span> origi<span class=\"_ _0\"></span>nally agr<span class=\"_ _0\"></span>eed payme<span class=\"_ _0\"></span>nts. Diffe<span class=\"_ _0\"></span>rences i<span class=\"_ _0\"></span>n the carrying<span class=\"_ _0\"></span> amount ar<span class=\"_ _0\"></span>e also recogn<span class=\"_ _1\"></span>ised in profit<span class=\"_ _1\"></span> <span class=\"ls7 ws1\">or loss as a gain<span class=\"_ _0\"></span> or loss on dere<span class=\"_ _0\"></span>cognition.<span class=\"ls1\"> </span></span>If the t<span class=\"_ _1\"></span>erms are n<span class=\"_ _1\"></span>ot sub<span class=\"_ _1\"></span>stantial<span class=\"_ _1\"></span>ly differ<span class=\"_ _1\"></span>ent, th<span class=\"_ _1\"></span>e reneg<span class=\"_ _1\"></span>otiat<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>r modific<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> does no<span class=\"_ _1\"></span>t resu<span class=\"_ _1\"></span>lt in derec<span class=\"_ _0\"></span>ognitio<span class=\"_ _0\"></span>n, and the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>es the gr<span class=\"_ _0\"></span>oss carryi<span class=\"_ _0\"></span>ng amount base<span class=\"_ _0\"></span>d on the re<span class=\"_ _0\"></span>vise<span class=\"_ _0\"></span>d cash fl<span class=\"_ _0\"></span>ows of the financia<span class=\"_ _1\"></span>l asset and<span class=\"_ _1\"></span> recogni<span class=\"_ _1\"></span>ses a mod<span class=\"_ _1\"></span>ification ga<span class=\"_ _1\"></span>in<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls7 ws11f\">or loss in profit or loss. The new gross carrying amount </span></span>is recalculat<span class=\"_ _1\"></span>ed by disco<span class=\"_ _1\"></span>unting the modified ca<span class=\"_ _1\"></span>sh flows<span class=\"_ _1\"></span> at the origina<span class=\"_ _1\"></span>l effective inter<span class=\"_ _1\"></span>est rate (or credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>adju<span class=\"_ _1\"></span>sted<span class=\"_ _1\"></span> effective<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e for p<span class=\"_ _1\"></span>urcha<span class=\"_ _1\"></span>sed or<span class=\"_ _1\"></span> origin<span class=\"_ _1\"></span>ated <span class=\"_ _1\"></span>credit<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">i<span class=\"_ _1\"></span>mpaired fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>et</span></span>s). Th<span class=\"_ _1\"></span>e impa<span class=\"_ _1\"></span>ct of modifications<span class=\"_ _1\"></span> of financial a<span class=\"_ _1\"></span>ssets on<span class=\"_ _1\"></span> the Expected Credit<span class=\"_ _1\"></span> Loss calculat<span class=\"_ _1\"></span>ion is dis<span class=\"_ _1\"></span>cussed in no<span class=\"_ _1\"></span>te<span class=\"ls1 ws1\"> </span><span class=\"ws8\">2.3.9.<span class=\"ls1 ws1\"> </span></span>1.4.5 <span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span></span><span class=\"ws7\">Dere<span class=\"_ _1\"></span>cognition of fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets (other th<span class=\"_ _1\"></span>an on a mod<span class=\"_ _1\"></span>ification)<span class=\"ls1 ws1\"> </span></span>Financial a<span class=\"_ _1\"></span>ssets, or a portio<span class=\"_ _1\"></span>n thereof, are derecognised<span class=\"_ _1\"></span> when the contra<span class=\"_ _1\"></span>ctual rights to receive the cash<span class=\"_ _1\"></span> flows fr<span class=\"_ _1\"></span>om th<span class=\"_ _1\"></span>e as<span class=\"_ _1\"></span>sets h<span class=\"_ _1\"></span>ave ex<span class=\"_ _1\"></span>pired<span class=\"_ _1\"></span>, or wh<span class=\"_ _1\"></span>en th<span class=\"_ _1\"></span>ey hav<span class=\"_ _1\"></span>e been<span class=\"_ _1\"></span> tran<span class=\"_ _1\"></span>sferred<span class=\"_ _1\"></span> and eit<span class=\"_ _1\"></span>her (<span class=\"_ _1\"></span>i) th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> trans<span class=\"_ _1\"></span>fers<span class=\"_ _1\"></span> substantial<span class=\"_ _0\"></span>ly all the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>wards of<span class=\"_ _0\"></span> owner<span class=\"_ _0\"></span>ship, or (i<span class=\"_ _0\"></span>i) the<span class=\"_ _0\"></span> Group nei<span class=\"_ _0\"></span>ther tr<span class=\"_ _0\"></span>ansfer<span class=\"_ _0\"></span>s nor retai<span class=\"_ _0\"></span>ns substantial<span class=\"_ _0\"></span>ly all the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>wards of<span class=\"_ _0\"></span> owner<span class=\"_ _0\"></span>ship and the G<span class=\"_ _0\"></span>roup has not re<span class=\"_ _0\"></span>tained c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>1.4A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _8a\"> </span></span><span class=\"ls5 ws6\">Tra<span class=\"_ _1\"></span>de and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> receivab<span class=\"_ _1\"></span>les<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Trade rec<span class=\"_ _1\"></span>eiva<span class=\"_ _1\"></span>bles a<span class=\"_ _1\"></span>re amoun<span class=\"_ _1\"></span>ts d<span class=\"_ _1\"></span>ue from cu<span class=\"_ _1\"></span>stomers<span class=\"_ _1\"></span> for merch<span class=\"_ _1\"></span>and<span class=\"_ _1\"></span>ise so<span class=\"_ _1\"></span>ld or serv<span class=\"_ _1\"></span>ices perfo<span class=\"_ _1\"></span>rmed in<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> ordinary co<span class=\"_ _0\"></span>urse of busi<span class=\"_ _11\"></span>ness. If coll<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>on is expect<span class=\"_ _0\"></span>ed in one year<span class=\"_ _0\"></span> or less (<span class=\"_ _0\"></span>or in the<span class=\"_ _0\"></span> normal ope<span class=\"_ _0\"></span>rating<span class=\"_ _0\"></span> cycle<span class=\"_ _0\"></span> of the b<span class=\"_ _1\"></span>usin<span class=\"_ _1\"></span>ess i<span class=\"_ _1\"></span>f longer),<span class=\"_ _1\"></span> they a<span class=\"_ _1\"></span>re clas<span class=\"_ _1\"></span>sified <span class=\"ls8 ws17\">as current asset<span class=\"_ _0\"></span>s. If not, the<span class=\"_ _0\"></span>y are pr<span class=\"_ _0\"></span>esented as non<span class=\"ls1 ws1\">-<span class=\"lsa ws24\">curre<span class=\"_ _0\"></span>nt </span></span></span>assets.<span class=\"_ _0\"></span> Trade<span class=\"_ _0\"></span> and other rec<span class=\"_ _0\"></span>eivable<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>ognised init<span class=\"_ _0\"></span>ially at f<span class=\"_ _0\"></span>air value and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amort<span class=\"_ _0\"></span>ised cost<span class=\"_ _1\"></span> usin<span class=\"_ _1\"></span>g the ef<span class=\"_ _1\"></span>fective<span class=\"_ _1\"></span> inter<span class=\"_ _1\"></span>est met<span class=\"_ _1\"></span>hod,<span class=\"_ _1\"></span> less ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> c<span class=\"_ _1\"></span>redit l<span class=\"_ _1\"></span>oss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces. <span class=\"_ _1\"></span>Credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nces include sp<span class=\"_ _1\"></span>ecific prov<span class=\"_ _1\"></span>isions for i<span class=\"_ _1\"></span>mpairment aga<span class=\"_ _1\"></span>i<span class=\"ls8 ws67\">nst cre<span class=\"_ _0\"></span>dit impaire<span class=\"_ _0\"></span>d individual<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s when t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s </span>objective evid<span class=\"_ _1\"></span>ence that the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> will not be able to<span class=\"_ _1\"></span> collect all amo<span class=\"_ _1\"></span>unts du<span class=\"_ _1\"></span>e according to<span class=\"_ _1\"></span> the original ter<span class=\"_ _1\"></span>ms of the receiva<span class=\"_ _1\"></span>bles. Signif<span class=\"_ _1\"></span>icant fin<span class=\"_ _1\"></span>ancial difficu<span class=\"_ _1\"></span>lties of the <span class=\"_ _1\"></span>debtor, p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> that the <span class=\"ls5 ws28\">deb<span class=\"_ _1\"></span>tor will en<span class=\"_ _1\"></span>ter </span>bankruptcy or f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al reor<span class=\"_ _0\"></span>ganisatio<span class=\"_ _0\"></span>n, and de<span class=\"_ _0\"></span>fault or<span class=\"_ _0\"></span> delinque<span class=\"_ _0\"></span>ncy in paym<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>ndicators that the e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span> is cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>mpair<span class=\"_ _0\"></span>ed. For<span class=\"_ _0\"></span> trade and ot<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span> rece<span class=\"_ _0\"></span>ivables t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up applie<span class=\"_ _0\"></span>s the sim<span class=\"_ _0\"></span>plifi<span class=\"_ _0\"></span>ed approach pe<span class=\"_ _0\"></span>rmitte<span class=\"_ _0\"></span>d by the <span class=\"_ _0\"></span>prov<span class=\"ls6 ws1f\">isions of IFRS 9 which requ<span class=\"_ _1\"></span>ires expected lifetim<span class=\"_ _1\"></span>e losses to b<span class=\"_ _1\"></span>e recognised </span>from initial recogn<span class=\"_ _1\"></span>ition of the receivab<span class=\"_ _1\"></span>les. Note 2.3.4 p<span class=\"_ _1\"></span>rovid<span class=\"_ _1\"></span>es more detail on h<span class=\"_ _1\"></span>ow lifetime losses<span class=\"_ _1\"></span> are measu<span class=\"_ _1\"></span>red. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _0\"></span> of the asse<span class=\"_ _0\"></span>t is re<span class=\"_ _0\"></span>duced throug<span class=\"_ _0\"></span>h the us<span class=\"_ _0\"></span>e of an a<span class=\"_ _0\"></span>llowance<span class=\"_ _0\"></span> account, and t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of the loss<span class=\"_ _1\"></span> is recognised in p<span class=\"_ _1\"></span>rofit or loss.  When a receivable is<span class=\"_ _1\"></span> uncollectible, it<span class=\"_ _1\"></span> is written off again<span class=\"_ _1\"></span>st the allowance ac<span class=\"_ _0\"></span>count for trade a<span class=\"_ _0\"></span>nd other rece<span class=\"_ _0\"></span>iv<span class=\"ls5 ws2a\">ables.<span class=\"_ _1\"></span>  Subsequen<span class=\"_ _1\"></span>t recov<span class=\"_ _1\"></span>eries o<span class=\"_ _1\"></span>f amoun<span class=\"_ _1\"></span>ts previou<span class=\"_ _1\"></span>sly wr<span class=\"_ _1\"></span>itten </span>off are cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ed in p<span class=\"_ _1\"></span>rofit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.4B<span class=\"ff5 ls1 ws1\"> <span class=\"_ _52\"> </span></span><span class=\"ls8 wsa\">Cash and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>valents<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>Cash and cash e<span class=\"_ _0\"></span>quivale<span class=\"_ _0\"></span>nts ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied in t<span class=\"_ _0\"></span>he stateme<span class=\"_ _0\"></span>nt of financ<span class=\"_ _0\"></span>ial positi<span class=\"_ _0\"></span>on at fac<span class=\"_ _0\"></span>e value<span class=\"_ _0\"></span> less expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d credit<span class=\"_ _0\"></span> loss allow<span class=\"_ _0\"></span>ance.<span class=\"_ _0\"></span> Cash and cash e<span class=\"_ _0\"></span>quivalents c<span class=\"_ _0\"></span>omprise<span class=\"_ _0\"></span> bala<span class=\"_ _0\"></span>nces wi<span class=\"_ _0\"></span>th less than t<span class=\"_ _0\"></span>hree m<span class=\"_ _0\"></span>onths\u2019 matur<span class=\"_ _0\"></span>ity from the date of acq<span class=\"_ _1\"></span>uisition, includ<span class=\"_ _1\"></span>ing cash i<span class=\"ls8 ws2d\">n hand, de<span class=\"_ _0\"></span>posits he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t call<span class=\"_ _0\"></span> with ba<span class=\"_ _0\"></span>nks<span class=\"_ _0\"></span> and <span class=\"_ _0\"></span>other short<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span></span>highly liq<span class=\"_ _1\"></span>uid inves<span class=\"_ _1\"></span>tments with original ma<span class=\"_ _1\"></span>turities of th<span class=\"_ _1\"></span>ree month<span class=\"_ _1\"></span>s or less<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.12 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Offsetting finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span></span>Financia<span class=\"_ _0\"></span>l assets an<span class=\"_ _0\"></span>d liabil<span class=\"_ _0\"></span>ities ar<span class=\"_ _0\"></span>e off<span class=\"_ _0\"></span>set and the<span class=\"_ _0\"></span> net am<span class=\"_ _0\"></span>ount repor<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> consolidat<span class=\"_ _11\"></span>ed statement of<span class=\"_ _0\"></span> finan<span class=\"_ _1\"></span>cial po<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n when<span class=\"_ _1\"></span> there is a<span class=\"_ _1\"></span> legally en<span class=\"_ _1\"></span>forceab<span class=\"_ _1\"></span>le righ<span class=\"_ _1\"></span>t to offs<span class=\"_ _1\"></span>et the r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> and ther<span class=\"_ _1\"></span>e is an intention to settle on a <span class=\"_ _0\"></span>net basis or rea<span class=\"ls6 ws7\">lise the asset and settle the lia<span class=\"_ _1\"></span>bility simu<span class=\"_ _1\"></span>ltaneously<span class=\"_ _1\"></span>. </span><span class=\"ls1\"> </span>The Group has ag<span class=\"_ _0\"></span>reem<span class=\"_ _0\"></span>ents in place<span class=\"_ _0\"></span> with thir<span class=\"_ _0\"></span>d parties to co<span class=\"_ _0\"></span>llec<span class=\"_ _0\"></span>t, through the<span class=\"_ _0\"></span> Group\u2019s outle<span class=\"_ _0\"></span>t netw<span class=\"_ _0\"></span>ork, amounts due t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span>se third p<span class=\"_ _0\"></span>artie<span class=\"_ _0\"></span>s owed by t<span class=\"_ _0\"></span>heir c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s. Any amount<span class=\"_ _0\"></span>s coll<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d in respe<span class=\"_ _0\"></span>ct of t<span class=\"_ _0\"></span>hese agree<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>re retain<span class=\"_ _1\"></span>ed by<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p un<span class=\"_ _1\"></span>til set<span class=\"_ _1\"></span>tlement<span class=\"ls1 ws1\"> <span class=\"ls6 ws12\">with the respecti<span class=\"_ _1\"></span>ve third pa<span class=\"_ _1\"></span>rties, during which<span class=\"_ _1\"></span> time </span></span>the Gr<span class=\"_ _0\"></span>oup is expose<span class=\"_ _0\"></span>d to the risks and rew<span class=\"_ _0\"></span>ards em<span class=\"_ _0\"></span>anating f<span class=\"_ _0\"></span>rom the amounts c<span class=\"_ _0\"></span>ollec<span class=\"_ _0\"></span>ted. Such amounts ar<span class=\"_ _0\"></span>e there<span class=\"_ _0\"></span>fore pre<span class=\"_ _0\"></span>sented withi<span class=\"_ _0\"></span>n assets wi<span class=\"_ _0\"></span>th a corre<span class=\"_ _0\"></span>sponding li<span class=\"_ _0\"></span>ability t<span class=\"_ _0\"></span>owards the<span class=\"_ _0\"></span> third part<span class=\"_ _0\"></span>y pre<span class=\"_ _0\"></span>sented w<span class=\"_ _0\"></span>i<span class=\"ws16\">thin </span>trade and othe<span class=\"_ _0\"></span>r paya<span class=\"_ _0\"></span>bles.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-534": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.4<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span></span><span class=\"ws7\">Financia<span class=\"_ _1\"></span>l assets<span class=\"ls1 ws1\"> </span></span>1.4.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span><span class=\"ws7\">In<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement<span class=\"ls1 ws1\"> </span></span>The Group r<span class=\"_ _0\"></span>ecognise<span class=\"_ _0\"></span>s a financial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nt in its state<span class=\"_ _0\"></span>ment of fi<span class=\"_ _0\"></span>nancial position w<span class=\"_ _0\"></span>hen it becom<span class=\"_ _0\"></span>es a party to the cont<span class=\"_ _0\"></span>ractual pr<span class=\"_ _0\"></span>ovision<span class=\"_ _0\"></span>s of t<span class=\"_ _0\"></span>he instrum<span class=\"_ _0\"></span>ent. Re<span class=\"_ _0\"></span>gular<span class=\"_ _0\"></span> way purchases and sal<span class=\"_ _0\"></span>es of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets are<span class=\"_ _11\"></span> recog<span class=\"_ _0\"></span>nised on the<span class=\"_ _0\"></span> trade dat<span class=\"_ _0\"></span>e, whi<span class=\"_ _0\"></span>ch is the dat<span class=\"_ _0\"></span>e on whi<span class=\"_ _0\"></span>ch the G<span class=\"_ _0\"></span>roup commi<span class=\"_ _0\"></span>ts to purchase<span class=\"_ _0\"></span> or sell<span class=\"_ _0\"></span> the asset.<span class=\"_ _11\"></span> Accordi<span class=\"_ _0\"></span>ngly, the<span class=\"_ _0\"></span> Group use<span class=\"_ _0\"></span>s trade date<span class=\"_ _0\"></span> account<span class=\"_ _0\"></span>ing for<span class=\"_ _0\"></span> regular w<span class=\"_ _0\"></span>ay contrac<span class=\"_ _0\"></span>ts when r<span class=\"_ _0\"></span>ecor<span class=\"_ _0\"></span>ding financi<span class=\"_ _0\"></span>al asset<span class=\"_ _0\"></span> transactions. <span class=\"ls1 ws1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, th<span class=\"_ _1\"></span>e Group measu<span class=\"_ _1\"></span>res a financia<span class=\"_ _1\"></span>l asset at i<span class=\"_ _1\"></span>ts fair valu<span class=\"_ _1\"></span>e plus or minu<span class=\"_ _1\"></span>s, in the case of a financial asset not at fai<span class=\"_ _0\"></span>r value through profit or l<span class=\"_ _0\"></span>oss, transaction costs that are incre<span class=\"_ _0\"></span>mental and directly<span class=\"_ _0\"></span> attributabl<span class=\"_ _0\"></span>e to the<span class=\"_ _0\"></span> acquisiti<span class=\"_ _0\"></span>on or <span class=\"ls6 ws39\">issue of the financial<span class=\"_ _1\"></span> asset, such<span class=\"_ _1\"></span> as fees and commis<span class=\"_ _1\"></span>sions. Trans<span class=\"_ _1\"></span>action </span>costs of financial assets carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value through profi<span class=\"_ _0\"></span>t or loss are e<span class=\"_ _0\"></span>xpensed in profit <span class=\"_ _0\"></span>or loss. <span class=\"ls1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, an<span class=\"_ _1\"></span> Expected Credit Lo<span class=\"_ _1\"></span>ss allowan<span class=\"_ _1\"></span>ce (\u2018ECL\u2019) is<span class=\"_ _1\"></span> recognised for <span class=\"_ _1\"></span>financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> measured at amorti<span class=\"_ _0\"></span>sed cost and i<span class=\"_ _0\"></span>nvest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in debt i<span class=\"_ _0\"></span>nstrument<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI, whi<span class=\"_ _0\"></span>ch results in an a<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ting<span class=\"_ _0\"></span> loss b<span class=\"_ _1\"></span>eing recognised in<span class=\"_ _1\"></span> profit or los<span class=\"_ _1\"></span>s wh<span class=\"ls8 wsa\">en an asse<span class=\"_ _0\"></span>t is ne<span class=\"_ _0\"></span>wly origi<span class=\"_ _0\"></span>nated.<span class=\"ls1 ws1\"> </span></span>When the fair v<span class=\"_ _1\"></span>alue of fina<span class=\"_ _1\"></span>ncial as<span class=\"_ _1\"></span>sets differs from<span class=\"_ _1\"></span> the tran<span class=\"_ _1\"></span>saction<span class=\"_ _1\"></span> price on init<span class=\"_ _1\"></span>ial recognit<span class=\"_ _1\"></span>ion, the Group<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e as foll<span class=\"_ _1\"></span>ows: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsb\">whe<span class=\"_ _0\"></span>n the fai<span class=\"_ _0\"></span>r value i<span class=\"_ _0\"></span>s evidence<span class=\"_ _0\"></span>d by a quoted pri<span class=\"_ _0\"></span>ce in an a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arket<span class=\"_ _0\"></span> for an identi<span class=\"_ _0\"></span>cal asset (i<span class=\"_ _0\"></span>.e. a </span></span>Level<span class=\"_ _0\"></span> 1 input) or<span class=\"_ _0\"></span> based on a valuat<span class=\"_ _0\"></span>ion tec<span class=\"_ _0\"></span>hnique that u<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span> only data fr<span class=\"_ _0\"></span>om obser<span class=\"_ _0\"></span>vable m<span class=\"_ _0\"></span>arkets, the<span class=\"_ _0\"></span> difference is reco<span class=\"_ _1\"></span>gnised a<span class=\"_ _1\"></span>s a gain or lo<span class=\"_ _1\"></span>ss; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws3b\">in all o<span class=\"_ _1\"></span>ther cas<span class=\"_ _1\"></span>es, t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e is def<span class=\"_ _1\"></span>erred an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e timin<span class=\"_ _1\"></span>g of r<span class=\"_ _1\"></span>ecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red da<span class=\"_ _1\"></span>y on<span class=\"_ _1\"></span>e profi<span class=\"_ _1\"></span>t </span></span>or loss is det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned indivi<span class=\"_ _0\"></span>dually. It i<span class=\"_ _0\"></span>s eithe<span class=\"_ _0\"></span>r amort<span class=\"_ _0\"></span>ised over the<span class=\"_ _0\"></span> life of<span class=\"_ _0\"></span> the instrume<span class=\"_ _0\"></span>nt, def<span class=\"_ _0\"></span>erred unti<span class=\"_ _0\"></span>l the in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ment's fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue can b<span class=\"_ _1\"></span>e determin<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws3a\">using market obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs, or<span class=\"_ _0\"></span> reali<span class=\"_ _0\"></span>sed through<span class=\"_ _0\"></span> </span></span>settl<span class=\"_ _1\"></span>ement.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.4.2<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span>Clas<span class=\"_ _1\"></span>sification<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws15\">and subsequent m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>ment <span class=\"ls1 ws1\"> </span></span></span>The Grou<span class=\"_ _1\"></span>p clas<span class=\"_ _1\"></span>sifies<span class=\"_ _1\"></span> its fin<span class=\"_ _1\"></span>anci<span class=\"_ _1\"></span>al as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> in the foll<span class=\"_ _1\"></span>owing m<span class=\"_ _1\"></span>eas<span class=\"_ _1\"></span>urement<span class=\"_ _1\"></span> categori<span class=\"_ _1\"></span>es:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 lsd ws44\">Fair </span><span class=\"ff1\">v<span class=\"ls6 ws7\">alue th<span class=\"_ _1\"></span>rough pro<span class=\"_ _1\"></span>fit or loss (\u2018FVPL\u2019);</span> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsa\">Fair<span class=\"_ _0\"></span> value thro<span class=\"_ _0\"></span>ugh other c<span class=\"_ _0\"></span>ompre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> (\u2018FVOC<span class=\"_ _0\"></span>I\u2019); or<span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws6\">Amortis<span class=\"_ _1\"></span>ed cost<span class=\"_ _1\"></span>.</span><span class=\"ff1\"> </span></span>1.4.2.1 <span class=\"ff5 lsb ws24\">Debt instruments<span class=\"_ _bc\"> </span></span><span class=\"ls1 ws1\"> </span>Debt in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> are thos<span class=\"_ _1\"></span>e instru<span class=\"_ _1\"></span>ments t<span class=\"_ _1\"></span>hat meet th<span class=\"_ _1\"></span>e definit<span class=\"_ _1\"></span>ion of a<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial lia<span class=\"_ _1\"></span>bilit<span class=\"_ _1\"></span>y from the iss<span class=\"_ _1\"></span>uer's perspec<span class=\"_ _0\"></span>tive, such a<span class=\"_ _0\"></span>s loans, g<span class=\"_ _0\"></span>overnm<span class=\"_ _0\"></span>ent and cor<span class=\"_ _0\"></span>porate bonds and t<span class=\"_ _0\"></span>rade re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vables purcha<span class=\"_ _0\"></span>sed from<span class=\"_ _0\"></span> clients<span class=\"_ _0\"></span> in factoring a<span class=\"_ _1\"></span>rrangements<span class=\"_ _1\"></span> without recou<span class=\"_ _1\"></span>rse.<span class=\"ls1 ws1\"> </span>Classif<span class=\"_ _0\"></span>ication a<span class=\"_ _0\"></span>nd subseque<span class=\"_ _0\"></span>nt m<span class=\"_ _0\"></span>easureme<span class=\"_ _0\"></span>nt of de<span class=\"_ _0\"></span>bt instrume<span class=\"_ _0\"></span>nts depe<span class=\"_ _0\"></span>nd on: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws7\">the <span class=\"ls8 wsa\">Group's busine<span class=\"_ _0\"></span>ss model f<span class=\"_ _0\"></span>or mana<span class=\"_ _0\"></span>ging the<span class=\"_ _0\"></span> asset; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws6\">the cas<span class=\"_ _1\"></span>h</span><span class=\"ff1\"> <span class=\"ls5 ws6\">flow ch<span class=\"_ _1\"></span>aract<span class=\"_ _1\"></span>eristic<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span></span></span></span>Based on the<span class=\"_ _0\"></span>se factor<span class=\"_ _0\"></span>s the Group cl<span class=\"_ _0\"></span>assifie<span class=\"_ _0\"></span>s its debt instrument<span class=\"_ _0\"></span>s into one of<span class=\"_ _0\"></span> the follo<span class=\"_ _0\"></span>wing three measu<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span> categor<span class=\"_ _1\"></span>ies:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws6b\">Amorti<span class=\"_ _0\"></span>sed cost:<span class=\"ff1 ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls5 ws1a\">Asset<span class=\"_ _1\"></span>s that a<span class=\"_ _1\"></span>re held for c<span class=\"_ _1\"></span>ollectio<span class=\"_ _1\"></span>n of co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws where t<span class=\"_ _1\"></span>hose cas<span class=\"_ _1\"></span>h flows </span></span></span></span>repre<span class=\"_ _0\"></span>sent sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of princ<span class=\"_ _0\"></span>ipal and inte<span class=\"_ _0\"></span>rest (<span class=\"_ _0\"></span>\u2018SPPI\u2019<span class=\"_ _0\"></span>), and that ar<span class=\"_ _0\"></span>e not<span class=\"_ _0\"></span> designate<span class=\"_ _0\"></span>d at F<span class=\"_ _0\"></span>VPL, ar<span class=\"_ _0\"></span>e measu<span class=\"_ _1\"></span>red at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t. The carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f these as<span class=\"_ _1\"></span>sets is <span class=\"ls8 ws11\">adjusted by an<span class=\"_ _0\"></span>y Ex<span class=\"_ _0\"></span>pec<span class=\"_ _0\"></span>ted Cr<span class=\"_ _0\"></span>edit </span>Loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nce reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> and meas<span class=\"_ _1\"></span>ured a<span class=\"_ _1\"></span>s describ<span class=\"_ _1\"></span>ed in no<span class=\"_ _1\"></span>te 1.4.3.<span class=\"_ _1\"></span> Interes<span class=\"_ _1\"></span>t inco<span class=\"_ _1\"></span>me from thes<span class=\"_ _1\"></span>e finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> is inc<span class=\"_ _1\"></span>luded<span class=\"_ _1\"></span> in \u2018Interes<span class=\"_ _1\"></span>t income\u2019<span class=\"_ _1\"></span> usin<span class=\"_ _1\"></span>g the ef<span class=\"_ _1\"></span>fecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> rate meth<span class=\"_ _1\"></span>od.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws24\">Fair<span class=\"_ _0\"></span> value through other<span class=\"_ _0\"></span> comprehens<span class=\"_ _0\"></span>ive income (\u2018F<span class=\"_ _0\"></span>VOCI<span class=\"_ _0\"></span>\u2019):<span class=\"ff1 ls1 ws1\"> <span class=\"ls6 ws7\">Financial a<span class=\"_ _1\"></span>ssets th<span class=\"_ _1\"></span>at are held for collection<span class=\"_ _1\"></span> </span></span></span></span>of con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span> and for s<span class=\"_ _1\"></span>elling<span class=\"_ _1\"></span> the ass<span class=\"_ _1\"></span>ets, wh<span class=\"_ _1\"></span>ere the as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>\u2019 cash fl<span class=\"_ _1\"></span>ows rep<span class=\"_ _1\"></span>resent so<span class=\"_ _1\"></span>lely payments of<span class=\"_ _0\"></span> princi<span class=\"_ _0\"></span>pal and intere<span class=\"_ _0\"></span>st, and that are<span class=\"_ _0\"></span> not desig<span class=\"_ _0\"></span>nated at FVP<span class=\"_ _0\"></span>L, are measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span> through othe<span class=\"_ _0\"></span>r compr<span class=\"_ _0\"></span>ehensi<span class=\"_ _0\"></span>ve income<span class=\"_ _0\"></span> (\u2018FVOCI\u2019).<span class=\"_ _0\"></span> Movement<span class=\"_ _0\"></span>s in the carryi<span class=\"_ _0\"></span>ng amount a<span class=\"_ _0\"></span>re taken thro<span class=\"_ _0\"></span>ugh OCI, exc<span class=\"_ _1\"></span>ept fo<span class=\"_ _1\"></span>r th<span class=\"_ _1\"></span>e recog<span class=\"_ _1\"></span>nit<span class=\"_ _1\"></span>ion of i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> or rev<span class=\"_ _1\"></span>ersal<span class=\"_ _1\"></span>s, in<span class=\"_ _1\"></span>terest i<span class=\"_ _1\"></span>ncom<span class=\"_ _1\"></span>e and<span class=\"_ _1\"></span> foreign<span class=\"_ _1\"></span> exchange gains<span class=\"_ _1\"></span> and los<span class=\"_ _1\"></span>ses on the ins<span class=\"_ _1\"></span>trument\u2019s a<span class=\"_ _1\"></span>mortised cost<span class=\"_ _1\"></span> which are recognis<span class=\"_ _1\"></span>ed in pro<span class=\"_ _1\"></span>fit or loss.<span class=\"_ _1\"></span> When the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et is derecognised, the cumula<span class=\"_ _1\"></span>tive gain or lo<span class=\"_ _1\"></span>ss previously recogn<span class=\"_ _1\"></span>ised in OCI is reclas<span class=\"_ _1\"></span>sified fr<span class=\"_ _1\"></span>om eq<span class=\"_ _1\"></span>uity t<span class=\"_ _1\"></span>o pr<span class=\"_ _1\"></span>ofit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>. Inter<span class=\"_ _1\"></span>est in<span class=\"_ _1\"></span>come f<span class=\"_ _1\"></span>rom thes<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws34\">finan<span class=\"_ _1\"></span>cial assets<span class=\"_ _1\"></span> is included<span class=\"_ _1\"></span> in </span></span>\u2018Int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come\u2019 us<span class=\"_ _1\"></span>ing t<span class=\"_ _1\"></span>he effect<span class=\"_ _1\"></span>ive int<span class=\"_ _1\"></span>erest<span class=\"_ _1\"></span> rate meth<span class=\"_ _1\"></span>od.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws48\">Fair<span class=\"_ _0\"></span> value through pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss (\u2018FVP<span class=\"_ _0\"></span>L\u2019):<span class=\"ff1 ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls5 ws35\">Ass<span class=\"_ _1\"></span>ets th<span class=\"_ _1\"></span>at do<span class=\"_ _1\"></span> not meet the cri<span class=\"_ _1\"></span>teria<span class=\"_ _1\"></span> for amor<span class=\"_ _1\"></span>tis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t or </span></span></span></span>FVOCI are<span class=\"_ _0\"></span> measured at fair value thr<span class=\"_ _0\"></span>ough profit or lo<span class=\"_ _0\"></span>ss. A gain or los<span class=\"_ _0\"></span>s on a financi<span class=\"_ _0\"></span>al assets that i<span class=\"_ _11\"></span>s subsequently<span class=\"_ _0\"></span> me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span> value thr<span class=\"_ _0\"></span>ough pro<span class=\"_ _0\"></span>fit or<span class=\"_ _0\"></span> los<span class=\"_ _0\"></span>s is <span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gnised in pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss a<span class=\"_ _0\"></span>nd<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws7\">pres<span class=\"_ _1\"></span>ented<span class=\"_ _1\"></span> </span></span>in the income s<span class=\"_ _1\"></span>tatement with<span class=\"_ _1\"></span>in \u2018Net trad<span class=\"_ _1\"></span>ing income\u2019 in th<span class=\"_ _1\"></span>e period in which it aris<span class=\"_ _1\"></span>es, unless it aris<span class=\"_ _1\"></span>es from as<span class=\"_ _1\"></span>sets t<span class=\"_ _1\"></span>hat wer<span class=\"_ _1\"></span>e design<span class=\"_ _1\"></span>ated a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue or<span class=\"_ _1\"></span> which a<span class=\"_ _1\"></span>re not hel<span class=\"_ _1\"></span>d for tr<span class=\"_ _1\"></span>ading<span class=\"_ _1\"></span>, in which<span class=\"_ _1\"></span> case it<span class=\"_ _1\"></span> <span class=\"ls16 ws6f\">is </span>presen<span class=\"_ _1\"></span>ted s<span class=\"_ _1\"></span>eparat<span class=\"_ _1\"></span>ely in \u2018<span class=\"_ _1\"></span>Net in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>t inco<span class=\"_ _1\"></span>me\u2019. Int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t in<span class=\"_ _1\"></span>come fro<span class=\"_ _1\"></span>m these <span class=\"_ _1\"></span>finan<span class=\"_ _1\"></span>cia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets is inclu<span class=\"_ _1\"></span>ded in<span class=\"_ _1\"></span> \u2018Inter<span class=\"_ _1\"></span>est in<span class=\"_ _1\"></span>come\u2019 us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e effectiv<span class=\"_ _1\"></span>e inter<span class=\"_ _1\"></span>est.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The amortised cos<span class=\"_ _1\"></span>t is the amou<span class=\"_ _1\"></span>nt at which<span class=\"_ _1\"></span> the financial ass<span class=\"_ _1\"></span>et or financial lia<span class=\"_ _1\"></span>bility is measured<span class=\"_ _1\"></span> at initial<span class=\"_ _1\"></span> recognition min<span class=\"_ _1\"></span>us the pri<span class=\"_ _1\"></span>ncipal repayments<span class=\"_ _1\"></span>, plus or minus the cumulativ<span class=\"_ _1\"></span>e amortisation<span class=\"_ _1\"></span> using the effective interes<span class=\"_ _1\"></span>t metho<span class=\"_ _1\"></span>d of an<span class=\"_ _1\"></span>y differ<span class=\"_ _1\"></span>ence b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> <span class=\"ls8 ws2d\">that init<span class=\"_ _0\"></span>ial amount and t<span class=\"_ _0\"></span>he m<span class=\"_ _0\"></span>aturity am<span class=\"_ _0\"></span>ount and, f<span class=\"_ _0\"></span>or fi<span class=\"_ _0\"></span>nancial </span>assets, adjusted for an<span class=\"_ _0\"></span>y credit loss allowanc<span class=\"_ _0\"></span>e. <span class=\"ls1\"> </span>The effect<span class=\"_ _1\"></span>ive int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>counts es<span class=\"_ _1\"></span>timat<span class=\"_ _1\"></span>ed futu<span class=\"_ _1\"></span>re cash p<span class=\"_ _1\"></span>ayments or<span class=\"_ _1\"></span> receipts<span class=\"_ _1\"></span> through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liability<span class=\"_ _1\"></span> to the gross<span class=\"_ _1\"></span> carryin<span class=\"_ _1\"></span>g amount of a<span class=\"_ _1\"></span> financial as<span class=\"_ _1\"></span>set (i.e. its amortis<span class=\"_ _1\"></span>ed cost before any<span class=\"_ _1\"></span> credit loss allowance) or to th<span class=\"_ _1\"></span>e amortised cost of a finan<span class=\"_ _1\"></span>cial liability.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>alculation doe<span class=\"_ _0\"></span>s not consider e<span class=\"_ _0\"></span>xpected c<span class=\"_ _0\"></span>redit losse<span class=\"_ _0\"></span>s and include<span class=\"_ _0\"></span>s transactio<span class=\"_ _0\"></span>n costs, pr<span class=\"_ _0\"></span>emi<span class=\"_ _0\"></span>ums or discounts a<span class=\"_ _0\"></span>nd fee<span class=\"_ _0\"></span>s and points pa<span class=\"_ _0\"></span>id or re<span class=\"_ _0\"></span>ceive<span class=\"_ _0\"></span>d that are<span class=\"_ _0\"></span> integr<span class=\"_ _0\"></span>al to the<span class=\"_ _0\"></span> effec<span class=\"_ _0\"></span>tive inte<span class=\"_ _0\"></span>rest rate, suc<span class=\"_ _0\"></span>h as originatio<span class=\"_ _1\"></span>n fees. For purch<span class=\"_ _1\"></span>ased or origin<span class=\"_ _1\"></span>ated cred<span class=\"ws8\">it<span class=\"ls1 ws1\">-</span></span>impa<span class=\"_ _1\"></span>ired (\u2018POCI\u2019) <span class=\"_ _1\"></span>financial a<span class=\"_ _1\"></span>ssets <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span><span class=\"ls9 ws11d\">assets that are </span></span>credit<span class=\"ls1 ws1\">-</span><span class=\"ws1d\">impair<span class=\"_ _1\"></span>ed at initial reco<span class=\"_ _1\"></span>gnition<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">- </span>the Bank calculates t<span class=\"_ _1\"></span>he credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">adju<span class=\"_ _1\"></span>sted<span class=\"_ _1\"></span> effectiv<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>te, whi<span class=\"_ _1\"></span>ch<span class=\"_ _1\"></span> </span></span></span>is calculat<span class=\"_ _1\"></span>ed based on th<span class=\"_ _1\"></span>e amortised cost of th<span class=\"_ _1\"></span>e financial as<span class=\"_ _1\"></span>set instead of its<span class=\"_ _1\"></span> gross ca<span class=\"ls8 wsb\">rrying am<span class=\"_ _0\"></span>ount and<span class=\"_ _0\"></span> </span>incor<span class=\"_ _1\"></span>porat<span class=\"_ _1\"></span>es the i<span class=\"_ _1\"></span>mpact o<span class=\"_ _1\"></span>f expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses in<span class=\"_ _1\"></span> estima<span class=\"_ _1\"></span>ted fut<span class=\"_ _1\"></span>ure cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>When t<span class=\"_ _1\"></span>he Ban<span class=\"_ _1\"></span>k rev<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he es<span class=\"_ _1\"></span>timates<span class=\"_ _1\"></span> of fu<span class=\"_ _1\"></span>ture <span class=\"_ _1\"></span>cash<span class=\"_ _1\"></span> flows, t<span class=\"_ _1\"></span>he ca<span class=\"_ _1\"></span>rryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the r<span class=\"_ _1\"></span>esp<span class=\"_ _1\"></span>ective f<span class=\"_ _1\"></span>inan<span class=\"_ _1\"></span>cial asset or fin<span class=\"_ _1\"></span>ancial liab<span class=\"_ _1\"></span>ility is adjus<span class=\"_ _1\"></span>ted to reflect the ne<span class=\"_ _1\"></span>w estimate di<span class=\"_ _1\"></span>scounted u<span class=\"_ _1\"></span>sing the or<span class=\"_ _1\"></span>iginal effective<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e. Any ch<span class=\"_ _1\"></span>anges<span class=\"_ _1\"></span> are reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">in profit o<span class=\"_ _1\"></span>r loss.</span> </span>The B<span class=\"_ _0\"></span>ank reclassif<span class=\"_ _0\"></span>ies de<span class=\"_ _0\"></span>bt instruments w<span class=\"_ _0\"></span>hen and only w<span class=\"_ _0\"></span>hen its business m<span class=\"_ _0\"></span>odel f<span class=\"_ _0\"></span>or managing<span class=\"_ _0\"></span> those assets<span class=\"_ _0\"></span> changes. The recla<span class=\"_ _1\"></span>ssification<span class=\"_ _1\"></span> takes place from th<span class=\"_ _1\"></span>e start of the first reportin<span class=\"_ _1\"></span>g period following the cha<span class=\"_ _1\"></span>nge. Such chang<span class=\"_ _0\"></span>es are e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted to be ver<span class=\"_ _0\"></span>y infre<span class=\"_ _0\"></span>quent and none<span class=\"_ _0\"></span> occ<span class=\"_ _0\"></span>urred dur<span class=\"_ _0\"></span>ing the<span class=\"_ _0\"></span> period.<span class=\"ls1 ws1\"> </span>(a)<span class=\"ff9 ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ff5 lsb ws2c\">Business<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"lsb ws24\">model assessment</span> </span></span></span>Key ma<span class=\"_ _0\"></span>nagement<span class=\"_ _0\"></span> personnel<span class=\"_ _0\"></span> dete<span class=\"_ _0\"></span>rmine the<span class=\"_ _0\"></span> Group\u2019s busi<span class=\"_ _0\"></span>ness mode<span class=\"_ _0\"></span>l by conside<span class=\"_ _0\"></span>ring t<span class=\"_ _11\"></span>he way financial inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s are man<span class=\"_ _1\"></span>aged i<span class=\"_ _1\"></span>n order to<span class=\"_ _1\"></span> generat<span class=\"_ _1\"></span>e cash<span class=\"_ _1\"></span> flows. T<span class=\"_ _1\"></span>hat i<span class=\"_ _1\"></span>s, wheth<span class=\"_ _1\"></span>er the Grou<span class=\"_ _1\"></span>p's o<span class=\"_ _1\"></span>bjecti<span class=\"_ _1\"></span>ve is s<span class=\"_ _1\"></span>olely to collect the con<span class=\"_ _1\"></span>tractual ca<span class=\"_ _1\"></span>sh flows from the ass<span class=\"_ _1\"></span>ets or is to collect both th<span class=\"_ _1\"></span>e contractual cash<span class=\"_ _1\"></span> flows and cash<span class=\"_ _1\"></span> flows a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g from th<span class=\"_ _1\"></span>e sal<span class=\"_ _1\"></span>e of ass<span class=\"_ _1\"></span>ets. I<span class=\"_ _1\"></span>f neither<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>ese i<span class=\"_ _1\"></span>s app<span class=\"_ _1\"></span>licab<span class=\"_ _1\"></span>le (e.g.<span class=\"_ _1\"></span> financ<span class=\"_ _1\"></span>ial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> are hel<span class=\"_ _1\"></span>d for trading purpo<span class=\"_ _0\"></span>ses), the<span class=\"_ _0\"></span>n the fi<span class=\"_ _0\"></span>nancial a<span class=\"_ _0\"></span>ssets are c<span class=\"_ _0\"></span>lassifi<span class=\"_ _0\"></span>ed as part of<span class=\"_ _0\"></span> 'othe<span class=\"_ _0\"></span>r' busine<span class=\"_ _0\"></span>ss mo<span class=\"ls5 ws22\">del and<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red </span>at FVPL<span class=\"_ _1\"></span>. Such<span class=\"_ _1\"></span> asses<span class=\"_ _1\"></span>sment<span class=\"_ _1\"></span> is p<span class=\"_ _1\"></span>erform<span class=\"_ _1\"></span>ed at a<span class=\"_ _1\"></span> \u2018port<span class=\"_ _1\"></span>folio l<span class=\"_ _1\"></span>evel' a<span class=\"_ _1\"></span>s it b<span class=\"_ _1\"></span>est re<span class=\"_ _1\"></span>flects<span class=\"_ _1\"></span> the wa<span class=\"_ _1\"></span>y th<span class=\"_ _1\"></span>e busi<span class=\"_ _1\"></span>ness<span class=\"_ _1\"></span> is manage<span class=\"_ _0\"></span>d and infor<span class=\"_ _0\"></span>mation i<span class=\"_ _0\"></span>s provided to m<span class=\"_ _0\"></span>anage<span class=\"_ _0\"></span>ment.<span class=\"ls1 ws1\"> </span>The inf<span class=\"_ _0\"></span>ormation t<span class=\"_ _0\"></span>hat will<span class=\"_ _0\"></span> be consider<span class=\"_ _0\"></span>ed in such a<span class=\"_ _0\"></span>ssessme<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>ludes:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsed\">the obj<span class=\"_ _0\"></span>ective<span class=\"_ _0\"></span>s for the<span class=\"_ _0\"></span> portfolio<span class=\"_ _0\"></span> including<span class=\"_ _0\"></span> whethe<span class=\"_ _0\"></span>r management\u2019<span class=\"_ _0\"></span>s strategy f<span class=\"_ _0\"></span>ocuses on e<span class=\"_ _0\"></span>arning<span class=\"_ _0\"></span> </span></span>contractu<span class=\"_ _1\"></span>al interest reven<span class=\"_ _1\"></span>ue, maintain<span class=\"_ _1\"></span>ing a particu<span class=\"_ _1\"></span>lar interest rate profile, mat<span class=\"_ _1\"></span>ching the du<span class=\"_ _1\"></span>ration of the financia<span class=\"_ _1\"></span>l assets t<span class=\"_ _1\"></span>o the duration of the lia<span class=\"_ _1\"></span>bilities tha<span class=\"_ _1\"></span>t are funding t<span class=\"_ _1\"></span>hose assets o<span class=\"_ _1\"></span>r realising cash flo<span class=\"_ _1\"></span>ws thro<span class=\"_ _1\"></span>ugh th<span class=\"_ _1\"></span>e sale o<span class=\"_ _1\"></span>f ass<span class=\"_ _1\"></span>ets;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws4f\">the me<span class=\"_ _0\"></span>thod for the e<span class=\"_ _0\"></span>valuation of<span class=\"_ _0\"></span> the perf<span class=\"_ _0\"></span>ormance of t<span class=\"_ _0\"></span>he portfoli<span class=\"_ _0\"></span>o and how such pe<span class=\"_ _0\"></span>rformance<span class=\"_ _0\"></span> is </span></span>report<span class=\"_ _1\"></span>ed to t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s ma<span class=\"_ _1\"></span>nagem<span class=\"_ _1\"></span>ent;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws2d\">the r<span class=\"_ _0\"></span>isks that <span class=\"_ _0\"></span>aff<span class=\"_ _0\"></span>ect the<span class=\"_ _0\"></span> perf<span class=\"_ _0\"></span>ormance<span class=\"_ _0\"></span> of the busi<span class=\"_ _0\"></span>ness m<span class=\"_ _0\"></span>odel (<span class=\"_ _0\"></span>and the fi<span class=\"_ _0\"></span>nancial as<span class=\"_ _0\"></span>sets <span class=\"_ _0\"></span>held <span class=\"_ _0\"></span>withi<span class=\"_ _0\"></span>n that </span></span>business mode<span class=\"_ _0\"></span>l) and how<span class=\"_ _0\"></span> those<span class=\"_ _0\"></span> risks are<span class=\"_ _0\"></span> manage<span class=\"_ _0\"></span>d; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 ws13\">the f<span class=\"_ _0\"></span>reque<span class=\"_ _0\"></span>ncy, volume<span class=\"_ _0\"></span> and ti<span class=\"_ _11\"></span>ming of sales i<span class=\"_ _0\"></span>n prio<span class=\"_ _0\"></span>r pe<span class=\"_ _0\"></span>riods, <span class=\"_ _0\"></span>the r<span class=\"_ _0\"></span>easons f<span class=\"_ _0\"></span>or suc<span class=\"_ _0\"></span>h sale<span class=\"_ _0\"></span>s and <span class=\"_ _0\"></span>expe<span class=\"_ _0\"></span>ctations </span></span>about future sales activity. How<span class=\"_ _0\"></span>ever, informati<span class=\"_ _0\"></span>on about sales activity is not considered in isolation, but as part<span class=\"_ _0\"></span> of a<span class=\"_ _0\"></span>n ove<span class=\"_ _0\"></span>rall a<span class=\"_ _0\"></span>ssessme<span class=\"_ _0\"></span>nt of how<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> G<span class=\"ls6 ws1f\">roup\u2019s stated obj<span class=\"_ _1\"></span>ective for managing the finan<span class=\"_ _1\"></span>cial </span>ass<span class=\"_ _1\"></span>ets is ac<span class=\"_ _1\"></span>hieved<span class=\"_ _1\"></span> and h<span class=\"_ _1\"></span>ow cash fl<span class=\"_ _1\"></span>ows are r<span class=\"_ _1\"></span>ealised<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>Financia<span class=\"_ _0\"></span>l assets that ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d for tra<span class=\"_ _0\"></span>ding and tho<span class=\"_ _0\"></span>se that ar<span class=\"_ _0\"></span>e manag<span class=\"_ _0\"></span>ed and who<span class=\"_ _0\"></span>se perf<span class=\"_ _0\"></span>ormance is e<span class=\"_ _0\"></span>valuated<span class=\"_ _0\"></span> on a fair value b<span class=\"_ _1\"></span>asis will be measured at FVPL b<span class=\"_ _1\"></span>ecause they are neith<span class=\"_ _1\"></span>er held to collect con<span class=\"_ _1\"></span>tractual cash flows nor held<span class=\"_ _1\"></span> both to collect contractua<span class=\"_ _1\"></span>l cash flows and to sell financial as<span class=\"_ _1\"></span>sets. Securities h<span class=\"_ _1\"></span>eld for trading are hel<span class=\"_ _0\"></span>d princi<span class=\"_ _0\"></span>pally for<span class=\"_ _0\"></span> the purpose of<span class=\"_ _0\"></span> selling<span class=\"_ _0\"></span> in the near<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span> or are pa<span class=\"_ _0\"></span>rt of a portf<span class=\"_ _0\"></span>olio of<span class=\"_ _0\"></span> financi<span class=\"_ _0\"></span>al inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t are man<span class=\"_ _1\"></span>aged<span class=\"_ _1\"></span> togeth<span class=\"_ _1\"></span>er and<span class=\"_ _1\"></span> for wh<span class=\"_ _1\"></span>ich th<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e is evid<span class=\"_ _1\"></span>enc<span class=\"_ _1\"></span>e of a re<span class=\"_ _1\"></span>cent a<span class=\"_ _1\"></span>ct<span class=\"ls8 ws53\">ual pattern of shor<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span>term pro<span class=\"_ _1\"></span>fit<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">tak<span class=\"_ _1\"></span>ing.</span> </span>The Bank may als<span class=\"_ _1\"></span>o irrevocably design<span class=\"_ _1\"></span>ate financial ass<span class=\"_ _1\"></span>ets at fair value through profit or los<span class=\"_ _1\"></span>s if doing so significant<span class=\"_ _1\"></span>ly reduces or eli<span class=\"_ _1\"></span>minat<span class=\"_ _1\"></span>es a mismatch creat<span class=\"_ _1\"></span>ed by ass<span class=\"_ _1\"></span>ets and lia<span class=\"_ _1\"></span>bilities being meas<span class=\"_ _1\"></span>ured on di<span class=\"_ _1\"></span>fferent bases.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>(b)<span class=\"ff9 ls1 ws1\"> <span class=\"_ _88\"> </span><span class=\"ff5 lsb ws24\">Cash flows that repr<span class=\"_ _0\"></span>esent solely payment<span class=\"_ _0\"></span> of principal<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est (\u2018SPPI<span class=\"_ _0\"></span>\u2019)<span class=\"ls1 ws1\"> </span></span></span>In res<span class=\"_ _1\"></span>pect of a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s wher<span class=\"_ _1\"></span>e the<span class=\"_ _1\"></span> intent<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f the bu<span class=\"_ _1\"></span>sines<span class=\"_ _1\"></span>s mod<span class=\"_ _1\"></span>el is to<span class=\"_ _1\"></span> hold t<span class=\"_ _1\"></span>he fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s to co<span class=\"_ _1\"></span>llect th<span class=\"_ _1\"></span>e contractu<span class=\"_ _1\"></span>al cash flows<span class=\"_ _1\"></span> or to hold to col<span class=\"_ _1\"></span>lect and to sell, the Group<span class=\"_ _1\"></span> assesses wheth<span class=\"_ _1\"></span>er the financial inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s\u2019 cash<span class=\"_ _1\"></span> flows r<span class=\"_ _1\"></span>epresen<span class=\"_ _1\"></span>t solel<span class=\"_ _1\"></span>y paymen<span class=\"_ _1\"></span><span class=\"ls8 ws3c\">ts of <span class=\"_ _0\"></span>principa<span class=\"_ _0\"></span>l and int<span class=\"_ _0\"></span>erest<span class=\"_ _0\"></span> (the SP<span class=\"_ _0\"></span>PI t<span class=\"_ _0\"></span>est)<span class=\"_ _0\"></span>. In maki<span class=\"_ _0\"></span>ng thi<span class=\"_ _0\"></span>s </span>assessment<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup consider<span class=\"_ _0\"></span>s whethe<span class=\"_ _0\"></span>r the contr<span class=\"_ _0\"></span>actual cash fl<span class=\"_ _0\"></span>ows are consi<span class=\"_ _0\"></span>stent wi<span class=\"_ _0\"></span>th a basic lendi<span class=\"_ _0\"></span>ng agreement. \u2018Pri<span class=\"_ _1\"></span>ncipal\u2019 is t<span class=\"_ _1\"></span>he fair va<span class=\"_ _1\"></span>lue of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et at initial recogn<span class=\"_ _1\"></span>ition. It i<span class=\"ls9 ws6f\">s n<span class=\"_ _1\"></span>ot the amount that </span>is du<span class=\"_ _1\"></span>e und<span class=\"_ _1\"></span>er the co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual terms of a<span class=\"_ _1\"></span>n ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>t. \u2018In<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span>\u2019 is the co<span class=\"_ _1\"></span>mpens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> for time v<span class=\"_ _1\"></span>alue o<span class=\"_ _1\"></span>f money<span class=\"_ _1\"></span> and credit r<span class=\"_ _1\"></span>isk of a basic lend<span class=\"_ _1\"></span>ing<span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">type re<span class=\"_ _0\"></span>turn. A basic<span class=\"_ _0\"></span> lending<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">type re<span class=\"_ _0\"></span>turn coul<span class=\"_ _0\"></span>d also incl<span class=\"_ _0\"></span>ude c<span class=\"_ _0\"></span>onsiderat<span class=\"_ _0\"></span>ion </span></span></span></span>for other basic<span class=\"_ _0\"></span> l<span class=\"ls6 ws1d\">ending risks (for example, liqu<span class=\"_ _1\"></span>idity risk) and consi<span class=\"_ _1\"></span>deration for cos<span class=\"_ _1\"></span>ts associated with ho<span class=\"_ _1\"></span>lding </span>the financia<span class=\"_ _1\"></span>l asset for a parti<span class=\"_ _1\"></span>cular period of time (for examp<span class=\"_ _1\"></span>le, servicing or<span class=\"_ _1\"></span> administra<span class=\"_ _1\"></span>tive costs) and/or a profit margin t<span class=\"_ _1\"></span>hat is con<span class=\"_ _1\"></span>sistent with a b<span class=\"_ _1\"></span>asic lendi<span class=\"ls8 ws11\">ng arrangem<span class=\"_ _0\"></span>ent. Whe<span class=\"_ _0\"></span>re the cont<span class=\"_ _0\"></span>ractual ter<span class=\"_ _0\"></span>ms introduc<span class=\"_ _0\"></span>e </span>exposure to<span class=\"_ _1\"></span> risk or vo<span class=\"_ _1\"></span>latility that ar<span class=\"_ _1\"></span>e inconsis<span class=\"_ _1\"></span>tent with a basic len<span class=\"_ _1\"></span>ding arrangem<span class=\"_ _1\"></span>ent, the related<span class=\"_ _1\"></span> financial<span class=\"_ _1\"></span> asset is classifi<span class=\"_ _0\"></span>ed and measured at fai<span class=\"_ _0\"></span>r value through profit <span class=\"_ _0\"></span>or loss.<span class=\"ls1\"> </span>Unlike<span class=\"_ _0\"></span> the busine<span class=\"_ _0\"></span>ss model a<span class=\"_ _0\"></span>ssessment,<span class=\"_ _0\"></span> the SPP<span class=\"_ _0\"></span>I assessme<span class=\"_ _0\"></span>nt is perf<span class=\"_ _0\"></span>orme<span class=\"_ _0\"></span>d for eac<span class=\"_ _0\"></span>h individual product<span class=\"_ _0\"></span> or portfoli<span class=\"_ _0\"></span>o of produc<span class=\"_ _0\"></span>ts. The<span class=\"_ _0\"></span> followi<span class=\"_ _0\"></span>ng conside<span class=\"_ _0\"></span>rations ar<span class=\"_ _0\"></span>e made<span class=\"_ _0\"></span> when asse<span class=\"_ _0\"></span>ssing consist<span class=\"_ _0\"></span>ency <span class=\"_ _0\"></span>with SP<span class=\"_ _0\"></span>PI:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls8 ws11\">contingent e<span class=\"_ _0\"></span>vents that w<span class=\"_ _0\"></span>ould<span class=\"_ _0\"></span> change t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> and timing<span class=\"_ _0\"></span> of cash f<span class=\"_ _0\"></span>lows suc<span class=\"_ _0\"></span>h as contr<span class=\"_ _11\"></span>actual term </span></span>resett<span class=\"_ _1\"></span>ing in<span class=\"_ _1\"></span>terest t<span class=\"_ _1\"></span>o a hig<span class=\"_ _1\"></span>her amou<span class=\"_ _1\"></span>nt in<span class=\"_ _1\"></span> the even<span class=\"_ _1\"></span>t of a mis<span class=\"_ _1\"></span>sed p<span class=\"_ _1\"></span>aymen<span class=\"_ _1\"></span>t;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls6 ws55\">leverage <span class=\"_ _1\"></span>features, being co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual cash flow ch<span class=\"_ _1\"></span>aracteris<span class=\"_ _1\"></span>tics that i<span class=\"_ _1\"></span>ncrease the var<span class=\"_ _1\"></span>iability of th<span class=\"_ _1\"></span>e </span></span>contractu<span class=\"_ _1\"></span>al cash flows<span class=\"_ _1\"></span> with the result t<span class=\"_ _1\"></span>hat they d<span class=\"_ _1\"></span>o not have economic char<span class=\"_ _1\"></span>acteristics<span class=\"_ _1\"></span> of interest;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls8 wsa\">contractual t<span class=\"_ _0\"></span>erms tha<span class=\"_ _0\"></span>t allow<span class=\"_ _0\"></span> the issuer<span class=\"_ _0\"></span> to prepay (<span class=\"_ _0\"></span>or the hol<span class=\"_ _11\"></span>der to put a debt instr<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>nt back to the<span class=\"_ _0\"></span> </span></span>issuer) be<span class=\"_ _0\"></span>fore m<span class=\"_ _0\"></span>aturity and the<span class=\"_ _0\"></span> prepaym<span class=\"_ _0\"></span>ent amount subs<span class=\"_ _0\"></span>tantiall<span class=\"_ _0\"></span>y repre<span class=\"_ _0\"></span>sents unpaid am<span class=\"_ _0\"></span>ounts of principal<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est, whi<span class=\"_ _0\"></span>ch may inc<span class=\"_ _0\"></span>lude r<span class=\"_ _0\"></span>easonable<span class=\"_ _0\"></span> compe<span class=\"_ _0\"></span>nsa<span class=\"ls5 ws68\">tion fo<span class=\"_ _1\"></span>r early<span class=\"_ _1\"></span> termin<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the </span>contract;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls5 ws16\">con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al terms<span class=\"_ _1\"></span> tha<span class=\"_ _1\"></span>t allow th<span class=\"_ _1\"></span>e issu<span class=\"_ _1\"></span>er or hold<span class=\"_ _1\"></span>er to extend<span class=\"_ _1\"></span> the cont<span class=\"_ _1\"></span>ractu<span class=\"_ _1\"></span>al term a<span class=\"_ _1\"></span>nd the terms<span class=\"_ _1\"></span> of the </span></span>extensi<span class=\"_ _0\"></span>on option re<span class=\"_ _0\"></span>sult in cont<span class=\"_ _0\"></span>ractual c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s during the<span class=\"_ _0\"></span> extension pe<span class=\"_ _0\"></span>riod that<span class=\"_ _0\"></span> are sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of princ<span class=\"_ _0\"></span>ipal and inte<span class=\"_ _0\"></span>rest, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h may inc<span class=\"_ _0\"></span>lude re<span class=\"_ _0\"></span>ason<span class=\"ls5 ws81\">able comp<span class=\"_ _1\"></span>ensa<span class=\"_ _1\"></span>tion fo<span class=\"_ _1\"></span>r the ext<span class=\"_ _1\"></span>ensio<span class=\"_ _1\"></span>n of th<span class=\"_ _1\"></span>e </span>contract; and<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _56\"> </span><span class=\"ff1 ls5 ws92\">featu<span class=\"_ _1\"></span>res th<span class=\"_ _1\"></span>at mod<span class=\"_ _1\"></span>ify c<span class=\"_ _1\"></span>onsid<span class=\"_ _1\"></span>eratio<span class=\"_ _1\"></span>n for t<span class=\"_ _1\"></span>he tim<span class=\"_ _1\"></span>e value o<span class=\"_ _1\"></span>f mo<span class=\"_ _1\"></span>ney (fo<span class=\"_ _1\"></span>r examp<span class=\"_ _1\"></span>le, p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>ic res<span class=\"_ _1\"></span>et of int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t </span></span>rates<span class=\"_ _1\"></span>).<span class=\"_ _bc\"> </span>Finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets wit<span class=\"_ _1\"></span>h embed<span class=\"_ _1\"></span>ded der<span class=\"_ _1\"></span>ivati<span class=\"_ _1\"></span>ves ar<span class=\"_ _1\"></span>e consider<span class=\"_ _1\"></span>ed in thei<span class=\"_ _1\"></span>r entiret<span class=\"_ _1\"></span>y when<span class=\"_ _1\"></span> determin<span class=\"_ _1\"></span>ing whet<span class=\"_ _1\"></span>her their c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s are sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of pri<span class=\"_ _0\"></span>ncipal and i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st.<span class=\"ls1 ws1\"> </span>1.4.2.2 Equ<span class=\"_ _1\"></span>ity instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span>Equ<span class=\"_ _1\"></span>ity ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>s are ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t meet the d<span class=\"_ _1\"></span>efiniti<span class=\"_ _1\"></span>on of eq<span class=\"_ _1\"></span>uity fro<span class=\"_ _1\"></span>m the issu<span class=\"_ _1\"></span>er's pers<span class=\"_ _1\"></span>pectiv<span class=\"_ _1\"></span>e, tha<span class=\"_ _1\"></span>t is, instr<span class=\"_ _0\"></span>uments tha<span class=\"_ _0\"></span>t do not<span class=\"_ _0\"></span> contai<span class=\"_ _0\"></span>n a contrac<span class=\"_ _0\"></span>tual o<span class=\"_ _0\"></span>bligati<span class=\"_ _0\"></span>on to pay a<span class=\"_ _0\"></span>nd tha<span class=\"_ _0\"></span>t evide<span class=\"_ _0\"></span>nce a re<span class=\"_ _0\"></span>sidual inte<span class=\"_ _0\"></span>rest i<span class=\"_ _11\"></span>n the is<span class=\"_ _1\"></span>suer's<span class=\"_ _1\"></span> net as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>. Exampl<span class=\"_ _1\"></span>es of equ<span class=\"_ _1\"></span>i<span class=\"ls8 wsa\">ty instrume<span class=\"_ _0\"></span>nts inclu<span class=\"_ _0\"></span>de basic<span class=\"_ _0\"></span> ordinary <span class=\"_ _0\"></span>shares.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>The G<span class=\"_ _0\"></span>roup subsequent<span class=\"_ _0\"></span>ly mea<span class=\"_ _0\"></span>sures all e<span class=\"_ _0\"></span>quity<span class=\"_ _0\"></span> investm<span class=\"_ _0\"></span>ents at<span class=\"_ _0\"></span> fair val<span class=\"_ _0\"></span>ue throug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it or l<span class=\"_ _0\"></span>oss, exc<span class=\"_ _0\"></span>ept w<span class=\"_ _0\"></span>here the Gro<span class=\"_ _1\"></span>up's ma<span class=\"_ _1\"></span>nagemen<span class=\"_ _1\"></span>t has<span class=\"_ _1\"></span> elected,<span class=\"_ _1\"></span> at ini<span class=\"_ _1\"></span>tial reco<span class=\"_ _1\"></span>gnitio<span class=\"_ _1\"></span>n, to ir<span class=\"_ _1\"></span>revoca<span class=\"_ _1\"></span>bly des<span class=\"_ _1\"></span>igna<span class=\"_ _1\"></span>te an equity<span class=\"_ _1\"></span> inves<span class=\"_ _1\"></span>tment at fair<span class=\"_ _0\"></span> value throug<span class=\"_ _0\"></span>h other c<span class=\"_ _0\"></span>ompre<span class=\"_ _0\"></span>hensive i<span class=\"_ _0\"></span>ncome. The<span class=\"_ _0\"></span> Group's poli<span class=\"_ _0\"></span>cy is to desi<span class=\"_ _0\"></span>gnate e<span class=\"_ _0\"></span>quity inve<span class=\"_ _0\"></span>stments as FVO<span class=\"_ _1\"></span>CI when t<span class=\"_ _1\"></span>hose i<span class=\"_ _1\"></span>nvest<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> are held<span class=\"_ _1\"></span> for pu<span class=\"_ _1\"></span>rposes o<span class=\"_ _1\"></span>ther tha<span class=\"_ _1\"></span>n to gen<span class=\"_ _1\"></span>erate in<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>ment retu<span class=\"_ _1\"></span>rns.<span class=\"_ _1\"></span> When this election<span class=\"_ _1\"></span> is used, fair va<span class=\"_ _1\"></span>lue gains and losses a<span class=\"_ _1\"></span>re recognised in OCI and<span class=\"_ _1\"></span> are not subsequently recla<span class=\"_ _1\"></span>ssified to profit or<span class=\"_ _1\"></span> loss, includ<span class=\"_ _1\"></span>ing on dispo<span class=\"_ _1\"></span>sal. <span class=\"ls1 ws1\"> </span>Impair<span class=\"_ _1\"></span>ment los<span class=\"_ _1\"></span>ses (<span class=\"_ _1\"></span>and rev<span class=\"_ _1\"></span>ersa<span class=\"_ _1\"></span>l of impai<span class=\"_ _1\"></span>rment lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span>) are not r<span class=\"_ _1\"></span>eported<span class=\"_ _1\"></span> sepa<span class=\"_ _1\"></span>rately fr<span class=\"_ _1\"></span>om oth<span class=\"_ _1\"></span>er chan<span class=\"_ _1\"></span>ges in fair val<span class=\"_ _0\"></span>ue. Di<span class=\"_ _0\"></span>vidends, whe<span class=\"_ _0\"></span>n representing<span class=\"_ _0\"></span> a retur<span class=\"_ _0\"></span>n on such investme<span class=\"_ _0\"></span>nts, continue<span class=\"_ _0\"></span> to be recogni<span class=\"_ _0\"></span>sed in prof<span class=\"_ _0\"></span>it or loss as di<span class=\"_ _0\"></span>vidend inc<span class=\"_ _0\"></span>ome w<span class=\"_ _0\"></span>hen the<span class=\"_ _0\"></span> Group'<span class=\"_ _0\"></span>s r<span class=\"ls5 ws6\">ight t<span class=\"_ _1\"></span>o receiv<span class=\"_ _1\"></span>e pay<span class=\"_ _1\"></span>ment is<span class=\"_ _1\"></span> estab<span class=\"_ _1\"></span>lished<span class=\"_ _1\"></span>. </span><span class=\"ls5 ws6\"><span class=\"ls1 ws1\"> </span></span>1.4.3   Impairmen<span class=\"_ _1\"></span>t of financial<span class=\"_ _1\"></span> assets<span class=\"ls1 ws1\"> </span> <span class=\"_ _24\"> </span><span class=\"ls5 ws2a\">The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> asses<span class=\"_ _1\"></span>ses o<span class=\"_ _1\"></span>n a for<span class=\"_ _1\"></span>ward</span>-<span class=\"ls6 ws23\">lookin<span class=\"_ _1\"></span>g basis<span class=\"_ _1\"></span> the expected cred<span class=\"_ _1\"></span>it losses (\u2018<span class=\"_ _1\"></span>ECLs\u2019) as<span class=\"_ _1\"></span>sociated with its d<span class=\"_ _1\"></span>ebt </span>instrume<span class=\"_ _0\"></span>nts carri<span class=\"_ _0\"></span>ed at am<span class=\"_ _0\"></span>ortised cost and F<span class=\"_ _0\"></span>VOCI a<span class=\"_ _0\"></span>nd with the<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> arising<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> loan commi<span class=\"_ _0\"></span>tments and financi<span class=\"_ _0\"></span>al guara<span class=\"_ _0\"></span>ntee c<span class=\"_ _0\"></span>ontracts. The<span class=\"_ _0\"></span> Group r<span class=\"_ _0\"></span>ec<span class=\"ls7 ws26\">ognises a loss allowance for<span class=\"_ _0\"></span> such losses at each reporting </span>date.<span class=\"_ _1\"></span> The meas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ent of E<span class=\"_ _1\"></span>CLs reflec<span class=\"_ _1\"></span>ts:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws56\">an unbiased a<span class=\"_ _0\"></span>nd proba<span class=\"_ _0\"></span>bility<span class=\"ls1 ws1\">-</span>w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted amount that i<span class=\"_ _0\"></span>s dete<span class=\"_ _0\"></span>rmi<span class=\"_ _0\"></span>ned by evalua<span class=\"_ _0\"></span>ting a rang<span class=\"_ _0\"></span>e of po<span class=\"_ _0\"></span>ssible<span class=\"_ _0\"></span> </span></span>outc<span class=\"_ _1\"></span>omes; <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">the ti<span class=\"_ _1\"></span>me value o<span class=\"_ _1\"></span>f mon<span class=\"_ _1\"></span>ey; and<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reasonable<span class=\"_ _0\"></span> and suppor<span class=\"_ _0\"></span>table inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion that is avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout undue<span class=\"_ _0\"></span> cost or e<span class=\"_ _0\"></span>ffor<span class=\"_ _0\"></span>t at the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> </span></span>date about pa<span class=\"_ _0\"></span>st eve<span class=\"_ _0\"></span>nts, curre<span class=\"_ _11\"></span>nt conditions and fo<span class=\"_ _0\"></span>recasts of<span class=\"_ _11\"></span> future econo<span class=\"_ _0\"></span>mic condit<span class=\"_ _0\"></span>ions. <span class=\"ls1 ws1\"> </span>Note 2<span class=\"_ _1\"></span>.3.4 pro<span class=\"_ _1\"></span>vides<span class=\"_ _1\"></span> more det<span class=\"_ _1\"></span>ail o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Expec<span class=\"_ _1\"></span>ted Cr<span class=\"_ _1\"></span>edit Lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e is meas<span class=\"_ _1\"></span>ured. Expec<span class=\"_ _1\"></span>ted Credi<span class=\"_ _1\"></span>t Los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es are p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e stat<span class=\"_ _1\"></span>ement of fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al pos<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as fol<span class=\"_ _1\"></span>lows:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls7 ws57\">financial assets me<span class=\"_ _0\"></span>asured at amortised cost:<span class=\"_ _0\"></span> as a deduction from the<span class=\"_ _0\"></span> gross carrying amount of the </span></span>assets;<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">loan commit<span class=\"_ _1\"></span>ments and<span class=\"_ _1\"></span> financial guar<span class=\"_ _1\"></span>antee contracts<span class=\"_ _1\"></span>: generally,<span class=\"_ _1\"></span> as a provis<span class=\"_ _1\"></span>ion;</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws11\">financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ent wi<span class=\"_ _0\"></span>th both a draw<span class=\"_ _0\"></span>n and undrawn c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span>, wher<span class=\"_ _0\"></span>eby the G<span class=\"_ _0\"></span>roup cannot ide<span class=\"_ _0\"></span>ntify<span class=\"_ _0\"></span> </span></span>the ECL on t<span class=\"_ _0\"></span>he loan<span class=\"_ _0\"></span> comm<span class=\"_ _0\"></span>itment c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span> separate<span class=\"_ _0\"></span>ly from<span class=\"_ _0\"></span> that on t<span class=\"_ _0\"></span>he draw<span class=\"_ _0\"></span>n compo<span class=\"_ _0\"></span>nent: the<span class=\"_ _0\"></span> Group<span class=\"_ _0\"></span> presents a c<span class=\"_ _0\"></span>ombine<span class=\"_ _0\"></span>d loss all<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span> both compone<span class=\"_ _0\"></span>nts, as a ded<span class=\"ls6 ws10\">uction from the gross<span class=\"_ _1\"></span> carrying </span>amount of<span class=\"_ _0\"></span> the draw<span class=\"_ _0\"></span>n compone<span class=\"_ _0\"></span>nt; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws83\">debt i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>uments mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at FVOCI<span class=\"_ _1\"></span>: no los<span class=\"_ _1\"></span>s allowa<span class=\"_ _1\"></span>nce is r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e statemen<span class=\"_ _1\"></span>t of fin<span class=\"_ _1\"></span>ancial </span></span>position aga<span class=\"_ _0\"></span>inst the ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ount of the<span class=\"_ _0\"></span> asset because<span class=\"_ _0\"></span> the carryi<span class=\"_ _0\"></span>ng amount of t<span class=\"_ _0\"></span>hese assets is their<span class=\"_ _11\"></span> fair value. Instead, a<span class=\"_ _0\"></span>n amount e<span class=\"_ _0\"></span>qual to the allowance<span class=\"_ _0\"></span> t<span class=\"ls5 ws3b\">hat would<span class=\"_ _1\"></span> aris<span class=\"_ _1\"></span>e if the as<span class=\"_ _1\"></span>sets were<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red at </span>amorti<span class=\"_ _1\"></span>sed co<span class=\"_ _1\"></span>st is reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> in oth<span class=\"_ _1\"></span>er compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income a<span class=\"_ _1\"></span>s an acc<span class=\"_ _1\"></span>umulat<span class=\"_ _1\"></span>ed impa<span class=\"_ _1\"></span>irment a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>, with a corresp<span class=\"_ _1\"></span>onding ch<span class=\"_ _1\"></span>arge to profit or lo<span class=\"_ _1\"></span>ss. <span class=\"ls1 ws1\"> </span>1.4.4   Modificatio<span class=\"_ _1\"></span>n of loans<span class=\"_ _1\"></span> and adv<span class=\"_ _1\"></span>ances to custo<span class=\"_ _1\"></span>mers<span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>ontractual<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span>s of a loan may be<span class=\"_ _0\"></span> modif<span class=\"_ _0\"></span>ied f<span class=\"_ _0\"></span>or a numbe<span class=\"_ _0\"></span>r of re<span class=\"_ _0\"></span>asons, includi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>hanging m<span class=\"_ _0\"></span>arket conditions, customer re<span class=\"_ _0\"></span>tention and other factor<span class=\"_ _0\"></span>s not related to a curre<span class=\"_ _0\"></span>nt or potential credit dete<span class=\"_ _0\"></span>rioration of the c<span class=\"_ _1\"></span>usto<span class=\"_ _1\"></span>mer. <span class=\"ls1 ws1\"> </span>The Gro<span class=\"_ _1\"></span>up ren<span class=\"_ _1\"></span>egotia<span class=\"_ _1\"></span>tes loa<span class=\"_ _1\"></span>ns<span class=\"_ _1\"></span> and a<span class=\"_ _1\"></span>dvanc<span class=\"_ _1\"></span>es to cu<span class=\"_ _1\"></span>stomers<span class=\"_ _1\"></span> in fina<span class=\"_ _1\"></span>ncial d<span class=\"_ _1\"></span>ifficu<span class=\"_ _1\"></span>lti<span class=\"_ _1\"></span>es (refer<span class=\"_ _1\"></span>red to a<span class=\"_ _1\"></span>s \u2018forbearan<span class=\"_ _1\"></span>ce activities<span class=\"_ _1\"></span>\u2019) to maximis<span class=\"_ _1\"></span>e collection o<span class=\"_ _1\"></span>pportun<span class=\"_ _1\"></span>ities an<span class=\"_ _1\"></span>d minimise t<span class=\"_ _1\"></span>he risk of<span class=\"_ _1\"></span> default. Under<span class=\"_ _1\"></span> the Group\u2019s forbearance<span class=\"_ _0\"></span> policy, loan forbear<span class=\"_ _0\"></span>ance is gran<span class=\"ls6 ws39\">ted on a selective basis<span class=\"_ _1\"></span> if the debtor is cu<span class=\"_ _1\"></span>rrently in </span>default<span class=\"_ _0\"></span> on its de<span class=\"_ _0\"></span>bt or<span class=\"_ _0\"></span> if the<span class=\"_ _0\"></span>re is a<span class=\"_ _0\"></span> high ri<span class=\"_ _0\"></span>sk of<span class=\"_ _0\"></span> defaul<span class=\"_ _0\"></span>t, the<span class=\"_ _0\"></span>re is e<span class=\"_ _0\"></span>vidence<span class=\"_ _0\"></span> that <span class=\"_ _0\"></span>the debt<span class=\"_ _0\"></span>or ma<span class=\"_ _0\"></span>de all<span class=\"_ _0\"></span> reasonable<span class=\"_ _11\"></span> eff<span class=\"_ _0\"></span>orts to pay under<span class=\"_ _0\"></span> the ori<span class=\"_ _0\"></span>gina<span class=\"_ _0\"></span>l contrac<span class=\"_ _0\"></span>tual te<span class=\"_ _0\"></span>rms, and t<span class=\"_ _0\"></span>he debt<span class=\"_ _0\"></span>or is expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d to be ab<span class=\"ls5 ws41\">le to meet the<span class=\"_ _1\"></span> </span>revis<span class=\"_ _1\"></span>ed terms<span class=\"_ _1\"></span>. The rev<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> terms us<span class=\"_ _1\"></span>uall<span class=\"_ _1\"></span>y inclu<span class=\"_ _1\"></span>de exten<span class=\"_ _1\"></span>ding t<span class=\"_ _1\"></span>he matu<span class=\"_ _1\"></span>rity,<span class=\"_ _1\"></span> revis<span class=\"_ _1\"></span>ion of in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rate an<span class=\"_ _1\"></span>d changing<span class=\"_ _0\"></span> the tim<span class=\"_ _0\"></span>ing of i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st payme<span class=\"_ _0\"></span>nts. Both<span class=\"_ _0\"></span> personal<span class=\"_ _0\"></span> and c<span class=\"_ _0\"></span>orporate<span class=\"_ _0\"></span> &amp; c<span class=\"_ _0\"></span>omme<span class=\"_ _0\"></span>rcial loans ar<span class=\"_ _0\"></span>e subj<span class=\"_ _0\"></span>ect to<span class=\"_ _0\"></span> the for<span class=\"_ _0\"></span>bearanc<span class=\"_ _0\"></span>e polic<span class=\"_ _0\"></span>y.<span class=\"ls1 ws1\"> </span>When modi<span class=\"_ _0\"></span>fication happe<span class=\"_ _0\"></span>ns, the G<span class=\"_ _0\"></span>roup assesses w<span class=\"_ _0\"></span>hethe<span class=\"_ _0\"></span>r or not the ne<span class=\"_ _0\"></span>w terms are<span class=\"_ _0\"></span> substantially di<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>rent to the ori<span class=\"_ _0\"></span>ginal te<span class=\"_ _0\"></span>rms. T<span class=\"_ _0\"></span>he Group does thi<span class=\"_ _0\"></span>s by con<span class=\"_ _0\"></span>sideri<span class=\"_ _0\"></span>ng, am<span class=\"_ _0\"></span>ong othe<span class=\"_ _0\"></span>rs, the f<span class=\"_ _0\"></span>ollow<span class=\"_ _0\"></span>ing factor<span class=\"_ _0\"></span>s:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws3b\">If the b<span class=\"_ _1\"></span>orrower<span class=\"_ _1\"></span> is in fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al d<span class=\"_ _1\"></span>ifficulty<span class=\"_ _1\"></span>, wheth<span class=\"_ _1\"></span>er the <span class=\"_ _1\"></span>modifi<span class=\"_ _1\"></span>cati<span class=\"_ _1\"></span>on merely<span class=\"_ _1\"></span> redu<span class=\"_ _1\"></span>ces th<span class=\"_ _1\"></span>e con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al cash </span></span>flows t<span class=\"_ _1\"></span>o amou<span class=\"_ _1\"></span>nts t<span class=\"_ _1\"></span>he bor<span class=\"_ _1\"></span>rower is ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> to be ab<span class=\"_ _1\"></span>le to p<span class=\"_ _1\"></span>ay.<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">Whether<span class=\"_ _0\"></span> any substanti<span class=\"_ _0\"></span>al new<span class=\"_ _0\"></span> term<span class=\"_ _0\"></span>s are intr<span class=\"_ _0\"></span>oduced.<span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Significant ext<span class=\"_ _1\"></span>ension o<span class=\"_ _1\"></span>f the loan term when th<span class=\"_ _1\"></span>e borrower is<span class=\"_ _1\"></span> not in fina<span class=\"_ _1\"></span>ncial difficulty.</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Significant ch<span class=\"_ _1\"></span>ange in the int<span class=\"_ _1\"></span>erest rate. </span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws61\">Insertion<span class=\"_ _1\"></span> of collateral, ot<span class=\"_ _1\"></span>her security o<span class=\"_ _1\"></span>r credit enhanceme<span class=\"_ _1\"></span>nts tha<span class=\"_ _1\"></span>t significantly affect th<span class=\"_ _1\"></span>e credit risk </span></span>associated with the loan.<span class=\"_ _0\"></span><span class=\"ls1\"> </span>If the t<span class=\"_ _1\"></span>erms a<span class=\"_ _1\"></span>re sub<span class=\"_ _1\"></span>stan<span class=\"_ _1\"></span>tiall<span class=\"_ _1\"></span>y differen<span class=\"_ _1\"></span>t, th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> dereco<span class=\"_ _1\"></span>gni<span class=\"_ _1\"></span>ses th<span class=\"_ _1\"></span>e origin<span class=\"_ _1\"></span>al fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> asset an<span class=\"_ _1\"></span>d recog<span class=\"_ _1\"></span>nises<span class=\"_ _1\"></span> a 'new' as<span class=\"_ _1\"></span>set a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue, and r<span class=\"_ _1\"></span>ecalcula<span class=\"_ _1\"></span>tes a n<span class=\"_ _1\"></span>ew effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te for th<span class=\"_ _1\"></span>e asset. Th<span class=\"_ _1\"></span>e date o<span class=\"_ _1\"></span>f reneg<span class=\"_ _0\"></span>otiation i<span class=\"_ _0\"></span>s conseque<span class=\"_ _0\"></span>ntly c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d to <span class=\"ls5 ws1e\">be the dat<span class=\"_ _1\"></span>e of initial<span class=\"_ _1\"></span> recogni<span class=\"_ _1\"></span>tion fo<span class=\"_ _1\"></span>r expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses </span>calculation<span class=\"_ _1\"></span> purpos<span class=\"_ _1\"></span>es, including for the p<span class=\"_ _1\"></span>urpose of det<span class=\"_ _1\"></span>ermining whether a sign<span class=\"_ _1\"></span>ificant incre<span class=\"_ _1\"></span>ase in credit ris<span class=\"_ _1\"></span>k has<span class=\"_ _1\"></span> occurr<span class=\"_ _1\"></span>ed. Howev<span class=\"_ _1\"></span>er, th<span class=\"_ _1\"></span>e Grou<span class=\"_ _1\"></span>p als<span class=\"_ _1\"></span>o asses<span class=\"_ _1\"></span>ses wh<span class=\"_ _1\"></span>ether th<span class=\"_ _1\"></span>e new fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ass<span class=\"_ _1\"></span>et recog<span class=\"_ _1\"></span>nis<span class=\"_ _1\"></span>ed is d<span class=\"_ _1\"></span>eemed t<span class=\"_ _1\"></span>o be cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">impair<span class=\"_ _1\"></span>ed at initia<span class=\"_ _1\"></span>l recognitio<span class=\"_ _1\"></span>n, especially<span class=\"_ _1\"></span> in circum<span class=\"_ _1\"></span>stances<span class=\"_ _1\"></span> where the renegotia<span class=\"_ _1\"></span>tion was<span class=\"_ _1\"></span> driven by<span class=\"_ _1\"></span> </span></span>the debto<span class=\"_ _0\"></span>r being una<span class=\"_ _0\"></span>ble to m<span class=\"_ _0\"></span>ake the<span class=\"_ _0\"></span> origi<span class=\"_ _0\"></span>nally agr<span class=\"_ _0\"></span>eed payme<span class=\"_ _0\"></span>nts. Diffe<span class=\"_ _0\"></span>rences i<span class=\"_ _0\"></span>n the carrying<span class=\"_ _0\"></span> amount ar<span class=\"_ _0\"></span>e also recogn<span class=\"_ _1\"></span>ised in profit<span class=\"_ _1\"></span> <span class=\"ls7 ws1\">or loss as a gain<span class=\"_ _0\"></span> or loss on dere<span class=\"_ _0\"></span>cognition.<span class=\"ls1\"> </span></span>If the t<span class=\"_ _1\"></span>erms are n<span class=\"_ _1\"></span>ot sub<span class=\"_ _1\"></span>stantial<span class=\"_ _1\"></span>ly differ<span class=\"_ _1\"></span>ent, th<span class=\"_ _1\"></span>e reneg<span class=\"_ _1\"></span>otiat<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>r modific<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> does no<span class=\"_ _1\"></span>t resu<span class=\"_ _1\"></span>lt in derec<span class=\"_ _0\"></span>ognitio<span class=\"_ _0\"></span>n, and the G<span class=\"_ _0\"></span>roup rec<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>es the gr<span class=\"_ _0\"></span>oss carryi<span class=\"_ _0\"></span>ng amount base<span class=\"_ _0\"></span>d on the re<span class=\"_ _0\"></span>vise<span class=\"_ _0\"></span>d cash fl<span class=\"_ _0\"></span>ows of the financia<span class=\"_ _1\"></span>l asset and<span class=\"_ _1\"></span> recogni<span class=\"_ _1\"></span>ses a mod<span class=\"_ _1\"></span>ification ga<span class=\"_ _1\"></span>in<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls7 ws11f\">or loss in profit or loss. The new gross carrying amount </span></span>is recalculat<span class=\"_ _1\"></span>ed by disco<span class=\"_ _1\"></span>unting the modified ca<span class=\"_ _1\"></span>sh flows<span class=\"_ _1\"></span> at the origina<span class=\"_ _1\"></span>l effective inter<span class=\"_ _1\"></span>est rate (or credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>adju<span class=\"_ _1\"></span>sted<span class=\"_ _1\"></span> effective<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e for p<span class=\"_ _1\"></span>urcha<span class=\"_ _1\"></span>sed or<span class=\"_ _1\"></span> origin<span class=\"_ _1\"></span>ated <span class=\"_ _1\"></span>credit<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">i<span class=\"_ _1\"></span>mpaired fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>et</span></span>s). Th<span class=\"_ _1\"></span>e impa<span class=\"_ _1\"></span>ct of modifications<span class=\"_ _1\"></span> of financial a<span class=\"_ _1\"></span>ssets on<span class=\"_ _1\"></span> the Expected Credit<span class=\"_ _1\"></span> Loss calculat<span class=\"_ _1\"></span>ion is dis<span class=\"_ _1\"></span>cussed in no<span class=\"_ _1\"></span>te<span class=\"ls1 ws1\"> </span><span class=\"ws8\">2.3.9.<span class=\"ls1 ws1\"> </span></span>1.4.5 <span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span></span><span class=\"ws7\">Dere<span class=\"_ _1\"></span>cognition of fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets (other th<span class=\"_ _1\"></span>an on a mod<span class=\"_ _1\"></span>ification)<span class=\"ls1 ws1\"> </span></span>Financial a<span class=\"_ _1\"></span>ssets, or a portio<span class=\"_ _1\"></span>n thereof, are derecognised<span class=\"_ _1\"></span> when the contra<span class=\"_ _1\"></span>ctual rights to receive the cash<span class=\"_ _1\"></span> flows fr<span class=\"_ _1\"></span>om th<span class=\"_ _1\"></span>e as<span class=\"_ _1\"></span>sets h<span class=\"_ _1\"></span>ave ex<span class=\"_ _1\"></span>pired<span class=\"_ _1\"></span>, or wh<span class=\"_ _1\"></span>en th<span class=\"_ _1\"></span>ey hav<span class=\"_ _1\"></span>e been<span class=\"_ _1\"></span> tran<span class=\"_ _1\"></span>sferred<span class=\"_ _1\"></span> and eit<span class=\"_ _1\"></span>her (<span class=\"_ _1\"></span>i) th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> trans<span class=\"_ _1\"></span>fers<span class=\"_ _1\"></span> substantial<span class=\"_ _0\"></span>ly all the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>wards of<span class=\"_ _0\"></span> owner<span class=\"_ _0\"></span>ship, or (i<span class=\"_ _0\"></span>i) the<span class=\"_ _0\"></span> Group nei<span class=\"_ _0\"></span>ther tr<span class=\"_ _0\"></span>ansfer<span class=\"_ _0\"></span>s nor retai<span class=\"_ _0\"></span>ns substantial<span class=\"_ _0\"></span>ly all the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>wards of<span class=\"_ _0\"></span> owner<span class=\"_ _0\"></span>ship and the G<span class=\"_ _0\"></span>roup has not re<span class=\"_ _0\"></span>tained c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>1.4A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _8a\"> </span></span><span class=\"ls5 ws6\">Tra<span class=\"_ _1\"></span>de and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> receivab<span class=\"_ _1\"></span>les<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Trade rec<span class=\"_ _1\"></span>eiva<span class=\"_ _1\"></span>bles a<span class=\"_ _1\"></span>re amoun<span class=\"_ _1\"></span>ts d<span class=\"_ _1\"></span>ue from cu<span class=\"_ _1\"></span>stomers<span class=\"_ _1\"></span> for merch<span class=\"_ _1\"></span>and<span class=\"_ _1\"></span>ise so<span class=\"_ _1\"></span>ld or serv<span class=\"_ _1\"></span>ices perfo<span class=\"_ _1\"></span>rmed in<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> ordinary co<span class=\"_ _0\"></span>urse of busi<span class=\"_ _11\"></span>ness. If coll<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>on is expect<span class=\"_ _0\"></span>ed in one year<span class=\"_ _0\"></span> or less (<span class=\"_ _0\"></span>or in the<span class=\"_ _0\"></span> normal ope<span class=\"_ _0\"></span>rating<span class=\"_ _0\"></span> cycle<span class=\"_ _0\"></span> of the b<span class=\"_ _1\"></span>usin<span class=\"_ _1\"></span>ess i<span class=\"_ _1\"></span>f longer),<span class=\"_ _1\"></span> they a<span class=\"_ _1\"></span>re clas<span class=\"_ _1\"></span>sified <span class=\"ls8 ws17\">as current asset<span class=\"_ _0\"></span>s. If not, the<span class=\"_ _0\"></span>y are pr<span class=\"_ _0\"></span>esented as non<span class=\"ls1 ws1\">-<span class=\"lsa ws24\">curre<span class=\"_ _0\"></span>nt </span></span></span>assets.<span class=\"_ _0\"></span> Trade<span class=\"_ _0\"></span> and other rec<span class=\"_ _0\"></span>eivable<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>ognised init<span class=\"_ _0\"></span>ially at f<span class=\"_ _0\"></span>air value and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amort<span class=\"_ _0\"></span>ised cost<span class=\"_ _1\"></span> usin<span class=\"_ _1\"></span>g the ef<span class=\"_ _1\"></span>fective<span class=\"_ _1\"></span> inter<span class=\"_ _1\"></span>est met<span class=\"_ _1\"></span>hod,<span class=\"_ _1\"></span> less ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> c<span class=\"_ _1\"></span>redit l<span class=\"_ _1\"></span>oss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces. <span class=\"_ _1\"></span>Credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nces include sp<span class=\"_ _1\"></span>ecific prov<span class=\"_ _1\"></span>isions for i<span class=\"_ _1\"></span>mpairment aga<span class=\"_ _1\"></span>i<span class=\"ls8 ws67\">nst cre<span class=\"_ _0\"></span>dit impaire<span class=\"_ _0\"></span>d individual<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s when t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s </span>objective evid<span class=\"_ _1\"></span>ence that the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> will not be able to<span class=\"_ _1\"></span> collect all amo<span class=\"_ _1\"></span>unts du<span class=\"_ _1\"></span>e according to<span class=\"_ _1\"></span> the original ter<span class=\"_ _1\"></span>ms of the receiva<span class=\"_ _1\"></span>bles. Signif<span class=\"_ _1\"></span>icant fin<span class=\"_ _1\"></span>ancial difficu<span class=\"_ _1\"></span>lties of the <span class=\"_ _1\"></span>debtor, p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> that the <span class=\"ls5 ws28\">deb<span class=\"_ _1\"></span>tor will en<span class=\"_ _1\"></span>ter </span>bankruptcy or f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al reor<span class=\"_ _0\"></span>ganisatio<span class=\"_ _0\"></span>n, and de<span class=\"_ _0\"></span>fault or<span class=\"_ _0\"></span> delinque<span class=\"_ _0\"></span>ncy in paym<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>ndicators that the e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span> is cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>mpair<span class=\"_ _0\"></span>ed. For<span class=\"_ _0\"></span> trade and ot<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span> rece<span class=\"_ _0\"></span>ivables t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up applie<span class=\"_ _0\"></span>s the sim<span class=\"_ _0\"></span>plifi<span class=\"_ _0\"></span>ed approach pe<span class=\"_ _0\"></span>rmitte<span class=\"_ _0\"></span>d by the <span class=\"_ _0\"></span>prov<span class=\"ls6 ws1f\">isions of IFRS 9 which requ<span class=\"_ _1\"></span>ires expected lifetim<span class=\"_ _1\"></span>e losses to b<span class=\"_ _1\"></span>e recognised </span>from initial recogn<span class=\"_ _1\"></span>ition of the receivab<span class=\"_ _1\"></span>les. Note 2.3.4 p<span class=\"_ _1\"></span>rovid<span class=\"_ _1\"></span>es more detail on h<span class=\"_ _1\"></span>ow lifetime losses<span class=\"_ _1\"></span> are measu<span class=\"_ _1\"></span>red. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _0\"></span> of the asse<span class=\"_ _0\"></span>t is re<span class=\"_ _0\"></span>duced throug<span class=\"_ _0\"></span>h the us<span class=\"_ _0\"></span>e of an a<span class=\"_ _0\"></span>llowance<span class=\"_ _0\"></span> account, and t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of the loss<span class=\"_ _1\"></span> is recognised in p<span class=\"_ _1\"></span>rofit or loss.  When a receivable is<span class=\"_ _1\"></span> uncollectible, it<span class=\"_ _1\"></span> is written off again<span class=\"_ _1\"></span>st the allowance ac<span class=\"_ _0\"></span>count for trade a<span class=\"_ _0\"></span>nd other rece<span class=\"_ _0\"></span>iv<span class=\"ls5 ws2a\">ables.<span class=\"_ _1\"></span>  Subsequen<span class=\"_ _1\"></span>t recov<span class=\"_ _1\"></span>eries o<span class=\"_ _1\"></span>f amoun<span class=\"_ _1\"></span>ts previou<span class=\"_ _1\"></span>sly wr<span class=\"_ _1\"></span>itten </span>off are cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ed in p<span class=\"_ _1\"></span>rofit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.4B<span class=\"ff5 ls1 ws1\"> <span class=\"_ _52\"> </span></span><span class=\"ls8 wsa\">Cash and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>valents<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>Cash and cash e<span class=\"_ _0\"></span>quivale<span class=\"_ _0\"></span>nts ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied in t<span class=\"_ _0\"></span>he stateme<span class=\"_ _0\"></span>nt of financ<span class=\"_ _0\"></span>ial positi<span class=\"_ _0\"></span>on at fac<span class=\"_ _0\"></span>e value<span class=\"_ _0\"></span> less expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d credit<span class=\"_ _0\"></span> loss allow<span class=\"_ _0\"></span>ance.<span class=\"_ _0\"></span> Cash and cash e<span class=\"_ _0\"></span>quivalents c<span class=\"_ _0\"></span>omprise<span class=\"_ _0\"></span> bala<span class=\"_ _0\"></span>nces wi<span class=\"_ _0\"></span>th less than t<span class=\"_ _0\"></span>hree m<span class=\"_ _0\"></span>onths\u2019 matur<span class=\"_ _0\"></span>ity from the date of acq<span class=\"_ _1\"></span>uisition, includ<span class=\"_ _1\"></span>ing cash i<span class=\"ls8 ws2d\">n hand, de<span class=\"_ _0\"></span>posits he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t call<span class=\"_ _0\"></span> with ba<span class=\"_ _0\"></span>nks<span class=\"_ _0\"></span> and <span class=\"_ _0\"></span>other short<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span></span>highly liq<span class=\"_ _1\"></span>uid inves<span class=\"_ _1\"></span>tments with original ma<span class=\"_ _1\"></span>turities of th<span class=\"_ _1\"></span>ree month<span class=\"_ _1\"></span>s or less<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.11<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _9e\"> </span></span></span><span class=\"ws7\">Financial lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>1.11.1<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws7\">Initial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement <span class=\"ls1 ws1\"> </span></span></span></span>The Group recognis<span class=\"_ _1\"></span>es a financia<span class=\"_ _1\"></span>l liability on its<span class=\"_ _1\"></span> statement of financia<span class=\"_ _1\"></span>l position when it<span class=\"_ _1\"></span> becomes a party<span class=\"_ _1\"></span> to the contra<span class=\"_ _1\"></span>ctual prov<span class=\"_ _1\"></span>isions of the in<span class=\"_ _1\"></span>strument. Fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ties not<span class=\"_ _1\"></span> at fair value th<span class=\"_ _1\"></span>rough profit or lo<span class=\"_ _1\"></span>ss are recognised in<span class=\"_ _1\"></span>itially at<span class=\"_ _1\"></span> fair valu<span class=\"_ _1\"></span>e, being th<span class=\"_ _1\"></span>e fair va<span class=\"_ _1\"></span>lue of cons<span class=\"_ _1\"></span>ideration rec<span class=\"_ _1\"></span>eived, net o<span class=\"_ _1\"></span>f transa<span class=\"_ _1\"></span>ction costs<span class=\"_ _1\"></span> that are directly at<span class=\"_ _1\"></span>tributab<span class=\"_ _1\"></span>le to the acquis<span class=\"_ _1\"></span>ition or th<span class=\"_ _1\"></span>e issue of the financia<span class=\"_ _1\"></span>l liability.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.11.2<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls8 wsa\">Cl<span class=\"_ _0\"></span>assifica<span class=\"_ _0\"></span>tion and subse<span class=\"_ _0\"></span>quent <span class=\"_ _0\"></span>measur<span class=\"_ _0\"></span>ement <span class=\"ls1 ws1\"> </span></span></span></span>Financial lia<span class=\"_ _1\"></span>bilities are clas<span class=\"_ _1\"></span>sified as<span class=\"_ _1\"></span> subsequen<span class=\"_ _1\"></span>tly measured a<span class=\"_ _1\"></span>t amortised cos<span class=\"_ _1\"></span>t, except for:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws12\">financial lia<span class=\"_ _1\"></span>bilities at fair valu<span class=\"_ _1\"></span>e through profit o<span class=\"_ _1\"></span>r loss: this classification is ap<span class=\"_ _1\"></span>plied to derivatives,<span class=\"_ _1\"></span> financial </span></span>liabilities h<span class=\"_ _1\"></span>eld for tradin<span class=\"_ _1\"></span>g (e.g. s<span class=\"_ _1\"></span>hort pos<span class=\"_ _1\"></span>itions in the t<span class=\"_ _1\"></span>rading bookin<span class=\"_ _1\"></span>g) and other fin<span class=\"_ _1\"></span>ancial liabil<span class=\"_ _1\"></span>ities designated<span class=\"_ _1\"></span> as such<span class=\"_ _1\"></span> at initial recognitio<span class=\"_ _1\"></span>n; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">financial gu<span class=\"_ _1\"></span>arantee contra<span class=\"_ _1\"></span>cts and lo<span class=\"_ _1\"></span>an commitments.<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>Financial lia<span class=\"_ _1\"></span>bilities <span class=\"_ _1\"></span>measured a<span class=\"_ _1\"></span>t amortised co<span class=\"_ _1\"></span>st comprise <span class=\"_ _1\"></span>principa<span class=\"_ _1\"></span>lly amounts<span class=\"_ _1\"></span> owed to ban<span class=\"_ _1\"></span>ks, amoun<span class=\"_ _1\"></span>ts owed to cus<span class=\"_ _1\"></span>tomers, and o<span class=\"_ _1\"></span>ther liabilities<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.11.3<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws8\">Derecognition<span class=\"ls1 ws1\"> </span></span></span></span>The Group derecogni<span class=\"_ _1\"></span>ses a fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ty from its st<span class=\"_ _1\"></span>atement of financial pos<span class=\"_ _1\"></span>ition when th<span class=\"_ _1\"></span>e obligation specified in th<span class=\"_ _1\"></span>e contract or a<span class=\"_ _1\"></span>rrangement is dis<span class=\"_ _1\"></span>charged, is<span class=\"_ _1\"></span> cancelled or expir<span class=\"_ _1\"></span>es.<span class=\"ls1 ws1\"> </span>1.11A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _1\"></span></span><span class=\"ls8 wsa\">Trade and othe<span class=\"_ _0\"></span>r payable<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span>Trade<span class=\"_ _0\"></span> payables co<span class=\"_ _0\"></span>mprise<span class=\"_ _0\"></span> obligati<span class=\"_ _0\"></span>ons to pay f<span class=\"_ _0\"></span>or good<span class=\"_ _0\"></span>s or se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span>s that ha<span class=\"_ _0\"></span>ve bee<span class=\"_ _0\"></span>n acquire<span class=\"_ _0\"></span>d in the or<span class=\"_ _0\"></span>dinary<span class=\"_ _0\"></span> course of<span class=\"_ _0\"></span> business fr<span class=\"_ _0\"></span>om supplie<span class=\"_ _0\"></span>rs.  Acc<span class=\"_ _0\"></span>ounts payable<span class=\"_ _0\"></span> are classifie<span class=\"_ _0\"></span>d as curre<span class=\"_ _0\"></span>nt liabi<span class=\"_ _0\"></span>litie<span class=\"_ _0\"></span>s if payment is due within<span class=\"_ _1\"></span> one y<span class=\"_ _1\"></span>ear or less<span class=\"_ _1\"></span> (or in the n<span class=\"_ _1\"></span>ormal <span class=\"ls8 ws18\">operating cyc<span class=\"_ _0\"></span>le of<span class=\"_ _0\"></span> the busi<span class=\"_ _0\"></span>ness i<span class=\"_ _0\"></span>f longe<span class=\"_ _0\"></span>r).  I<span class=\"_ _0\"></span>f not<span class=\"_ _0\"></span>, the<span class=\"_ _0\"></span>y are pre<span class=\"_ _0\"></span>sented </span>as non<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">current l<span class=\"_ _0\"></span>iabili<span class=\"_ _0\"></span>ties. T<span class=\"_ _0\"></span>rade<span class=\"_ _0\"></span> and other<span class=\"_ _0\"></span> payable<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> rec<span class=\"_ _0\"></span>ognised i<span class=\"_ _0\"></span>nitiall<span class=\"_ _0\"></span>y at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> an<span class=\"_ _0\"></span>d subseque<span class=\"_ _0\"></span>ntly </span></span>measu<span class=\"_ _1\"></span>red at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t usi<span class=\"_ _1\"></span>ng the effe<span class=\"_ _1\"></span>ctiv<span class=\"_ _1\"></span>e interes<span class=\"_ _1\"></span>t met<span class=\"_ _1\"></span>hod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.12 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Offsetting finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span></span>Financia<span class=\"_ _0\"></span>l assets an<span class=\"_ _0\"></span>d liabil<span class=\"_ _0\"></span>ities ar<span class=\"_ _0\"></span>e off<span class=\"_ _0\"></span>set and the<span class=\"_ _0\"></span> net am<span class=\"_ _0\"></span>ount repor<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> consolidat<span class=\"_ _11\"></span>ed statement of<span class=\"_ _0\"></span> finan<span class=\"_ _1\"></span>cial po<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n when<span class=\"_ _1\"></span> there is a<span class=\"_ _1\"></span> legally en<span class=\"_ _1\"></span>forceab<span class=\"_ _1\"></span>le righ<span class=\"_ _1\"></span>t to offs<span class=\"_ _1\"></span>et the r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> and ther<span class=\"_ _1\"></span>e is an intention to settle on a <span class=\"_ _0\"></span>net basis or rea<span class=\"ls6 ws7\">lise the asset and settle the lia<span class=\"_ _1\"></span>bility simu<span class=\"_ _1\"></span>ltaneously<span class=\"_ _1\"></span>. </span><span class=\"ls1\"> </span>The Group has ag<span class=\"_ _0\"></span>reem<span class=\"_ _0\"></span>ents in place<span class=\"_ _0\"></span> with thir<span class=\"_ _0\"></span>d parties to co<span class=\"_ _0\"></span>llec<span class=\"_ _0\"></span>t, through the<span class=\"_ _0\"></span> Group\u2019s outle<span class=\"_ _0\"></span>t netw<span class=\"_ _0\"></span>ork, amounts due t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span>se third p<span class=\"_ _0\"></span>artie<span class=\"_ _0\"></span>s owed by t<span class=\"_ _0\"></span>heir c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s. Any amount<span class=\"_ _0\"></span>s coll<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d in respe<span class=\"_ _0\"></span>ct of t<span class=\"_ _0\"></span>hese agree<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>re retain<span class=\"_ _1\"></span>ed by<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p un<span class=\"_ _1\"></span>til set<span class=\"_ _1\"></span>tlement<span class=\"ls1 ws1\"> <span class=\"ls6 ws12\">with the respecti<span class=\"_ _1\"></span>ve third pa<span class=\"_ _1\"></span>rties, during which<span class=\"_ _1\"></span> time </span></span>the Gr<span class=\"_ _0\"></span>oup is expose<span class=\"_ _0\"></span>d to the risks and rew<span class=\"_ _0\"></span>ards em<span class=\"_ _0\"></span>anating f<span class=\"_ _0\"></span>rom the amounts c<span class=\"_ _0\"></span>ollec<span class=\"_ _0\"></span>ted. Such amounts ar<span class=\"_ _0\"></span>e there<span class=\"_ _0\"></span>fore pre<span class=\"_ _0\"></span>sented withi<span class=\"_ _0\"></span>n assets wi<span class=\"_ _0\"></span>th a corre<span class=\"_ _0\"></span>sponding li<span class=\"_ _0\"></span>ability t<span class=\"_ _0\"></span>owards the<span class=\"_ _0\"></span> third part<span class=\"_ _0\"></span>y pre<span class=\"_ _0\"></span>sented w<span class=\"_ _0\"></span>i<span class=\"ws16\">thin </span>trade and othe<span class=\"_ _0\"></span>r paya<span class=\"_ _0\"></span>bles.<span class=\"ls1 ws1\"> </span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs13a\">1.19<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Financial gu<span class=\"_ _1\"></span>arantee contr<span class=\"_ _1\"></span>acts and<span class=\"_ _1\"></span> loan commitments<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws124 gs13b\">Financia<span class=\"_ _0\"></span>l guarante<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>racts are<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>ts that<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span> the issue<span class=\"_ _0\"></span>r to<span class=\"_ _0\"></span> make spe<span class=\"_ _0\"></span>cifie<span class=\"_ _0\"></span>d payments t<span class=\"_ _0\"></span>o </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs13c\">reim<span class=\"_ _0\"></span>burse the<span class=\"_ _0\"></span> holder for a<span class=\"_ _0\"></span> loss it incurs bec<span class=\"_ _0\"></span>ause a spec<span class=\"_ _0\"></span>ifie<span class=\"_ _0\"></span>d debtor<span class=\"_ _0\"></span> fails to m<span class=\"_ _0\"></span>ake paym<span class=\"_ _0\"></span>ents when due<span class=\"_ _0\"></span>, in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs13d\">accordanc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the te<span class=\"_ _0\"></span>rms of a debt<span class=\"_ _0\"></span> instrum<span class=\"_ _0\"></span>ent. S<span class=\"_ _0\"></span>uch <span class=\"ls6 ws39\">financial guaran<span class=\"_ _1\"></span>tees are given to b<span class=\"_ _1\"></span>anks, finan<span class=\"_ _1\"></span>cial </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs13e\">institutions<span class=\"_ _0\"></span> and ot<span class=\"_ _0\"></span>her bodie<span class=\"_ _0\"></span>s on be<span class=\"_ _0\"></span>half of<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs.<span class=\"_ _bc\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs13f\">In the ordi<span class=\"_ _0\"></span>nary course<span class=\"_ _0\"></span> of busi<span class=\"_ _0\"></span>ness, the B<span class=\"_ _0\"></span>ank issues f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al guar<span class=\"_ _0\"></span>antee c<span class=\"_ _0\"></span>ontract<span class=\"_ _0\"></span>s, consisting o<span class=\"_ _0\"></span>f let<span class=\"_ _0\"></span>ters of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs140\">credit<span class=\"_ _0\"></span>, guarante<span class=\"_ _0\"></span>es and acc<span class=\"_ _0\"></span>eptance<span class=\"_ _0\"></span>s.  <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs141\">Financia<span class=\"_ _0\"></span>l guarante<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>racts are<span class=\"_ _0\"></span> initia<span class=\"_ _0\"></span>lly me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easur<span class=\"_ _0\"></span>ed at hig<span class=\"_ _0\"></span>her<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">of:</span> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs142\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">the amount<span class=\"_ _1\"></span> of the loss a<span class=\"_ _1\"></span>llowance (calculated<span class=\"_ _1\"></span> as describ<span class=\"_ _1\"></span>ed in no<span class=\"_ _1\"></span>te 1.4.3); and</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs143\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws52\">the premiu<span class=\"_ _1\"></span>m received on in<span class=\"_ _1\"></span>itial recogn<span class=\"_ _1\"></span>ition l<span class=\"_ _1\"></span>ess income rec<span class=\"_ _1\"></span>ognised in<span class=\"_ _1\"></span> accordan<span class=\"_ _1\"></span>ce with the prin<span class=\"_ _1\"></span>ciples of<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs144\">IFRS 15.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws80 gs145\">'Loan<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s' are th<span class=\"_ _1\"></span>e B<span class=\"_ _1\"></span>ank\u2019<span class=\"_ _1\"></span>s commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> to pr<span class=\"_ _1\"></span>ovi<span class=\"_ _1\"></span>de credi<span class=\"_ _1\"></span>t und<span class=\"_ _1\"></span>er pre<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>speci<span class=\"_ _1\"></span>fied ter<span class=\"_ _1\"></span>ms an<span class=\"_ _1\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs146\">conditions, a<span class=\"_ _0\"></span>nd are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d at the a<span class=\"_ _0\"></span>mount of<span class=\"_ _0\"></span> the loss all<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>ance (c<span class=\"_ _0\"></span>alculate<span class=\"_ _0\"></span>d as describe<span class=\"_ _0\"></span>d in note<span class=\"_ _0\"></span> 1.4.3<span class=\"_ _0\"></span>).<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs147\">For loan commitment<span class=\"_ _1\"></span>s and financia<span class=\"_ _1\"></span>l guarantee con<span class=\"_ _1\"></span>tracts, the loss allowance is<span class=\"_ _1\"></span> recognised as a prov<span class=\"_ _1\"></span>ision. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws7a gs148\">Howeve<span class=\"_ _0\"></span>r, for<span class=\"_ _0\"></span> contract<span class=\"_ _0\"></span>s that include<span class=\"_ _0\"></span> both a loan a<span class=\"_ _0\"></span>nd an <span class=\"_ _0\"></span>undrawn co<span class=\"_ _0\"></span>mmitme<span class=\"_ _0\"></span>nt and the B<span class=\"_ _0\"></span>ank cannot </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs149\">separate<span class=\"_ _0\"></span>ly identi<span class=\"_ _0\"></span>fy the e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted cr<span class=\"_ _0\"></span>edit losse<span class=\"_ _0\"></span>s on the<span class=\"_ _0\"></span> und<span class=\"ls5 ws22\">rawn commit<span class=\"_ _1\"></span>ment c<span class=\"_ _1\"></span>ompon<span class=\"_ _1\"></span>ent fr<span class=\"_ _1\"></span>om that<span class=\"_ _1\"></span> on the </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs14a\">loan com<span class=\"_ _0\"></span>ponent, the<span class=\"_ _0\"></span> expected c<span class=\"_ _0\"></span>redit l<span class=\"_ _0\"></span>osses on the undr<span class=\"_ _0\"></span>awn commi<span class=\"_ _0\"></span>tment are<span class=\"_ _0\"></span> recogni<span class=\"_ _0\"></span>sed togethe<span class=\"_ _0\"></span>r with </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs14b\">the lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e for the lo<span class=\"_ _1\"></span>an. To th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> that th<span class=\"_ _1\"></span>e combin<span class=\"_ _1\"></span>ed expect<span class=\"_ _1\"></span>ed credi<span class=\"_ _1\"></span>t loss<span class=\"_ _1\"></span>es exceed<span class=\"_ _1\"></span> the gro<span class=\"_ _1\"></span>ss </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs14c\">carrying a<span class=\"ls5 ws6\">mo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the lo<span class=\"_ _1\"></span>an, the ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>es are rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span> prov<span class=\"_ _1\"></span>ision<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-527": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.4<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span></span><span class=\"ws7\">Financia<span class=\"_ _1\"></span>l assets<span class=\"ls1 ws1\"> </span></span>1.4.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span><span class=\"ws7\">In<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement<span class=\"ls1 ws1\"> </span></span>The Group r<span class=\"_ _0\"></span>ecognise<span class=\"_ _0\"></span>s a financial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nt in its state<span class=\"_ _0\"></span>ment of fi<span class=\"_ _0\"></span>nancial position w<span class=\"_ _0\"></span>hen it becom<span class=\"_ _0\"></span>es a party to the cont<span class=\"_ _0\"></span>ractual pr<span class=\"_ _0\"></span>ovision<span class=\"_ _0\"></span>s of t<span class=\"_ _0\"></span>he instrum<span class=\"_ _0\"></span>ent. Re<span class=\"_ _0\"></span>gular<span class=\"_ _0\"></span> way purchases and sal<span class=\"_ _0\"></span>es of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets are<span class=\"_ _11\"></span> recog<span class=\"_ _0\"></span>nised on the<span class=\"_ _0\"></span> trade dat<span class=\"_ _0\"></span>e, whi<span class=\"_ _0\"></span>ch is the dat<span class=\"_ _0\"></span>e on whi<span class=\"_ _0\"></span>ch the G<span class=\"_ _0\"></span>roup commi<span class=\"_ _0\"></span>ts to purchase<span class=\"_ _0\"></span> or sell<span class=\"_ _0\"></span> the asset.<span class=\"_ _11\"></span> Accordi<span class=\"_ _0\"></span>ngly, the<span class=\"_ _0\"></span> Group use<span class=\"_ _0\"></span>s trade date<span class=\"_ _0\"></span> account<span class=\"_ _0\"></span>ing for<span class=\"_ _0\"></span> regular w<span class=\"_ _0\"></span>ay contrac<span class=\"_ _0\"></span>ts when r<span class=\"_ _0\"></span>ecor<span class=\"_ _0\"></span>ding financi<span class=\"_ _0\"></span>al asset<span class=\"_ _0\"></span> transactions. <span class=\"ls1 ws1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, th<span class=\"_ _1\"></span>e Group measu<span class=\"_ _1\"></span>res a financia<span class=\"_ _1\"></span>l asset at i<span class=\"_ _1\"></span>ts fair valu<span class=\"_ _1\"></span>e plus or minu<span class=\"_ _1\"></span>s, in the case of a financial asset not at fai<span class=\"_ _0\"></span>r value through profit or l<span class=\"_ _0\"></span>oss, transaction costs that are incre<span class=\"_ _0\"></span>mental and directly<span class=\"_ _0\"></span> attributabl<span class=\"_ _0\"></span>e to the<span class=\"_ _0\"></span> acquisiti<span class=\"_ _0\"></span>on or <span class=\"ls6 ws39\">issue of the financial<span class=\"_ _1\"></span> asset, such<span class=\"_ _1\"></span> as fees and commis<span class=\"_ _1\"></span>sions. Trans<span class=\"_ _1\"></span>action </span>costs of financial assets carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value through profi<span class=\"_ _0\"></span>t or loss are e<span class=\"_ _0\"></span>xpensed in profit <span class=\"_ _0\"></span>or loss. <span class=\"ls1\"> </span>At initial recogn<span class=\"_ _1\"></span>ition, an<span class=\"_ _1\"></span> Expected Credit Lo<span class=\"_ _1\"></span>ss allowan<span class=\"_ _1\"></span>ce (\u2018ECL\u2019) is<span class=\"_ _1\"></span> recognised for <span class=\"_ _1\"></span>financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> measured at amorti<span class=\"_ _0\"></span>sed cost and i<span class=\"_ _0\"></span>nvest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in debt i<span class=\"_ _0\"></span>nstrument<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI, whi<span class=\"_ _0\"></span>ch results in an a<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ting<span class=\"_ _0\"></span> loss b<span class=\"_ _1\"></span>eing recognised in<span class=\"_ _1\"></span> profit or los<span class=\"_ _1\"></span>s wh<span class=\"ls8 wsa\">en an asse<span class=\"_ _0\"></span>t is ne<span class=\"_ _0\"></span>wly origi<span class=\"_ _0\"></span>nated.<span class=\"ls1 ws1\"> </span></span>When the fair v<span class=\"_ _1\"></span>alue of fina<span class=\"_ _1\"></span>ncial as<span class=\"_ _1\"></span>sets differs from<span class=\"_ _1\"></span> the tran<span class=\"_ _1\"></span>saction<span class=\"_ _1\"></span> price on init<span class=\"_ _1\"></span>ial recognit<span class=\"_ _1\"></span>ion, the Group<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ises t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e as foll<span class=\"_ _1\"></span>ows: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsb\">whe<span class=\"_ _0\"></span>n the fai<span class=\"_ _0\"></span>r value i<span class=\"_ _0\"></span>s evidence<span class=\"_ _0\"></span>d by a quoted pri<span class=\"_ _0\"></span>ce in an a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arket<span class=\"_ _0\"></span> for an identi<span class=\"_ _0\"></span>cal asset (i<span class=\"_ _0\"></span>.e. a </span></span>Level<span class=\"_ _0\"></span> 1 input) or<span class=\"_ _0\"></span> based on a valuat<span class=\"_ _0\"></span>ion tec<span class=\"_ _0\"></span>hnique that u<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span> only data fr<span class=\"_ _0\"></span>om obser<span class=\"_ _0\"></span>vable m<span class=\"_ _0\"></span>arkets, the<span class=\"_ _0\"></span> difference is reco<span class=\"_ _1\"></span>gnised a<span class=\"_ _1\"></span>s a gain or lo<span class=\"_ _1\"></span>ss; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws3b\">in all o<span class=\"_ _1\"></span>ther cas<span class=\"_ _1\"></span>es, t<span class=\"_ _1\"></span>he diff<span class=\"_ _1\"></span>erenc<span class=\"_ _1\"></span>e is def<span class=\"_ _1\"></span>erred an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e timin<span class=\"_ _1\"></span>g of r<span class=\"_ _1\"></span>ecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red da<span class=\"_ _1\"></span>y on<span class=\"_ _1\"></span>e profi<span class=\"_ _1\"></span>t </span></span>or loss is det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned indivi<span class=\"_ _0\"></span>dually. It i<span class=\"_ _0\"></span>s eithe<span class=\"_ _0\"></span>r amort<span class=\"_ _0\"></span>ised over the<span class=\"_ _0\"></span> life of<span class=\"_ _0\"></span> the instrume<span class=\"_ _0\"></span>nt, def<span class=\"_ _0\"></span>erred unti<span class=\"_ _0\"></span>l the in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ment's fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue can b<span class=\"_ _1\"></span>e determin<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws3a\">using market obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs, or<span class=\"_ _0\"></span> reali<span class=\"_ _0\"></span>sed through<span class=\"_ _0\"></span> </span></span>settl<span class=\"_ _1\"></span>ement.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.4.2<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span>Clas<span class=\"_ _1\"></span>sification<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws15\">and subsequent m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>ment <span class=\"ls1 ws1\"> </span></span></span>The Grou<span class=\"_ _1\"></span>p clas<span class=\"_ _1\"></span>sifies<span class=\"_ _1\"></span> its fin<span class=\"_ _1\"></span>anci<span class=\"_ _1\"></span>al as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> in the foll<span class=\"_ _1\"></span>owing m<span class=\"_ _1\"></span>eas<span class=\"_ _1\"></span>urement<span class=\"_ _1\"></span> categori<span class=\"_ _1\"></span>es:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 lsd ws44\">Fair </span><span class=\"ff1\">v<span class=\"ls6 ws7\">alue th<span class=\"_ _1\"></span>rough pro<span class=\"_ _1\"></span>fit or loss (\u2018FVPL\u2019);</span> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls8 wsa\">Fair<span class=\"_ _0\"></span> value thro<span class=\"_ _0\"></span>ugh other c<span class=\"_ _0\"></span>ompre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> (\u2018FVOC<span class=\"_ _0\"></span>I\u2019); or<span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws6\">Amortis<span class=\"_ _1\"></span>ed cost<span class=\"_ _1\"></span>.</span><span class=\"ff1\"> </span></span>1.4.2.1 <span class=\"ff5 lsb ws24\">Debt instruments<span class=\"_ _bc\"> </span></span><span class=\"ls1 ws1\"> </span>Debt in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> are thos<span class=\"_ _1\"></span>e instru<span class=\"_ _1\"></span>ments t<span class=\"_ _1\"></span>hat meet th<span class=\"_ _1\"></span>e definit<span class=\"_ _1\"></span>ion of a<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial lia<span class=\"_ _1\"></span>bilit<span class=\"_ _1\"></span>y from the iss<span class=\"_ _1\"></span>uer's perspec<span class=\"_ _0\"></span>tive, such a<span class=\"_ _0\"></span>s loans, g<span class=\"_ _0\"></span>overnm<span class=\"_ _0\"></span>ent and cor<span class=\"_ _0\"></span>porate bonds and t<span class=\"_ _0\"></span>rade re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vables purcha<span class=\"_ _0\"></span>sed from<span class=\"_ _0\"></span> clients<span class=\"_ _0\"></span> in factoring a<span class=\"_ _1\"></span>rrangements<span class=\"_ _1\"></span> without recou<span class=\"_ _1\"></span>rse.<span class=\"ls1 ws1\"> </span>Classif<span class=\"_ _0\"></span>ication a<span class=\"_ _0\"></span>nd subseque<span class=\"_ _0\"></span>nt m<span class=\"_ _0\"></span>easureme<span class=\"_ _0\"></span>nt of de<span class=\"_ _0\"></span>bt instrume<span class=\"_ _0\"></span>nts depe<span class=\"_ _0\"></span>nd on: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws7\">the <span class=\"ls8 wsa\">Group's busine<span class=\"_ _0\"></span>ss model f<span class=\"_ _0\"></span>or mana<span class=\"_ _0\"></span>ging the<span class=\"_ _0\"></span> asset; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff1 ls5 ws6\">the cas<span class=\"_ _1\"></span>h</span><span class=\"ff1\"> <span class=\"ls5 ws6\">flow ch<span class=\"_ _1\"></span>aract<span class=\"_ _1\"></span>eristic<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span></span></span></span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws117 gs4e\">Based on the<span class=\"_ _0\"></span>se factor<span class=\"_ _0\"></span>s the Group cl<span class=\"_ _0\"></span>assifie<span class=\"_ _0\"></span>s its debt instrument<span class=\"_ _0\"></span>s into one of<span class=\"_ _0\"></span> the follo<span class=\"_ _0\"></span>wing three </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4f\">measu<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span> categor<span class=\"_ _1\"></span>ies:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs51\">\u2022<span class=\"ff9\"> <span class=\"_ _65\"> </span><span class=\"ff5 lsb ws48\">Fair<span class=\"_ _0\"></span> value through pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss (\u2018FVP<span class=\"_ _0\"></span>L\u2019):<span class=\"ff1 ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls5 ws35\">Ass<span class=\"_ _1\"></span>ets th<span class=\"_ _1\"></span>at do<span class=\"_ _1\"></span> not meet the cri<span class=\"_ _1\"></span>teria<span class=\"_ _1\"></span> for amor<span class=\"_ _1\"></span>tis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t or </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws54 gs52\">FVOCI are<span class=\"_ _0\"></span> measured at fair value thr<span class=\"_ _0\"></span>ough profit or lo<span class=\"_ _0\"></span>ss. A gain or los<span class=\"_ _0\"></span>s on a financi<span class=\"_ _0\"></span>al assets that i<span class=\"_ _11\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs53\">subsequently<span class=\"_ _0\"></span> me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span> value thr<span class=\"_ _0\"></span>ough pro<span class=\"_ _0\"></span>fit or<span class=\"_ _0\"></span> los<span class=\"_ _0\"></span>s is <span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gnised in pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss a<span class=\"_ _0\"></span>nd<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws7\">pres<span class=\"_ _1\"></span>ented<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs54\">in the income s<span class=\"_ _1\"></span>tatement with<span class=\"_ _1\"></span>in \u2018Net trad<span class=\"_ _1\"></span>ing income\u2019 in th<span class=\"_ _1\"></span>e period in which it aris<span class=\"_ _1\"></span>es, unless it aris<span class=\"_ _1\"></span>es </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs55\">from as<span class=\"_ _1\"></span>sets t<span class=\"_ _1\"></span>hat wer<span class=\"_ _1\"></span>e design<span class=\"_ _1\"></span>ated a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue or<span class=\"_ _1\"></span> which a<span class=\"_ _1\"></span>re not hel<span class=\"_ _1\"></span>d for tr<span class=\"_ _1\"></span>ading<span class=\"_ _1\"></span>, in which<span class=\"_ _1\"></span> case it<span class=\"_ _1\"></span> <span class=\"ls16 ws6f\">is </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs56\">presen<span class=\"_ _1\"></span>ted s<span class=\"_ _1\"></span>eparat<span class=\"_ _1\"></span>ely in \u2018<span class=\"_ _1\"></span>Net in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>t inco<span class=\"_ _1\"></span>me\u2019. Int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t in<span class=\"_ _1\"></span>come fro<span class=\"_ _1\"></span>m these <span class=\"_ _1\"></span>finan<span class=\"_ _1\"></span>cia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs57\">inclu<span class=\"_ _1\"></span>ded in<span class=\"_ _1\"></span> \u2018Inter<span class=\"_ _1\"></span>est in<span class=\"_ _1\"></span>come\u2019 us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e effectiv<span class=\"_ _1\"></span>e inter<span class=\"_ _1\"></span>est.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs64\">1.4.2.2 Equ<span class=\"_ _1\"></span>ity instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs65\">Equ<span class=\"_ _1\"></span>ity ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>s are ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t meet the d<span class=\"_ _1\"></span>efiniti<span class=\"_ _1\"></span>on of eq<span class=\"_ _1\"></span>uity fro<span class=\"_ _1\"></span>m the issu<span class=\"_ _1\"></span>er's pers<span class=\"_ _1\"></span>pectiv<span class=\"_ _1\"></span>e, tha<span class=\"_ _1\"></span>t </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs66\">is, instr<span class=\"_ _0\"></span>uments tha<span class=\"_ _0\"></span>t do not<span class=\"_ _0\"></span> contai<span class=\"_ _0\"></span>n a contrac<span class=\"_ _0\"></span>tual o<span class=\"_ _0\"></span>bligati<span class=\"_ _0\"></span>on to pay a<span class=\"_ _0\"></span>nd tha<span class=\"_ _0\"></span>t evide<span class=\"_ _0\"></span>nce a re<span class=\"_ _0\"></span>sidual inte<span class=\"_ _0\"></span>rest i<span class=\"_ _11\"></span>n </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs67\">the is<span class=\"_ _1\"></span>suer's<span class=\"_ _1\"></span> net as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>. Exampl<span class=\"_ _1\"></span>es of equ<span class=\"_ _1\"></span>i<span class=\"ls8 wsa\">ty instrume<span class=\"_ _0\"></span>nts inclu<span class=\"_ _0\"></span>de basic<span class=\"_ _0\"></span> ordinary <span class=\"_ _0\"></span>shares.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs68\">The G<span class=\"_ _0\"></span>roup subsequent<span class=\"_ _0\"></span>ly mea<span class=\"_ _0\"></span>sures all e<span class=\"_ _0\"></span>quity<span class=\"_ _0\"></span> investm<span class=\"_ _0\"></span>ents at<span class=\"_ _0\"></span> fair val<span class=\"_ _0\"></span>ue throug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it or l<span class=\"_ _0\"></span>oss, exc<span class=\"_ _0\"></span>ept w<span class=\"_ _0\"></span>here </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs69\">the Gro<span class=\"_ _1\"></span>up's ma<span class=\"_ _1\"></span>nagemen<span class=\"_ _1\"></span>t has<span class=\"_ _1\"></span> elected,<span class=\"_ _1\"></span> at ini<span class=\"_ _1\"></span>tial reco<span class=\"_ _1\"></span>gnitio<span class=\"_ _1\"></span>n, to ir<span class=\"_ _1\"></span>revoca<span class=\"_ _1\"></span>bly des<span class=\"_ _1\"></span>igna<span class=\"_ _1\"></span>te an equity<span class=\"_ _1\"></span> inves<span class=\"_ _1\"></span>tment </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs6a\">at fair<span class=\"_ _0\"></span> value throug<span class=\"_ _0\"></span>h other c<span class=\"_ _0\"></span>ompre<span class=\"_ _0\"></span>hensive i<span class=\"_ _0\"></span>ncome. The<span class=\"_ _0\"></span> Group's poli<span class=\"_ _0\"></span>cy is to desi<span class=\"_ _0\"></span>gnate e<span class=\"_ _0\"></span>quity inve<span class=\"_ _0\"></span>stments </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs6b\">as FVO<span class=\"_ _1\"></span>CI when t<span class=\"_ _1\"></span>hose i<span class=\"_ _1\"></span>nvest<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> are held<span class=\"_ _1\"></span> for pu<span class=\"_ _1\"></span>rposes o<span class=\"_ _1\"></span>ther tha<span class=\"_ _1\"></span>n to gen<span class=\"_ _1\"></span>erate in<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>ment retu<span class=\"_ _1\"></span>rns.<span class=\"_ _1\"></span> When </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs6c\">this election<span class=\"_ _1\"></span> is used, fair va<span class=\"_ _1\"></span>lue gains and losses a<span class=\"_ _1\"></span>re recognised in OCI and<span class=\"_ _1\"></span> are not subsequently recla<span class=\"_ _1\"></span>ssified </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6d\">to profit or<span class=\"_ _1\"></span> loss, includ<span class=\"_ _1\"></span>ing on dispo<span class=\"_ _1\"></span>sal. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs6e\">Impair<span class=\"_ _1\"></span>ment los<span class=\"_ _1\"></span>ses (<span class=\"_ _1\"></span>and rev<span class=\"_ _1\"></span>ersa<span class=\"_ _1\"></span>l of impai<span class=\"_ _1\"></span>rment lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span>) are not r<span class=\"_ _1\"></span>eported<span class=\"_ _1\"></span> sepa<span class=\"_ _1\"></span>rately fr<span class=\"_ _1\"></span>om oth<span class=\"_ _1\"></span>er chan<span class=\"_ _1\"></span>ges in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs6f\">fair val<span class=\"_ _0\"></span>ue. Di<span class=\"_ _0\"></span>vidends, whe<span class=\"_ _0\"></span>n representing<span class=\"_ _0\"></span> a retur<span class=\"_ _0\"></span>n on such investme<span class=\"_ _0\"></span>nts, continue<span class=\"_ _0\"></span> to be recogni<span class=\"_ _0\"></span>sed in prof<span class=\"_ _0\"></span>it </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs70\">or loss as di<span class=\"_ _0\"></span>vidend inc<span class=\"_ _0\"></span>ome w<span class=\"_ _0\"></span>hen the<span class=\"_ _0\"></span> Group'<span class=\"_ _0\"></span>s r<span class=\"ls5 ws6\">ight t<span class=\"_ _1\"></span>o receiv<span class=\"_ _1\"></span>e pay<span class=\"_ _1\"></span>ment is<span class=\"_ _1\"></span> estab<span class=\"_ _1\"></span>lished<span class=\"_ _1\"></span>. </span><span class=\"ls5 ws6\"><span class=\"ls1 ws1\"> </span></span></div>1.11<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _9e\"> </span></span></span><span class=\"ws7\">Financial lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>1.11.1<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws7\">Initial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement <span class=\"ls1 ws1\"> </span></span></span></span>The Group recognis<span class=\"_ _1\"></span>es a financia<span class=\"_ _1\"></span>l liability on its<span class=\"_ _1\"></span> statement of financia<span class=\"_ _1\"></span>l position when it<span class=\"_ _1\"></span> becomes a party<span class=\"_ _1\"></span> to the contra<span class=\"_ _1\"></span>ctual prov<span class=\"_ _1\"></span>isions of the in<span class=\"_ _1\"></span>strument. Fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ties not<span class=\"_ _1\"></span> at fair value th<span class=\"_ _1\"></span>rough profit or lo<span class=\"_ _1\"></span>ss are recognised in<span class=\"_ _1\"></span>itially at<span class=\"_ _1\"></span> fair valu<span class=\"_ _1\"></span>e, being th<span class=\"_ _1\"></span>e fair va<span class=\"_ _1\"></span>lue of cons<span class=\"_ _1\"></span>ideration rec<span class=\"_ _1\"></span>eived, net o<span class=\"_ _1\"></span>f transa<span class=\"_ _1\"></span>ction costs<span class=\"_ _1\"></span> that are directly at<span class=\"_ _1\"></span>tributab<span class=\"_ _1\"></span>le to the acquis<span class=\"_ _1\"></span>ition or th<span class=\"_ _1\"></span>e issue of the financia<span class=\"_ _1\"></span>l liability.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.11.2<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls8 wsa\">Cl<span class=\"_ _0\"></span>assifica<span class=\"_ _0\"></span>tion and subse<span class=\"_ _0\"></span>quent <span class=\"_ _0\"></span>measur<span class=\"_ _0\"></span>ement <span class=\"ls1 ws1\"> </span></span></span></span>Financial lia<span class=\"_ _1\"></span>bilities are clas<span class=\"_ _1\"></span>sified as<span class=\"_ _1\"></span> subsequen<span class=\"_ _1\"></span>tly measured a<span class=\"_ _1\"></span>t amortised cos<span class=\"_ _1\"></span>t, except for:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws12\">financial lia<span class=\"_ _1\"></span>bilities at fair valu<span class=\"_ _1\"></span>e through profit o<span class=\"_ _1\"></span>r loss: this classification is ap<span class=\"_ _1\"></span>plied to derivatives,<span class=\"_ _1\"></span> financial </span></span>liabilities h<span class=\"_ _1\"></span>eld for tradin<span class=\"_ _1\"></span>g (e.g. s<span class=\"_ _1\"></span>hort pos<span class=\"_ _1\"></span>itions in the t<span class=\"_ _1\"></span>rading bookin<span class=\"_ _1\"></span>g) and other fin<span class=\"_ _1\"></span>ancial liabil<span class=\"_ _1\"></span>ities designated<span class=\"_ _1\"></span> as such<span class=\"_ _1\"></span> at initial recognitio<span class=\"_ _1\"></span>n; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">financial gu<span class=\"_ _1\"></span>arantee contra<span class=\"_ _1\"></span>cts and lo<span class=\"_ _1\"></span>an commitments.<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>Financial lia<span class=\"_ _1\"></span>bilities <span class=\"_ _1\"></span>measured a<span class=\"_ _1\"></span>t amortised co<span class=\"_ _1\"></span>st comprise <span class=\"_ _1\"></span>principa<span class=\"_ _1\"></span>lly amounts<span class=\"_ _1\"></span> owed to ban<span class=\"_ _1\"></span>ks, amoun<span class=\"_ _1\"></span>ts owed to cus<span class=\"_ _1\"></span>tomers, and o<span class=\"_ _1\"></span>ther liabilities<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.11.3<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws8\">Derecognition<span class=\"ls1 ws1\"> </span></span></span></span>The Group derecogni<span class=\"_ _1\"></span>ses a fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ty from its st<span class=\"_ _1\"></span>atement of financial pos<span class=\"_ _1\"></span>ition when th<span class=\"_ _1\"></span>e obligation specified in th<span class=\"_ _1\"></span>e contract or a<span class=\"_ _1\"></span>rrangement is dis<span class=\"_ _1\"></span>charged, is<span class=\"_ _1\"></span> cancelled or expir<span class=\"_ _1\"></span>es.<span class=\"ls1 ws1\"> </span>1.11A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _1\"></span></span><span class=\"ls8 wsa\">Trade and othe<span class=\"_ _0\"></span>r payable<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span>Trade<span class=\"_ _0\"></span> payables co<span class=\"_ _0\"></span>mprise<span class=\"_ _0\"></span> obligati<span class=\"_ _0\"></span>ons to pay f<span class=\"_ _0\"></span>or good<span class=\"_ _0\"></span>s or se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span>s that ha<span class=\"_ _0\"></span>ve bee<span class=\"_ _0\"></span>n acquire<span class=\"_ _0\"></span>d in the or<span class=\"_ _0\"></span>dinary<span class=\"_ _0\"></span> course of<span class=\"_ _0\"></span> business fr<span class=\"_ _0\"></span>om supplie<span class=\"_ _0\"></span>rs.  Acc<span class=\"_ _0\"></span>ounts payable<span class=\"_ _0\"></span> are classifie<span class=\"_ _0\"></span>d as curre<span class=\"_ _0\"></span>nt liabi<span class=\"_ _0\"></span>litie<span class=\"_ _0\"></span>s if payment is due within<span class=\"_ _1\"></span> one y<span class=\"_ _1\"></span>ear or less<span class=\"_ _1\"></span> (or in the n<span class=\"_ _1\"></span>ormal <span class=\"ls8 ws18\">operating cyc<span class=\"_ _0\"></span>le of<span class=\"_ _0\"></span> the busi<span class=\"_ _0\"></span>ness i<span class=\"_ _0\"></span>f longe<span class=\"_ _0\"></span>r).  I<span class=\"_ _0\"></span>f not<span class=\"_ _0\"></span>, the<span class=\"_ _0\"></span>y are pre<span class=\"_ _0\"></span>sented </span>as non<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">current l<span class=\"_ _0\"></span>iabili<span class=\"_ _0\"></span>ties. T<span class=\"_ _0\"></span>rade<span class=\"_ _0\"></span> and other<span class=\"_ _0\"></span> payable<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> rec<span class=\"_ _0\"></span>ognised i<span class=\"_ _0\"></span>nitiall<span class=\"_ _0\"></span>y at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> an<span class=\"_ _0\"></span>d subseque<span class=\"_ _0\"></span>ntly </span></span>measu<span class=\"_ _1\"></span>red at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t usi<span class=\"_ _1\"></span>ng the effe<span class=\"_ _1\"></span>ctiv<span class=\"_ _1\"></span>e interes<span class=\"_ _1\"></span>t met<span class=\"_ _1\"></span>hod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t <span class=\"ff5 fs1 lsb ws2c\">(continued)</span></span><span class=\"ff1 fs1\"> </span></span>2.8<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Fair values o<span class=\"_ _1\"></span>f financial ass<span class=\"_ _1\"></span>ets and liabili<span class=\"_ _1\"></span>ties<span class=\"ls1 ws1\"> </span></span>2.8.1<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts measur<span class=\"_ _0\"></span>ed at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The G<span class=\"_ _0\"></span>roup\u2019s fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>ruments w<span class=\"_ _0\"></span>hich ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> include<span class=\"_ _0\"></span> the G<span class=\"_ _0\"></span>roup\u2019s de<span class=\"_ _0\"></span>bt securi<span class=\"_ _0\"></span>ties and<span class=\"_ _0\"></span> equity instr<span class=\"_ _0\"></span>uments m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at FVOC<span class=\"_ _0\"></span>I (note 6)<span class=\"_ _0\"></span>.  The Group i<span class=\"_ _0\"></span>s require<span class=\"_ _0\"></span>d to disclo<span class=\"_ _0\"></span>se fair<span class=\"_ _0\"></span> value me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nts by lev<span class=\"_ _1\"></span>el of th<span class=\"_ _1\"></span>e fol<span class=\"_ _1\"></span>lowing<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alu<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ure<span class=\"ls8 ws3c\">ment hierarc<span class=\"_ _0\"></span>hy for financ<span class=\"_ _0\"></span>ial instrume<span class=\"_ _0\"></span>nts that are<span class=\"_ _0\"></span> measured i<span class=\"_ _0\"></span>n </span>the statement of<span class=\"_ _0\"></span> financial position at f<span class=\"_ _0\"></span>air value:<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws6\">Quoted<span class=\"_ _1\"></span> prices<span class=\"_ _1\"></span> (una<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>ted) in a<span class=\"_ _1\"></span>ctive mar<span class=\"_ _1\"></span>kets fo<span class=\"_ _1\"></span>r ident<span class=\"_ _1\"></span>ical a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s (Lev<span class=\"_ _1\"></span>el 1).</span> \u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs ot<span class=\"_ _0\"></span>her than<span class=\"_ _0\"></span> quoted pri<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s include<span class=\"_ _0\"></span>d withi<span class=\"_ _0\"></span>n Level<span class=\"_ _0\"></span> 1 that<span class=\"_ _0\"></span> are obse<span class=\"_ _0\"></span>rvable f<span class=\"_ _0\"></span>or the as<span class=\"_ _0\"></span>set <span class=\"_ _0\"></span>eithe<span class=\"_ _0\"></span>r dire<span class=\"_ _0\"></span>ctly </span>i.e. as prices<span class=\"_ _1\"></span>, or indirectly<span class=\"_ _1\"></span> i.e. derived from pric<span class=\"_ _1\"></span>es (Level 2).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs for t<span class=\"_ _0\"></span>he asse<span class=\"_ _0\"></span>t that are<span class=\"_ _0\"></span> not base<span class=\"_ _0\"></span>d on obse<span class=\"_ _0\"></span>rvable m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>t data i.e<span class=\"_ _0\"></span>. unobservabl<span class=\"_ _0\"></span>e inpu<span class=\"_ _0\"></span>ts (Leve<span class=\"_ _0\"></span>l 3).<span class=\"ls1 ws1\"> </span></span>The IF<span class=\"_ _0\"></span>RS 13 hierar<span class=\"_ _0\"></span>chy of val<span class=\"_ _0\"></span>uation tec<span class=\"_ _0\"></span>hniques is base<span class=\"_ _0\"></span>d on w<span class=\"_ _0\"></span>hether<span class=\"_ _0\"></span> the inputs to<span class=\"_ _0\"></span> those val<span class=\"_ _0\"></span>uation te<span class=\"_ _0\"></span>chniques<span class=\"_ _0\"></span> are obser<span class=\"_ _0\"></span>vable or<span class=\"_ _0\"></span> unob<span class=\"_ _0\"></span>servabl<span class=\"_ _0\"></span>e. Obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs re<span class=\"_ _0\"></span>fle<span class=\"_ _0\"></span>ct mar<span class=\"_ _0\"></span>ket data <span class=\"_ _0\"></span>obtaine<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> inde<span class=\"_ _0\"></span>pendent<span class=\"_ _0\"></span> sources;<span class=\"_ _0\"></span> unobservable<span class=\"_ _0\"></span> inputs r<span class=\"_ _0\"></span>efle<span class=\"_ _0\"></span>ct the<span class=\"_ _0\"></span> Bank\u2019s ma<span class=\"_ _0\"></span>rket assum<span class=\"_ _0\"></span>ptions. <span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs only r<span class=\"_ _0\"></span>eleva<span class=\"_ _0\"></span>nt and o<span class=\"_ _0\"></span>bservable<span class=\"_ _0\"></span> mark<span class=\"_ _0\"></span>et pr<span class=\"_ _0\"></span>ices i<span class=\"_ _0\"></span>n its val<span class=\"_ _0\"></span>uations.<span class=\"_ _0\"></span> Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span>s of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets and financial liabiliti<span class=\"_ _0\"></span>es that are traded in acti<span class=\"_ _0\"></span>ve markets are based on quoted market pri<span class=\"_ _0\"></span>ces or deale<span class=\"_ _0\"></span>r price quo<span class=\"_ _0\"></span>tations.  <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The fair va<span class=\"_ _1\"></span>lue of the <span class=\"_ _1\"></span>Bank\u2019s fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets measured a<span class=\"_ _1\"></span>t FVO<span class=\"_ _1\"></span>CI, which ar<span class=\"_ _1\"></span>e principally<span class=\"_ _1\"></span> traded in<span class=\"_ _1\"></span> active markets<span class=\"_ _1\"></span>, is ma<span class=\"_ _1\"></span>inly<span class=\"_ _1\"></span> based<span class=\"_ _1\"></span> on q<span class=\"_ _1\"></span>uot<span class=\"_ _1\"></span>ed market<span class=\"_ _1\"></span> pric<span class=\"_ _1\"></span>es. Hen<span class=\"_ _1\"></span>ce, a<span class=\"_ _1\"></span>s a<span class=\"_ _1\"></span>t 31 Dec<span class=\"_ _1\"></span>ember <span class=\"_ _1\"></span>202<span class=\"ls1 ws1\">5 <span class=\"ls8 wsa\">and 2<span class=\"_ _1\"></span>02</span>4<span class=\"ls6 ws7\">, the principal </span></span>financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents that ar<span class=\"_ _0\"></span>e measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span>, consisting of<span class=\"_ _0\"></span> the inve<span class=\"_ _0\"></span>stments measur<span class=\"_ _0\"></span>ed at FV<span class=\"_ _0\"></span>OCI, were valued<span class=\"_ _1\"></span> using prin<span class=\"_ _1\"></span>cipally Level 1 inpu<span class=\"_ _1\"></span>ts. <span class=\"ls1 ws1\"> </span>No tr<span class=\"_ _1\"></span>ansfer<span class=\"_ _1\"></span>s of fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> inst<span class=\"_ _1\"></span>ruments b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ent le<span class=\"_ _1\"></span>vels o<span class=\"_ _1\"></span>f the fair v<span class=\"_ _1\"></span>alue h<span class=\"_ _1\"></span>ierarc<span class=\"_ _1\"></span>hy h<span class=\"_ _1\"></span>ave oc<span class=\"_ _1\"></span>curred during th<span class=\"_ _1\"></span>e financial years<span class=\"_ _1\"></span> ended 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 </span>and<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">4<span class=\"lsa ws24\">. </span> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-8": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span>1.4.2.1 <span class=\"ff5 lsb ws24\">Debt instruments<span class=\"_ _bc\"> </span></span>A gain or los<span class=\"_ _0\"></span>s on a financi<span class=\"_ _0\"></span>al assets that i<span class=\"_ _11\"></span>s subsequently<span class=\"_ _0\"></span> me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span> value thr<span class=\"_ _0\"></span>ough pro<span class=\"_ _0\"></span>fit or<span class=\"_ _0\"></span> los<span class=\"_ _0\"></span>s is <span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gnised in pr<span class=\"_ _0\"></span>ofit or<span class=\"_ _0\"></span> loss a<span class=\"_ _0\"></span>nd<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws7\">pres<span class=\"_ _1\"></span>ented<span class=\"_ _1\"></span> </span></span>in the income s<span class=\"_ _1\"></span>tatement with<span class=\"_ _1\"></span>in \u2018Net trad<span class=\"_ _1\"></span>ing income\u2019 in th<span class=\"_ _1\"></span>e period in which it aris<span class=\"_ _1\"></span>es, unless it aris<span class=\"_ _1\"></span>es from as<span class=\"_ _1\"></span>sets t<span class=\"_ _1\"></span>hat wer<span class=\"_ _1\"></span>e design<span class=\"_ _1\"></span>ated a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue or<span class=\"_ _1\"></span> which a<span class=\"_ _1\"></span>re not hel<span class=\"_ _1\"></span>d for tr<span class=\"_ _1\"></span>ading<span class=\"_ _1\"></span>, in which<span class=\"_ _1\"></span> case it<span class=\"_ _1\"></span> <span class=\"ls16 ws6f\">is </span>presen<span class=\"_ _1\"></span>ted s<span class=\"_ _1\"></span>eparat<span class=\"_ _1\"></span>ely in \u2018<span class=\"_ _1\"></span>Net in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>t inco<span class=\"_ _1\"></span>me\u2019.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-544": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs59\">The B<span class=\"_ _0\"></span>ank reclassif<span class=\"_ _0\"></span>ies de<span class=\"_ _0\"></span>bt instruments w<span class=\"_ _0\"></span>hen and only w<span class=\"_ _0\"></span>hen its business m<span class=\"_ _0\"></span>odel f<span class=\"_ _0\"></span>or managing<span class=\"_ _0\"></span> those assets<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs5a\">changes. The recla<span class=\"_ _1\"></span>ssification<span class=\"_ _1\"></span> takes place from th<span class=\"_ _1\"></span>e start of the first reportin<span class=\"_ _1\"></span>g period following the cha<span class=\"_ _1\"></span>nge. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs5b\">Such chang<span class=\"_ _0\"></span>es are e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted to be ver<span class=\"_ _0\"></span>y infre<span class=\"_ _0\"></span>quent and none<span class=\"_ _0\"></span> occ<span class=\"_ _0\"></span>urred dur<span class=\"_ _0\"></span>ing the<span class=\"_ _0\"></span> period.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReclassificationOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-519": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs5d\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 lsd ws44 gs5f\">(b)<span class=\"ff9 ls1 ws1\"> <span class=\"_ _88\"> </span><span class=\"ff5 lsb ws24\">Cash flows that repr<span class=\"_ _0\"></span>esent solely payment<span class=\"_ _0\"></span> of principal<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est (\u2018SPPI<span class=\"_ _0\"></span>\u2019)<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs61\">Finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets wit<span class=\"_ _1\"></span>h embed<span class=\"_ _1\"></span>ded der<span class=\"_ _1\"></span>ivati<span class=\"_ _1\"></span>ves ar<span class=\"_ _1\"></span>e consider<span class=\"_ _1\"></span>ed in thei<span class=\"_ _1\"></span>r entiret<span class=\"_ _1\"></span>y when<span class=\"_ _1\"></span> determin<span class=\"_ _1\"></span>ing whet<span class=\"_ _1\"></span>her </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs62\">their c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s are sole<span class=\"_ _0\"></span>ly payme<span class=\"_ _0\"></span>nts of pri<span class=\"_ _0\"></span>ncipal and i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-520": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs5d\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs72\">1.4.3   Impairmen<span class=\"_ _1\"></span>t of financial<span class=\"_ _1\"></span> assets<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs73\"> <span class=\"_ _24\"> </span><span class=\"ls5 ws2a\">The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> asses<span class=\"_ _1\"></span>ses o<span class=\"_ _1\"></span>n a for<span class=\"_ _1\"></span>ward</span>-<span class=\"ls6 ws23\">lookin<span class=\"_ _1\"></span>g basis<span class=\"_ _1\"></span> the expected cred<span class=\"_ _1\"></span>it losses (\u2018<span class=\"_ _1\"></span>ECLs\u2019) as<span class=\"_ _1\"></span>sociated with its d<span class=\"_ _1\"></span>ebt </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs74\">instrume<span class=\"_ _0\"></span>nts carri<span class=\"_ _0\"></span>ed at am<span class=\"_ _0\"></span>ortised cost and F<span class=\"_ _0\"></span>VOCI a<span class=\"_ _0\"></span>nd with the<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> arising<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> loan commi<span class=\"_ _0\"></span>tments </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs75\">and financi<span class=\"_ _0\"></span>al guara<span class=\"_ _0\"></span>ntee c<span class=\"_ _0\"></span>ontracts. The<span class=\"_ _0\"></span> Group r<span class=\"_ _0\"></span>ec<span class=\"ls7 ws26\">ognises a loss allowance for<span class=\"_ _0\"></span> such losses at each reporting </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs76\">date.<span class=\"_ _1\"></span> The meas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ent of E<span class=\"_ _1\"></span>CLs reflec<span class=\"_ _1\"></span>ts:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs77\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws56\">an unbiased a<span class=\"_ _0\"></span>nd proba<span class=\"_ _0\"></span>bility<span class=\"ls1 ws1\">-</span>w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted amount that i<span class=\"_ _0\"></span>s dete<span class=\"_ _0\"></span>rmi<span class=\"_ _0\"></span>ned by evalua<span class=\"_ _0\"></span>ting a rang<span class=\"_ _0\"></span>e of po<span class=\"_ _0\"></span>ssible<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs78\">outc<span class=\"_ _1\"></span>omes; <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs79\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">the ti<span class=\"_ _1\"></span>me value o<span class=\"_ _1\"></span>f mon<span class=\"_ _1\"></span>ey; and<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs7a\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reasonable<span class=\"_ _0\"></span> and suppor<span class=\"_ _0\"></span>table inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion that is avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout undue<span class=\"_ _0\"></span> cost or e<span class=\"_ _0\"></span>ffor<span class=\"_ _0\"></span>t at the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs7b\">date about pa<span class=\"_ _0\"></span>st eve<span class=\"_ _0\"></span>nts, curre<span class=\"_ _11\"></span>nt conditions and fo<span class=\"_ _0\"></span>recasts of<span class=\"_ _11\"></span> future econo<span class=\"_ _0\"></span>mic condit<span class=\"_ _0\"></span>ions. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs7c\">Note 2<span class=\"_ _1\"></span>.3.4 pro<span class=\"_ _1\"></span>vides<span class=\"_ _1\"></span> more det<span class=\"_ _1\"></span>ail o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Expec<span class=\"_ _1\"></span>ted Cr<span class=\"_ _1\"></span>edit Lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e is meas<span class=\"_ _1\"></span>ured. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs7d\">Expec<span class=\"_ _1\"></span>ted Credi<span class=\"_ _1\"></span>t Los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es are p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e stat<span class=\"_ _1\"></span>ement of fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al pos<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as fol<span class=\"_ _1\"></span>lows:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs7e\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls7 ws57\">financial assets me<span class=\"_ _0\"></span>asured at amortised cost:<span class=\"_ _0\"></span> as a deduction from the<span class=\"_ _0\"></span> gross carrying amount of the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws8b gs7f\">assets;<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs80\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">loan commit<span class=\"_ _1\"></span>ments and<span class=\"_ _1\"></span> financial guar<span class=\"_ _1\"></span>antee contracts<span class=\"_ _1\"></span>: generally,<span class=\"_ _1\"></span> as a provis<span class=\"_ _1\"></span>ion;</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs81\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws11\">financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ent wi<span class=\"_ _0\"></span>th both a draw<span class=\"_ _0\"></span>n and undrawn c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span>, wher<span class=\"_ _0\"></span>eby the G<span class=\"_ _0\"></span>roup cannot ide<span class=\"_ _0\"></span>ntify<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs82\">the ECL on t<span class=\"_ _0\"></span>he loan<span class=\"_ _0\"></span> comm<span class=\"_ _0\"></span>itment c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span> separate<span class=\"_ _0\"></span>ly from<span class=\"_ _0\"></span> that on t<span class=\"_ _0\"></span>he draw<span class=\"_ _0\"></span>n compo<span class=\"_ _0\"></span>nent: the<span class=\"_ _0\"></span> Group<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs83\">presents a c<span class=\"_ _0\"></span>ombine<span class=\"_ _0\"></span>d loss all<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span> both compone<span class=\"_ _0\"></span>nts, as a ded<span class=\"ls6 ws10\">uction from the gross<span class=\"_ _1\"></span> carrying </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs84\">amount of<span class=\"_ _0\"></span> the draw<span class=\"_ _0\"></span>n compone<span class=\"_ _0\"></span>nt; and<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs85\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws83\">debt i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>uments mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at FVOCI<span class=\"_ _1\"></span>: no los<span class=\"_ _1\"></span>s allowa<span class=\"_ _1\"></span>nce is r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e statemen<span class=\"_ _1\"></span>t of fin<span class=\"_ _1\"></span>ancial </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs86\">position aga<span class=\"_ _0\"></span>inst the ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ount of the<span class=\"_ _0\"></span> asset because<span class=\"_ _0\"></span> the carryi<span class=\"_ _0\"></span>ng amount of t<span class=\"_ _0\"></span>hese assets is their<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6e gs87\">fair value. Instead, a<span class=\"_ _0\"></span>n amount e<span class=\"_ _0\"></span>qual to the allowance<span class=\"_ _0\"></span> t<span class=\"ls5 ws3b\">hat would<span class=\"_ _1\"></span> aris<span class=\"_ _1\"></span>e if the as<span class=\"_ _1\"></span>sets were<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red at </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs88\">amorti<span class=\"_ _1\"></span>sed co<span class=\"_ _1\"></span>st is reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> in oth<span class=\"_ _1\"></span>er compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income a<span class=\"_ _1\"></span>s an acc<span class=\"_ _1\"></span>umulat<span class=\"_ _1\"></span>ed impa<span class=\"_ _1\"></span>irment a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs89\">with a corresp<span class=\"_ _1\"></span>onding ch<span class=\"_ _1\"></span>arge to profit or lo<span class=\"_ _1\"></span>ss. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gsc0\">1.8<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _51\"> </span><span class=\"ls5 ws6\">I<span class=\"_ _1\"></span>mpairmen<span class=\"_ _1\"></span>t of no<span class=\"_ _1\"></span>n</span>-</span></span><span class=\"ws7\">finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsc1\">Asset<span class=\"_ _1\"></span>s th<span class=\"_ _1\"></span>at hav<span class=\"_ _1\"></span>e an in<span class=\"_ _1\"></span>defini<span class=\"_ _1\"></span>te us<span class=\"_ _1\"></span>eful lif<span class=\"_ _1\"></span>e, for<span class=\"_ _1\"></span> examp<span class=\"_ _1\"></span>le go<span class=\"_ _1\"></span>odwill o<span class=\"_ _1\"></span>r cert<span class=\"_ _1\"></span>ain <span class=\"_ _1\"></span>inta<span class=\"_ _1\"></span>ngible a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s, a<span class=\"_ _1\"></span>re not<span class=\"_ _1\"></span> subj<span class=\"_ _1\"></span>ect </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws43 gsc2\">to amortisation and are<span class=\"_ _0\"></span> teste<span class=\"_ _0\"></span>d annually for impairm<span class=\"_ _0\"></span>ent. Assets that are<span class=\"_ _0\"></span> subject to <span class=\"_ _0\"></span>amortisation ar<span class=\"_ _0\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gsc3\">review<span class=\"_ _1\"></span>ed for i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment wh<span class=\"_ _1\"></span>enev<span class=\"_ _1\"></span>er event<span class=\"_ _1\"></span>s or ch<span class=\"_ _1\"></span><span class=\"ls6 ws23\">anges in cir<span class=\"_ _1\"></span>cumstances in<span class=\"_ _1\"></span>dicate that<span class=\"_ _1\"></span> the carrying a<span class=\"_ _1\"></span>mount </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gsc4\">may not be r<span class=\"_ _0\"></span>ecove<span class=\"_ _0\"></span>rable.<span class=\"_ _0\"></span>  An impairme<span class=\"_ _0\"></span>nt loss is re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span> the am<span class=\"_ _0\"></span>ount by whic<span class=\"_ _0\"></span>h the asset\u2019s c<span class=\"_ _0\"></span>arrying<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsc5\">amoun<span class=\"_ _1\"></span>t exce<span class=\"_ _1\"></span>eds it<span class=\"_ _1\"></span>s recov<span class=\"_ _1\"></span>erable a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>. The r<span class=\"_ _1\"></span>ecovera<span class=\"_ _1\"></span>ble a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e higher o<span class=\"_ _1\"></span>f an as<span class=\"_ _1\"></span>set\u2019s<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alue les<span class=\"_ _1\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gsc6\">cost<span class=\"_ _1\"></span>s to sell<span class=\"_ _1\"></span> and v<span class=\"_ _1\"></span>alue in<span class=\"_ _1\"></span> use. For<span class=\"_ _1\"></span> the pu<span class=\"_ _1\"></span>rpos<span class=\"_ _1\"></span>es of ass<span class=\"_ _1\"></span>essin<span class=\"_ _1\"></span>g impairm<span class=\"_ _1\"></span>ent, a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s are gr<span class=\"_ _1\"></span>ouped at<span class=\"_ _1\"></span> the lowes<span class=\"_ _1\"></span>t </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gsc7\">levels for wh<span class=\"_ _1\"></span>ich there ar<span class=\"_ _1\"></span>e separat<span class=\"_ _1\"></span>ely identifiable<span class=\"_ _1\"></span> cash inflo<span class=\"_ _1\"></span>ws (cash<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">genera<span class=\"_ _1\"></span>ting u<span class=\"_ _1\"></span>nits)<span class=\"_ _1\"></span>. The imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ment t<span class=\"_ _1\"></span>est </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws82 gsc8\">can also be performe<span class=\"_ _0\"></span>d on a sin<span class=\"ls5 ws35\">gl<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span> when th<span class=\"_ _1\"></span>e fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e less<span class=\"_ _1\"></span> cost<span class=\"_ _1\"></span>s to s<span class=\"_ _1\"></span>ell or th<span class=\"_ _1\"></span>e val<span class=\"_ _1\"></span>ue in<span class=\"_ _1\"></span> use can<span class=\"_ _1\"></span> be </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gsc9\">determin<span class=\"_ _1\"></span>ed r<span class=\"_ _1\"></span>eliably<span class=\"_ _1\"></span>. Non<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> oth<span class=\"_ _1\"></span>er than<span class=\"_ _1\"></span> goodwill t<span class=\"_ _1\"></span>hat s<span class=\"_ _1\"></span>uffer<span class=\"_ _1\"></span>ed impai<span class=\"_ _1\"></span>rment<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>eviewed<span class=\"_ _1\"></span> for </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsca\">pos<span class=\"_ _1\"></span>sible r<span class=\"_ _1\"></span>eversa<span class=\"_ _1\"></span>l of the i<span class=\"_ _1\"></span>mpairmen<span class=\"_ _1\"></span>t at eac<span class=\"_ _1\"></span>h repor<span class=\"_ _1\"></span>ting d<span class=\"_ _1\"></span>ate. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div>2.      F<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l risk<span class=\"_ _0\"></span> mana<span class=\"_ _0\"></span>geme<span class=\"_ _0\"></span>nt <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"ff1 ls1 ws1\"> </span></span>2.3.4<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws6\">E<span class=\"_ _1\"></span>xpected<span class=\"_ _1\"></span> Credit L<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span> measur<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span></span> </span>IFRS 9 outlines<span class=\"_ _1\"></span> a 'three<span class=\"ls1 ws1\">-</span>stage' mod<span class=\"_ _1\"></span>el for impair<span class=\"_ _1\"></span>ment bas<span class=\"_ _1\"></span>ed on chan<span class=\"_ _1\"></span>ges in credit qualit<span class=\"_ _1\"></span>y since initi<span class=\"_ _1\"></span>al recogn<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as su<span class=\"_ _1\"></span>mmaris<span class=\"_ _1\"></span>ed below:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022 a financial in<span class=\"_ _1\"></span>strument that is not cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-</span>impaired on in<span class=\"_ _1\"></span>itial recognition is<span class=\"_ _1\"></span> classified in 'Stage 1' and<span class=\"_ _1\"></span> has its cre<span class=\"_ _0\"></span>dit risk co<span class=\"_ _0\"></span>ntinuousl<span class=\"_ _0\"></span>y monitor<span class=\"_ _0\"></span>ed by the G<span class=\"_ _0\"></span>roup;<span class=\"ls1 ws1\"> </span>\u2022 if a significan<span class=\"_ _1\"></span>t increase in credit<span class=\"_ _1\"></span> risk (\u2018SICR\u2019) sin<span class=\"_ _1\"></span>ce initial recognit<span class=\"_ _1\"></span>ion is iden<span class=\"_ _1\"></span>tified, the financial ins<span class=\"_ _1\"></span>trument is mov<span class=\"_ _1\"></span>ed to 'S<span class=\"_ _1\"></span>tage 2<span class=\"_ _1\"></span>' but is<span class=\"_ _1\"></span> not yet<span class=\"_ _1\"></span> deemed<span class=\"_ _1\"></span> to be cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-</span>i<span class=\"_ _1\"></span>mpai<span class=\"_ _1\"></span>red. Plea<span class=\"_ _1\"></span>se ref<span class=\"_ _1\"></span>er to n<span class=\"_ _1\"></span>ote<span class=\"_ _1\"></span> 2.3.4.1 fo<span class=\"_ _1\"></span>r a descript<span class=\"_ _0\"></span>ion of how<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span> deter<span class=\"_ _0\"></span>mines<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">when a significan<span class=\"_ _1\"></span>t increas<span class=\"_ _1\"></span>e in credit risk h<span class=\"_ _1\"></span>as occurred;</span> </span>\u2022 if the financial i<span class=\"_ _1\"></span>nstrument is credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">i<span class=\"_ _1\"></span>mpaired<span class=\"_ _1\"></span>, the fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l instru<span class=\"_ _1\"></span>ment is<span class=\"_ _1\"></span> then mov<span class=\"_ _1\"></span>ed to 'Sta<span class=\"_ _1\"></span>ge 3'. Pleas<span class=\"_ _1\"></span>e </span></span>refer to n<span class=\"_ _1\"></span>ote 2.3<span class=\"_ _1\"></span>.4.2 fo<span class=\"_ _1\"></span>r a des<span class=\"_ _1\"></span>crip<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> defin<span class=\"_ _1\"></span>es cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">impaired and de<span class=\"_ _0\"></span>fault;<span class=\"ls1 ws1\"> </span></span></span>\u2022 financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents in \u2018S<span class=\"_ _0\"></span>tage 1<span class=\"_ _0\"></span>\u2019 have the<span class=\"_ _0\"></span>ir ECL m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at an amount equal<span class=\"_ _0\"></span> to the port<span class=\"_ _0\"></span>ion of<span class=\"_ _0\"></span> lif<span class=\"_ _0\"></span>etime expec<span class=\"_ _0\"></span>ted credi<span class=\"_ _0\"></span>t losses that r<span class=\"_ _0\"></span>esult from<span class=\"_ _0\"></span> default e<span class=\"_ _0\"></span>vents possible<span class=\"_ _0\"></span> withi<span class=\"_ _0\"></span>n the next 12 m<span class=\"_ _0\"></span>onths. Instrum<span class=\"_ _0\"></span>ents in \u2018St<span class=\"_ _1\"></span>ages 2\u2019<span class=\"_ _1\"></span> or \u20183\u2019 hav<span class=\"_ _1\"></span>e their ECL mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> bas<span class=\"_ _1\"></span>ed on expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses on a<span class=\"_ _1\"></span> lifetim<span class=\"_ _1\"></span>e basi<span class=\"_ _1\"></span>s. Plea<span class=\"_ _1\"></span>se refe<span class=\"_ _0\"></span>r to note<span class=\"_ _0\"></span> 2.3.4<span class=\"_ _0\"></span>.3 for<span class=\"_ _0\"></span> a de<span class=\"_ _0\"></span>scriptio<span class=\"_ _0\"></span>n of inpu<span class=\"_ _0\"></span>ts, as<span class=\"_ _0\"></span>sumptions <span class=\"_ _0\"></span>and e<span class=\"_ _0\"></span>stimati<span class=\"_ _0\"></span>on techni<span class=\"_ _0\"></span>ques use<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span> measu<span class=\"_ _1\"></span>ring th<span class=\"_ _1\"></span>e ECL;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022 a pervas<span class=\"_ _1\"></span>ive concept in measuring E<span class=\"_ _1\"></span>CL in accordance with IFRS 9 i<span class=\"_ _1\"></span>s that it should consider forward<span class=\"_ _1\"></span> looking i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>ation. Note<span class=\"_ _0\"></span> 2.3.4.4 inc<span class=\"_ _0\"></span>ludes an e<span class=\"_ _0\"></span>xplanation o<span class=\"_ _0\"></span>f how the Group ha<span class=\"_ _0\"></span>s incorpora<span class=\"_ _0\"></span>ted this in i<span class=\"_ _0\"></span>ts ECL mod<span class=\"_ _1\"></span>els; an<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\"> </span>\u2022 purchased or<span class=\"_ _0\"></span> ori<span class=\"_ _0\"></span>ginated c<span class=\"_ _0\"></span>redit<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws85\">impaired financia<span class=\"_ _1\"></span>l assets are tho<span class=\"_ _1\"></span>se financial ass<span class=\"_ _1\"></span>ets that are credit</span>-<span class=\"_ _bc\"> </span></span>impaired on in<span class=\"_ _1\"></span>itial recognitio<span class=\"_ _1\"></span>n. Their ECL<span class=\"_ _1\"></span> is always meas<span class=\"_ _1\"></span>ured on<span class=\"_ _1\"></span> a lifetime basis (\u2018<span class=\"_ _1\"></span>Stage 3\u2019).<span class=\"ls1 ws1\"> </span>Further<span class=\"_ _0\"></span> explanat<span class=\"_ _0\"></span>ion is a<span class=\"_ _0\"></span>lso pro<span class=\"_ _0\"></span>vided i<span class=\"_ _0\"></span>n respe<span class=\"_ _0\"></span>ct of <span class=\"_ _0\"></span>how the<span class=\"_ _0\"></span> Group de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ines appropr<span class=\"_ _0\"></span>iate g<span class=\"_ _11\"></span>roupings of loans<span class=\"_ _0\"></span> and a<span class=\"_ _1\"></span>dvanc<span class=\"_ _1\"></span>es to cu<span class=\"_ _1\"></span>stomer<span class=\"_ _1\"></span>s for E<span class=\"_ _1\"></span>CL measu<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span> (refer t<span class=\"_ _1\"></span>o n<span class=\"_ _1\"></span>ote 2.3.4<span class=\"_ _1\"></span>.5).<span class=\"ls1 ws1\"> </span>The Expe<span class=\"_ _0\"></span>cted Cre<span class=\"_ _0\"></span>dit Loss re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents appl<span class=\"_ _0\"></span>y to financ<span class=\"_ _0\"></span>ial assets m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amor<span class=\"_ _0\"></span>tised cost a<span class=\"_ _0\"></span>nd FVOC<span class=\"_ _0\"></span>I, and certain<span class=\"_ _1\"></span> loan commitmen<span class=\"_ _1\"></span>ts and fin<span class=\"_ _1\"></span>ancial guara<span class=\"_ _1\"></span>ntee contracts. At in<span class=\"_ _1\"></span>itial recognitio<span class=\"_ _1\"></span>n, an impair<span class=\"_ _1\"></span>ment allowa<span class=\"_ _1\"></span>nce (or p<span class=\"_ _1\"></span>rovi<span class=\"_ _1\"></span>sion i<span class=\"_ _1\"></span>n the cas<span class=\"_ _1\"></span>e of commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> a<span class=\"ls8 ws56\">nd guarante<span class=\"_ _0\"></span>es) is re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d for E<span class=\"_ _0\"></span>CL re<span class=\"_ _0\"></span>sulting f<span class=\"_ _0\"></span>rom </span>default<span class=\"_ _0\"></span> events tha<span class=\"_ _0\"></span>t are possi<span class=\"_ _0\"></span>ble w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> next 12 m<span class=\"_ _0\"></span>onths (12<span class=\"ls1 ws1\">-</span>mo<span class=\"_ _0\"></span>nth ECL). I<span class=\"_ _0\"></span>n the event of a si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant increase in cred<span class=\"_ _1\"></span>it risk, an allowan<span class=\"_ _1\"></span>ce (or provis<span class=\"_ _1\"></span>ion) is requ<span class=\"_ _1\"></span>ired for ECL resulting from a<span class=\"_ _1\"></span>ll possib<span class=\"_ _1\"></span>le <span class=\"ls5 ws7\">default </span>event<span class=\"_ _1\"></span>s over<span class=\"_ _1\"></span> the expec<span class=\"_ _1\"></span>ted life<span class=\"_ _1\"></span> of the fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ins<span class=\"_ _1\"></span>trument (l<span class=\"_ _1\"></span>ifetime E<span class=\"_ _1\"></span>CL). Fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets where 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ws7\">month<span class=\"_ _1\"></span> </span>ECL is recogni<span class=\"_ _1\"></span>sed are con<span class=\"_ _1\"></span>sidered<span class=\"_ _1\"></span> \u2018Stage 1\u2019. <span class=\"ls8 wsa\">As outlined previously, f<span class=\"_ _0\"></span><span class=\"ls6 ws7\">inancial as<span class=\"_ _1\"></span>sets which a<span class=\"_ _1\"></span>re considered to<span class=\"_ _1\"></span> </span></span>have experienced a<span class=\"_ _1\"></span> significant in<span class=\"_ _1\"></span>crease in credit ris<span class=\"_ _1\"></span>k would be classified as<span class=\"_ _1\"></span> \u2018Stage 2\u2019 and financial a<span class=\"_ _1\"></span>ssets for which t<span class=\"_ _1\"></span>here is<span class=\"_ _1\"></span> object<span class=\"_ _1\"></span>ive evid<span class=\"_ _1\"></span>ence o<span class=\"_ _1\"></span>f imp<span class=\"_ _1\"></span>airmen<span class=\"_ _1\"></span>t, th<span class=\"_ _1\"></span>us cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> to be in<span class=\"_ _1\"></span> defau<span class=\"_ _1\"></span>lt or oth<span class=\"_ _1\"></span>erwise cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>i<span class=\"ls6 ws7\">mpaired, would<span class=\"_ _1\"></span> be classified <span class=\"_ _1\"></span>as \u2018Sta<span class=\"_ _1\"></span>ge 3\u2019.</span> The Group re<span class=\"_ _0\"></span>cognises loss allowance<span class=\"_ _0\"></span>s at an amount equal <span class=\"_ _0\"></span>to 12<span class=\"ls1 ws1\">-<span class=\"ls5 ws2a\">month ECL<span class=\"_ _1\"></span> for debt<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ment secu<span class=\"_ _1\"></span>rities<span class=\"_ _1\"></span> </span></span>that are de<span class=\"_ _0\"></span>termine<span class=\"_ _0\"></span>d to have low<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk at the re<span class=\"_ _0\"></span>porting date<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup conside<span class=\"_ _0\"></span>rs a debt securi<span class=\"_ _0\"></span>ty to have low credit r<span class=\"_ _1\"></span>isk when it is<span class=\"_ _1\"></span> considered \u2018i<span class=\"_ _1\"></span>nv<span class=\"ls5 ws7\">est<span class=\"_ _1\"></span>ment<span class=\"ls1 ws1\">-<span class=\"lsb ws2c\">grade\u2019, <span class=\"_ _14\"></span><span class=\"ls7 ws4e\">as <span class=\"_ _10\"> </span><span class=\"ls8 ws4f\">defined by re<span class=\"_ _0\"></span>cogni<span class=\"_ _0\"></span>sed exte<span class=\"_ _0\"></span>rnal ra<span class=\"_ _0\"></span>ting </span></span></span></span></span>agencies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The foll<span class=\"_ _0\"></span>owing diag<span class=\"_ _0\"></span>ram summarise<span class=\"_ _0\"></span>s the im<span class=\"_ _0\"></span>pairment requi<span class=\"_ _0\"></span>rements unde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9 (other than purc<span class=\"_ _0\"></span>hased or originated cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-</span>impaired f<span class=\"_ _1\"></span>inancial a<span class=\"_ _1\"></span>ssets):<span class=\"ls1 ws1\"> </span><table class=\"s w1e0 h1aa\" id=\"_be18df2e-83e5-49dd-8f87-8eaba9e6537c\"><tr><td class=\"c x2bb y1e52 wc3 ha4\"><div class=\"t m0 x106 h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 1<span class=\"ffa ls1\"> </span></div></td><td class=\"c x2bc y1e52 wc4 ha4\"><div class=\"t m0 x14 h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 2<span class=\"ffa ls1\"> </span></div></td><td class=\"c x2bd y1e52 wc5 ha4\"><div class=\"t m0 x46 h9 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 3<span class=\"ls1\"> </span></div></td></tr><tr><td class=\"c x2bb y1e53 wc3 hcb\"><div class=\"t m0 x4f h3 ye50 ff1 fs1 fc0 sc0 ls6 ws7\">(Initial recogn<span class=\"_ _1\"></span>ition)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2bc y1e53 wc4 hcb\"><div class=\"t m0 xe9 h3 ye50 ff1 fs1 fc0 sc0 ls6 ws7\">(Significan<span class=\"_ _1\"></span>t increase in credi<span class=\"_ _1\"></span>t risk </div></td><td class=\"t m0 x2be h3 y1e54 ff1 fs1 fc0 sc0 ls5 ws7\">(Credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ls6\">impair<span class=\"_ _1\"></span>ed financial</span><span class=\"ls6\"> </span></td></tr><tr><td></td><td class=\"c x2bc y1e53 wc4 hcb\"><div class=\"t m0 xe5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">since initia<span class=\"_ _1\"></span>l recognition)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"t m0 x2bf h3 y1e55 ff1 fs1 fc0 sc0 lse ws8b\">assets)<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td class=\"c x2bb y1e56 wc3 hcb\"><div class=\"t m0 x88 h3 ye52 ff1 fs1 fc0 sc0 ls6 ws8\">12<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">mont<span class=\"_ _1\"></span>h expect<span class=\"_ _1\"></span>ed cr<span class=\"_ _1\"></span>edit lo<span class=\"_ _1\"></span>sses</span></span><span class=\"ls1 ws1\"><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x2bc y1e56 wc4 hcb\"><div class=\"t m0 x11 h3 ye52 ff1 fs1 fc0 sc0 ls5 ws6\">Lifeti<span class=\"_ _1\"></span>me exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2bd y1e56 wc5 hcb\"><div class=\"t m0 xdf h3 ye52 ff1 fs1 fc0 sc0 ls5 ws6\">Lifeti<span class=\"_ _1\"></span>me exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit </div></td></tr><tr><td></td><td></td><td class=\"c x2bd y1e56 wc5 hcb\"><div class=\"t m0 xf h3 y8d0 ff1 fs1 fc0 sc0 lse ws8b\">losses<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr></table>2.3.4.1<span class=\"ls1 ws1\"> <span class=\"_ _8a\"> </span></span><span class=\"ws7\">Signi<span class=\"_ _1\"></span>ficant increase in<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk (\u2018SICR\u2019)<span class=\"ls1 ws1\"> </span></span>To det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>e whet<span class=\"_ _1\"></span>her the<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k (i.<span class=\"_ _1\"></span>e. risk<span class=\"_ _1\"></span> of d<span class=\"_ _1\"></span>efaul<span class=\"_ _1\"></span>t) on a<span class=\"_ _1\"></span> financ<span class=\"_ _1\"></span>ial i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>ument<span class=\"_ _1\"></span> has<span class=\"_ _1\"></span> increas<span class=\"_ _1\"></span>ed signifi<span class=\"_ _0\"></span>cantly sinc<span class=\"_ _0\"></span>e init<span class=\"_ _0\"></span>ial recogniti<span class=\"_ _0\"></span>on, the G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs reasona<span class=\"_ _0\"></span>ble and supporta<span class=\"_ _11\"></span>ble informati<span class=\"_ _0\"></span>on that is rele<span class=\"_ _0\"></span>vant and avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout un<span class=\"_ _0\"></span>due cost<span class=\"_ _0\"></span> or e<span class=\"_ _0\"></span>ffort,<span class=\"_ _0\"></span> incl<span class=\"_ _0\"></span>uding both<span class=\"_ _0\"></span> quantita<span class=\"_ _0\"></span>tive a<span class=\"_ _0\"></span>nd qualit<span class=\"_ _0\"></span>ative<span class=\"_ _0\"></span> inform<span class=\"_ _0\"></span>ation. S<span class=\"_ _0\"></span>uch analysis is based on the<span class=\"_ _0\"></span> Group\u2019s hi<span class=\"_ _0\"></span>storical<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>rience, cre<span class=\"_ _0\"></span>dit assessme<span class=\"_ _0\"></span>nt and forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>looking inform<span class=\"_ _0\"></span>ation. <span class=\"ls1\"> </span>The G<span class=\"_ _0\"></span>roup prim<span class=\"_ _0\"></span>arily ide<span class=\"_ _0\"></span>ntifi<span class=\"_ _0\"></span>es whethe<span class=\"_ _0\"></span>r a SIC<span class=\"_ _0\"></span>R has occur<span class=\"_ _0\"></span>red <span class=\"_ _0\"></span>for an e<span class=\"_ _0\"></span>xposure w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> loa<span class=\"_ _0\"></span>ns and ad<span class=\"_ _0\"></span>vances<span class=\"_ _0\"></span> to custome<span class=\"_ _0\"></span>rs, throug<span class=\"_ _0\"></span>h the Gr<span class=\"_ _0\"></span>oup\u2019s inter<span class=\"_ _0\"></span>nal risk gr<span class=\"_ _0\"></span>adings. T<span class=\"_ _11\"></span>he Group allocat<span class=\"_ _0\"></span>es eac<span class=\"_ _0\"></span>h exposure to an inte<span class=\"_ _0\"></span>rnal rating grade based on a varie<span class=\"_ _0\"></span>ty of data that<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls8 ws18\">is determ<span class=\"_ _0\"></span>ined to be pre<span class=\"_ _0\"></span>dictive<span class=\"_ _0\"></span> of the ri<span class=\"_ _0\"></span>sk of default and appl<span class=\"_ _0\"></span>ying </span></span>exper<span class=\"_ _0\"></span>ienced c<span class=\"_ _0\"></span>redit judgeme<span class=\"_ _0\"></span>nt. These f<span class=\"_ _0\"></span>actors vary de<span class=\"_ _0\"></span>pending on the<span class=\"_ _0\"></span> nature of the<span class=\"_ _0\"></span> exposure and the type<span class=\"_ _0\"></span> of borrow<span class=\"_ _0\"></span>er. Exposure<span class=\"_ _0\"></span>s are subje<span class=\"_ _0\"></span>ct to ong<span class=\"_ _0\"></span>oing moni<span class=\"_ _0\"></span>toring, whi<span class=\"_ _0\"></span>ch may resul<span class=\"_ _0\"></span>t in an expos<span class=\"ls5 ws3b\">ure being <span class=\"_ _1\"></span>moved<span class=\"_ _1\"></span> </span>to a d<span class=\"_ _1\"></span>ifferent i<span class=\"_ _1\"></span>nterna<span class=\"_ _1\"></span>l ratin<span class=\"_ _1\"></span>g gra<span class=\"_ _1\"></span>de.<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup ident<span class=\"_ _0\"></span>ifies SI<span class=\"_ _0\"></span>CR and classif<span class=\"_ _0\"></span>ies such non<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws6\">defau<span class=\"_ _1\"></span>lted exp<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>es int<span class=\"_ _1\"></span>o \u2018Stag<span class=\"_ _1\"></span>e 2\u2019 when t<span class=\"_ _1\"></span>hey fu<span class=\"_ _1\"></span>lfil at </span></span>least one of th<span class=\"_ _1\"></span>e following con<span class=\"_ _1\"></span>ditions<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the ex<span class=\"_ _0\"></span>posure is c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d forbor<span class=\"_ _0\"></span>ne;<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws45\">the cred<span class=\"_ _1\"></span>it qua<span class=\"_ _1\"></span>lity o<span class=\"_ _1\"></span>f any o<span class=\"_ _1\"></span>ther exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>re(s) of t<span class=\"_ _1\"></span>he sa<span class=\"_ _1\"></span>me cus<span class=\"_ _1\"></span>tomer is<span class=\"_ _1\"></span>/are no<span class=\"_ _1\"></span>t cons<span class=\"_ _1\"></span>ider<span class=\"_ _1\"></span>ed \u2018reg<span class=\"_ _1\"></span>ular<span class=\"_ _1\"></span>\u2019 (except<span class=\"_ _1\"></span> </span>where ot<span class=\"_ _1\"></span>herwis<span class=\"_ _1\"></span>e sta<span class=\"_ _1\"></span>ted in t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s C<span class=\"_ _1\"></span>redit Po<span class=\"_ _1\"></span>licy e.g<span class=\"_ _1\"></span>. cash<span class=\"_ _1\"></span> covered<span class=\"_ _1\"></span> facilit<span class=\"_ _1\"></span>ies); a<span class=\"_ _1\"></span>nd<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span>\u2019s internal<span class=\"_ _0\"></span> rating g<span class=\"_ _0\"></span>rade i<span class=\"_ _0\"></span>s not consider<span class=\"_ _0\"></span>ed \u2018per<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ing\u2019, as de<span class=\"_ _0\"></span>fined i<span class=\"_ _0\"></span>n note 2.<span class=\"_ _0\"></span>3.8.<span class=\"ls1 ws1\"> </span></span>As referred to<span class=\"_ _1\"></span> previousl<span class=\"_ _1\"></span>y, exist<span class=\"_ _1\"></span>ing geopolitical fa<span class=\"_ _1\"></span>ctors a<span class=\"_ _1\"></span>s well as t<span class=\"_ _1\"></span>he current<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws7\">market</span> <span class=\"_ _14\"> </span><span class=\"ls8 ws33\">s<span class=\"_ _1\"></span>cenarios, w<span class=\"_ _0\"></span>ith the </span></span>consequent<span class=\"_ _0\"></span>ial ec<span class=\"_ _0\"></span>onomic conditio<span class=\"_ _0\"></span>ns, continue<span class=\"_ _0\"></span> to pose an e<span class=\"_ _0\"></span>levate<span class=\"_ _0\"></span>d level of unce<span class=\"_ _0\"></span>rtainty,<span class=\"_ _0\"></span> particul<span class=\"_ _0\"></span>arly wi<span class=\"_ _0\"></span>th respec<span class=\"_ _1\"></span>t to th<span class=\"_ _1\"></span>e ident<span class=\"_ _1\"></span>ificatio<span class=\"_ _1\"></span>n o<span class=\"_ _1\"></span>f custo<span class=\"_ _1\"></span>mers th<span class=\"_ _1\"></span>at wou<span class=\"_ _1\"></span>ld ha<span class=\"_ _1\"></span>ve experienc<span class=\"_ _1\"></span>ed a S<span class=\"_ _1\"></span>ICR.<span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank<span class=\"ls1 ws1\">\u2019</span>s individual<span class=\"ls1 ws1\"> </span><span class=\"ws16\">debtor<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws11\">focused approa<span class=\"_ _0\"></span>ch enable<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span> identi<span class=\"_ _0\"></span>ficati<span class=\"_ _0\"></span>on of SI<span class=\"_ _0\"></span>CR of signi<span class=\"_ _0\"></span>ficant e<span class=\"_ _0\"></span>xposures<span class=\"_ _0\"></span>, </span></span></span>specifically with<span class=\"_ _1\"></span>in its corp<span class=\"_ _1\"></span>orate and co<span class=\"_ _1\"></span>mmercial portfolio<span class=\"_ _1\"></span>. These expos<span class=\"_ _1\"></span>ures are as<span class=\"_ _1\"></span>sessed perio<span class=\"_ _1\"></span>dically for<span class=\"_ _1\"></span> SICR t<span class=\"_ _0\"></span>hrough indivi<span class=\"_ _0\"></span>dual c<span class=\"_ _0\"></span>redit <span class=\"_ _0\"></span>risk as<span class=\"_ _0\"></span>sessme<span class=\"_ _0\"></span>nts, on <span class=\"_ _0\"></span>the ba<span class=\"_ _0\"></span>sis o<span class=\"_ _0\"></span>f <span class=\"ls5 ws3f\">recently<span class=\"_ _1\"></span> obtai<span class=\"_ _1\"></span>ned man<span class=\"_ _1\"></span>agement i<span class=\"_ _1\"></span>nforma<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> </span>including<span class=\"_ _0\"></span> fore<span class=\"_ _0\"></span>casts. Exposure<span class=\"_ _0\"></span>s in respe<span class=\"_ _0\"></span>ct of whi<span class=\"_ _0\"></span>ch SICR has been o<span class=\"_ _0\"></span>bserved ar<span class=\"_ _0\"></span>e attributed hig<span class=\"_ _0\"></span>her ECL<span class=\"_ _0\"></span>, and are as<span class=\"_ _1\"></span>signed<span class=\"_ _1\"></span> an elev<span class=\"_ _1\"></span>ated i<span class=\"_ _1\"></span>nterna<span class=\"_ _1\"></span>l ratin<span class=\"_ _1\"></span>g of <span class=\"ls9 ws6f\">P2 or P3<span class=\"ls8 ws2d\">, hence r<span class=\"_ _11\"></span>equiring close<span class=\"_ _0\"></span>r and more<span class=\"_ _0\"></span> fre<span class=\"_ _0\"></span>quent monitor<span class=\"_ _0\"></span>ing </span></span>on a monthly or<span class=\"_ _0\"></span> quarte<span class=\"_ _0\"></span>rly ba<span class=\"_ _0\"></span>sis (depe<span class=\"_ _0\"></span>nding on the<span class=\"_ _0\"></span> exte<span class=\"_ _0\"></span>nt of<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit risk de<span class=\"_ _0\"></span>terio<span class=\"_ _0\"></span>ration) to f<span class=\"_ _0\"></span>acilit<span class=\"_ _0\"></span>ate time<span class=\"_ _0\"></span>ly identif<span class=\"_ _0\"></span>icati<span class=\"_ _0\"></span>on of furthe<span class=\"_ _0\"></span>r deteriorati<span class=\"_ _0\"></span>on in fina<span class=\"_ _0\"></span>ncial c<span class=\"_ _0\"></span>ondition. The<span class=\"_ _0\"></span> assessment<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span> to be perfo<span class=\"_ _0\"></span>rmed by the Com<span class=\"_ _1\"></span>merci<span class=\"_ _1\"></span>al Cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\"> </span>D<span class=\"_ _1\"></span>epart<span class=\"_ _1\"></span>ment an<span class=\"_ _1\"></span>d are di<span class=\"_ _1\"></span>scus<span class=\"_ _1\"></span>sed a<span class=\"_ _1\"></span>nd rev<span class=\"_ _1\"></span>iewed a<span class=\"_ _1\"></span>t Cred<span class=\"_ _1\"></span>it Co<span class=\"_ _1\"></span>mmittee <span class=\"_ _1\"></span>or Bo<span class=\"_ _1\"></span>ard lev<span class=\"_ _1\"></span>el as<span class=\"_ _1\"></span> applicab<span class=\"_ _1\"></span>le.<span class=\"ls1 ws1\"> </span>For the pur<span class=\"_ _0\"></span>pose of a<span class=\"_ _0\"></span>chieving<span class=\"_ _0\"></span> a compr<span class=\"_ _0\"></span>ehensi<span class=\"_ _0\"></span>ve assessm<span class=\"_ _0\"></span>ent the<span class=\"_ _0\"></span> Bank also ut<span class=\"_ _0\"></span>ilises,<span class=\"_ _0\"></span> as applic<span class=\"_ _0\"></span>able, segmentation<span class=\"_ _1\"></span> techniq<span class=\"_ _1\"></span>ues in relation<span class=\"_ _1\"></span> to identifyi<span class=\"_ _1\"></span>ng indicato<span class=\"_ _1\"></span>rs of SICR<span class=\"_ _1\"></span> within bot<span class=\"_ _1\"></span>h corpor<span class=\"_ _1\"></span>ate &amp; commer<span class=\"_ _1\"></span>cial and personal portfolios. <span class=\"ls1\"> </span>In relat<span class=\"_ _0\"></span>ion to per<span class=\"_ _0\"></span>sonal por<span class=\"_ _0\"></span>tf<span class=\"_ _0\"></span>olios, SIC<span class=\"_ _0\"></span>R is ge<span class=\"_ _0\"></span>neral<span class=\"_ _0\"></span>ly dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d on the basis<span class=\"_ _0\"></span> of de<span class=\"_ _0\"></span>linquenc<span class=\"_ _0\"></span>y relat<span class=\"_ _0\"></span>ed indicato<span class=\"_ _1\"></span>rs since less<span class=\"_ _1\"></span> information is<span class=\"_ _1\"></span> available at as<span class=\"_ _1\"></span>set level to enable th<span class=\"_ _1\"></span>e timely identificat<span class=\"_ _1\"></span>ion of a<span class=\"_ _1\"></span> SICR. The Bank conti<span class=\"_ _0\"></span>nues to apply r<span class=\"_ _0\"></span>igoro<span class=\"_ _0\"></span>usly its cr<span class=\"_ _0\"></span>edit asse<span class=\"_ _0\"></span>ssme<span class=\"_ _0\"></span>nt and oversi<span class=\"_ _0\"></span>ght proce<span class=\"_ _0\"></span>sses, whi<span class=\"_ _0\"></span>ch include<span class=\"_ _0\"></span> monit<span class=\"_ _0\"></span>oring of arre<span class=\"_ _0\"></span>ars. Pe<span class=\"_ _0\"></span>rsonal borr<span class=\"_ _0\"></span>owers a<span class=\"_ _0\"></span>re con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span>ed to ex<span class=\"_ _0\"></span>hibit <span class=\"_ _0\"></span>signs of<span class=\"_ _0\"></span> SICR<span class=\"_ _0\"></span> and co<span class=\"_ _0\"></span>nsequentl<span class=\"_ _0\"></span>y downg<span class=\"_ _0\"></span>raded to<span class=\"_ _0\"></span> Stage 2 if they met t<span class=\"_ _1\"></span>he followi<span class=\"_ _1\"></span>ng criteria:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">repaym<span class=\"_ _0\"></span>ents bei<span class=\"_ _0\"></span>ng past<span class=\"ls1 ws1\"> </span>due by<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">30 days or<span class=\"_ _1\"></span></span> <span class=\"ls5 ws6\">more; an<span class=\"_ _1\"></span>d</span> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">other qualit<span class=\"_ _1\"></span>ative criteria, in<span class=\"_ _1\"></span>cluding bu<span class=\"_ _1\"></span>t not limited to actu<span class=\"_ _1\"></span>al or poten<span class=\"_ _1\"></span>tial loss o<span class=\"_ _1\"></span>f personal income.</span> In respect of <span class=\"_ _1\"></span>individ<span class=\"_ _1\"></span>ually si<span class=\"_ _1\"></span>gnificant loan<span class=\"_ _1\"></span>s within th<span class=\"_ _1\"></span>e corpora<span class=\"_ _1\"></span>te and commercia<span class=\"_ _1\"></span>l portfolio<span class=\"_ _1\"></span>, du<span class=\"_ _1\"></span>ring 202<span class=\"ls1 ws1\">5<span class=\"ls9 ws8\">, the </span></span>Bank foc<span class=\"_ _0\"></span>used partic<span class=\"_ _0\"></span>ularly on<span class=\"_ _0\"></span> those bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>rs that<span class=\"_ _0\"></span> are d<span class=\"_ _0\"></span>eeme<span class=\"_ _0\"></span>d to be mor<span class=\"_ _0\"></span>e susce<span class=\"_ _0\"></span>ptible to<span class=\"_ _0\"></span> the curr<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> economic <span class=\"ls5 ws7\">en<span class=\"_ _1\"></span>viro<span class=\"_ _1\"></span>nment.<span class=\"_ _bc\"> </span></span>A set of crit<span class=\"_ _1\"></span>eria specif<span class=\"_ _1\"></span>ically de<span class=\"_ _1\"></span>signed to a<span class=\"_ _1\"></span>ddress credi<span class=\"_ _1\"></span>t risk d<span class=\"_ _1\"></span>eteriorations<span class=\"_ _1\"></span>, is in pla<span class=\"_ _1\"></span>ce to de<span class=\"_ _1\"></span>termine wh<span class=\"_ _1\"></span>ether borrowers exhi<span class=\"_ _1\"></span>bit signs<span class=\"_ _1\"></span> of SICR.<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 wsb\">In summary, the B<span class=\"_ _0\"></span>ank\u2019s moni<span class=\"_ _0\"></span>toring typi<span class=\"_ _0\"></span>cally i<span class=\"_ _0\"></span>ncludes the asse<span class=\"_ _0\"></span>ssment of </span></span>following risk cr<span class=\"_ _1\"></span>iteria:<span class=\"ls1 ws1\"> </span><table class=\"s w1e1 h1ab\" id=\"_3b964ca5-d758-4674-af33-8b9737c54082\"><tr><td class=\"c n x2c1 y1e57 w1e2 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls28 ws0\">Corporate<span class=\"_ _1\"></span> and commercial e<span class=\"_ _1\"></span>xposures<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c n x2c2 y1e57 w1e3 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls28 ws0\">Personal exposur<span class=\"_ _1\"></span>es<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c n x2c3 y1e57 w1e4 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls27 ws97\">All exposu<span class=\"_ _1\"></span>res<span class=\"_ _bc\"> </span></div></td><td></td></tr><tr><td class=\"c x270 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c4 y1e59 w1e6 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls29 ws98\">inform<span class=\"_ _1\"></span>ation o<span class=\"_ _1\"></span>btained du<span class=\"_ _1\"></span>ring per<span class=\"_ _1\"></span>io<span class=\"_ _1\"></span>dic review o<span class=\"_ _1\"></span>f<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c5 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c6 y1e59 w1e7 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls28 ws0\">internally co<span class=\"_ _1\"></span>llected<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c7 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c8 y1e59 w1e8 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\"><span class=\"ls29 ws98\">payment rec<span class=\"_ _1\"></span>ord </span>\u2013 <span class=\"ls29 ws9a\">thi<span class=\"_ _1\"></span>s<span class=\"_ _bc\"> </span></span></div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5a ff1 fs8 fc0 sc0 ls4 ws9a\">customer f<span class=\"_ _1\"></span>iles <span class=\"ls1 ws1\">\u2013 </span>e.g. a<span class=\"_ _1\"></span>udited fina<span class=\"_ _1\"></span>ncial stat<span class=\"_ _1\"></span>ements, </td><td class=\"t m0 x2ca h25 y1e5a ff1 fs8 fc0 sc0 ls29 ws98\" colspan=\"2\">data on c<span class=\"_ _1\"></span>ustomer </td><td class=\"t m0 x2cb h25 y1e5a ff1 fs8 fc0 sc0 ls4 ws9a\" colspan=\"2\">includes o<span class=\"_ _1\"></span>verdue stat<span class=\"_ _1\"></span>us </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5b ff1 fs8 fc0 sc0 ls29 ws98\">managemen<span class=\"_ _1\"></span>t acc<span class=\"_ _1\"></span>ounts, bu<span class=\"_ _1\"></span>dgets <span class=\"_ _1\"></span>and projec<span class=\"_ _1\"></span>tions. </td><td class=\"t m0 x2ca h25 y1e5b ff1 fs8 fc0 sc0 ls29 ws9a\" colspan=\"2\">behaviour<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ls4 ws0\">e.g.</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"> </span></span></td><td class=\"t m0 x2cb h25 y1e5b ff1 fs8 fc0 sc0 ls4 ws9a\" colspan=\"2\">as well as a r<span class=\"_ _1\"></span>ange of </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5c ff1 fs8 fc0 sc0 ls4 ws9a\">Exam<span class=\"_ _1\"></span>ples of areas o<span class=\"_ _1\"></span>f particular<span class=\"_ _1\"></span> focus are: gro<span class=\"_ _1\"></span>ss </td><td class=\"t m0 x2ca h25 y1e5c ff1 fs8 fc0 sc0 ls28 ws0\" colspan=\"2\">utilisatio<span class=\"_ _1\"></span>n of credit </td><td class=\"c x2cc y1e5d wc8 hcd\" colspan=\"2\"><div class=\"t m0 x90 h25 ye84 ff1 fs8 fc0 sc0 ls29 ws98\">variables a<span class=\"_ _1\"></span>bout pa<span class=\"_ _1\"></span>yment </div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5e ff1 fs8 fc0 sc0 ls4 ws9a\">profit ma<span class=\"_ _1\"></span>rgins, fina<span class=\"_ _1\"></span>ncial lev<span class=\"_ _1\"></span>erage ratio<span class=\"_ _1\"></span>s, debt </td><td class=\"t m0 x2ca h25 y1e5e ff1 fs8 fc0 sc0 ls28 ws0\" colspan=\"2\">card facilit<span class=\"_ _1\"></span>ies;<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2cb h25 y1e5e ff1 fs8 fc0 sc0 ls2a ws10d\" colspan=\"2\">ratios;<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5f ff1 fs8 fc0 sc0 ls4 ws9a\">service co<span class=\"_ _1\"></span>vera<span class=\"ls29 ws98\">ge, co<span class=\"_ _1\"></span>mplianc<span class=\"_ _1\"></span>e with c<span class=\"_ _1\"></span>ontrac<span class=\"_ _1\"></span>tual</span><span class=\"ls29 ws98\"> </span></td><td class=\"c n x2cd y1e61 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2ce y1e61 w1e9 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls28 ws0\">affordabilit<span class=\"_ _1\"></span>y metrics;</div></td><td class=\"t m0 x2cf hb3 y1e5f ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"ff9\"> </span></td><td class=\"c x2cc y1e5d wc8 hcd\"><div class=\"t m0 x90 h25 ye85 ff1 fs8 fc0 sc0 ls29 ws98\">utilizat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> the grante<span class=\"_ _1\"></span>d </div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e62 ff1 fs8 fc0 sc0 ls29 ws98\">conditi<span class=\"_ _1\"></span>ons, qua<span class=\"_ _1\"></span>lity of<span class=\"_ _1\"></span> manageme<span class=\"_ _1\"></span>nt and senio<span class=\"_ _1\"></span>r </td><td></td><td class=\"t m0 x2ca h25 y1e62 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2cb h25 y1e62 ff1 fs8 fc0 sc0 ls28 ws99\" colspan=\"2\">limit;<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e63 ff1 fs8 fc0 sc0 ls4 ws9a\">managemen<span class=\"_ _1\"></span>t changes;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"c n x2cd y1e64 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2ce y1e64 w1ea h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">external data from<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d0 y1e64 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d1 y1e64 w1eb h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">requests fo<span class=\"_ _1\"></span>r and<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c n x2d2 y1e65 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d3 y1e65 w1ec h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">data fro<span class=\"_ _1\"></span>m credit refe<span class=\"_ _1\"></span>rence agenci<span class=\"_ _1\"></span>es, press a<span class=\"_ _1\"></span>rticles;<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"t m0 x2ca h25 y1e66 ff1 fs8 fc0 sc0 ls4 ws9a\">credit ref<span class=\"_ _1\"></span>erence </td><td class=\"t m0 x2cb h25 y1e66 ff1 fs8 fc0 sc0 ls29 ws98\" colspan=\"2\">granti<span class=\"_ _1\"></span>ng of fo<span class=\"_ _1\"></span>rbearance; </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e67 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td></td><td class=\"t m0 x2ca h25 y1e67 ff1 fs8 fc0 sc0 ls4 ws9a\">agencies inc<span class=\"_ _1\"></span>luding </td><td></td><td class=\"t m0 x2cb h25 y1e67 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td></tr><tr><td class=\"c n x2d2 y1e68 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d3 y1e68 w1ed h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls29 ws98\">actual<span class=\"_ _1\"></span> and expec<span class=\"_ _1\"></span>ted sign<span class=\"_ _1\"></span>ificant c<span class=\"_ _1\"></span>hanges in t<span class=\"_ _1\"></span>he<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"t m0 x2ca h25 y1e69 ff1 fs8 fc0 sc0 ls29 ws9a\">industry<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>standar<span class=\"_ _1\"></span>d </td><td class=\"c n x2d0 y1e68 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d1 y1e68 w1ee h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">existing a<span class=\"_ _1\"></span>nd forecast<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e6a ff1 fs8 fc0 sc0 ls28 ws0\">political,<span class=\"_ _1\"></span> regulatory and tec<span class=\"_ _1\"></span>hnologic<span class=\"_ _1\"></span>al environment </td><td></td><td class=\"t m0 x2ca h25 y1e6a ff1 fs8 fc0 sc0 ls4 ws9a\">credit sco<span class=\"_ _1\"></span>res.<span class=\"ls1 ws1\"> </span></td><td></td><td class=\"t m0 x2cb h25 y1e6a ff1 fs8 fc0 sc0 ls4 ws9a\">changes in b<span class=\"_ _1\"></span>usiness,<span class=\"_ _1\"></span> </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e6b ff1 fs8 fc0 sc0 ls2a ws99\">of the borrower o<span class=\"_ _1\"></span>r in its business a<span class=\"_ _1\"></span>ctivities.<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x2cb h25 y1e6b ff1 fs8 fc0 sc0 ls29 ws98\">financia<span class=\"_ _1\"></span>l and ec<span class=\"_ _1\"></span>onomic<span class=\"_ _1\"></span> </td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x2d4 h25 y1e6c ff1 fs8 fc0 sc0 ls29 ws9a\">conditi<span class=\"_ _1\"></span>ons.<span class=\"ls1 ws1\"> </span></td></tr></table>The as<span class=\"_ _1\"></span>sess<span class=\"_ _1\"></span>ment of SIC<span class=\"_ _1\"></span>R incorp<span class=\"_ _1\"></span>orat<span class=\"_ _1\"></span>es forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls6 ws8c\">looking in<span class=\"_ _1\"></span>formation (refer to<span class=\"_ _1\"></span> note 2.3.4.4 for furt<span class=\"_ _1\"></span>her </span></span>inform<span class=\"_ _0\"></span>ation) and i<span class=\"_ _0\"></span>s perfo<span class=\"_ _0\"></span>rmed at the count<span class=\"_ _0\"></span>erparty l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> on a perio<span class=\"_ _0\"></span>dic basis. T<span class=\"_ _0\"></span>he cri<span class=\"_ _0\"></span>teria used t<span class=\"_ _0\"></span>o identif<span class=\"_ _0\"></span>y SICR ar<span class=\"_ _1\"></span>e mon<span class=\"_ _1\"></span>itored<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> revie<span class=\"_ _1\"></span>wed per<span class=\"_ _1\"></span>iod<span class=\"_ _1\"></span>ically<span class=\"_ _1\"></span> for a<span class=\"_ _1\"></span><span class=\"ls8 ws3c\">ppropriat<span class=\"_ _0\"></span>eness by the<span class=\"_ _0\"></span> independe<span class=\"_ _0\"></span>nt Risk Manag<span class=\"_ _0\"></span>ement </span>function.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>As a backsto<span class=\"_ _0\"></span>p, and as r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>d by IFRS<span class=\"_ _0\"></span> 9, the G<span class=\"_ _0\"></span>roup presu<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>vely consi<span class=\"_ _0\"></span>ders that a S<span class=\"_ _0\"></span>IC<span class=\"_ _0\"></span>R occur<span class=\"_ _0\"></span>s when an asset i<span class=\"_ _0\"></span>s past d<span class=\"_ _0\"></span>ue<span class=\"ls1 ws1\"> <span class=\"ls7 ws26\">b<span class=\"_ _0\"></span>y 30 days or m<span class=\"_ _0\"></span>ore<span class=\"ls8 ws15\">. T<span class=\"_ _0\"></span>he Group det<span class=\"_ _0\"></span>ermine<span class=\"_ _0\"></span>s days past due by c<span class=\"_ _0\"></span>ounting the<span class=\"_ _11\"></span> number of days<span class=\"_ _0\"></span> </span></span></span>sinc<span class=\"_ _1\"></span>e the earl<span class=\"_ _1\"></span>iest ela<span class=\"_ _1\"></span>psed d<span class=\"_ _1\"></span>ue da<span class=\"_ _1\"></span>te in res<span class=\"_ _1\"></span>pect of wh<span class=\"_ _1\"></span>ich fu<span class=\"_ _1\"></span>ll pa<span class=\"_ _1\"></span>yment h<span class=\"_ _1\"></span>as n<span class=\"_ _1\"></span>ot been<span class=\"_ _1\"></span> receive<span class=\"_ _1\"></span>d.<span class=\"ls1 ws1\"> </span>In the case<span class=\"_ _0\"></span> of othe<span class=\"_ _0\"></span>r fina<span class=\"_ _0\"></span>ncial assets (i<span class=\"_ _0\"></span>ncluding<span class=\"_ _0\"></span> loans and<span class=\"_ _0\"></span> advance<span class=\"_ _0\"></span>s to banks and i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents in de<span class=\"_ _0\"></span>bt securities), t<span class=\"_ _1\"></span>he Group applies the low cred<span class=\"_ _1\"></span>it risk simplificati<span class=\"_ _1\"></span>on to all its expos<span class=\"_ _1\"></span>ures considered \u2018inv<span class=\"_ _1\"></span>estment<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>grade\u2019,<span class=\"_ _0\"></span> thus the<span class=\"_ _0\"></span>y are<span class=\"_ _0\"></span> not s<span class=\"_ _0\"></span>ubject t<span class=\"_ _0\"></span>o the SI<span class=\"_ _0\"></span>CR<span class=\"ls1 ws1\">  <span class=\"ls5 ws2f\">assess<span class=\"_ _1\"></span>ment. Mo<span class=\"_ _1\"></span>ving fr<span class=\"_ _1\"></span>om \u2018inv<span class=\"_ _1\"></span>estment</span>-<span class=\"ls7 ws7d\">grade\u2019 to \u2018non</span>-<span class=\"_ _bc\"> </span></span>investme<span class=\"_ _0\"></span>nt grade<span class=\"_ _0\"></span>\u2019 does not a<span class=\"_ _0\"></span>utoma<span class=\"_ _0\"></span>ticall<span class=\"_ _0\"></span>y mean tha<span class=\"_ _0\"></span>t there<span class=\"_ _0\"></span> has been a SIC<span class=\"_ _0\"></span>R.<span class=\"ls1 ws1\"> </span>2.3.4.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Definit<span class=\"_ _1\"></span>ion of defau<span class=\"_ _1\"></span>lt and credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">impaired<span class=\"_ _1\"></span> asset<span class=\"_ _1\"></span>s</span> </span></span>The Grou<span class=\"_ _1\"></span>p\u2019s a<span class=\"_ _1\"></span>ssess<span class=\"_ _1\"></span>ment to determ<span class=\"_ _1\"></span>ine th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> of increa<span class=\"_ _1\"></span>se in cr<span class=\"_ _1\"></span>edit risk<span class=\"_ _1\"></span> of a finan<span class=\"_ _1\"></span>cial instr<span class=\"_ _1\"></span>ument s<span class=\"_ _1\"></span>ince initial recogn<span class=\"_ _1\"></span>ition is perfor<span class=\"_ _1\"></span>med by<span class=\"_ _1\"></span> considering th<span class=\"_ _1\"></span>e change in the ris<span class=\"_ _1\"></span>k of default occu<span class=\"_ _1\"></span>rring over th<span class=\"_ _1\"></span>e remaining life of th<span class=\"_ _1\"></span>e fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> instr<span class=\"_ _1\"></span>umen<span class=\"_ _1\"></span>t. As a<span class=\"_ _1\"></span> <span class=\"ls8 wsa\">result, t<span class=\"_ _11\"></span>he definition of de<span class=\"_ _0\"></span>fault i<span class=\"_ _0\"></span>s importa<span class=\"_ _0\"></span>nt.<span class=\"ls1 ws1\"> </span></span>The Group appl<span class=\"_ _0\"></span>ies the<span class=\"_ _0\"></span> defi<span class=\"_ _0\"></span>nition of def<span class=\"_ _0\"></span>ault in a manne<span class=\"_ _0\"></span>r consistent w<span class=\"_ _0\"></span>ith inte<span class=\"_ _0\"></span>rnal cr<span class=\"_ _0\"></span>edit risk m<span class=\"_ _0\"></span>anageme<span class=\"_ _0\"></span>nt practic<span class=\"_ _0\"></span>es for t<span class=\"_ _0\"></span>he rele<span class=\"_ _0\"></span>vant instrume<span class=\"_ _0\"></span>nts and the de<span class=\"_ _0\"></span>fini<span class=\"_ _0\"></span>tion conside<span class=\"_ _0\"></span>rs qualita<span class=\"_ _0\"></span>tive and qu<span class=\"_ _0\"></span>antitati<span class=\"_ _0\"></span>ve fac<span class=\"_ _0\"></span>tors where ap<span class=\"_ _1\"></span>prop<span class=\"_ _1\"></span>riate.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup dete<span class=\"_ _0\"></span>rmines that<span class=\"_ _0\"></span> a financ<span class=\"_ _0\"></span>ial instrum<span class=\"_ _0\"></span>ent is c<span class=\"_ _0\"></span>redit<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws3c\">impaired (<span class=\"_ _0\"></span>in def<span class=\"_ _0\"></span>ault and in \u2018S<span class=\"_ _0\"></span>tage 3<span class=\"_ _0\"></span>\u2019 for IF<span class=\"_ _0\"></span>RS 9 </span></span>purposes) by<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>ring re<span class=\"_ _0\"></span>levant objec<span class=\"_ _0\"></span>tive e<span class=\"_ _0\"></span>vidence<span class=\"_ _0\"></span>, primari<span class=\"_ _0\"></span>ly whe<span class=\"_ _0\"></span>ther:<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws3c\">contrac<span class=\"_ _0\"></span>tual payme<span class=\"_ _0\"></span>nts of e<span class=\"_ _0\"></span>ither pr<span class=\"_ _0\"></span>incipal<span class=\"_ _0\"></span> or inter<span class=\"_ _0\"></span>est are<span class=\"_ _0\"></span> past due fo<span class=\"_ _0\"></span>r <span class=\"ls6 wsd\">90 days or <span class=\"ls5 ws22\">mo<span class=\"_ _1\"></span>re for an<span class=\"_ _1\"></span>y mater<span class=\"_ _1\"></span>ial </span></span></span>credit obligat<span class=\"_ _1\"></span>ions to t<span class=\"_ _1\"></span>he Group;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws56\">there<span class=\"_ _0\"></span> are othe<span class=\"_ _0\"></span>r indicati<span class=\"_ _0\"></span>ons that the bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>r is unlike<span class=\"_ _0\"></span>ly to pay such as tha<span class=\"_ _0\"></span>t a conce<span class=\"_ _0\"></span>ssion has be<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span> </span>granted to the borrower for econom<span class=\"_ _0\"></span>ic or legal reasons of an enduring nature relati<span class=\"_ _0\"></span>ng to the borrower\u2019s financial con<span class=\"_ _1\"></span>dition, wh<span class=\"_ _1\"></span>ich indicates the borro<span class=\"_ _1\"></span>wer is in significant finan<span class=\"_ _1\"></span>cial difficulty (un<span class=\"_ _1\"></span>likeliness to pay criteria); and<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the loan i<span class=\"_ _0\"></span>s otherw<span class=\"_ _0\"></span>ise co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d to be in de<span class=\"_ _0\"></span>fault i<span class=\"_ _0\"></span>n line w<span class=\"_ _0\"></span>ith an instrum<span class=\"_ _0\"></span>ent\u2019s te<span class=\"_ _0\"></span>rms and<span class=\"_ _0\"></span> conditi<span class=\"_ _0\"></span>ons.<span class=\"ls1 ws1\"> </span></span>Therefo<span class=\"_ _1\"></span>re, th<span class=\"_ _1\"></span>e defin<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span>s of c<span class=\"_ _1\"></span>redit<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">impaired and defa<span class=\"_ _0\"></span>ult are ali<span class=\"_ _0\"></span>gned so that \u2018S<span class=\"_ _0\"></span>tage<span class=\"_ _0\"></span> 3\u2019 represe<span class=\"_ _0\"></span>nts all lo<span class=\"_ _0\"></span>ans </span></span>which ar<span class=\"_ _0\"></span>e conside<span class=\"_ _0\"></span>red de<span class=\"_ _0\"></span>faulted or<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">impa<span class=\"_ _1\"></span>ired.<span class=\"_ _1\"></span></span> </span>In assessi<span class=\"_ _0\"></span>ng whet<span class=\"_ _0\"></span>her a borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span> is in def<span class=\"_ _0\"></span>ault, the<span class=\"_ _0\"></span> Group will<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>r indicat<span class=\"_ _0\"></span>ors that are<span class=\"_ _11\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws8\">qualitati<span class=\"_ _1\"></span>ve <span class=\"_ _10\"> </span></span>\u2013 <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">such as non</span>-<span class=\"ls8 ws5c\">adhere<span class=\"_ _0\"></span>nce to term<span class=\"_ _0\"></span>s and conditions of<span class=\"_ _0\"></span> sanction a<span class=\"_ _0\"></span>nd/or othe<span class=\"_ _0\"></span>r breac<span class=\"_ _0\"></span>hes of </span>covenants, ove<span class=\"_ _0\"></span>rdue s<span class=\"_ _0\"></span>tatus an<span class=\"_ _0\"></span>d non<span class=\"ls1 ws1\">-<span class=\"ls7\">payme<span class=\"_ _0\"></span>nt of another obl<span class=\"_ _0\"></span>igation of the sam<span class=\"_ _0\"></span>e obligor to the G<span class=\"_ _0\"></span>roup; <span class=\"ls1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls9 wsa\">quantitative </span>\u2013 <span class=\"ls8 wsa\">such as chang<span class=\"_ _0\"></span>es in proba<span class=\"_ _0\"></span>bili<span class=\"_ _0\"></span>ties of<span class=\"_ _0\"></span> defaul<span class=\"_ _0\"></span>t; and<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">based on data<span class=\"_ _0\"></span> deve<span class=\"_ _0\"></span>loped inte<span class=\"_ _0\"></span>rnally a<span class=\"_ _0\"></span>nd obtai<span class=\"_ _0\"></span>ned from<span class=\"_ _0\"></span> externa<span class=\"_ _0\"></span>l source<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></span>The de<span class=\"_ _0\"></span>fault de<span class=\"_ _0\"></span>finit<span class=\"_ _0\"></span>ion has bee<span class=\"_ _0\"></span>n applied c<span class=\"_ _0\"></span>onsiste<span class=\"_ _0\"></span>ntly to m<span class=\"_ _0\"></span>odel<span class=\"_ _0\"></span> the Pro<span class=\"_ _0\"></span>bability of<span class=\"_ _0\"></span> Def<span class=\"_ _0\"></span>ault (\u2018P<span class=\"_ _0\"></span>D\u2019), Exposur<span class=\"_ _0\"></span>e at<span class=\"_ _0\"></span> Default (\u2018EAD\u2019) a<span class=\"_ _1\"></span>nd Loss<span class=\"_ _1\"></span> Given Default (\u2018LG<span class=\"_ _1\"></span>D\u2019) through<span class=\"_ _1\"></span>out the Bank\u2019s<span class=\"_ _1\"></span> expected loss<span class=\"_ _1\"></span> calculations<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>As referred to<span class=\"_ _1\"></span> previousl<span class=\"_ _1\"></span>y, existing geopolit<span class=\"_ _1\"></span>ical conditio<span class=\"_ _1\"></span>ns as well as<span class=\"_ _1\"></span> the current <span class=\"ls5 ws7\">mar<span class=\"_ _1\"></span>ket<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws11\">environments and </span></span></span>the co<span class=\"_ _1\"></span>nsequ<span class=\"_ _1\"></span>entia<span class=\"_ _1\"></span>l econo<span class=\"_ _1\"></span>mic impact<span class=\"_ _1\"></span>s hav<span class=\"_ _1\"></span>e cont<span class=\"_ _1\"></span>inued to give r<span class=\"_ _1\"></span>ise to an<span class=\"_ _1\"></span> elevated<span class=\"_ _1\"></span> level of un<span class=\"_ _1\"></span>certain<span class=\"_ _1\"></span>ty, particul<span class=\"_ _0\"></span>arly wi<span class=\"_ _0\"></span>th respec<span class=\"_ _0\"></span>t to the ide<span class=\"_ _0\"></span>ntificati<span class=\"_ _0\"></span>on of custom<span class=\"_ _0\"></span>ers that woul<span class=\"_ _0\"></span>d have showe<span class=\"_ _0\"></span>d signs of<span class=\"_ _0\"></span> unlikene<span class=\"_ _0\"></span>ss<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"_ _bc\"> </span></span>pay (\u2018UT<span class=\"_ _0\"></span>P\u2019). The<span class=\"_ _0\"></span> Bank perform<span class=\"_ _0\"></span>s <span class=\"ls5 ws12f\">ass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>ts to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine wh<span class=\"_ _1\"></span>ether<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>rrent<span class=\"_ _1\"></span> macr<span class=\"_ _1\"></span>o<span class=\"ls1 ws1\">-</span><span class=\"ws7\">econ<span class=\"_ _1\"></span>omic<span class=\"_ _1\"></span> </span></span>circumstan<span class=\"_ _1\"></span>ces may trans<span class=\"_ _1\"></span>form into lo<span class=\"_ _1\"></span>ng<span class=\"ls1 ws1\">-</span>term borro<span class=\"_ _1\"></span>wer financial d<span class=\"_ _1\"></span>ifficulties, t<span class=\"_ _1\"></span>hereby poten<span class=\"_ _1\"></span>tially requirin<span class=\"_ _1\"></span>g a<span class=\"ls1 ws1\"> </span>downgrade o<span class=\"_ _1\"></span>f individu<span class=\"_ _1\"></span>al expos<span class=\"_ _1\"></span>ures or expos<span class=\"_ _1\"></span>ures sha<span class=\"_ _1\"></span>ring similar credit r<span class=\"_ _1\"></span>isk chara<span class=\"_ _1\"></span>cteristics<span class=\"_ _1\"></span> to Stage 3 to<span class=\"_ _1\"></span> reflect<span class=\"_ _1\"></span> the lev<span class=\"_ _1\"></span>el of ch<span class=\"_ _1\"></span>ange in<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k.  <span class=\"ls1 ws1\"> </span>Except f<span class=\"_ _0\"></span>or for<span class=\"_ _0\"></span>borne e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span>s, an in<span class=\"_ _0\"></span>strum<span class=\"_ _0\"></span>ent is<span class=\"_ _0\"></span> consider<span class=\"_ _0\"></span>ed to<span class=\"_ _0\"></span> no long<span class=\"_ _0\"></span>er be<span class=\"_ _0\"></span> in de<span class=\"_ _0\"></span>fault (<span class=\"_ _0\"></span>i.e. t<span class=\"_ _0\"></span>o have be<span class=\"_ _0\"></span>en cured<span class=\"_ _1\"></span>) when it n<span class=\"_ _1\"></span>o lon<span class=\"_ _1\"></span>ger meets a<span class=\"_ _1\"></span>ny of the defa<span class=\"_ _1\"></span>ult cr<span class=\"_ _1\"></span>iteria fo<span class=\"_ _1\"></span>r a consec<span class=\"_ _1\"></span>utive p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> of three mon<span class=\"_ _1\"></span>ths.<span class=\"_ _1\"></span> This period has<span class=\"_ _0\"></span> bee<span class=\"_ _0\"></span>n deter<span class=\"_ _0\"></span>mined ba<span class=\"_ _0\"></span>sed on an<span class=\"_ _0\"></span> analy<span class=\"_ _0\"></span>s<span class=\"ls6 ws1c\">is which consid<span class=\"_ _1\"></span>ers the likelihood o<span class=\"_ _1\"></span>f a financial instru<span class=\"_ _1\"></span>ment </span>returni<span class=\"_ _0\"></span>ng to def<span class=\"_ _0\"></span>ault status af<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>r cure<span class=\"_ _0\"></span> using diff<span class=\"_ _0\"></span>erent possibl<span class=\"_ _11\"></span>e cure definit<span class=\"_ _0\"></span>ions.<span class=\"ls1 ws1\"> </span>In the case<span class=\"_ _0\"></span> of f<span class=\"_ _0\"></span>orborne e<span class=\"_ _0\"></span>xposures, the c<span class=\"_ _0\"></span>ure pe<span class=\"_ _0\"></span>riod com<span class=\"_ _0\"></span>prises 12 c<span class=\"_ _0\"></span>onsecuti<span class=\"_ _0\"></span>ve monthl<span class=\"_ _0\"></span>y repayment<span class=\"_ _0\"></span>s made in a timely<span class=\"_ _1\"></span> man<span class=\"_ _1\"></span>ner with<span class=\"_ _1\"></span> a min<span class=\"_ _1\"></span>imal g<span class=\"_ _1\"></span>race p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>f on<span class=\"_ _1\"></span>e day (i<span class=\"_ _1\"></span>.e. one o<span class=\"_ _1\"></span>r mor<span class=\"_ _1\"></span>e repa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span> may<span class=\"_ _1\"></span> be made n<span class=\"_ _1\"></span>o more than one day late)<span class=\"_ _0\"></span>.<span class=\"ls1\"> </span>The G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs other<span class=\"_ _0\"></span> financial a<span class=\"_ _0\"></span>ssets to be i<span class=\"_ _0\"></span>n defaul<span class=\"_ _0\"></span>t when a pa<span class=\"_ _0\"></span>yment due<span class=\"_ _0\"></span> including a c<span class=\"_ _0\"></span>oupon paymen<span class=\"_ _1\"></span>t is n<span class=\"_ _1\"></span>ot effected<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>2.3.4.3  Measurin<span class=\"_ _1\"></span>g ECL <span class=\"ls1 ws1\">\u2013 <span class=\"ls8 wsa\">Explanation of input<span class=\"_ _0\"></span>s, assum<span class=\"_ _0\"></span>ption<span class=\"_ _0\"></span>s and estima<span class=\"_ _0\"></span>tion tec<span class=\"_ _0\"></span>hniques<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The Exp<span class=\"_ _1\"></span>ected <span class=\"_ _1\"></span>Credit L<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span> (\u2018ECL\u2019<span class=\"_ _1\"></span>) is meas<span class=\"_ _1\"></span>ured o<span class=\"_ _1\"></span>n eith<span class=\"_ _1\"></span>er a 12<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">month (12M) or on a l<span class=\"_ _0\"></span>ife<span class=\"_ _0\"></span>time basis dependi<span class=\"_ _0\"></span>ng </span></span>on whether a s<span class=\"_ _1\"></span>ignificant incr<span class=\"_ _1\"></span>ease in credit ris<span class=\"_ _1\"></span>k has occurred since in<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> or whether an ass<span class=\"_ _1\"></span>et is consider<span class=\"_ _0\"></span>ed to be c<span class=\"_ _0\"></span>redit<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">impai<span class=\"_ _1\"></span>red. <span class=\"_ _13\"></span><span class=\"ls1 ws1\">E<span class=\"ls8 ws1b\">xpected c<span class=\"_ _0\"></span>redit l<span class=\"_ _0\"></span>osses ar<span class=\"_ _0\"></span>e the di<span class=\"_ _0\"></span>scounted pr<span class=\"_ _0\"></span>oduct o<span class=\"_ _0\"></span>f the<span class=\"_ _0\"></span> Probabi<span class=\"_ _0\"></span>lity of </span></span></span></span>Default (\u2018PD\u2019), E<span class=\"_ _1\"></span>xposure at<span class=\"_ _1\"></span> Default (\u2018EAD\u2019) an<span class=\"_ _1\"></span>d Loss Given Default (\u2018LGD\u2019).<span class=\"_ _1\"></span> When calculati<span class=\"_ _1\"></span>ng the Ban<span class=\"_ _1\"></span>k\u2019s ECL, speci<span class=\"_ _1\"></span>al cons<span class=\"_ _1\"></span>idera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> were m<span class=\"_ _1\"></span>ade to<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ess th<span class=\"_ _1\"></span>e impact<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t eco<span class=\"_ _1\"></span>nomi<span class=\"_ _1\"></span><span class=\"ls6 ws1d\">c con<span class=\"ls8 ws15\">ditions. Furt<span class=\"_ _0\"></span>her det<span class=\"_ _0\"></span>ails </span></span>are set out in<span class=\"_ _1\"></span> note 2.3.4.4.<span class=\"ls1 ws1\"> </span>The EC<span class=\"_ _0\"></span>L is dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d by pro<span class=\"_ _0\"></span>jec<span class=\"_ _0\"></span>ting the<span class=\"_ _0\"></span> PD, EAD a<span class=\"_ _11\"></span>nd LGD for e<span class=\"_ _0\"></span>ach futur<span class=\"_ _0\"></span>e mont<span class=\"_ _0\"></span>h and fo<span class=\"_ _0\"></span>r e<span class=\"_ _0\"></span>ach individ<span class=\"_ _0\"></span>ual exposure<span class=\"_ _0\"></span>. These<span class=\"_ _0\"></span> three c<span class=\"_ _0\"></span>omponents are<span class=\"_ _0\"></span> multipl<span class=\"_ _0\"></span>ied tog<span class=\"_ _0\"></span>ether and adjuste<span class=\"_ _0\"></span>d for t<span class=\"_ _0\"></span>he like<span class=\"_ _0\"></span>lihood of survi<span class=\"_ _0\"></span>val (i.e<span class=\"_ _0\"></span>. the expo<span class=\"_ _0\"></span>sure has<span class=\"_ _0\"></span> not pre<span class=\"_ _0\"></span>paid o<span class=\"_ _0\"></span>r defa<span class=\"_ _0\"></span>ulted in an<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"ls5 ws3b\">ear<span class=\"_ _1\"></span>lier mon<span class=\"_ _1\"></span>th). Thi<span class=\"_ _1\"></span>s effectiv<span class=\"_ _1\"></span>ely cal<span class=\"_ _1\"></span>culates<span class=\"_ _1\"></span> an E<span class=\"_ _1\"></span>CL for each </span></span>future m<span class=\"_ _0\"></span>onth, which i<span class=\"_ _0\"></span>s then discounted ba<span class=\"_ _0\"></span>ck to the<span class=\"_ _0\"></span> reporti<span class=\"_ _0\"></span>ng date and summe<span class=\"_ _0\"></span>d. The discount rate<span class=\"_ _0\"></span> used in<span class=\"_ _0\"></span> the ECL calcu<span class=\"_ _1\"></span>lation is th<span class=\"_ _1\"></span>e original effectiv<span class=\"_ _1\"></span>e interest ra<span class=\"_ _1\"></span>te or an app<span class=\"_ _1\"></span>roximation th<span class=\"_ _1\"></span>ereof.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>The 12<span class=\"ls1 ws1\">-<span class=\"_ _1\"></span><span class=\"ls6 wsd\">month ECL is calcu<span class=\"_ _1\"></span>lated by multiply<span class=\"_ _1\"></span>ing the 12</span>-<span class=\"ls6 wsd\">month PD,<span class=\"_ _1\"></span> LGD, and EAD. Lifetime ECL is<span class=\"_ _1\"></span> calculated </span></span>on a s<span class=\"_ _1\"></span>imilar<span class=\"_ _1\"></span> basis<span class=\"_ _1\"></span> for th<span class=\"_ _1\"></span>e residua<span class=\"_ _1\"></span>l life of th<span class=\"_ _1\"></span>e expos<span class=\"_ _1\"></span>ure.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The PD, E<span class=\"_ _1\"></span>AD and<span class=\"_ _1\"></span> LGD pa<span class=\"_ _1\"></span>rameters<span class=\"_ _1\"></span> are deri<span class=\"_ _1\"></span>ved fro<span class=\"_ _1\"></span>m int<span class=\"_ _1\"></span>erna<span class=\"_ _1\"></span>lly dev<span class=\"_ _1\"></span>eloped<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>istica<span class=\"_ _1\"></span>l models a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her historical data, adjusted to re<span class=\"_ _0\"></span>flec<span class=\"_ _0\"></span>t forward<span class=\"ls1\">-</span>looking inf<span class=\"_ _0\"></span>ormation as described below. <span class=\"ls1\"> </span>The PD represen<span class=\"_ _1\"></span>ts the likelih<span class=\"_ _1\"></span>ood of a b<span class=\"_ _1\"></span>orrower defaultin<span class=\"_ _1\"></span>g on its<span class=\"_ _1\"></span> financial ob<span class=\"_ _1\"></span>ligation (as<span class=\"_ _1\"></span> per \u2018definition of default<span class=\"_ _0\"></span> and credi<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">impaired<span class=\"_ _1\"></span>\u2019 ab<span class=\"_ _1\"></span>ove),<span class=\"_ _1\"></span> either o<span class=\"_ _1\"></span>ver the n<span class=\"_ _1\"></span>ext 12 mont<span class=\"_ _1\"></span>hs (12<span class=\"_ _1\"></span>M PD), or<span class=\"_ _1\"></span> over th<span class=\"_ _1\"></span>e remain<span class=\"_ _1\"></span>ing </span></span>lifeti<span class=\"_ _1\"></span>me (Lifet<span class=\"_ _1\"></span>ime PD<span class=\"_ _1\"></span>) of th<span class=\"_ _1\"></span>e obliga<span class=\"_ _1\"></span>tion.<span class=\"_ _1\"></span> Accor<span class=\"ls6 ws5a\">d<span class=\"_ _1\"></span>ingly, the 12<span class=\"ls1 ws1\">-</span></span>mon<span class=\"_ _1\"></span>th an<span class=\"_ _1\"></span>d lifeti<span class=\"_ _1\"></span>me PDs<span class=\"_ _1\"></span> represen<span class=\"_ _1\"></span>t the Probabili<span class=\"_ _0\"></span>ty of De<span class=\"_ _0\"></span>fault o<span class=\"_ _0\"></span>ccurring ove<span class=\"_ _0\"></span>r the ne<span class=\"_ _0\"></span>xt 12 m<span class=\"_ _0\"></span>onths and the r<span class=\"_ _0\"></span>emai<span class=\"_ _0\"></span>ning ma<span class=\"_ _0\"></span>turity of<span class=\"_ _0\"></span> the instrum<span class=\"_ _0\"></span>ent, respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span>PD estimate<span class=\"_ _0\"></span>s are estimate<span class=\"_ _0\"></span>s at a certain date, w<span class=\"_ _0\"></span>hich, for the l<span class=\"_ _0\"></span>oans and advances to cu<span class=\"_ _0\"></span>stomers, are c<span class=\"_ _0\"></span>alculated based on statistical rating<span class=\"_ _0\"></span> models and assessed u<span class=\"_ _0\"></span>sing rating tool<span class=\"_ _0\"></span>s tailored to the vario<span class=\"_ _0\"></span>us categorie<span class=\"_ _0\"></span>s of counterpa<span class=\"_ _0\"></span>rties and e<span class=\"_ _0\"></span>xposures.<span class=\"_ _0\"></span> These<span class=\"_ _0\"></span> statis<span class=\"ls6 wsd\">tical models a<span class=\"_ _1\"></span>re based<span class=\"_ _1\"></span> on internal<span class=\"_ _1\"></span>ly<span class=\"ls1 ws1\">-</span>compiled <span class=\"_ _1\"></span>data comp<span class=\"_ _1\"></span>rising </span>both quanti<span class=\"_ _0\"></span>tative an<span class=\"_ _0\"></span>d qualit<span class=\"_ _0\"></span>ative<span class=\"_ _0\"></span> facto<span class=\"_ _0\"></span>rs. The<span class=\"_ _0\"></span> PD calc<span class=\"_ _0\"></span>ulation i<span class=\"_ _0\"></span>s based on <span class=\"_ _0\"></span>a tran<span class=\"_ _0\"></span>sition m<span class=\"_ _0\"></span>atri<span class=\"_ _0\"></span>x approac<span class=\"_ _0\"></span>h. The main assumpt<span class=\"_ _0\"></span>ions un<span class=\"_ _0\"></span>derlyi<span class=\"_ _0\"></span>ng such <span class=\"_ _0\"></span>approach<span class=\"_ _0\"></span> <span class=\"lsa ws24\">are<span class=\"ls1 ws1\"> <span class=\"_ _1d\"> </span></span></span>that th<span class=\"_ _0\"></span>e PD de<span class=\"_ _0\"></span>pends on<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>particul<span class=\"_ _0\"></span>ar pe<span class=\"ls5 ws32\">riod after </span>origination (\u2018months on book\u2019) and the curr<span class=\"_ _0\"></span>ent characteristics of the ex<span class=\"_ _0\"></span>posure or borrower. Default is consider<span class=\"_ _0\"></span>ed to be an<span class=\"_ _0\"></span> abso<span class=\"_ _0\"></span>rbing<span class=\"_ _0\"></span> state, w<span class=\"_ _0\"></span>here<span class=\"_ _0\"></span>by if an e<span class=\"_ _0\"></span>xposu<span class=\"_ _0\"></span>re is de<span class=\"_ _0\"></span>faulte<span class=\"_ _0\"></span>d, it re<span class=\"_ _0\"></span>mains in<span class=\"_ _0\"></span> thi<span class=\"_ _0\"></span>s state<span class=\"_ _0\"></span> during futur<span class=\"_ _1\"></span>e years<span class=\"_ _1\"></span>. Market<span class=\"_ _1\"></span> data<span class=\"_ _1\"></span> is used<span class=\"_ _1\"></span> fo<span class=\"ls8 wsa\">r the PD of<span class=\"_ _0\"></span> loans and a<span class=\"_ _0\"></span>dvanc<span class=\"_ _0\"></span>es to bank<span class=\"_ _0\"></span>s and inve<span class=\"_ _0\"></span>stment se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>es. If<span class=\"_ _0\"></span> a </span>counterpa<span class=\"_ _1\"></span>rty or expos<span class=\"_ _1\"></span>ure migrates between int<span class=\"_ _1\"></span>ernal rating <span class=\"_ _1\"></span>grades or ext<span class=\"_ _1\"></span>ernal credit ratin<span class=\"_ _1\"></span>gs, th<span class=\"_ _1\"></span>en this will lead to a change in the<span class=\"_ _0\"></span> associated PD.<span class=\"_ _0\"></span><span class=\"ls1\"> </span>The 12 month<span class=\"_ _1\"></span> and lifetime PDs<span class=\"_ _1\"></span> are developed b<span class=\"_ _1\"></span>y utilisin<span class=\"_ _1\"></span>g statistical metho<span class=\"_ _1\"></span>dologies to<span class=\"_ _1\"></span> analyse hist<span class=\"_ _1\"></span>orical observed data to e<span class=\"_ _0\"></span>stimate the probabili<span class=\"_ _0\"></span>ty of a borrow<span class=\"_ _0\"></span>er\u2019s transition from<span class=\"_ _0\"></span> one internal r<span class=\"_ _0\"></span>ating class to<span class=\"_ _0\"></span> another (o<span class=\"_ _1\"></span>r of staying in the same class<span class=\"_ _1\"></span>) within<span class=\"ls1 ws1\"> <span class=\"ls8 ws2d\">a given horizo<span class=\"_ _0\"></span>n. The c<span class=\"_ _0\"></span>onditional<span class=\"_ _0\"></span> PD is<span class=\"_ _0\"></span> adjuste<span class=\"_ _0\"></span>d to con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span> </span></span>forward<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls7\">looking information through macro</span>-<span class=\"_ _0\"></span><span class=\"ls6 ws7\">economic mod<span class=\"_ _1\"></span>elling.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span>EAD repr<span class=\"_ _0\"></span>esents the<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>cted exposur<span class=\"_ _0\"></span>e in the<span class=\"_ _0\"></span> event of<span class=\"_ _0\"></span> a d<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>ault (inc<span class=\"_ _0\"></span>luding any e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted drawdow<span class=\"_ _0\"></span>ns of committ<span class=\"_ _1\"></span>ed fac<span class=\"_ _1\"></span>iliti<span class=\"_ _1\"></span>es). The Gr<span class=\"_ _1\"></span>oup<span class=\"_ _1\"></span> deriv<span class=\"_ _1\"></span>es the EAD<span class=\"_ _1\"></span> from the cu<span class=\"_ _1\"></span>rrent<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ure to t<span class=\"_ _1\"></span>he count<span class=\"_ _1\"></span>erpart<span class=\"_ _1\"></span>y and potential<span class=\"_ _0\"></span> change<span class=\"_ _0\"></span>s to the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt amount al<span class=\"_ _0\"></span>lowe<span class=\"_ _0\"></span>d under th<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws49\">contract. The E<span class=\"_ _1\"></span>AD of a financial a<span class=\"_ _1\"></span>sset is the </span></span>gross carrying amount at <span class=\"_ _0\"></span>default.<span class=\"ls1\"> </span>EAD is<span class=\"_ _1\"></span> bas<span class=\"_ _1\"></span>ed on t<span class=\"_ _1\"></span>he amou<span class=\"_ _1\"></span>nts t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p exp<span class=\"_ _1\"></span>ects to<span class=\"_ _1\"></span> be o<span class=\"_ _1\"></span>wed at<span class=\"_ _1\"></span> the ti<span class=\"_ _1\"></span>me of de<span class=\"_ _1\"></span>fault<span class=\"_ _1\"></span>, over<span class=\"_ _1\"></span> the n<span class=\"_ _1\"></span>ext 1<span class=\"_ _1\"></span>2 month<span class=\"_ _1\"></span>s (12M EA<span class=\"_ _1\"></span>D) or ov<span class=\"_ _1\"></span>er the re<span class=\"_ _1\"></span>main<span class=\"_ _1\"></span>ing li<span class=\"_ _1\"></span>fetime (L<span class=\"_ _1\"></span>ifeti<span class=\"_ _1\"></span>me EAD). <span class=\"_ _1\"></span>For exa<span class=\"_ _1\"></span>mple, fo<span class=\"_ _1\"></span>r a revo<span class=\"_ _1\"></span>lving<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment,<span class=\"_ _1\"></span> the Group inc<span class=\"_ _0\"></span>ludes the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt drawn bal<span class=\"_ _0\"></span>ance plus any<span class=\"ls1 ws1\"> </span>f<span class=\"_ _0\"></span>urthe<span class=\"_ _0\"></span>r amount<span class=\"_ _0\"></span> that is expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d to be draw<span class=\"_ _0\"></span>n up to the<span class=\"_ _11\"></span> current<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>tual lim<span class=\"_ _0\"></span>it by the t<span class=\"_ _0\"></span>ime of de<span class=\"_ _0\"></span>fault,<span class=\"_ _0\"></span> should it oc<span class=\"_ _0\"></span>cur. <span class=\"ls1 ws1\"> </span>The 1<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">mont<span class=\"_ _1\"></span>h and<span class=\"_ _1\"></span> lifeti<span class=\"_ _1\"></span>me EAD<span class=\"_ _1\"></span>s are d<span class=\"_ _1\"></span>etermin<span class=\"_ _1\"></span>ed ba<span class=\"_ _1\"></span>sed on<span class=\"_ _1\"></span> th<span class=\"_ _1\"></span>e expect<span class=\"_ _1\"></span>ed pay<span class=\"_ _1\"></span>ment p<span class=\"_ _1\"></span>rofil<span class=\"_ _1\"></span>e, whi<span class=\"_ _1\"></span>ch var<span class=\"_ _1\"></span>ies by<span class=\"_ _1\"></span> </span></span>product type<span class=\"_ _0\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">for am<span class=\"_ _0\"></span>ortising<span class=\"_ _0\"></span> products<span class=\"_ _0\"></span> and b<span class=\"_ _0\"></span>ullet<span class=\"_ _0\"></span> repaym<span class=\"_ _0\"></span>ent loans, thi<span class=\"_ _11\"></span>s is based on<span class=\"_ _0\"></span> the contr<span class=\"_ _0\"></span>actual r<span class=\"_ _0\"></span>epaym<span class=\"_ _0\"></span>ents ow<span class=\"_ _0\"></span>ed </span>by th<span class=\"_ _1\"></span>e borr<span class=\"_ _1\"></span>ower over<span class=\"_ _1\"></span> a 12<span class=\"ls1 ws1\">-</span>mon<span class=\"_ _1\"></span>th or<span class=\"_ _1\"></span> lifetime ba<span class=\"_ _1\"></span>sis;<span class=\"_ _1\"></span> and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws53\">for re<span class=\"_ _0\"></span>volving pr<span class=\"_ _0\"></span>oduct<span class=\"_ _0\"></span>s, the Ex<span class=\"_ _11\"></span>posure at Def<span class=\"_ _0\"></span>ault is <span class=\"_ _0\"></span>predic<span class=\"_ _0\"></span>ted by taki<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>urrent dr<span class=\"_ _0\"></span>awn<span class=\"_ _0\"></span> balanc<span class=\"_ _0\"></span>e and ad<span class=\"_ _0\"></span>ding<span class=\"_ _0\"></span> </span>a \u2018cred<span class=\"_ _1\"></span>it con<span class=\"_ _1\"></span>versi<span class=\"_ _1\"></span>on fact<span class=\"_ _1\"></span>or\u2019 w<span class=\"_ _1\"></span>hich<span class=\"_ _1\"></span> allows<span class=\"_ _1\"></span> for th<span class=\"_ _1\"></span>e exp<span class=\"_ _1\"></span>ected d<span class=\"_ _1\"></span>rawd<span class=\"_ _1\"></span>own of<span class=\"_ _1\"></span> the r<span class=\"_ _1\"></span>emaini<span class=\"_ _1\"></span>ng li<span class=\"_ _1\"></span>mit b<span class=\"_ _1\"></span>y the t<span class=\"_ _1\"></span>ime of def<span class=\"_ _0\"></span>ault. These<span class=\"_ _0\"></span> assumptions var<span class=\"_ _0\"></span>y by produc<span class=\"_ _0\"></span>t type and cur<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>nt lim<span class=\"_ _0\"></span>it utili<span class=\"_ _0\"></span>sation band, base<span class=\"_ _0\"></span>d on analysi<span class=\"_ _0\"></span>s of the Gr<span class=\"_ _1\"></span>oup's<span class=\"_ _1\"></span> recent d<span class=\"_ _1\"></span>efau<span class=\"_ _1\"></span>lt dat<span class=\"_ _1\"></span>a.<span class=\"ls1 ws1\"> </span>The Los<span class=\"_ _1\"></span>s Given<span class=\"_ _1\"></span> Default<span class=\"_ _1\"></span> (\u2018L<span class=\"_ _1\"></span>GD\u2019) rep<span class=\"_ _1\"></span>resen<span class=\"_ _1\"></span>ts th<span class=\"_ _1\"></span>e Bank\u2019<span class=\"_ _1\"></span>s expect<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the ex<span class=\"_ _1\"></span>tent of l<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>s on a<span class=\"_ _1\"></span> defaul<span class=\"_ _1\"></span>ted expos<span class=\"_ _1\"></span>ure. H<span class=\"_ _1\"></span>ence, th<span class=\"_ _1\"></span>e LGD repres<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> expected<span class=\"_ _1\"></span> credit l<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span>es on the E<span class=\"_ _1\"></span>AD giv<span class=\"_ _1\"></span>en the ev<span class=\"_ _1\"></span>ent of defaul<span class=\"_ _1\"></span>t, tak<span class=\"_ _1\"></span>ing into accou<span class=\"_ _1\"></span>nt, among o<span class=\"_ _1\"></span>ther attributes,<span class=\"_ _1\"></span> the mitigating effect <span class=\"_ _1\"></span>of collateral v<span class=\"_ _1\"></span>alues at th<span class=\"_ _1\"></span>e time it is expected t<span class=\"_ _1\"></span>o be reali<span class=\"_ _1\"></span>sed an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e time value o<span class=\"_ _1\"></span>f money.<span class=\"_ _1\"></span> The 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>month a<span class=\"_ _1\"></span>nd lifet<span class=\"_ _1\"></span>ime LGD a<span class=\"_ _1\"></span>re deter<span class=\"_ _1\"></span>min<span class=\"_ _1\"></span>ed bas<span class=\"_ _1\"></span>ed on th<span class=\"_ _1\"></span>e factor<span class=\"_ _1\"></span>s which<span class=\"_ _1\"></span> impact<span class=\"_ _1\"></span> the reco<span class=\"_ _1\"></span>veri<span class=\"_ _1\"></span>es made p<span class=\"_ _1\"></span>ost d<span class=\"_ _1\"></span>efault<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>For secured p<span class=\"_ _1\"></span>roducts,<span class=\"_ _1\"></span> LGD is <span class=\"_ _1\"></span>primarily ba<span class=\"_ _1\"></span>sed on colla<span class=\"_ _1\"></span>teral <span class=\"_ _1\"></span>type and p<span class=\"_ _1\"></span>rojected collat<span class=\"_ _1\"></span>eral v<span class=\"_ _1\"></span>alues, his<span class=\"_ _1\"></span>torical discounts to market/<span class=\"_ _0\"></span>book values due to force<span class=\"_ _0\"></span>d sales, time to repossession and re<span class=\"_ _0\"></span>covery costs observe<span class=\"_ _0\"></span>d. The LGD for<span class=\"_ _1\"></span> expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> secur<span class=\"_ _1\"></span>ed by r<span class=\"_ _1\"></span>eal estat<span class=\"_ _1\"></span>e will be der<span class=\"_ _1\"></span>ived<span class=\"_ _1\"></span> from th<span class=\"_ _1\"></span>e adju<span class=\"_ _1\"></span>sted l<span class=\"_ _1\"></span>oan<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls7 wsc\">value ratio of the<span class=\"_ _0\"></span> </span></span>individual f<span class=\"_ _0\"></span>acili<span class=\"_ _0\"></span>ties, and t<span class=\"_ _0\"></span>akes i<span class=\"_ _0\"></span>nto account<span class=\"_ _0\"></span> the ex<span class=\"_ _0\"></span>pecte<span class=\"_ _0\"></span>d recovery by applyi<span class=\"_ _0\"></span>ng a cost<span class=\"_ _0\"></span>s to se<span class=\"_ _0\"></span>ll hairc<span class=\"_ _0\"></span>ut and a marke<span class=\"_ _0\"></span>t value hai<span class=\"_ _0\"></span>rcut to<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>propert<span class=\"_ _0\"></span>y value,<span class=\"_ _0\"></span> and by<span class=\"_ _0\"></span> disco<span class=\"_ _0\"></span>unting (<span class=\"_ _0\"></span>using t<span class=\"_ _0\"></span>he ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>tive i<span class=\"ls5 ws68\">nterest<span class=\"_ _1\"></span> rate) th<span class=\"_ _1\"></span>e </span>upd<span class=\"_ _1\"></span>ated ma<span class=\"_ _1\"></span>rket va<span class=\"_ _1\"></span>lue of th<span class=\"_ _1\"></span>e p<span class=\"_ _1\"></span>roper<span class=\"_ _1\"></span>ty after<span class=\"_ _1\"></span> haircu<span class=\"_ _1\"></span>ts,<span class=\"_ _1\"></span> over a <span class=\"_ _1\"></span>perio<span class=\"_ _1\"></span>d of ti<span class=\"_ _1\"></span>me equ<span class=\"_ _1\"></span>ival<span class=\"_ _1\"></span>ent to t<span class=\"_ _1\"></span>he p<span class=\"_ _1\"></span>erceiv<span class=\"_ _1\"></span>ed tim<span class=\"_ _1\"></span>e to sel<span class=\"_ _1\"></span>l. The LGD fo<span class=\"_ _1\"></span>r other<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ures i<span class=\"_ _1\"></span>s based on t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span>\u2019s percei<span class=\"_ _1\"></span>ved ris<span class=\"_ _1\"></span>k on th<span class=\"_ _1\"></span>e collatera<span class=\"_ _1\"></span>l. For u<span class=\"_ _1\"></span>nsecu<span class=\"_ _1\"></span>red products, LGDs are ty<span class=\"ls6 ws1f\">p<span class=\"_ _1\"></span>ically set at prod<span class=\"_ _1\"></span>uct level due to<span class=\"_ _1\"></span> the limited d<span class=\"_ _1\"></span>ifferentiat<span class=\"_ _1\"></span>ion of rec<span class=\"_ _1\"></span>overies achi<span class=\"_ _1\"></span>eved </span>acros<span class=\"_ _1\"></span>s differ<span class=\"_ _1\"></span>ent bo<span class=\"_ _1\"></span>rrowers<span class=\"_ _1\"></span>. Thes<span class=\"_ _1\"></span>e LGDs a<span class=\"_ _1\"></span>re influ<span class=\"_ _1\"></span>enced<span class=\"_ _1\"></span> by col<span class=\"_ _1\"></span>lection<span class=\"_ _1\"></span> stra<span class=\"_ _1\"></span>tegies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The ECL i<span class=\"_ _1\"></span>s mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> from t<span class=\"_ _1\"></span>he in<span class=\"_ _1\"></span>itial r<span class=\"_ _1\"></span>ecogn<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of the <span class=\"_ _1\"></span>fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>et. The maxi<span class=\"_ _1\"></span>mum p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> when mea<span class=\"_ _1\"></span>surin<span class=\"_ _1\"></span>g ECL (b<span class=\"_ _1\"></span>e it 12<span class=\"ls1 ws1\">-</span>month<span class=\"_ _1\"></span> or lifeti<span class=\"_ _1\"></span>me ECL<span class=\"_ _1\"></span>) is the max<span class=\"_ _1\"></span>imum co<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>ctual p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>ver whi<span class=\"_ _1\"></span>ch the Group is e<span class=\"_ _0\"></span>xposed to<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit ris<span class=\"_ _0\"></span>k. With r<span class=\"_ _0\"></span>espect<span class=\"_ _0\"></span> to non<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">revolving credit facilities,<span class=\"_ _1\"></span> the contract<span class=\"_ _1\"></span>ual life of the </span></span>facility is co<span class=\"_ _1\"></span>nsidered. In the case of revo<span class=\"_ _1\"></span>lving credit facilit<span class=\"_ _1\"></span>ies, provi<span class=\"_ _1\"></span>ded that such facilities do<span class=\"_ _1\"></span> not have a fixed ter<span class=\"_ _1\"></span>m or rep<span class=\"_ _1\"></span>aymen<span class=\"_ _1\"></span>t stru<span class=\"_ _1\"></span>cture,<span class=\"_ _1\"></span> the Gro<span class=\"_ _1\"></span>up defi<span class=\"_ _1\"></span>nes th<span class=\"_ _1\"></span>e lifetim<span class=\"_ _1\"></span>e of suc<span class=\"_ _1\"></span>h expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> as<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">12 months, in cas<span class=\"_ _1\"></span>e </span></span>the next<span class=\"_ _0\"></span> substantive c<span class=\"_ _0\"></span>redit r<span class=\"_ _0\"></span>eview<span class=\"_ _0\"></span> is wi<span class=\"_ _0\"></span>thin the ne<span class=\"_ _0\"></span>xt 12 months. For<span class=\"_ _0\"></span> the cre<span class=\"_ _0\"></span>dit car<span class=\"_ _0\"></span>ds portfol<span class=\"_ _0\"></span>io, the G<span class=\"_ _0\"></span>roup also ap<span class=\"_ _1\"></span>plies a lifetime of 12 m<span class=\"_ _1\"></span>onths.<span class=\"ls1 ws1\"> </span>Forward<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">looking <span class=\"_ _1\"></span>economic inf<span class=\"_ _1\"></span>ormation is<span class=\"_ _1\"></span> also inclu<span class=\"_ _1\"></span>ded in determ<span class=\"_ _1\"></span>ining the 12<span class=\"_ _1\"></span></span>-<span class=\"ls8 ws3c\">month and l<span class=\"_ _0\"></span>ifet<span class=\"_ _0\"></span>ime PD and </span></span>LGD. Refer to note 2.3.4<span class=\"_ _0\"></span>.4 for an explanation of forward<span class=\"ls1 ws1\">-<span class=\"ls6 ws55\">looking informat<span class=\"_ _1\"></span>ion and it<span class=\"_ _1\"></span>s inclu<span class=\"_ _1\"></span>sion in E<span class=\"_ _1\"></span>CL </span></span>calculation<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>The assum<span class=\"_ _0\"></span>ptions underl<span class=\"_ _0\"></span>ying t<span class=\"_ _0\"></span>he ECL c<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>ions are m<span class=\"_ _0\"></span>onitore<span class=\"_ _0\"></span>d and revi<span class=\"_ _0\"></span>ewe<span class=\"_ _0\"></span>d on a reg<span class=\"_ _0\"></span>ular basis. <span class=\"ls1 ws1\"> </span>For indiv<span class=\"_ _1\"></span>idually s<span class=\"_ _1\"></span>ignificant credit i<span class=\"_ _1\"></span>mpaired loans<span class=\"_ _1\"></span>, management<span class=\"_ _1\"></span> determines th<span class=\"_ _1\"></span>e size o<span class=\"_ _1\"></span>f the allowanc<span class=\"_ _1\"></span>e requi<span class=\"_ _1\"></span>red bas<span class=\"_ _1\"></span>ed on a r<span class=\"_ _1\"></span>ange of fact<span class=\"_ _1\"></span>ors s<span class=\"_ _1\"></span>uch as th<span class=\"_ _1\"></span>e realisa<span class=\"_ _1\"></span>ble value o<span class=\"_ _1\"></span>f securi<span class=\"_ _1\"></span>ty, the v<span class=\"_ _1\"></span>iabil<span class=\"_ _1\"></span>ity of the cus<span class=\"_ _1\"></span>tomer\u2019<span class=\"_ _1\"></span>s business mode<span class=\"_ _0\"></span>l and the c<span class=\"_ _0\"></span>apac<span class=\"_ _0\"></span>ity to ge<span class=\"_ _0\"></span>nerate<span class=\"_ _0\"></span> cash fl<span class=\"_ _0\"></span>ow to servic<span class=\"_ _0\"></span>e debt obl<span class=\"_ _0\"></span>igatio<span class=\"_ _0\"></span>ns, under<span class=\"_ _0\"></span> diffe<span class=\"_ _0\"></span>rent scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> Jud<span class=\"_ _1\"></span>gement is<span class=\"_ _1\"></span> applied<span class=\"_ _1\"></span> in esti<span class=\"_ _1\"></span>mating<span class=\"_ _1\"></span> the expe<span class=\"_ _1\"></span>cted<span class=\"_ _1\"></span> futu<span class=\"_ _1\"></span>re cash<span class=\"_ _1\"></span> flows fro<span class=\"_ _1\"></span>m each<span class=\"_ _1\"></span> borro<span class=\"_ _1\"></span>wer and<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> time to r<span class=\"_ _1\"></span>ecover t<span class=\"_ _1\"></span>hese cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span> und<span class=\"_ _1\"></span>er the differen<span class=\"_ _1\"></span>t scen<span class=\"_ _1\"></span>ari<span class=\"_ _1\"></span>os as well<span class=\"_ _1\"></span> as to at<span class=\"_ _1\"></span>tach prob<span class=\"_ _1\"></span>abilit<span class=\"_ _1\"></span>ies <span class=\"ls9 ws12b\">to those </span>scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> The ass<span class=\"_ _1\"></span>umpt<span class=\"_ _1\"></span>ions arou<span class=\"_ _1\"></span>nd for<span class=\"_ _1\"></span>ecasted<span class=\"_ _1\"></span> recover<span class=\"_ _1\"></span>ies fr<span class=\"_ _1\"></span>om the s<span class=\"_ _1\"></span>ale of co<span class=\"_ _1\"></span>llatera<span class=\"_ _1\"></span>lised p<span class=\"_ _1\"></span>roper<span class=\"_ _1\"></span>ties, including<span class=\"_ _0\"></span> around valuati<span class=\"_ _0\"></span>on hair<span class=\"_ _0\"></span>cuts and tim<span class=\"_ _0\"></span>e to reco<span class=\"_ _0\"></span>very, are ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s in the estim<span class=\"_ _0\"></span>ation of cre<span class=\"_ _0\"></span>dit loss allowances in<span class=\"_ _1\"></span> respect of individ<span class=\"_ _1\"></span>ually asses<span class=\"_ _1\"></span>sed loans. The economic cond<span class=\"_ _1\"></span>itions with<span class=\"_ _1\"></span>in the local prop<span class=\"_ _1\"></span>erty marke<span class=\"_ _0\"></span>t, driven by t<span class=\"_ _0\"></span>he curr<span class=\"_ _0\"></span>ent mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-<span class=\"ls5 ws68\">economi<span class=\"_ _1\"></span>c enviro<span class=\"_ _1\"></span>nment,<span class=\"_ _1\"></span> increa<span class=\"_ _1\"></span>ses th<span class=\"_ _1\"></span>e level o<span class=\"_ _1\"></span>f expert<span class=\"_ _1\"></span> judg<span class=\"_ _1\"></span>ement </span></span>require<span class=\"_ _0\"></span>d to predi<span class=\"_ _0\"></span>ct wi<span class=\"_ _0\"></span>th reasonabl<span class=\"_ _0\"></span>e acc<span class=\"_ _0\"></span>uracy the<span class=\"_ _0\"></span> recove<span class=\"_ _0\"></span>rabili<span class=\"_ _0\"></span>ty of ex<span class=\"_ _0\"></span>posures throug<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span> sale <span class=\"ls6 ws1d\">of collateral. </span>To refl<span class=\"_ _1\"></span>ect the eco<span class=\"_ _1\"></span>nomic co<span class=\"_ _1\"></span>ndi<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span>s curr<span class=\"_ _1\"></span>ently bei<span class=\"_ _1\"></span>ng experi<span class=\"_ _1\"></span>enced<span class=\"_ _1\"></span>, cons<span class=\"_ _1\"></span>ervat<span class=\"_ _1\"></span>ive ju<span class=\"_ _1\"></span>dgements<span class=\"_ _1\"></span> were app<span class=\"_ _1\"></span>lied b<span class=\"_ _1\"></span>y management in<span class=\"_ _1\"></span> order to overcome limitatio<span class=\"_ _1\"></span>ns in respect of determining co<span class=\"_ _1\"></span>llateral valu<span class=\"_ _1\"></span>ations, and th<span class=\"_ _1\"></span>e uncertai<span class=\"_ _0\"></span>nty around<span class=\"_ _0\"></span> the tim<span class=\"_ _0\"></span>e to re<span class=\"_ _0\"></span>pos<span class=\"ls6 ws1c\">sess properties<span class=\"_ _1\"></span> held as collateral an<span class=\"_ _1\"></span>d to resell s<span class=\"_ _1\"></span>uch properties in the </span>open<span class=\"_ _1\"></span> market. 2.3.4.4 Forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7\">looking information incor<span class=\"_ _0\"></span>porated in the ECL m<span class=\"_ _0\"></span>odel<span class=\"ls1\"> </span></span></span>The calcul<span class=\"_ _0\"></span>ation of ECL incorpo<span class=\"_ _0\"></span>rates forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-</span>looking infor<span class=\"_ _0\"></span>mation. The Group per<span class=\"_ _0\"></span>forms a<span class=\"_ _0\"></span> historical analy<span class=\"_ _0\"></span>sis to identify t<span class=\"_ _1\"></span>he key economic va<span class=\"_ _1\"></span>riables affecting credit<span class=\"_ _1\"></span> risk and<span class=\"_ _1\"></span> expected credit loss<span class=\"_ _1\"></span>es for each po<span class=\"_ _1\"></span>rtfolio. These econo<span class=\"_ _1\"></span>mic variables a<span class=\"_ _1\"></span>nd their as<span class=\"_ _1\"></span>socia<span class=\"ls8 wsa\">ted impact<span class=\"_ _0\"></span> on the<span class=\"_ _0\"></span> PD, EAD and L<span class=\"_ _0\"></span>GD m<span class=\"_ _0\"></span>ay vary by portf<span class=\"_ _0\"></span>olio. <span class=\"ls1 ws1\"> </span></span>In this res<span class=\"_ _0\"></span>pect<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup has <span class=\"_ _0\"></span><span class=\"ls6 ws8\">actually <span class=\"ws12\">identified key drivers<span class=\"_ _1\"></span> of credit risk and<span class=\"_ _1\"></span> credit losses for each port<span class=\"_ _1\"></span>folio </span></span>of fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>rument<span class=\"_ _0\"></span>s and, using a<span class=\"_ _0\"></span>n analysi<span class=\"_ _0\"></span>s of hist<span class=\"_ _0\"></span>orical<span class=\"_ _0\"></span> data, has a<span class=\"_ _0\"></span>nalyse<span class=\"_ _0\"></span>d relati<span class=\"_ _0\"></span>onships <span class=\"_ _0\"></span>betw<span class=\"_ _0\"></span>een mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>economic varia<span class=\"_ _1\"></span>bles, cred<span class=\"_ _1\"></span>it risk and<span class=\"_ _1\"></span> credit loss<span class=\"_ _1\"></span>es. The key driv<span class=\"_ _1\"></span>ers cons<span class=\"_ _1\"></span>t<span class=\"ls9 ws131\">itute Gross Domestic Product (\u2018GDP\u2019) </span>at constant <span class=\"_ _0\"></span>price<span class=\"_ _0\"></span>s, unempl<span class=\"_ _0\"></span>oyment<span class=\"_ _0\"></span> rates and inf<span class=\"_ _0\"></span>lation r<span class=\"_ _0\"></span>ates.<span class=\"ls1 ws1\"> </span>The impa<span class=\"_ _1\"></span>ct of th<span class=\"_ _1\"></span>ese econ<span class=\"_ _1\"></span>omic v<span class=\"_ _1\"></span>ariab<span class=\"_ _1\"></span>les on th<span class=\"_ _1\"></span>e PD, EAD an<span class=\"_ _1\"></span>d LGD ha<span class=\"_ _1\"></span>s been det<span class=\"_ _1\"></span>ermined b<span class=\"_ _1\"></span>y performi<span class=\"_ _1\"></span>ng statis<span class=\"_ _1\"></span>tical regression<span class=\"_ _1\"></span> analysi<span class=\"_ _1\"></span>s to understa<span class=\"_ _1\"></span>nd the impact<span class=\"_ _1\"></span> changes in t<span class=\"_ _1\"></span>hese variab<span class=\"_ _1\"></span>les have h<span class=\"_ _1\"></span>ad his<span class=\"_ _1\"></span>torically on<span class=\"_ _1\"></span> default<span class=\"_ _0\"></span> rates and on t<span class=\"_ _0\"></span>he com<span class=\"_ _0\"></span>ponents of L<span class=\"_ _0\"></span>GD and EAD<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>Three<span class=\"_ _0\"></span> possible<span class=\"_ _0\"></span> scenari<span class=\"_ _0\"></span>os are consider<span class=\"_ _0\"></span>ed to ca<span class=\"_ _0\"></span>pture non<span class=\"ls1 ws1\">-<span class=\"ls6 ws39\">linearity acros<span class=\"_ _1\"></span>s credit por<span class=\"_ _1\"></span>tfolios. The \u2018ba<span class=\"_ _1\"></span>se line\u2019 </span></span>scena<span class=\"_ _1\"></span>rio rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s the mo<span class=\"_ _1\"></span>st<span class=\"ls1 ws1\">-<span class=\"ls6 ws64\">likely ou<span class=\"_ _1\"></span>tcome. It is bas<span class=\"_ _1\"></span>ed on aut<span class=\"_ _1\"></span>horitative sou<span class=\"_ _1\"></span>rces forecasting thes<span class=\"_ _1\"></span>e </span></span>econo<span class=\"_ _1\"></span>mic vari<span class=\"_ _1\"></span>ables<span class=\"_ _1\"></span> referred<span class=\"_ _1\"></span> to ab<span class=\"_ _1\"></span>ove and pr<span class=\"_ _1\"></span>ovid<span class=\"_ _1\"></span>ing the best<span class=\"_ _1\"></span> estimat<span class=\"_ _1\"></span>e view of t<span class=\"_ _1\"></span>he econo<span class=\"_ _1\"></span>my. Apa<span class=\"_ _1\"></span>rt from the \u2018base l<span class=\"_ _0\"></span>ine\u2019 sce<span class=\"_ _0\"></span>nario, t<span class=\"_ _0\"></span>he Group consider<span class=\"_ _0\"></span>s two othe<span class=\"_ _0\"></span>r macro<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">economic scena<span class=\"_ _1\"></span>rios </span>\u2013 </span>Upside and Downside<span class=\"_ _0\"></span> scenarios<span class=\"_ _1\"></span> <span class=\"_ _11\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"_ _0\"></span><span class=\"ls6 ws2e\">which resp<span class=\"_ _1\"></span>ectively repres<span class=\"_ _1\"></span>ent a more<span class=\"_ _1\"></span> optimistic a<span class=\"_ _1\"></span>nd a mo<span class=\"_ _1\"></span>re pessimis<span class=\"_ _1\"></span>tic outcom<span class=\"_ _1\"></span>e. Such scena<span class=\"ws8\">rios<span class=\"_ _1\"></span> </span></span></span>reflect<span class=\"_ _1\"></span> the cur<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span> top a<span class=\"_ _1\"></span>nd emerg<span class=\"_ _1\"></span>ent ri<span class=\"_ _1\"></span>sks a<span class=\"_ _1\"></span>nd op<span class=\"_ _1\"></span>port<span class=\"_ _1\"></span>unities. Th<span class=\"_ _1\"></span>e more o<span class=\"_ _1\"></span>pti<span class=\"_ _1\"></span>mistic a<span class=\"_ _1\"></span>nd mo<span class=\"_ _1\"></span>re pess<span class=\"_ _1\"></span>imisti<span class=\"_ _1\"></span>c scena<span class=\"_ _1\"></span>rios a<span class=\"_ _1\"></span>re econo<span class=\"_ _1\"></span>mical<span class=\"_ _1\"></span>ly pl<span class=\"_ _1\"></span>aus<span class=\"_ _1\"></span>ible, a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e more pes<span class=\"_ _1\"></span>simi<span class=\"_ _1\"></span>stic s<span class=\"_ _1\"></span>cenari<span class=\"_ _1\"></span>o will no<span class=\"_ _1\"></span>t nec<span class=\"_ _1\"></span>essa<span class=\"_ _1\"></span>rily b<span class=\"_ _1\"></span>e as sev<span class=\"_ _1\"></span>ere as scena<span class=\"_ _0\"></span>rios use<span class=\"_ _0\"></span>d in <span class=\"_ _0\"></span>stress t<span class=\"_ _0\"></span>esti<span class=\"_ _0\"></span>ng.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Modelling of th<span class=\"_ _1\"></span>e economic scen<span class=\"_ _1\"></span>arios, i.e. th<span class=\"_ _1\"></span>e forecast valu<span class=\"_ _1\"></span>es of economic varia<span class=\"_ _1\"></span>bles for optimis<span class=\"_ _1\"></span>tic and pess<span class=\"_ _1\"></span>imisti<span class=\"_ _1\"></span>c scena<span class=\"_ _1\"></span>rios,<span class=\"_ _1\"></span> is perfor<span class=\"_ _1\"></span>med on t<span class=\"_ _1\"></span>he bas<span class=\"_ _1\"></span>is of the his<span class=\"_ _1\"></span>torical<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>es and an<span class=\"_ _1\"></span>nual fo<span class=\"_ _1\"></span>recast<span class=\"_ _1\"></span> values fo<span class=\"_ _1\"></span>r the base scena<span class=\"_ _0\"></span>rio, mai<span class=\"_ _0\"></span>nly based o<span class=\"_ _0\"></span>n the publi<span class=\"_ _0\"></span>shed<span class=\"ls1 ws1\"> <span class=\"ls1c ws2d\">three<span class=\"_ _1\"></span></span>-<span class=\"ls7\">year forecast of<span class=\"_ _0\"></span> the Central B<span class=\"_ _0\"></span>ank of Malta.<span class=\"ls1\"> </span></span></span>The pes<span class=\"_ _1\"></span>simis<span class=\"_ _1\"></span>tic and<span class=\"_ _1\"></span> opti<span class=\"_ _1\"></span>mist<span class=\"_ _1\"></span>ic scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> are de<span class=\"_ _1\"></span>emed to<span class=\"_ _1\"></span> rep<span class=\"_ _1\"></span>resent ma<span class=\"_ _1\"></span>nag<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>'s bes<span class=\"_ _1\"></span>t forec<span class=\"_ _1\"></span>ast o<span class=\"_ _1\"></span>f an econom<span class=\"_ _0\"></span>ically plausibl<span class=\"_ _0\"></span>e upside<span class=\"_ _0\"></span> and dow<span class=\"_ _0\"></span>nside sce<span class=\"_ _0\"></span>nario.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Each scenar<span class=\"_ _0\"></span>io is w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted by a<span class=\"_ _0\"></span> probabili<span class=\"_ _0\"></span>ty of occ<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>e, det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned by a com<span class=\"_ _0\"></span>bination of<span class=\"_ _0\"></span> m<span class=\"_ _0\"></span>acro<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">economi<span class=\"_ _1\"></span>c </span></span>resear<span class=\"_ _0\"></span>ch and expe<span class=\"_ _0\"></span>rt cr<span class=\"_ _0\"></span>edit judgme<span class=\"_ _0\"></span>nt, taking<span class=\"_ _0\"></span> into acc<span class=\"_ _0\"></span>ount the<span class=\"_ _0\"></span> range<span class=\"_ _0\"></span> of possible<span class=\"_ _0\"></span> outcom<span class=\"_ _0\"></span>es eac<span class=\"_ _0\"></span>h chosen scena<span class=\"_ _1\"></span>rio rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s. Th<span class=\"_ _1\"></span>e Gro<span class=\"_ _1\"></span>up mea<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> ECL as<span class=\"_ _1\"></span> eith<span class=\"_ _1\"></span>e<span class=\"ls6 ws23\">r a p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> weighted 12<span class=\"ls1 ws1\">-<span class=\"lsd ws6c\">mo<span class=\"_ _1\"></span>nth ECL (St<span class=\"_ _1\"></span>age 1<span class=\"_ _1\"></span>), or </span></span></span>a proba<span class=\"_ _1\"></span>bility weighted lifetim<span class=\"_ _1\"></span>e ECL (Stages 2 and<span class=\"_ _1\"></span> 3). These proba<span class=\"_ _1\"></span>bility<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">weight<span class=\"_ _1\"></span>ed ECLs<span class=\"_ _1\"></span> are det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>ed by </span></span>running ea<span class=\"_ _0\"></span>ch scenar<span class=\"_ _0\"></span>io throug<span class=\"_ _0\"></span>h the r<span class=\"_ _0\"></span>ele<span class=\"_ _0\"></span>vant ECL mode<span class=\"_ _0\"></span>l and mul<span class=\"_ _0\"></span>tiplying<span class=\"_ _0\"></span> the outc<span class=\"_ _0\"></span>ome by the<span class=\"_ _0\"></span> appropria<span class=\"_ _0\"></span>te scenari<span class=\"_ _0\"></span>o wei<span class=\"_ _0\"></span>ghting (<span class=\"_ _0\"></span>as opposed to w<span class=\"_ _0\"></span>eighti<span class=\"_ _0\"></span>ng the i<span class=\"_ _0\"></span>nputs).<span class=\"_ _bc\"> </span>As with<span class=\"_ _1\"></span> any macr<span class=\"_ _1\"></span>o<span class=\"ls1 ws1\">-<span class=\"ls7 wsf\">economic forecasts, the <span class=\"_ _0\"></span>projections a<span class=\"_ _0\"></span>nd likelihood of occ<span class=\"_ _0\"></span>urrence <span class=\"_ _0\"></span>are subject to<span class=\"_ _0\"></span> an </span></span>elevat<span class=\"_ _1\"></span>ed de<span class=\"_ _1\"></span>gree of u<span class=\"_ _1\"></span>ncer<span class=\"_ _1\"></span>taint<span class=\"_ _1\"></span>y and<span class=\"_ _1\"></span> therefo<span class=\"_ _1\"></span>re, th<span class=\"_ _1\"></span>e actu<span class=\"_ _1\"></span>al ou<span class=\"_ _1\"></span>tcomes<span class=\"_ _1\"></span> may<span class=\"_ _1\"></span> be sign<span class=\"_ _1\"></span>ifica<span class=\"_ _1\"></span>ntly d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>t to t<span class=\"_ _1\"></span>hose<span class=\"_ _1\"></span> proj<span class=\"_ _1\"></span>ected. <span class=\"ls1 ws1\"> </span>Local economi<span class=\"_ _0\"></span>c growth m<span class=\"_ _0\"></span>oderated, as Malta move<span class=\"_ _0\"></span>s further<span class=\"_ _0\"></span> away from the<span class=\"_ _0\"></span> post<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">pandemi<span class=\"_ _1\"></span>c recover<span class=\"_ _1\"></span>y, in a<span class=\"_ _1\"></span> </span></span>context of a w<span class=\"_ _1\"></span>eakening globa<span class=\"_ _1\"></span>l outlo<span class=\"_ _1\"></span>ok, charact<span class=\"_ _1\"></span>erised by trade po<span class=\"_ _1\"></span>licy uncertain<span class=\"_ _1\"></span>ty and geop<span class=\"_ _1\"></span>olitical tens<span class=\"_ _1\"></span>ions. The Central Bank o<span class=\"_ _1\"></span>f Malta forecasts<span class=\"_ _1\"></span> that Malta\u2019s real GDP growth<span class=\"_ _1\"></span> will moderate from 6.8<span class=\"_ _1\"></span>% in 2024 to 3.7% in 2025 and re<span class=\"_ _1\"></span>main at 3.7<span class=\"_ _1\"></span>% in bo<span class=\"_ _1\"></span>th 2026 and 202<span class=\"_ _1\"></span>7. <span class=\"ls8 ws86\">This trend is also<span class=\"_ _0\"></span> confir<span class=\"_ _0\"></span>med by the Europe<span class=\"_ _0\"></span>an </span>Commission,<span class=\"_ _0\"></span> which e<span class=\"_ _0\"></span>xpect<span class=\"_ _0\"></span>s it to be drive<span class=\"_ _0\"></span>n mainly by r<span class=\"_ _0\"></span>obust pri<span class=\"_ _0\"></span>vate and publi<span class=\"_ _0\"></span>c consump<span class=\"_ _0\"></span>tion, i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt, an<span class=\"ls8 wsa\">d supporte<span class=\"_ _0\"></span>d by growt<span class=\"_ _0\"></span>h in tour<span class=\"_ _0\"></span>ism, gam<span class=\"_ _0\"></span>ing and f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> and profe<span class=\"_ _0\"></span>ssional ser<span class=\"_ _0\"></span>vices. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>Employme<span class=\"_ _0\"></span>nt growth i<span class=\"_ _0\"></span>s expected to m<span class=\"_ _0\"></span>oderate, a<span class=\"_ _0\"></span>s econom<span class=\"_ _0\"></span>ic growt<span class=\"_ _0\"></span>h eases and producti<span class=\"_ _0\"></span>vity g<span class=\"_ _0\"></span>ains ground. This is cou<span class=\"_ _1\"></span>pled with the introdu<span class=\"_ _1\"></span>ction of policies<span class=\"_ _1\"></span> aimed at limiting inward migra<span class=\"_ _1\"></span>tion. The u<span class=\"_ _1\"></span>nemployment<span class=\"_ _1\"></span> rate is expected t<span class=\"_ _1\"></span>o edge down to 2.8% by 2027, remainin<span class=\"_ _1\"></span>g below its natural<span class=\"_ _1\"></span> rate of 3.1%. This negative unemployment g<span class=\"_ _0\"></span>ap is expected to be a key factor i<span class=\"_ _0\"></span>n wage growth outlook.<span class=\"ls1\"> </span>Being<span class=\"_ _0\"></span> a small o<span class=\"_ _0\"></span>pen eco<span class=\"_ _0\"></span>nomy, Mal<span class=\"_ _0\"></span>ta is infl<span class=\"_ _0\"></span>uence<span class=\"_ _0\"></span>d by developm<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Euro Are<span class=\"_ _0\"></span>a, EU a<span class=\"_ _0\"></span>nd the glo<span class=\"_ _0\"></span>bal market. In Eu<span class=\"_ _1\"></span>rope, rea<span class=\"_ _1\"></span>l GDP is<span class=\"_ _1\"></span> forecasted to gro<span class=\"_ _1\"></span>w by 1.<span class=\"_ _1\"></span>4% in the E<span class=\"_ _1\"></span>U in 2025 a<span class=\"_ _1\"></span>nd 2026, <span class=\"_ _1\"></span>edging up<span class=\"_ _1\"></span> to 1.5%<span class=\"_ _1\"></span> in 2027. The <span class=\"_ _1\"></span>euro area is exp<span class=\"_ _1\"></span>ected fo<span class=\"_ _1\"></span>llow a similar t<span class=\"_ _1\"></span>rajector<span class=\"_ _1\"></span>y, with real G<span class=\"_ _1\"></span>DP growing b<span class=\"_ _1\"></span>y 1.3% in 20<span class=\"_ _1\"></span>25, 1.2% in 2026, and<span class=\"_ _1\"></span> by 1.4% in 2027<span class=\"_ _1\"></span>.Growth is su<span class=\"_ _1\"></span>pported b<span class=\"_ _1\"></span>y a resilient labou<span class=\"_ _1\"></span>r market, decrea<span class=\"_ _1\"></span>sing inflatio<span class=\"_ _1\"></span>n and favourable<span class=\"_ _0\"></span> financ<span class=\"_ _0\"></span>ing condi<span class=\"_ _0\"></span>tions. The<span class=\"_ _0\"></span> Com<span class=\"_ _0\"></span>mission se<span class=\"_ _0\"></span>es these<span class=\"_ _0\"></span> as \u201ckey con<span class=\"_ _0\"></span>ditio<span class=\"_ _0\"></span>ns\u201d for<span class=\"_ _0\"></span> continue<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">economic </span></span>growth,<span class=\"_ _0\"></span> despite<span class=\"_ _0\"></span> the chall<span class=\"_ _0\"></span>enging e<span class=\"_ _0\"></span>xterna<span class=\"_ _0\"></span>l environm<span class=\"_ _0\"></span>ent and unc<span class=\"_ _0\"></span>ertai<span class=\"_ _0\"></span>nty. <span class=\"ls1 ws1\"> </span>Euro area i<span class=\"_ _1\"></span>nflation is expecte<span class=\"_ _1\"></span>d to slow from 2.4% in 202<span class=\"_ _1\"></span>4 to 2.1% in 2025 and t<span class=\"_ _1\"></span>hen remain broa<span class=\"_ _1\"></span>dly stable at 1.9% in 2026 and<span class=\"_ _1\"></span> 2.0% in 2027. Consequent<span class=\"_ _1\"></span>ly, the ECB has kep<span class=\"_ _1\"></span>t its interest rat<span class=\"_ _1\"></span>es on the deposit facility, the mai<span class=\"_ _0\"></span>n refinanc<span class=\"_ _0\"></span>ing oper<span class=\"_ _0\"></span>ations and the ma<span class=\"ls6 ws19\">rginal lending facility u<span class=\"_ _1\"></span>nchanged at<span class=\"_ _1\"></span> 2.00%, 2.<span class=\"_ _1\"></span>15% and 2.40%<span class=\"_ _1\"></span> </span>respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>Further<span class=\"_ _0\"></span>more<span class=\"_ _0\"></span>, the EU and U<span class=\"_ _0\"></span>S signe<span class=\"_ _0\"></span>d a joint ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>ment on r<span class=\"_ _0\"></span>eciproca<span class=\"_ _0\"></span>l, fair<span class=\"_ _0\"></span> and balance<span class=\"_ _0\"></span>d trad<span class=\"_ _0\"></span>e, establ<span class=\"_ _0\"></span>ishing a<span class=\"_ _0\"></span> 15% head<span class=\"_ _1\"></span>line ta<span class=\"_ _1\"></span>riff in Au<span class=\"_ _1\"></span>gust<span class=\"_ _1\"></span>. Than<span class=\"_ _1\"></span>ks to a nu<span class=\"_ _1\"></span>mber of ca<span class=\"_ _1\"></span>rveouts<span class=\"_ _1\"></span>, the j<span class=\"_ _1\"></span>oint agreemen<span class=\"_ _1\"></span>t pla<span class=\"_ _1\"></span>ces th<span class=\"_ _1\"></span>e EU at a competitive<span class=\"_ _0\"></span> advantage compared to other tradin<span class=\"lsa ws44\">g partners<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span>On a more global sc<span class=\"_ _0\"></span>ale, the<span class=\"_ _0\"></span> IMF\u2019s G<span class=\"_ _0\"></span>lobal Economic Outloo<span class=\"_ _0\"></span>k projects gl<span class=\"_ _0\"></span>obal grow<span class=\"_ _0\"></span>th to sl<span class=\"_ _0\"></span>ow from 3<span class=\"_ _0\"></span>.6% in 2024 to 2.6% in<span class=\"_ _1\"></span> 2025. The IMF s<span class=\"_ _1\"></span>ees risks t<span class=\"_ _1\"></span>o the outlook remain<span class=\"_ _1\"></span>ing tilted to th<span class=\"_ _1\"></span>e downside d<span class=\"_ _1\"></span>ue to further escalation of prote<span class=\"_ _0\"></span>ctionist measure<span class=\"_ _0\"></span>s and larger<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">th</span></span><span class=\"ws4e\">an<span class=\"ls1 ws1\">-<span class=\"ls8 ws5c\">ex<span class=\"_ _0\"></span>pected shock<span class=\"_ _0\"></span>s to labour<span class=\"_ _0\"></span> suppl<span class=\"_ _0\"></span>y f<span class=\"_ _0\"></span>rom re<span class=\"_ _0\"></span>stricti<span class=\"_ _0\"></span>ve </span></span></span>immigration<span class=\"_ _1\"></span> policies. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The macr<span class=\"_ _0\"></span>oeconomi<span class=\"_ _0\"></span>c streng<span class=\"_ _0\"></span>th observed in re<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span> years lar<span class=\"_ _0\"></span>gely refl<span class=\"_ _0\"></span>ects cont<span class=\"_ _0\"></span>inued post<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">pandemi<span class=\"_ _1\"></span>c recov<span class=\"_ _1\"></span>ery<span class=\"_ _1\"></span> </span></span>dynamics and base<span class=\"_ _0\"></span> eff<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s, resulting i<span class=\"_ _0\"></span>n observations t<span class=\"_ _0\"></span>hat are<span class=\"_ _0\"></span> not ful<span class=\"_ _0\"></span>ly repre<span class=\"_ _0\"></span>sentati<span class=\"_ _0\"></span>ve of longer<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span>economic cond<span class=\"_ _1\"></span>itions. Thes<span class=\"_ _1\"></span>e atypica<span class=\"_ _1\"></span>l data poi<span class=\"_ _1\"></span>nts fall<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls8 ws67\">outside<span class=\"_ _0\"></span> the histor<span class=\"_ _0\"></span>ical ra<span class=\"_ _0\"></span>nges used f<span class=\"_ _0\"></span>or ECL m<span class=\"_ _0\"></span>odel </span></span>calibratio<span class=\"_ _1\"></span>n and may introdu<span class=\"_ _1\"></span>ce distortions in time<span class=\"ls1 ws1\">-</span>series<span class=\"_ _1\"></span> behaviour, with<span class=\"_ _1\"></span> potential implicatio<span class=\"_ _1\"></span>ns for model perfor<span class=\"_ _0\"></span>mance and pro<span class=\"_ _0\"></span>jecti<span class=\"_ _0\"></span>ons.<span class=\"ls1 ws1\"> </span>In this reg<span class=\"_ _0\"></span>ard, a<span class=\"_ _0\"></span> very im<span class=\"_ _0\"></span>porta<span class=\"_ _0\"></span>nt judgem<span class=\"_ _0\"></span>ent w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Bank\u2019s esti<span class=\"_ _0\"></span>mation of<span class=\"_ _0\"></span> ECL all<span class=\"_ _0\"></span>owance<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span>s to be<span class=\"_ _0\"></span> the det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of fo<span class=\"_ _1\"></span>rward<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws55\">looking scena<span class=\"_ _1\"></span>rios reflectin<span class=\"_ _1\"></span>g potent<span class=\"_ _1\"></span>ial future eco<span class=\"_ _1\"></span>nomic c<span class=\"_ _1\"></span>ondition<span class=\"_ _1\"></span>s under </span></span>diffe<span class=\"_ _0\"></span>rent scena<span class=\"_ _0\"></span>rios and thei<span class=\"_ _0\"></span>r impac<span class=\"_ _0\"></span>t on PDs and L<span class=\"ls5 ws7\">GDs.<span class=\"ls1 ws1\"> </span></span>The most sign<span class=\"_ _1\"></span>ificant period<span class=\"ls1 ws1\">-</span>e<span class=\"_ _1\"></span>nd assumpt<span class=\"_ _1\"></span>ions used for the ECL estimate a<span class=\"_ _1\"></span>s at 31 December 2025 an<span class=\"_ _1\"></span>d 2024 are set<span class=\"_ _1\"></span> out b<span class=\"_ _1\"></span>elow. The \u2018<span class=\"_ _1\"></span>base\u2019<span class=\"_ _1\"></span>, \u2018up<span class=\"_ _1\"></span>side\u2019<span class=\"_ _1\"></span> and \u2018d<span class=\"_ _1\"></span>ownsi<span class=\"_ _1\"></span>de\u2019 scena<span class=\"_ _1\"></span>rios wer<span class=\"_ _1\"></span>e used<span class=\"_ _1\"></span> for all p<span class=\"_ _1\"></span>ortfol<span class=\"_ _1\"></span>ios<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span>\u2022 The \u2018B<span class=\"_ _0\"></span>ase\u2019 Sc<span class=\"_ _0\"></span>enario <span class=\"_ _0\"></span>captures busi<span class=\"_ _0\"></span>ness<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">as</span>-<span class=\"ls7 wsa1\">usual<span class=\"_ _0\"></span> macro<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">economic exp<span class=\"_ _1\"></span>ectati<span class=\"_ _1\"></span>ons,<span class=\"_ _1\"></span> whereby<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>rrent </span></span></span></span>rhythm of econ<span class=\"_ _1\"></span>omic activity i<span class=\"_ _1\"></span>s maintained<span class=\"_ _1\"></span>;<span class=\"ls1 ws1\"> </span>\u2022 The \u2018D<span class=\"_ _0\"></span>ownside\u2019<span class=\"_ _0\"></span> Scenar<span class=\"_ _0\"></span>io is based o<span class=\"_ _0\"></span>n a subdue<span class=\"_ _0\"></span>d leve<span class=\"_ _0\"></span>l of e<span class=\"_ _0\"></span>conomic a<span class=\"_ _0\"></span>ctivity hypot<span class=\"_ _0\"></span>hesized t<span class=\"_ _0\"></span>o cor<span class=\"_ _0\"></span>respon<span class=\"_ _0\"></span>d to prolonged period of<span class=\"_ _0\"></span> an economic c<span class=\"_ _0\"></span>ontraction;<span class=\"ls1\"> </span>\u2022 The \u2018U<span class=\"_ _0\"></span>pside\u2019 Sce<span class=\"_ _0\"></span>nario is bas<span class=\"_ _0\"></span>ed on the<span class=\"_ _0\"></span> assumption tha<span class=\"_ _0\"></span>t it w<span class=\"_ _0\"></span>ould be possi<span class=\"_ _0\"></span>ble to m<span class=\"_ _0\"></span>arginal<span class=\"_ _0\"></span>ly impr<span class=\"_ _0\"></span>ove furthe<span class=\"_ _0\"></span>r over the<span class=\"_ _0\"></span> econom<span class=\"_ _0\"></span>ic conditions con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span>ed in the<span class=\"_ _0\"></span> \u2018Base\u2019 S<span class=\"_ _0\"></span>cenar<span class=\"_ _0\"></span>io.<span class=\"ls1 ws1\"> </span><table class=\"s w1ef h1ae\" id=\"_47ab0b00-c5cd-4b49-86fa-d66497321df9\"><tr><td></td><td></td><td class=\"c x2d6 y1e6d wca hc3\"><div class=\"t m0 xf7 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As of 31 December 2025<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x2d6 y1e6e wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2026<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e6e wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2027<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e6e wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2028 </div></td></tr><tr><td class=\"c x2d9 y1e6f wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Gross Dom<span class=\"_ _1\"></span>estic Produc<span class=\"_ _1\"></span>t, consta<span class=\"_ _1\"></span>nt prices (Y<span class=\"_ _1\"></span>oY)<span class=\"_ _1\"></span>*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e70 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e70 wa5 hc3\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e70 wbc hc3\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e70 wa5 hc3\"><div class=\"t m0 x35 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70% </div></td></tr><tr><td class=\"c x2d9 y1e71 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e71 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e71 wbc hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e71 wa5 hc3\"><div class=\"t m0 xe2 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]% </div></td></tr><tr><td class=\"c x2d9 y1e72 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls2a ws99\">Unemployment rate (Y<span class=\"_ _1\"></span>oY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e73 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e73 wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e73 wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e73 wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8% </div></td></tr><tr><td class=\"c x2d9 y1e74 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e74 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4 - 4.2]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e74 wbc hc3\"><div class=\"t m0 xe9 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4- 4.2]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e74 wa5 hc3\"><div class=\"t m0 xe2 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4\u2013 4.2]% </div></td></tr><tr><td class=\"c x2d9 y1e75 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Infl<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> (YoY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e76 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e76 wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.3%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e76 wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.1%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e76 wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.1% </div></td></tr><tr><td class=\"c x2d9 y1e77 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e77 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.9 - 3.7]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e77 wbc hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.7 - 3.5]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e77 wa5 hc3\"><div class=\"t m0 x84 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.7 \u2013 3.5]% </div></td></tr><tr><td></td><td></td><td class=\"c x2d6 y1e78 wca hd0\"><div class=\"t m0 xf7 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">As of <span class=\"ls1 ws9b\">31 December 2024</span><span class=\"ls1 ws9b\"><span class=\"ws1\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x2d6 y1e79 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e79 wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2026<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e79 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2027 </div></td></tr><tr><td class=\"c x2d9 y1e7a wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Gross Dom<span class=\"_ _1\"></span>estic Produc<span class=\"_ _1\"></span>t, consta<span class=\"_ _1\"></span>nt prices (Y<span class=\"_ _1\"></span>oY)<span class=\"_ _1\"></span>*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e7b wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7b wa5 hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7b wbc hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7b wa5 hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90% </div></td></tr><tr><td class=\"c x2d9 y1e7c wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7c wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7c wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7c wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]% </div></td></tr><tr><td class=\"c x2d9 y1e7d wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls2a ws99\">Unemployment rate (Y<span class=\"_ _1\"></span>oY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e7e wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7e wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7e wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7e wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2% </div></td></tr><tr><td class=\"c x2d9 y1e7f wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7f wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7f wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7f wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]% </div></td></tr><tr><td class=\"c x2d9 y1e80 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Infl<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> (YoY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e81 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e81 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e81 wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e81 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2% </div></td></tr><tr><td class=\"c x2d9 y1e82 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e82 wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e82 wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e82 wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]% </div></td></tr><tr><td class=\"t m0 x2da h13 y1e83 ff1 fs5 fc0 sc0 ls5e ws8a\">*YoY = year on year %<span class=\"_ _1\"></span> change<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td></tr></table>The weightings<span class=\"_ _1\"></span> assigned<span class=\"_ _1\"></span> to each economic s<span class=\"_ _1\"></span>cenario wer<span class=\"_ _1\"></span>e 68% (2024: <span class=\"_ _1\"></span>68%) for the \u2018Bas<span class=\"_ _1\"></span>e\u2019 Scenario,<span class=\"_ _1\"></span> 16% (2024: 16%) for th<span class=\"_ _1\"></span>e \u2018Downs<span class=\"_ _1\"></span>ide\u2019 scenario a<span class=\"_ _1\"></span>nd 16% (2024: 1<span class=\"_ _1\"></span>6%) for the \u2018Ups<span class=\"_ _1\"></span>ide\u2019 scenario<span class=\"_ _1\"></span>. The number o<span class=\"_ _1\"></span>f scenarios used is based on the analysis of e<span class=\"_ _0\"></span>ach major p<span class=\"ls8 ws36\">roduct type t<span class=\"_ _0\"></span>o ensure t<span class=\"_ _0\"></span>hat non<span class=\"ls1 ws1\">-<span class=\"ls6 ws10\">linearities ar<span class=\"_ _1\"></span>e </span></span></span>captu<span class=\"_ _1\"></span>red. Th<span class=\"_ _1\"></span>e nu<span class=\"_ _1\"></span>mber of<span class=\"_ _1\"></span> scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> their a<span class=\"_ _1\"></span>ttrib<span class=\"_ _1\"></span>utes a<span class=\"_ _1\"></span>re reass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> at each<span class=\"_ _1\"></span> rep<span class=\"_ _1\"></span>orti<span class=\"_ _1\"></span>ng dat<span class=\"_ _1\"></span>e. The economic scenar<span class=\"_ _1\"></span>ios were sim<span class=\"_ _1\"></span>ulated ov<span class=\"_ _1\"></span>er a full economic cy<span class=\"_ _1\"></span>cle.<span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs the ma<span class=\"_ _0\"></span>cro<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">econom<span class=\"_ _1\"></span>ic for<span class=\"_ _1\"></span>ecast<span class=\"_ _1\"></span>s to rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span> its b<span class=\"_ _1\"></span>est es<span class=\"_ _1\"></span>timate o<span class=\"_ _1\"></span>f the po<span class=\"_ _1\"></span>ssib<span class=\"_ _1\"></span>le outc<span class=\"_ _1\"></span>omes </span></span>after<span class=\"_ _0\"></span> analysing i<span class=\"_ _0\"></span>ts differ<span class=\"_ _0\"></span>ent portfoli<span class=\"_ _0\"></span>os to establ<span class=\"_ _0\"></span>ish that the c<span class=\"_ _0\"></span>hosen sce<span class=\"_ _0\"></span>narios are appro<span class=\"_ _0\"></span>priatel<span class=\"_ _0\"></span>y repres<span class=\"_ _1\"></span>entat<span class=\"_ _1\"></span>ive of th<span class=\"_ _1\"></span>e range o<span class=\"_ _1\"></span>f po<span class=\"_ _1\"></span>ssib<span class=\"_ _1\"></span>le scena<span class=\"_ _1\"></span>rios<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The Ban<span class=\"_ _1\"></span>k\u2019s weig<span class=\"_ _1\"></span>hting<span class=\"_ _1\"></span>s tak<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>o accou<span class=\"_ _1\"></span>nt th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t perfor<span class=\"_ _1\"></span>mance o<span class=\"_ _1\"></span>f the Ma<span class=\"_ _1\"></span>ltese <span class=\"_ _1\"></span>econ<span class=\"_ _1\"></span>omy ov<span class=\"_ _1\"></span>er the forese<span class=\"_ _0\"></span>eable f<span class=\"_ _0\"></span>uture. The Bo<span class=\"_ _0\"></span>ard considers that<span class=\"_ _0\"></span> the proba<span class=\"_ _0\"></span>bilit<span class=\"_ _0\"></span>y weig<span class=\"_ _0\"></span>htings assig<span class=\"_ _0\"></span>ned to the re<span class=\"_ _0\"></span>spective scenarios refl<span class=\"_ _0\"></span>ect an unbiased evaluation of r<span class=\"_ _0\"></span>ange of possible<span class=\"_ _0\"></span><span class=\"ls1\"> <span class=\"ls5 ws7\">outco<span class=\"_ _1\"></span>mes. <span class=\"_ _1\"></span></span> </span>Based<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e abov<span class=\"_ _1\"></span>e, the <span class=\"_ _1\"></span>estima<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es as<span class=\"_ _1\"></span> of 31 De<span class=\"_ _1\"></span>cemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"_ _1\"></span> <span class=\"ls6 ws7\">and 202</span>4 <span class=\"_ _1\"></span><span class=\"ls8 ws16\">continued </span></span>to req<span class=\"_ _1\"></span>uire an<span class=\"_ _1\"></span> elevated<span class=\"_ _1\"></span> level o<span class=\"_ _1\"></span>f subj<span class=\"_ _1\"></span>ectivi<span class=\"_ _1\"></span>ty and exper<span class=\"_ _1\"></span>t jud<span class=\"_ _1\"></span>gement. Des<span class=\"_ _1\"></span>pite t<span class=\"_ _1\"></span>he reco<span class=\"_ _1\"></span>very i<span class=\"_ _1\"></span>n econo<span class=\"_ _1\"></span>mic conditions, <span class=\"_ _0\"></span>ECL e<span class=\"_ _0\"></span>stimate<span class=\"_ _0\"></span>s remain subje<span class=\"_ _0\"></span>ct to <span class=\"_ _0\"></span>a deg<span class=\"_ _0\"></span>ree of<span class=\"_ _0\"></span> economi<span class=\"_ _0\"></span>c unce<span class=\"_ _0\"></span>rtainty. I<span class=\"_ _0\"></span>n this re<span class=\"_ _0\"></span>spect, j<span class=\"_ _0\"></span>udgem<span class=\"_ _0\"></span>ents applied by<span class=\"_ _0\"></span> manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt in esti<span class=\"_ _0\"></span>mating<span class=\"_ _0\"></span> ECL<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">con<span class=\"_ _1\"></span>tinue t<span class=\"_ _1\"></span>o reflect a<span class=\"_ _1\"></span> degree of cau<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> both in<span class=\"_ _1\"></span> the determina<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> </span></span>of probability of def<span class=\"_ _0\"></span>aults for selection of economic scenarios and in terms of<span class=\"_ _0\"></span> the calibration o<span class=\"ls5 ws35\">f scen<span class=\"_ _1\"></span>ario </span>weightings.<span class=\"_ _bc\"> </span>Other fo<span class=\"_ _1\"></span>rwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7 ws29\">looking considerations not otherwise i<span class=\"_ _0\"></span>ncorporated within the above scenarios, such as the </span></span>impact of any<span class=\"_ _1\"></span> regulatory,<span class=\"_ _1\"></span> legislativ<span class=\"_ _1\"></span>e, or political ch<span class=\"_ _1\"></span>anges, have als<span class=\"_ _1\"></span>o been cons<span class=\"_ _1\"></span>idered, but<span class=\"_ _1\"></span> are not deemed<span class=\"_ _1\"></span> to have a mate<span class=\"_ _0\"></span>rial impact<span class=\"_ _0\"></span> and therefore<span class=\"_ _0\"></span> no ad<span class=\"ls8 ws11\">justment has<span class=\"_ _0\"></span> be<span class=\"_ _0\"></span>en made<span class=\"_ _0\"></span> to the EC<span class=\"_ _0\"></span>L for suc<span class=\"_ _11\"></span>h factors. This i<span class=\"_ _0\"></span>s </span>revie<span class=\"_ _0\"></span>wed and moni<span class=\"_ _0\"></span>tored f<span class=\"_ _0\"></span>or appropri<span class=\"_ _0\"></span>ateness on a<span class=\"_ _0\"></span>n ongoi<span class=\"_ _0\"></span>ng basis.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The out<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>f the Ban<span class=\"_ _1\"></span>k\u2019s c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>ss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces esti<span class=\"_ _1\"></span>mati<span class=\"_ _1\"></span>on pro<span class=\"_ _1\"></span>cess i<span class=\"_ _1\"></span>s sens<span class=\"_ _1\"></span>itive to<span class=\"_ _1\"></span> judg<span class=\"_ _1\"></span>ements a<span class=\"_ _1\"></span>nd estima<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> made th<span class=\"_ _1\"></span>roug<span class=\"_ _1\"></span>h the refl<span class=\"_ _1\"></span>ectio<span class=\"_ _1\"></span>n of sev<span class=\"_ _1\"></span>eral for<span class=\"_ _1\"></span>ward<span class=\"ls1 ws1\">-<span class=\"ls7 ws5e\">looking economic conditions. Management has<span class=\"_ _0\"></span> </span></span>ass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> the sen<span class=\"_ _1\"></span>sitiv<span class=\"_ _1\"></span>ity of th<span class=\"_ _1\"></span>e Bank<span class=\"_ _1\"></span>\u2019s exp<span class=\"_ _1\"></span>ected cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\"> <span class=\"ls6 ws1d\">loss<span class=\"_ _1\"></span>es by as<span class=\"_ _1\"></span>signing a 100% weigh<span class=\"_ _1\"></span>ting to<span class=\"_ _1\"></span> the baselin<span class=\"_ _1\"></span>e, </span></span>downside a<span class=\"_ _0\"></span>nd upside sc<span class=\"_ _0\"></span>enari<span class=\"_ _0\"></span>os re<span class=\"_ _0\"></span>spective<span class=\"_ _0\"></span>ly. The<span class=\"_ _0\"></span> Bank\u2019s c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>s would <span class=\"_ _0\"></span>decre<span class=\"_ _0\"></span>ase by \u20ac2<span class=\"_ _0\"></span>.6 million (2024: \u20ac3.2 millio<span class=\"_ _1\"></span>n) if the allo<span class=\"_ _1\"></span>wances had to be calculated s<span class=\"_ _1\"></span>olely on the baseline s<span class=\"_ _1\"></span>cenario;<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls24 ws9\">ECLs </span></span>would increas<span class=\"_ _1\"></span>e by \u20ac0.8 m<span class=\"_ _1\"></span>illion<span class=\"_ _1\"></span> (2024: \u20ac1.1 mil<span class=\"_ _1\"></span>lion) if th<span class=\"_ _1\"></span>ese had<span class=\"_ _1\"></span> to be estimated u<span class=\"_ _1\"></span>sing o<span class=\"_ _1\"></span>nly the do<span class=\"_ _1\"></span>wnside scenario an<span class=\"_ _1\"></span>d would redu<span class=\"_ _1\"></span>ce by \u20ac4.0 million (2024: \u20ac<span class=\"_ _1\"></span>4.6 millio<span class=\"_ _1\"></span>n) if the ups<span class=\"_ _1\"></span>ide scenario o<span class=\"_ _1\"></span>nly were to be taken into conside<span class=\"_ _0\"></span>ration.<span class=\"_ _0\"></span> This dem<span class=\"_ _0\"></span>onstrates<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls6 ws52\">the Bank\u2019s res<span class=\"_ _1\"></span>ilience in ov<span class=\"_ _1\"></span>ercoming negat<span class=\"_ _1\"></span>ive shocks<span class=\"_ _1\"></span> and its<span class=\"_ _1\"></span> ability to<span class=\"_ _1\"></span> </span></span>absorb such a<span class=\"_ _0\"></span>llowanc<span class=\"_ _0\"></span>e chang<span class=\"_ _0\"></span>es, if<span class=\"_ _0\"></span> nece<span class=\"_ _0\"></span>ssary.<span class=\"ls1 ws1\"> </span>2.3.4.5 C<span class=\"_ _0\"></span>ategorisation of loans and advances to cu<span class=\"_ _0\"></span>stomers for<span class=\"_ _0\"></span> ECL measureme<span class=\"_ _0\"></span>nt<span class=\"ls1\"> </span>As pa<span class=\"_ _1\"></span>rt of th<span class=\"_ _1\"></span>e ECL mod<span class=\"_ _1\"></span>el, th<span class=\"_ _1\"></span>e Grou<span class=\"_ _1\"></span>p clas<span class=\"_ _1\"></span>sifies<span class=\"_ _1\"></span> its exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res to l<span class=\"_ _1\"></span>oans<span class=\"_ _1\"></span> and a<span class=\"_ _1\"></span>dvances<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers i<span class=\"_ _1\"></span>nto<span class=\"_ _1\"></span> homogeneous<span class=\"_ _1\"></span> groups with<span class=\"_ _1\"></span> similar cr<span class=\"_ _1\"></span>edit risk cha<span class=\"_ _1\"></span>racteristics th<span class=\"_ _1\"></span>at includ<span class=\"_ _1\"></span>e instrument ty<span class=\"_ _1\"></span>pe and credit ris<span class=\"_ _1\"></span>k gradings.<span class=\"_ _0\"></span> In this r<span class=\"_ _0\"></span>espect<span class=\"_ _0\"></span>, the G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs the<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">following<span class=\"_ _1\"></span> catego<span class=\"_ _1\"></span>ries fo<span class=\"_ _1\"></span>r ECL <span class=\"_ _1\"></span>measur<span class=\"_ _1\"></span>ement:</span> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws18\">personal po<span class=\"_ _0\"></span>rtfoli<span class=\"_ _0\"></span>o, whic<span class=\"_ _0\"></span>h includes loans and a<span class=\"_ _0\"></span>dvances to i<span class=\"_ _0\"></span>ndividual<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs such as mor<span class=\"_ _0\"></span>tgage<span class=\"_ _0\"></span>s, credi<span class=\"_ _0\"></span>t </span>cards and ot<span class=\"_ _0\"></span>her co<span class=\"_ _0\"></span>nsumer c<span class=\"_ _0\"></span>redit;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsb\">construct<span class=\"_ _0\"></span>ion and rea<span class=\"_ _0\"></span>l estate<span class=\"_ _0\"></span> port<span class=\"_ _0\"></span>folio, w<span class=\"_ _0\"></span>hich inc<span class=\"_ _0\"></span>ludes lo<span class=\"_ _0\"></span>ans and advance<span class=\"_ _0\"></span>s to cu<span class=\"_ _0\"></span>stomer<span class=\"_ _0\"></span>s in respe<span class=\"_ _0\"></span>ct of </span>financi<span class=\"_ _0\"></span>ng construc<span class=\"_ _0\"></span>tion of r<span class=\"_ _0\"></span>eal e<span class=\"_ _0\"></span>state proj<span class=\"_ _0\"></span>ects f<span class=\"_ _0\"></span>or the purpo<span class=\"_ _0\"></span>se of<span class=\"_ _0\"></span> re<span class=\"ls1 ws1\">-<span class=\"ls7\">sale or re<span class=\"_ _0\"></span>ntal; and<span class=\"ls1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws53\">corpora<span class=\"_ _0\"></span>te and com<span class=\"_ _0\"></span>mer<span class=\"_ _0\"></span>cial portf<span class=\"_ _0\"></span>olio, w<span class=\"_ _0\"></span>hich incl<span class=\"_ _0\"></span>udes loans a<span class=\"_ _0\"></span>nd advanc<span class=\"_ _0\"></span>es to b<span class=\"_ _0\"></span>usiness e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es, othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n </span>construction and real estate<span class=\"_ _0\"></span> rel<span class=\"_ _0\"></span>ated borrower<span class=\"_ _0\"></span>s. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-9": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.4.3   Impairmen<span class=\"_ _1\"></span>t of financial<span class=\"_ _1\"></span> assets<span class=\"ls1 ws1\"> </span> <span class=\"_ _24\"> </span><span class=\"ls5 ws2a\">The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> asses<span class=\"_ _1\"></span>ses o<span class=\"_ _1\"></span>n a for<span class=\"_ _1\"></span>ward</span>-<span class=\"ls6 ws23\">lookin<span class=\"_ _1\"></span>g basis<span class=\"_ _1\"></span> the expected cred<span class=\"_ _1\"></span>it losses (\u2018<span class=\"_ _1\"></span>ECLs\u2019) as<span class=\"_ _1\"></span>sociated with its d<span class=\"_ _1\"></span>ebt </span>instrume<span class=\"_ _0\"></span>nts carri<span class=\"_ _0\"></span>ed at am<span class=\"_ _0\"></span>ortised cost and F<span class=\"_ _0\"></span>VOCI a<span class=\"_ _0\"></span>nd with the<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> arising<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> loan commi<span class=\"_ _0\"></span>tments and financi<span class=\"_ _0\"></span>al guara<span class=\"_ _0\"></span>ntee c<span class=\"_ _0\"></span>ontracts. The<span class=\"_ _0\"></span> Group r<span class=\"_ _0\"></span>ec<span class=\"ls7 ws26\">ognises a loss allowance for<span class=\"_ _0\"></span> such losses at each reporting </span>date.<span class=\"_ _1\"></span> The meas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ent of E<span class=\"_ _1\"></span>CLs reflec<span class=\"_ _1\"></span>ts:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws56\">an unbiased a<span class=\"_ _0\"></span>nd proba<span class=\"_ _0\"></span>bility<span class=\"ls1 ws1\">-</span>w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted amount that i<span class=\"_ _0\"></span>s dete<span class=\"_ _0\"></span>rmi<span class=\"_ _0\"></span>ned by evalua<span class=\"_ _0\"></span>ting a rang<span class=\"_ _0\"></span>e of po<span class=\"_ _0\"></span>ssible<span class=\"_ _0\"></span> </span></span>outc<span class=\"_ _1\"></span>omes; <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">the ti<span class=\"_ _1\"></span>me value o<span class=\"_ _1\"></span>f mon<span class=\"_ _1\"></span>ey; and<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reasonable<span class=\"_ _0\"></span> and suppor<span class=\"_ _0\"></span>table inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion that is avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout undue<span class=\"_ _0\"></span> cost or e<span class=\"_ _0\"></span>ffor<span class=\"_ _0\"></span>t at the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> </span></span>date about pa<span class=\"_ _0\"></span>st eve<span class=\"_ _0\"></span>nts, curre<span class=\"_ _11\"></span>nt conditions and fo<span class=\"_ _0\"></span>recasts of<span class=\"_ _11\"></span> future econo<span class=\"_ _0\"></span>mic condit<span class=\"_ _0\"></span>ions. <span class=\"ls1 ws1\"> </span>Note 2<span class=\"_ _1\"></span>.3.4 pro<span class=\"_ _1\"></span>vides<span class=\"_ _1\"></span> more det<span class=\"_ _1\"></span>ail o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Expec<span class=\"_ _1\"></span>ted Cr<span class=\"_ _1\"></span>edit Lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e is meas<span class=\"_ _1\"></span>ured. Expec<span class=\"_ _1\"></span>ted Credi<span class=\"_ _1\"></span>t Los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es are p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e stat<span class=\"_ _1\"></span>ement of fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al pos<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as fol<span class=\"_ _1\"></span>lows:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls7 ws57\">financial assets me<span class=\"_ _0\"></span>asured at amortised cost:<span class=\"_ _0\"></span> as a deduction from the<span class=\"_ _0\"></span> gross carrying amount of the </span></span>assets;<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">loan commit<span class=\"_ _1\"></span>ments and<span class=\"_ _1\"></span> financial guar<span class=\"_ _1\"></span>antee contracts<span class=\"_ _1\"></span>: generally,<span class=\"_ _1\"></span> as a provis<span class=\"_ _1\"></span>ion;</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws11\">financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ent wi<span class=\"_ _0\"></span>th both a draw<span class=\"_ _0\"></span>n and undrawn c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span>, wher<span class=\"_ _0\"></span>eby the G<span class=\"_ _0\"></span>roup cannot ide<span class=\"_ _0\"></span>ntify<span class=\"_ _0\"></span> </span></span>the ECL on t<span class=\"_ _0\"></span>he loan<span class=\"_ _0\"></span> comm<span class=\"_ _0\"></span>itment c<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span> separate<span class=\"_ _0\"></span>ly from<span class=\"_ _0\"></span> that on t<span class=\"_ _0\"></span>he draw<span class=\"_ _0\"></span>n compo<span class=\"_ _0\"></span>nent: the<span class=\"_ _0\"></span> Group<span class=\"_ _0\"></span> presents a c<span class=\"_ _0\"></span>ombine<span class=\"_ _0\"></span>d loss all<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span> both compone<span class=\"_ _0\"></span>nts, as a ded<span class=\"ls6 ws10\">uction from the gross<span class=\"_ _1\"></span> carrying </span>amount of<span class=\"_ _0\"></span> the draw<span class=\"_ _0\"></span>n compone<span class=\"_ _0\"></span>nt; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws83\">debt i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>uments mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at FVOCI<span class=\"_ _1\"></span>: no los<span class=\"_ _1\"></span>s allowa<span class=\"_ _1\"></span>nce is r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed in th<span class=\"_ _1\"></span>e statemen<span class=\"_ _1\"></span>t of fin<span class=\"_ _1\"></span>ancial </span></span>position aga<span class=\"_ _0\"></span>inst the ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ount of the<span class=\"_ _0\"></span> asset because<span class=\"_ _0\"></span> the carryi<span class=\"_ _0\"></span>ng amount of t<span class=\"_ _0\"></span>hese assets is their<span class=\"_ _11\"></span> fair value. Instead, a<span class=\"_ _0\"></span>n amount e<span class=\"_ _0\"></span>qual to the allowance<span class=\"_ _0\"></span> t<span class=\"ls5 ws3b\">hat would<span class=\"_ _1\"></span> aris<span class=\"_ _1\"></span>e if the as<span class=\"_ _1\"></span>sets were<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red at </span>amorti<span class=\"_ _1\"></span>sed co<span class=\"_ _1\"></span>st is reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> in oth<span class=\"_ _1\"></span>er compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income a<span class=\"_ _1\"></span>s an acc<span class=\"_ _1\"></span>umulat<span class=\"_ _1\"></span>ed impa<span class=\"_ _1\"></span>irment a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>, with a corresp<span class=\"_ _1\"></span>onding ch<span class=\"_ _1\"></span>arge to profit or lo<span class=\"_ _1\"></span>ss. 2.      F<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l risk<span class=\"_ _0\"></span> mana<span class=\"_ _0\"></span>geme<span class=\"_ _0\"></span>nt <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"ff1 ls1 ws1\"> </span></span>2.3.4<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws6\">E<span class=\"_ _1\"></span>xpected<span class=\"_ _1\"></span> Credit L<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span> measur<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span></span> </span>IFRS 9 outlines<span class=\"_ _1\"></span> a 'three<span class=\"ls1 ws1\">-</span>stage' mod<span class=\"_ _1\"></span>el for impair<span class=\"_ _1\"></span>ment bas<span class=\"_ _1\"></span>ed on chan<span class=\"_ _1\"></span>ges in credit qualit<span class=\"_ _1\"></span>y since initi<span class=\"_ _1\"></span>al recogn<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as su<span class=\"_ _1\"></span>mmaris<span class=\"_ _1\"></span>ed below:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022 a financial in<span class=\"_ _1\"></span>strument that is not cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-</span>impaired on in<span class=\"_ _1\"></span>itial recognition is<span class=\"_ _1\"></span> classified in 'Stage 1' and<span class=\"_ _1\"></span> has its cre<span class=\"_ _0\"></span>dit risk co<span class=\"_ _0\"></span>ntinuousl<span class=\"_ _0\"></span>y monitor<span class=\"_ _0\"></span>ed by the G<span class=\"_ _0\"></span>roup;<span class=\"ls1 ws1\"> </span>\u2022 if a significan<span class=\"_ _1\"></span>t increase in credit<span class=\"_ _1\"></span> risk (\u2018SICR\u2019) sin<span class=\"_ _1\"></span>ce initial recognit<span class=\"_ _1\"></span>ion is iden<span class=\"_ _1\"></span>tified, the financial ins<span class=\"_ _1\"></span>trument is mov<span class=\"_ _1\"></span>ed to 'S<span class=\"_ _1\"></span>tage 2<span class=\"_ _1\"></span>' but is<span class=\"_ _1\"></span> not yet<span class=\"_ _1\"></span> deemed<span class=\"_ _1\"></span> to be cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-</span>i<span class=\"_ _1\"></span>mpai<span class=\"_ _1\"></span>red. Plea<span class=\"_ _1\"></span>se ref<span class=\"_ _1\"></span>er to n<span class=\"_ _1\"></span>ote<span class=\"_ _1\"></span> 2.3.4.1 fo<span class=\"_ _1\"></span>r a descript<span class=\"_ _0\"></span>ion of how<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span> deter<span class=\"_ _0\"></span>mines<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">when a significan<span class=\"_ _1\"></span>t increas<span class=\"_ _1\"></span>e in credit risk h<span class=\"_ _1\"></span>as occurred;</span> </span>\u2022 if the financial i<span class=\"_ _1\"></span>nstrument is credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">i<span class=\"_ _1\"></span>mpaired<span class=\"_ _1\"></span>, the fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l instru<span class=\"_ _1\"></span>ment is<span class=\"_ _1\"></span> then mov<span class=\"_ _1\"></span>ed to 'Sta<span class=\"_ _1\"></span>ge 3'. Pleas<span class=\"_ _1\"></span>e </span></span>refer to n<span class=\"_ _1\"></span>ote 2.3<span class=\"_ _1\"></span>.4.2 fo<span class=\"_ _1\"></span>r a des<span class=\"_ _1\"></span>crip<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> defin<span class=\"_ _1\"></span>es cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">impaired and de<span class=\"_ _0\"></span>fault;<span class=\"ls1 ws1\"> </span></span></span>\u2022 financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents in \u2018S<span class=\"_ _0\"></span>tage 1<span class=\"_ _0\"></span>\u2019 have the<span class=\"_ _0\"></span>ir ECL m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at an amount equal<span class=\"_ _0\"></span> to the port<span class=\"_ _0\"></span>ion of<span class=\"_ _0\"></span> lif<span class=\"_ _0\"></span>etime expec<span class=\"_ _0\"></span>ted credi<span class=\"_ _0\"></span>t losses that r<span class=\"_ _0\"></span>esult from<span class=\"_ _0\"></span> default e<span class=\"_ _0\"></span>vents possible<span class=\"_ _0\"></span> withi<span class=\"_ _0\"></span>n the next 12 m<span class=\"_ _0\"></span>onths. Instrum<span class=\"_ _0\"></span>ents in \u2018St<span class=\"_ _1\"></span>ages 2\u2019<span class=\"_ _1\"></span> or \u20183\u2019 hav<span class=\"_ _1\"></span>e their ECL mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> bas<span class=\"_ _1\"></span>ed on expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses on a<span class=\"_ _1\"></span> lifetim<span class=\"_ _1\"></span>e basi<span class=\"_ _1\"></span>s. Plea<span class=\"_ _1\"></span>se refe<span class=\"_ _0\"></span>r to note<span class=\"_ _0\"></span> 2.3.4<span class=\"_ _0\"></span>.3 for<span class=\"_ _0\"></span> a de<span class=\"_ _0\"></span>scriptio<span class=\"_ _0\"></span>n of inpu<span class=\"_ _0\"></span>ts, as<span class=\"_ _0\"></span>sumptions <span class=\"_ _0\"></span>and e<span class=\"_ _0\"></span>stimati<span class=\"_ _0\"></span>on techni<span class=\"_ _0\"></span>ques use<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span> measu<span class=\"_ _1\"></span>ring th<span class=\"_ _1\"></span>e ECL;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022 a pervas<span class=\"_ _1\"></span>ive concept in measuring E<span class=\"_ _1\"></span>CL in accordance with IFRS 9 i<span class=\"_ _1\"></span>s that it should consider forward<span class=\"_ _1\"></span> looking i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>ation. Note<span class=\"_ _0\"></span> 2.3.4.4 inc<span class=\"_ _0\"></span>ludes an e<span class=\"_ _0\"></span>xplanation o<span class=\"_ _0\"></span>f how the Group ha<span class=\"_ _0\"></span>s incorpora<span class=\"_ _0\"></span>ted this in i<span class=\"_ _0\"></span>ts ECL mod<span class=\"_ _1\"></span>els; an<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\"> </span>\u2022 purchased or<span class=\"_ _0\"></span> ori<span class=\"_ _0\"></span>ginated c<span class=\"_ _0\"></span>redit<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws85\">impaired financia<span class=\"_ _1\"></span>l assets are tho<span class=\"_ _1\"></span>se financial ass<span class=\"_ _1\"></span>ets that are credit</span>-<span class=\"_ _bc\"> </span></span>impaired on in<span class=\"_ _1\"></span>itial recognitio<span class=\"_ _1\"></span>n. Their ECL<span class=\"_ _1\"></span> is always meas<span class=\"_ _1\"></span>ured on<span class=\"_ _1\"></span> a lifetime basis (\u2018<span class=\"_ _1\"></span>Stage 3\u2019).<span class=\"ls1 ws1\"> </span>Further<span class=\"_ _0\"></span> explanat<span class=\"_ _0\"></span>ion is a<span class=\"_ _0\"></span>lso pro<span class=\"_ _0\"></span>vided i<span class=\"_ _0\"></span>n respe<span class=\"_ _0\"></span>ct of <span class=\"_ _0\"></span>how the<span class=\"_ _0\"></span> Group de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ines appropr<span class=\"_ _0\"></span>iate g<span class=\"_ _11\"></span>roupings of loans<span class=\"_ _0\"></span> and a<span class=\"_ _1\"></span>dvanc<span class=\"_ _1\"></span>es to cu<span class=\"_ _1\"></span>stomer<span class=\"_ _1\"></span>s for E<span class=\"_ _1\"></span>CL measu<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span> (refer t<span class=\"_ _1\"></span>o n<span class=\"_ _1\"></span>ote 2.3.4<span class=\"_ _1\"></span>.5).<span class=\"ls1 ws1\"> </span>The Expe<span class=\"_ _0\"></span>cted Cre<span class=\"_ _0\"></span>dit Loss re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents appl<span class=\"_ _0\"></span>y to financ<span class=\"_ _0\"></span>ial assets m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amor<span class=\"_ _0\"></span>tised cost a<span class=\"_ _0\"></span>nd FVOC<span class=\"_ _0\"></span>I, and certain<span class=\"_ _1\"></span> loan commitmen<span class=\"_ _1\"></span>ts and fin<span class=\"_ _1\"></span>ancial guara<span class=\"_ _1\"></span>ntee contracts. At in<span class=\"_ _1\"></span>itial recognitio<span class=\"_ _1\"></span>n, an impair<span class=\"_ _1\"></span>ment allowa<span class=\"_ _1\"></span>nce (or p<span class=\"_ _1\"></span>rovi<span class=\"_ _1\"></span>sion i<span class=\"_ _1\"></span>n the cas<span class=\"_ _1\"></span>e of commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> a<span class=\"ls8 ws56\">nd guarante<span class=\"_ _0\"></span>es) is re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d for E<span class=\"_ _0\"></span>CL re<span class=\"_ _0\"></span>sulting f<span class=\"_ _0\"></span>rom </span>default<span class=\"_ _0\"></span> events tha<span class=\"_ _0\"></span>t are possi<span class=\"_ _0\"></span>ble w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> next 12 m<span class=\"_ _0\"></span>onths (12<span class=\"ls1 ws1\">-</span>mo<span class=\"_ _0\"></span>nth ECL). I<span class=\"_ _0\"></span>n the event of a si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant increase in cred<span class=\"_ _1\"></span>it risk, an allowan<span class=\"_ _1\"></span>ce (or provis<span class=\"_ _1\"></span>ion) is requ<span class=\"_ _1\"></span>ired for ECL resulting from a<span class=\"_ _1\"></span>ll possib<span class=\"_ _1\"></span>le <span class=\"ls5 ws7\">default </span>event<span class=\"_ _1\"></span>s over<span class=\"_ _1\"></span> the expec<span class=\"_ _1\"></span>ted life<span class=\"_ _1\"></span> of the fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ins<span class=\"_ _1\"></span>trument (l<span class=\"_ _1\"></span>ifetime E<span class=\"_ _1\"></span>CL). Fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets where 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ws7\">month<span class=\"_ _1\"></span> </span>ECL is recogni<span class=\"_ _1\"></span>sed are con<span class=\"_ _1\"></span>sidered<span class=\"_ _1\"></span> \u2018Stage 1\u2019. <span class=\"ls8 wsa\">As outlined previously, f<span class=\"_ _0\"></span><span class=\"ls6 ws7\">inancial as<span class=\"_ _1\"></span>sets which a<span class=\"_ _1\"></span>re considered to<span class=\"_ _1\"></span> </span></span>have experienced a<span class=\"_ _1\"></span> significant in<span class=\"_ _1\"></span>crease in credit ris<span class=\"_ _1\"></span>k would be classified as<span class=\"_ _1\"></span> \u2018Stage 2\u2019 and financial a<span class=\"_ _1\"></span>ssets for which t<span class=\"_ _1\"></span>here is<span class=\"_ _1\"></span> object<span class=\"_ _1\"></span>ive evid<span class=\"_ _1\"></span>ence o<span class=\"_ _1\"></span>f imp<span class=\"_ _1\"></span>airmen<span class=\"_ _1\"></span>t, th<span class=\"_ _1\"></span>us cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> to be in<span class=\"_ _1\"></span> defau<span class=\"_ _1\"></span>lt or oth<span class=\"_ _1\"></span>erwise cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>i<span class=\"ls6 ws7\">mpaired, would<span class=\"_ _1\"></span> be classified <span class=\"_ _1\"></span>as \u2018Sta<span class=\"_ _1\"></span>ge 3\u2019.</span> The Group re<span class=\"_ _0\"></span>cognises loss allowance<span class=\"_ _0\"></span>s at an amount equal <span class=\"_ _0\"></span>to 12<span class=\"ls1 ws1\">-<span class=\"ls5 ws2a\">month ECL<span class=\"_ _1\"></span> for debt<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ment secu<span class=\"_ _1\"></span>rities<span class=\"_ _1\"></span> </span></span>that are de<span class=\"_ _0\"></span>termine<span class=\"_ _0\"></span>d to have low<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk at the re<span class=\"_ _0\"></span>porting date<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup conside<span class=\"_ _0\"></span>rs a debt securi<span class=\"_ _0\"></span>ty to have low credit r<span class=\"_ _1\"></span>isk when it is<span class=\"_ _1\"></span> considered \u2018i<span class=\"_ _1\"></span>nv<span class=\"ls5 ws7\">est<span class=\"_ _1\"></span>ment<span class=\"ls1 ws1\">-<span class=\"lsb ws2c\">grade\u2019, <span class=\"_ _14\"></span><span class=\"ls7 ws4e\">as <span class=\"_ _10\"> </span><span class=\"ls8 ws4f\">defined by re<span class=\"_ _0\"></span>cogni<span class=\"_ _0\"></span>sed exte<span class=\"_ _0\"></span>rnal ra<span class=\"_ _0\"></span>ting </span></span></span></span></span>agencies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The foll<span class=\"_ _0\"></span>owing diag<span class=\"_ _0\"></span>ram summarise<span class=\"_ _0\"></span>s the im<span class=\"_ _0\"></span>pairment requi<span class=\"_ _0\"></span>rements unde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9 (other than purc<span class=\"_ _0\"></span>hased or originated cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-</span>impaired f<span class=\"_ _1\"></span>inancial a<span class=\"_ _1\"></span>ssets):<span class=\"ls1 ws1\"> </span><table class=\"s w1e0 h1aa\" id=\"_be18df2e-83e5-49dd-8f87-8eaba9e6537c\"><tr><td class=\"c x2bb y1e52 wc3 ha4\"><div class=\"t m0 x106 h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 1<span class=\"ffa ls1\"> </span></div></td><td class=\"c x2bc y1e52 wc4 ha4\"><div class=\"t m0 x14 h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 2<span class=\"ffa ls1\"> </span></div></td><td class=\"c x2bd y1e52 wc5 ha4\"><div class=\"t m0 x46 h9 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 3<span class=\"ls1\"> </span></div></td></tr><tr><td class=\"c x2bb y1e53 wc3 hcb\"><div class=\"t m0 x4f h3 ye50 ff1 fs1 fc0 sc0 ls6 ws7\">(Initial recogn<span class=\"_ _1\"></span>ition)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2bc y1e53 wc4 hcb\"><div class=\"t m0 xe9 h3 ye50 ff1 fs1 fc0 sc0 ls6 ws7\">(Significan<span class=\"_ _1\"></span>t increase in credi<span class=\"_ _1\"></span>t risk </div></td><td class=\"t m0 x2be h3 y1e54 ff1 fs1 fc0 sc0 ls5 ws7\">(Credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ls6\">impair<span class=\"_ _1\"></span>ed financial</span><span class=\"ls6\"> </span></td></tr><tr><td></td><td class=\"c x2bc y1e53 wc4 hcb\"><div class=\"t m0 xe5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">since initia<span class=\"_ _1\"></span>l recognition)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"t m0 x2bf h3 y1e55 ff1 fs1 fc0 sc0 lse ws8b\">assets)<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td class=\"c x2bb y1e56 wc3 hcb\"><div class=\"t m0 x88 h3 ye52 ff1 fs1 fc0 sc0 ls6 ws8\">12<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">mont<span class=\"_ _1\"></span>h expect<span class=\"_ _1\"></span>ed cr<span class=\"_ _1\"></span>edit lo<span class=\"_ _1\"></span>sses</span></span><span class=\"ls1 ws1\"><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x2bc y1e56 wc4 hcb\"><div class=\"t m0 x11 h3 ye52 ff1 fs1 fc0 sc0 ls5 ws6\">Lifeti<span class=\"_ _1\"></span>me exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2bd y1e56 wc5 hcb\"><div class=\"t m0 xdf h3 ye52 ff1 fs1 fc0 sc0 ls5 ws6\">Lifeti<span class=\"_ _1\"></span>me exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit </div></td></tr><tr><td></td><td></td><td class=\"c x2bd y1e56 wc5 hcb\"><div class=\"t m0 xf h3 y8d0 ff1 fs1 fc0 sc0 lse ws8b\">losses<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr></table>2.3.4.1<span class=\"ls1 ws1\"> <span class=\"_ _8a\"> </span></span><span class=\"ws7\">Signi<span class=\"_ _1\"></span>ficant increase in<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk (\u2018SICR\u2019)<span class=\"ls1 ws1\"> </span></span>To det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>e whet<span class=\"_ _1\"></span>her the<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k (i.<span class=\"_ _1\"></span>e. risk<span class=\"_ _1\"></span> of d<span class=\"_ _1\"></span>efaul<span class=\"_ _1\"></span>t) on a<span class=\"_ _1\"></span> financ<span class=\"_ _1\"></span>ial i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>ument<span class=\"_ _1\"></span> has<span class=\"_ _1\"></span> increas<span class=\"_ _1\"></span>ed signifi<span class=\"_ _0\"></span>cantly sinc<span class=\"_ _0\"></span>e init<span class=\"_ _0\"></span>ial recogniti<span class=\"_ _0\"></span>on, the G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs reasona<span class=\"_ _0\"></span>ble and supporta<span class=\"_ _11\"></span>ble informati<span class=\"_ _0\"></span>on that is rele<span class=\"_ _0\"></span>vant and avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout un<span class=\"_ _0\"></span>due cost<span class=\"_ _0\"></span> or e<span class=\"_ _0\"></span>ffort,<span class=\"_ _0\"></span> incl<span class=\"_ _0\"></span>uding both<span class=\"_ _0\"></span> quantita<span class=\"_ _0\"></span>tive a<span class=\"_ _0\"></span>nd qualit<span class=\"_ _0\"></span>ative<span class=\"_ _0\"></span> inform<span class=\"_ _0\"></span>ation. S<span class=\"_ _0\"></span>uch analysis is based on the<span class=\"_ _0\"></span> Group\u2019s hi<span class=\"_ _0\"></span>storical<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>rience, cre<span class=\"_ _0\"></span>dit assessme<span class=\"_ _0\"></span>nt and forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>looking inform<span class=\"_ _0\"></span>ation. <span class=\"ls1\"> </span>The G<span class=\"_ _0\"></span>roup prim<span class=\"_ _0\"></span>arily ide<span class=\"_ _0\"></span>ntifi<span class=\"_ _0\"></span>es whethe<span class=\"_ _0\"></span>r a SIC<span class=\"_ _0\"></span>R has occur<span class=\"_ _0\"></span>red <span class=\"_ _0\"></span>for an e<span class=\"_ _0\"></span>xposure w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> loa<span class=\"_ _0\"></span>ns and ad<span class=\"_ _0\"></span>vances<span class=\"_ _0\"></span> to custome<span class=\"_ _0\"></span>rs, throug<span class=\"_ _0\"></span>h the Gr<span class=\"_ _0\"></span>oup\u2019s inter<span class=\"_ _0\"></span>nal risk gr<span class=\"_ _0\"></span>adings. T<span class=\"_ _11\"></span>he Group allocat<span class=\"_ _0\"></span>es eac<span class=\"_ _0\"></span>h exposure to an inte<span class=\"_ _0\"></span>rnal rating grade based on a varie<span class=\"_ _0\"></span>ty of data that<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls8 ws18\">is determ<span class=\"_ _0\"></span>ined to be pre<span class=\"_ _0\"></span>dictive<span class=\"_ _0\"></span> of the ri<span class=\"_ _0\"></span>sk of default and appl<span class=\"_ _0\"></span>ying </span></span>exper<span class=\"_ _0\"></span>ienced c<span class=\"_ _0\"></span>redit judgeme<span class=\"_ _0\"></span>nt. These f<span class=\"_ _0\"></span>actors vary de<span class=\"_ _0\"></span>pending on the<span class=\"_ _0\"></span> nature of the<span class=\"_ _0\"></span> exposure and the type<span class=\"_ _0\"></span> of borrow<span class=\"_ _0\"></span>er. Exposure<span class=\"_ _0\"></span>s are subje<span class=\"_ _0\"></span>ct to ong<span class=\"_ _0\"></span>oing moni<span class=\"_ _0\"></span>toring, whi<span class=\"_ _0\"></span>ch may resul<span class=\"_ _0\"></span>t in an expos<span class=\"ls5 ws3b\">ure being <span class=\"_ _1\"></span>moved<span class=\"_ _1\"></span> </span>to a d<span class=\"_ _1\"></span>ifferent i<span class=\"_ _1\"></span>nterna<span class=\"_ _1\"></span>l ratin<span class=\"_ _1\"></span>g gra<span class=\"_ _1\"></span>de.<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup ident<span class=\"_ _0\"></span>ifies SI<span class=\"_ _0\"></span>CR and classif<span class=\"_ _0\"></span>ies such non<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws6\">defau<span class=\"_ _1\"></span>lted exp<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>es int<span class=\"_ _1\"></span>o \u2018Stag<span class=\"_ _1\"></span>e 2\u2019 when t<span class=\"_ _1\"></span>hey fu<span class=\"_ _1\"></span>lfil at </span></span>least one of th<span class=\"_ _1\"></span>e following con<span class=\"_ _1\"></span>ditions<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the ex<span class=\"_ _0\"></span>posure is c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d forbor<span class=\"_ _0\"></span>ne;<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws45\">the cred<span class=\"_ _1\"></span>it qua<span class=\"_ _1\"></span>lity o<span class=\"_ _1\"></span>f any o<span class=\"_ _1\"></span>ther exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>re(s) of t<span class=\"_ _1\"></span>he sa<span class=\"_ _1\"></span>me cus<span class=\"_ _1\"></span>tomer is<span class=\"_ _1\"></span>/are no<span class=\"_ _1\"></span>t cons<span class=\"_ _1\"></span>ider<span class=\"_ _1\"></span>ed \u2018reg<span class=\"_ _1\"></span>ular<span class=\"_ _1\"></span>\u2019 (except<span class=\"_ _1\"></span> </span>where ot<span class=\"_ _1\"></span>herwis<span class=\"_ _1\"></span>e sta<span class=\"_ _1\"></span>ted in t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s C<span class=\"_ _1\"></span>redit Po<span class=\"_ _1\"></span>licy e.g<span class=\"_ _1\"></span>. cash<span class=\"_ _1\"></span> covered<span class=\"_ _1\"></span> facilit<span class=\"_ _1\"></span>ies); a<span class=\"_ _1\"></span>nd<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span>\u2019s internal<span class=\"_ _0\"></span> rating g<span class=\"_ _0\"></span>rade i<span class=\"_ _0\"></span>s not consider<span class=\"_ _0\"></span>ed \u2018per<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ing\u2019, as de<span class=\"_ _0\"></span>fined i<span class=\"_ _0\"></span>n note 2.<span class=\"_ _0\"></span>3.8.<span class=\"ls1 ws1\"> </span></span>As referred to<span class=\"_ _1\"></span> previousl<span class=\"_ _1\"></span>y, exist<span class=\"_ _1\"></span>ing geopolitical fa<span class=\"_ _1\"></span>ctors a<span class=\"_ _1\"></span>s well as t<span class=\"_ _1\"></span>he current<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws7\">market</span> <span class=\"_ _14\"> </span><span class=\"ls8 ws33\">s<span class=\"_ _1\"></span>cenarios, w<span class=\"_ _0\"></span>ith the </span></span>consequent<span class=\"_ _0\"></span>ial ec<span class=\"_ _0\"></span>onomic conditio<span class=\"_ _0\"></span>ns, continue<span class=\"_ _0\"></span> to pose an e<span class=\"_ _0\"></span>levate<span class=\"_ _0\"></span>d level of unce<span class=\"_ _0\"></span>rtainty,<span class=\"_ _0\"></span> particul<span class=\"_ _0\"></span>arly wi<span class=\"_ _0\"></span>th respec<span class=\"_ _1\"></span>t to th<span class=\"_ _1\"></span>e ident<span class=\"_ _1\"></span>ificatio<span class=\"_ _1\"></span>n o<span class=\"_ _1\"></span>f custo<span class=\"_ _1\"></span>mers th<span class=\"_ _1\"></span>at wou<span class=\"_ _1\"></span>ld ha<span class=\"_ _1\"></span>ve experienc<span class=\"_ _1\"></span>ed a S<span class=\"_ _1\"></span>ICR.<span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank<span class=\"ls1 ws1\">\u2019</span>s individual<span class=\"ls1 ws1\"> </span><span class=\"ws16\">debtor<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws11\">focused approa<span class=\"_ _0\"></span>ch enable<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span> identi<span class=\"_ _0\"></span>ficati<span class=\"_ _0\"></span>on of SI<span class=\"_ _0\"></span>CR of signi<span class=\"_ _0\"></span>ficant e<span class=\"_ _0\"></span>xposures<span class=\"_ _0\"></span>, </span></span></span>specifically with<span class=\"_ _1\"></span>in its corp<span class=\"_ _1\"></span>orate and co<span class=\"_ _1\"></span>mmercial portfolio<span class=\"_ _1\"></span>. These expos<span class=\"_ _1\"></span>ures are as<span class=\"_ _1\"></span>sessed perio<span class=\"_ _1\"></span>dically for<span class=\"_ _1\"></span> SICR t<span class=\"_ _0\"></span>hrough indivi<span class=\"_ _0\"></span>dual c<span class=\"_ _0\"></span>redit <span class=\"_ _0\"></span>risk as<span class=\"_ _0\"></span>sessme<span class=\"_ _0\"></span>nts, on <span class=\"_ _0\"></span>the ba<span class=\"_ _0\"></span>sis o<span class=\"_ _0\"></span>f <span class=\"ls5 ws3f\">recently<span class=\"_ _1\"></span> obtai<span class=\"_ _1\"></span>ned man<span class=\"_ _1\"></span>agement i<span class=\"_ _1\"></span>nforma<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> </span>including<span class=\"_ _0\"></span> fore<span class=\"_ _0\"></span>casts. Exposure<span class=\"_ _0\"></span>s in respe<span class=\"_ _0\"></span>ct of whi<span class=\"_ _0\"></span>ch SICR has been o<span class=\"_ _0\"></span>bserved ar<span class=\"_ _0\"></span>e attributed hig<span class=\"_ _0\"></span>her ECL<span class=\"_ _0\"></span>, and are as<span class=\"_ _1\"></span>signed<span class=\"_ _1\"></span> an elev<span class=\"_ _1\"></span>ated i<span class=\"_ _1\"></span>nterna<span class=\"_ _1\"></span>l ratin<span class=\"_ _1\"></span>g of <span class=\"ls9 ws6f\">P2 or P3<span class=\"ls8 ws2d\">, hence r<span class=\"_ _11\"></span>equiring close<span class=\"_ _0\"></span>r and more<span class=\"_ _0\"></span> fre<span class=\"_ _0\"></span>quent monitor<span class=\"_ _0\"></span>ing </span></span>on a monthly or<span class=\"_ _0\"></span> quarte<span class=\"_ _0\"></span>rly ba<span class=\"_ _0\"></span>sis (depe<span class=\"_ _0\"></span>nding on the<span class=\"_ _0\"></span> exte<span class=\"_ _0\"></span>nt of<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit risk de<span class=\"_ _0\"></span>terio<span class=\"_ _0\"></span>ration) to f<span class=\"_ _0\"></span>acilit<span class=\"_ _0\"></span>ate time<span class=\"_ _0\"></span>ly identif<span class=\"_ _0\"></span>icati<span class=\"_ _0\"></span>on of furthe<span class=\"_ _0\"></span>r deteriorati<span class=\"_ _0\"></span>on in fina<span class=\"_ _0\"></span>ncial c<span class=\"_ _0\"></span>ondition. The<span class=\"_ _0\"></span> assessment<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span> to be perfo<span class=\"_ _0\"></span>rmed by the Com<span class=\"_ _1\"></span>merci<span class=\"_ _1\"></span>al Cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\"> </span>D<span class=\"_ _1\"></span>epart<span class=\"_ _1\"></span>ment an<span class=\"_ _1\"></span>d are di<span class=\"_ _1\"></span>scus<span class=\"_ _1\"></span>sed a<span class=\"_ _1\"></span>nd rev<span class=\"_ _1\"></span>iewed a<span class=\"_ _1\"></span>t Cred<span class=\"_ _1\"></span>it Co<span class=\"_ _1\"></span>mmittee <span class=\"_ _1\"></span>or Bo<span class=\"_ _1\"></span>ard lev<span class=\"_ _1\"></span>el as<span class=\"_ _1\"></span> applicab<span class=\"_ _1\"></span>le.<span class=\"ls1 ws1\"> </span>For the pur<span class=\"_ _0\"></span>pose of a<span class=\"_ _0\"></span>chieving<span class=\"_ _0\"></span> a compr<span class=\"_ _0\"></span>ehensi<span class=\"_ _0\"></span>ve assessm<span class=\"_ _0\"></span>ent the<span class=\"_ _0\"></span> Bank also ut<span class=\"_ _0\"></span>ilises,<span class=\"_ _0\"></span> as applic<span class=\"_ _0\"></span>able, segmentation<span class=\"_ _1\"></span> techniq<span class=\"_ _1\"></span>ues in relation<span class=\"_ _1\"></span> to identifyi<span class=\"_ _1\"></span>ng indicato<span class=\"_ _1\"></span>rs of SICR<span class=\"_ _1\"></span> within bot<span class=\"_ _1\"></span>h corpor<span class=\"_ _1\"></span>ate &amp; commer<span class=\"_ _1\"></span>cial and personal portfolios. <span class=\"ls1\"> </span>In relat<span class=\"_ _0\"></span>ion to per<span class=\"_ _0\"></span>sonal por<span class=\"_ _0\"></span>tf<span class=\"_ _0\"></span>olios, SIC<span class=\"_ _0\"></span>R is ge<span class=\"_ _0\"></span>neral<span class=\"_ _0\"></span>ly dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d on the basis<span class=\"_ _0\"></span> of de<span class=\"_ _0\"></span>linquenc<span class=\"_ _0\"></span>y relat<span class=\"_ _0\"></span>ed indicato<span class=\"_ _1\"></span>rs since less<span class=\"_ _1\"></span> information is<span class=\"_ _1\"></span> available at as<span class=\"_ _1\"></span>set level to enable th<span class=\"_ _1\"></span>e timely identificat<span class=\"_ _1\"></span>ion of a<span class=\"_ _1\"></span> SICR. The Bank conti<span class=\"_ _0\"></span>nues to apply r<span class=\"_ _0\"></span>igoro<span class=\"_ _0\"></span>usly its cr<span class=\"_ _0\"></span>edit asse<span class=\"_ _0\"></span>ssme<span class=\"_ _0\"></span>nt and oversi<span class=\"_ _0\"></span>ght proce<span class=\"_ _0\"></span>sses, whi<span class=\"_ _0\"></span>ch include<span class=\"_ _0\"></span> monit<span class=\"_ _0\"></span>oring of arre<span class=\"_ _0\"></span>ars. Pe<span class=\"_ _0\"></span>rsonal borr<span class=\"_ _0\"></span>owers a<span class=\"_ _0\"></span>re con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span>ed to ex<span class=\"_ _0\"></span>hibit <span class=\"_ _0\"></span>signs of<span class=\"_ _0\"></span> SICR<span class=\"_ _0\"></span> and co<span class=\"_ _0\"></span>nsequentl<span class=\"_ _0\"></span>y downg<span class=\"_ _0\"></span>raded to<span class=\"_ _0\"></span> Stage 2 if they met t<span class=\"_ _1\"></span>he followi<span class=\"_ _1\"></span>ng criteria:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">repaym<span class=\"_ _0\"></span>ents bei<span class=\"_ _0\"></span>ng past<span class=\"ls1 ws1\"> </span>due by<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">30 days or<span class=\"_ _1\"></span></span> <span class=\"ls5 ws6\">more; an<span class=\"_ _1\"></span>d</span> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">other qualit<span class=\"_ _1\"></span>ative criteria, in<span class=\"_ _1\"></span>cluding bu<span class=\"_ _1\"></span>t not limited to actu<span class=\"_ _1\"></span>al or poten<span class=\"_ _1\"></span>tial loss o<span class=\"_ _1\"></span>f personal income.</span> In respect of <span class=\"_ _1\"></span>individ<span class=\"_ _1\"></span>ually si<span class=\"_ _1\"></span>gnificant loan<span class=\"_ _1\"></span>s within th<span class=\"_ _1\"></span>e corpora<span class=\"_ _1\"></span>te and commercia<span class=\"_ _1\"></span>l portfolio<span class=\"_ _1\"></span>, du<span class=\"_ _1\"></span>ring 202<span class=\"ls1 ws1\">5<span class=\"ls9 ws8\">, the </span></span>Bank foc<span class=\"_ _0\"></span>used partic<span class=\"_ _0\"></span>ularly on<span class=\"_ _0\"></span> those bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>rs that<span class=\"_ _0\"></span> are d<span class=\"_ _0\"></span>eeme<span class=\"_ _0\"></span>d to be mor<span class=\"_ _0\"></span>e susce<span class=\"_ _0\"></span>ptible to<span class=\"_ _0\"></span> the curr<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> economic <span class=\"ls5 ws7\">en<span class=\"_ _1\"></span>viro<span class=\"_ _1\"></span>nment.<span class=\"_ _bc\"> </span></span><span class=\"ls5 ws7\"><span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>A set of crit<span class=\"_ _1\"></span>eria specif<span class=\"_ _1\"></span>ically de<span class=\"_ _1\"></span>signed to a<span class=\"_ _1\"></span>ddress credi<span class=\"_ _1\"></span>t risk d<span class=\"_ _1\"></span>eteriorations<span class=\"_ _1\"></span>, is in pla<span class=\"_ _1\"></span>ce to de<span class=\"_ _1\"></span>termine wh<span class=\"_ _1\"></span>ether borrowers exhi<span class=\"_ _1\"></span>bit signs<span class=\"_ _1\"></span> of SICR.<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 wsb\">In summary, the B<span class=\"_ _0\"></span>ank\u2019s moni<span class=\"_ _0\"></span>toring typi<span class=\"_ _0\"></span>cally i<span class=\"_ _0\"></span>ncludes the asse<span class=\"_ _0\"></span>ssment of </span></span>following risk cr<span class=\"_ _1\"></span>iteria:<span class=\"ls1 ws1\"> </span><table class=\"s w1e1 h1ab\" id=\"_3b964ca5-d758-4674-af33-8b9737c54082\"><tr><td class=\"c n x2c1 y1e57 w1e2 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls28 ws0\">Corporate<span class=\"_ _1\"></span> and commercial e<span class=\"_ _1\"></span>xposures<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c n x2c2 y1e57 w1e3 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls28 ws0\">Personal exposur<span class=\"_ _1\"></span>es<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c n x2c3 y1e57 w1e4 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls27 ws97\">All exposu<span class=\"_ _1\"></span>res<span class=\"_ _bc\"> </span></div></td><td></td></tr><tr><td class=\"c x270 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c4 y1e59 w1e6 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls29 ws98\">inform<span class=\"_ _1\"></span>ation o<span class=\"_ _1\"></span>btained du<span class=\"_ _1\"></span>ring per<span class=\"_ _1\"></span>io<span class=\"_ _1\"></span>dic review o<span class=\"_ _1\"></span>f<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c5 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c6 y1e59 w1e7 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls28 ws0\">internally co<span class=\"_ _1\"></span>llected<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c7 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c8 y1e59 w1e8 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\"><span class=\"ls29 ws98\">payment rec<span class=\"_ _1\"></span>ord </span>\u2013 <span class=\"ls29 ws9a\">thi<span class=\"_ _1\"></span>s<span class=\"_ _bc\"> </span></span></div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5a ff1 fs8 fc0 sc0 ls4 ws9a\">customer f<span class=\"_ _1\"></span>iles <span class=\"ls1 ws1\">\u2013 </span>e.g. a<span class=\"_ _1\"></span>udited fina<span class=\"_ _1\"></span>ncial stat<span class=\"_ _1\"></span>ements, </td><td class=\"t m0 x2ca h25 y1e5a ff1 fs8 fc0 sc0 ls29 ws98\" colspan=\"2\">data on c<span class=\"_ _1\"></span>ustomer </td><td class=\"t m0 x2cb h25 y1e5a ff1 fs8 fc0 sc0 ls4 ws9a\" colspan=\"2\">includes o<span class=\"_ _1\"></span>verdue stat<span class=\"_ _1\"></span>us </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5b ff1 fs8 fc0 sc0 ls29 ws98\">managemen<span class=\"_ _1\"></span>t acc<span class=\"_ _1\"></span>ounts, bu<span class=\"_ _1\"></span>dgets <span class=\"_ _1\"></span>and projec<span class=\"_ _1\"></span>tions. </td><td class=\"t m0 x2ca h25 y1e5b ff1 fs8 fc0 sc0 ls29 ws9a\" colspan=\"2\">behaviour<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ls4 ws0\">e.g.</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"> </span></span></td><td class=\"t m0 x2cb h25 y1e5b ff1 fs8 fc0 sc0 ls4 ws9a\" colspan=\"2\">as well as a r<span class=\"_ _1\"></span>ange of </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5c ff1 fs8 fc0 sc0 ls4 ws9a\">Exam<span class=\"_ _1\"></span>ples of areas o<span class=\"_ _1\"></span>f particular<span class=\"_ _1\"></span> focus are: gro<span class=\"_ _1\"></span>ss </td><td class=\"t m0 x2ca h25 y1e5c ff1 fs8 fc0 sc0 ls28 ws0\" colspan=\"2\">utilisatio<span class=\"_ _1\"></span>n of credit </td><td class=\"c x2cc y1e5d wc8 hcd\" colspan=\"2\"><div class=\"t m0 x90 h25 ye84 ff1 fs8 fc0 sc0 ls29 ws98\">variables a<span class=\"_ _1\"></span>bout pa<span class=\"_ _1\"></span>yment </div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5e ff1 fs8 fc0 sc0 ls4 ws9a\">profit ma<span class=\"_ _1\"></span>rgins, fina<span class=\"_ _1\"></span>ncial lev<span class=\"_ _1\"></span>erage ratio<span class=\"_ _1\"></span>s, debt </td><td class=\"t m0 x2ca h25 y1e5e ff1 fs8 fc0 sc0 ls28 ws0\" colspan=\"2\">card facilit<span class=\"_ _1\"></span>ies;<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2cb h25 y1e5e ff1 fs8 fc0 sc0 ls2a ws10d\" colspan=\"2\">ratios;<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5f ff1 fs8 fc0 sc0 ls4 ws9a\">service co<span class=\"_ _1\"></span>vera<span class=\"ls29 ws98\">ge, co<span class=\"_ _1\"></span>mplianc<span class=\"_ _1\"></span>e with c<span class=\"_ _1\"></span>ontrac<span class=\"_ _1\"></span>tual</span><span class=\"ls29 ws98\"> </span></td><td class=\"c n x2cd y1e61 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2ce y1e61 w1e9 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls28 ws0\">affordabilit<span class=\"_ _1\"></span>y metrics;</div></td><td class=\"t m0 x2cf hb3 y1e5f ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"ff9\"> </span></td><td class=\"c x2cc y1e5d wc8 hcd\"><div class=\"t m0 x90 h25 ye85 ff1 fs8 fc0 sc0 ls29 ws98\">utilizat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> the grante<span class=\"_ _1\"></span>d </div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e62 ff1 fs8 fc0 sc0 ls29 ws98\">conditi<span class=\"_ _1\"></span>ons, qua<span class=\"_ _1\"></span>lity of<span class=\"_ _1\"></span> manageme<span class=\"_ _1\"></span>nt and senio<span class=\"_ _1\"></span>r </td><td></td><td class=\"t m0 x2ca h25 y1e62 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2cb h25 y1e62 ff1 fs8 fc0 sc0 ls28 ws99\" colspan=\"2\">limit;<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e63 ff1 fs8 fc0 sc0 ls4 ws9a\">managemen<span class=\"_ _1\"></span>t changes;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"c n x2cd y1e64 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2ce y1e64 w1ea h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">external data from<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d0 y1e64 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d1 y1e64 w1eb h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">requests fo<span class=\"_ _1\"></span>r and<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c n x2d2 y1e65 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d3 y1e65 w1ec h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">data fro<span class=\"_ _1\"></span>m credit refe<span class=\"_ _1\"></span>rence agenci<span class=\"_ _1\"></span>es, press a<span class=\"_ _1\"></span>rticles;<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"t m0 x2ca h25 y1e66 ff1 fs8 fc0 sc0 ls4 ws9a\">credit ref<span class=\"_ _1\"></span>erence </td><td class=\"t m0 x2cb h25 y1e66 ff1 fs8 fc0 sc0 ls29 ws98\" colspan=\"2\">granti<span class=\"_ _1\"></span>ng of fo<span class=\"_ _1\"></span>rbearance; </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e67 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td></td><td class=\"t m0 x2ca h25 y1e67 ff1 fs8 fc0 sc0 ls4 ws9a\">agencies inc<span class=\"_ _1\"></span>luding </td><td></td><td class=\"t m0 x2cb h25 y1e67 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td></tr><tr><td class=\"c n x2d2 y1e68 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d3 y1e68 w1ed h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls29 ws98\">actual<span class=\"_ _1\"></span> and expec<span class=\"_ _1\"></span>ted sign<span class=\"_ _1\"></span>ificant c<span class=\"_ _1\"></span>hanges in t<span class=\"_ _1\"></span>he<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"t m0 x2ca h25 y1e69 ff1 fs8 fc0 sc0 ls29 ws9a\">industry<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>standar<span class=\"_ _1\"></span>d </td><td class=\"c n x2d0 y1e68 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d1 y1e68 w1ee h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">existing a<span class=\"_ _1\"></span>nd forecast<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e6a ff1 fs8 fc0 sc0 ls28 ws0\">political,<span class=\"_ _1\"></span> regulatory and tec<span class=\"_ _1\"></span>hnologic<span class=\"_ _1\"></span>al environment </td><td></td><td class=\"t m0 x2ca h25 y1e6a ff1 fs8 fc0 sc0 ls4 ws9a\">credit sco<span class=\"_ _1\"></span>res.<span class=\"ls1 ws1\"> </span></td><td></td><td class=\"t m0 x2cb h25 y1e6a ff1 fs8 fc0 sc0 ls4 ws9a\">changes in b<span class=\"_ _1\"></span>usiness,<span class=\"_ _1\"></span> </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e6b ff1 fs8 fc0 sc0 ls2a ws99\">of the borrower o<span class=\"_ _1\"></span>r in its business a<span class=\"_ _1\"></span>ctivities.<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x2cb h25 y1e6b ff1 fs8 fc0 sc0 ls29 ws98\">financia<span class=\"_ _1\"></span>l and ec<span class=\"_ _1\"></span>onomic<span class=\"_ _1\"></span> </td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x2d4 h25 y1e6c ff1 fs8 fc0 sc0 ls29 ws9a\">conditi<span class=\"_ _1\"></span>ons.<span class=\"ls1 ws1\"> </span></td></tr></table>The as<span class=\"_ _1\"></span>sess<span class=\"_ _1\"></span>ment of SIC<span class=\"_ _1\"></span>R incorp<span class=\"_ _1\"></span>orat<span class=\"_ _1\"></span>es forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls6 ws8c\">looking in<span class=\"_ _1\"></span>formation (refer to<span class=\"_ _1\"></span> note 2.3.4.4 for furt<span class=\"_ _1\"></span>her </span></span>inform<span class=\"_ _0\"></span>ation) and i<span class=\"_ _0\"></span>s perfo<span class=\"_ _0\"></span>rmed at the count<span class=\"_ _0\"></span>erparty l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> on a perio<span class=\"_ _0\"></span>dic basis. T<span class=\"_ _0\"></span>he cri<span class=\"_ _0\"></span>teria used t<span class=\"_ _0\"></span>o identif<span class=\"_ _0\"></span>y SICR ar<span class=\"_ _1\"></span>e mon<span class=\"_ _1\"></span>itored<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> revie<span class=\"_ _1\"></span>wed per<span class=\"_ _1\"></span>iod<span class=\"_ _1\"></span>ically<span class=\"_ _1\"></span> for a<span class=\"_ _1\"></span><span class=\"ls8 ws3c\">ppropriat<span class=\"_ _0\"></span>eness by the<span class=\"_ _0\"></span> independe<span class=\"_ _0\"></span>nt Risk Manag<span class=\"_ _0\"></span>ement </span>function.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>As a backsto<span class=\"_ _0\"></span>p, and as r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>d by IFRS<span class=\"_ _0\"></span> 9, the G<span class=\"_ _0\"></span>roup presu<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>vely consi<span class=\"_ _0\"></span>ders that a S<span class=\"_ _0\"></span>IC<span class=\"_ _0\"></span>R occur<span class=\"_ _0\"></span>s when an asset i<span class=\"_ _0\"></span>s past d<span class=\"_ _0\"></span>ue<span class=\"ls1 ws1\"> <span class=\"ls7 ws26\">b<span class=\"_ _0\"></span>y 30 days or m<span class=\"_ _0\"></span>ore<span class=\"ls8 ws15\">. T<span class=\"_ _0\"></span>he Group det<span class=\"_ _0\"></span>ermine<span class=\"_ _0\"></span>s days past due by c<span class=\"_ _0\"></span>ounting the<span class=\"_ _11\"></span> number of days<span class=\"_ _0\"></span> </span></span></span>sinc<span class=\"_ _1\"></span>e the earl<span class=\"_ _1\"></span>iest ela<span class=\"_ _1\"></span>psed d<span class=\"_ _1\"></span>ue da<span class=\"_ _1\"></span>te in res<span class=\"_ _1\"></span>pect of wh<span class=\"_ _1\"></span>ich fu<span class=\"_ _1\"></span>ll pa<span class=\"_ _1\"></span>yment h<span class=\"_ _1\"></span>as n<span class=\"_ _1\"></span>ot been<span class=\"_ _1\"></span> receive<span class=\"_ _1\"></span>d.<span class=\"ls1 ws1\"> </span>In the case<span class=\"_ _0\"></span> of othe<span class=\"_ _0\"></span>r fina<span class=\"_ _0\"></span>ncial assets (i<span class=\"_ _0\"></span>ncluding<span class=\"_ _0\"></span> loans and<span class=\"_ _0\"></span> advance<span class=\"_ _0\"></span>s to banks and i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents in de<span class=\"_ _0\"></span>bt securities), t<span class=\"_ _1\"></span>he Group applies the low cred<span class=\"_ _1\"></span>it risk simplificati<span class=\"_ _1\"></span>on to all its expos<span class=\"_ _1\"></span>ures considered \u2018inv<span class=\"_ _1\"></span>estment<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>grade\u2019,<span class=\"_ _0\"></span> thus the<span class=\"_ _0\"></span>y are<span class=\"_ _0\"></span> not s<span class=\"_ _0\"></span>ubject t<span class=\"_ _0\"></span>o the SI<span class=\"_ _0\"></span>CR<span class=\"ls1 ws1\">  <span class=\"ls5 ws2f\">assess<span class=\"_ _1\"></span>ment. Mo<span class=\"_ _1\"></span>ving fr<span class=\"_ _1\"></span>om \u2018inv<span class=\"_ _1\"></span>estment</span>-<span class=\"ls7 ws7d\">grade\u2019 to \u2018non</span>-<span class=\"_ _bc\"> </span></span>investme<span class=\"_ _0\"></span>nt grade<span class=\"_ _0\"></span>\u2019 does not a<span class=\"_ _0\"></span>utoma<span class=\"_ _0\"></span>ticall<span class=\"_ _0\"></span>y mean tha<span class=\"_ _0\"></span>t there<span class=\"_ _0\"></span> has been a SIC<span class=\"_ _0\"></span>R.<span class=\"ls1 ws1\"> </span>2.3.4.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Definit<span class=\"_ _1\"></span>ion of defau<span class=\"_ _1\"></span>lt and credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">impaired<span class=\"_ _1\"></span> asset<span class=\"_ _1\"></span>s</span> </span></span>The Grou<span class=\"_ _1\"></span>p\u2019s a<span class=\"_ _1\"></span>ssess<span class=\"_ _1\"></span>ment to determ<span class=\"_ _1\"></span>ine th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> of increa<span class=\"_ _1\"></span>se in cr<span class=\"_ _1\"></span>edit risk<span class=\"_ _1\"></span> of a finan<span class=\"_ _1\"></span>cial instr<span class=\"_ _1\"></span>ument s<span class=\"_ _1\"></span>ince initial recogn<span class=\"_ _1\"></span>ition is perfor<span class=\"_ _1\"></span>med by<span class=\"_ _1\"></span> considering th<span class=\"_ _1\"></span>e change in the ris<span class=\"_ _1\"></span>k of default occu<span class=\"_ _1\"></span>rring over th<span class=\"_ _1\"></span>e remaining life of th<span class=\"_ _1\"></span>e fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> instr<span class=\"_ _1\"></span>umen<span class=\"_ _1\"></span>t. As a<span class=\"_ _1\"></span> <span class=\"ls8 wsa\">result, t<span class=\"_ _11\"></span>he definition of de<span class=\"_ _0\"></span>fault i<span class=\"_ _0\"></span>s importa<span class=\"_ _0\"></span>nt.<span class=\"ls1 ws1\"> </span></span>The Group appl<span class=\"_ _0\"></span>ies the<span class=\"_ _0\"></span> defi<span class=\"_ _0\"></span>nition of def<span class=\"_ _0\"></span>ault in a manne<span class=\"_ _0\"></span>r consistent w<span class=\"_ _0\"></span>ith inte<span class=\"_ _0\"></span>rnal cr<span class=\"_ _0\"></span>edit risk m<span class=\"_ _0\"></span>anageme<span class=\"_ _0\"></span>nt practic<span class=\"_ _0\"></span>es for t<span class=\"_ _0\"></span>he rele<span class=\"_ _0\"></span>vant instrume<span class=\"_ _0\"></span>nts and the de<span class=\"_ _0\"></span>fini<span class=\"_ _0\"></span>tion conside<span class=\"_ _0\"></span>rs qualita<span class=\"_ _0\"></span>tive and qu<span class=\"_ _0\"></span>antitati<span class=\"_ _0\"></span>ve fac<span class=\"_ _0\"></span>tors where ap<span class=\"_ _1\"></span>prop<span class=\"_ _1\"></span>riate.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup dete<span class=\"_ _0\"></span>rmines that<span class=\"_ _0\"></span> a financ<span class=\"_ _0\"></span>ial instrum<span class=\"_ _0\"></span>ent is c<span class=\"_ _0\"></span>redit<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws3c\">impaired (<span class=\"_ _0\"></span>in def<span class=\"_ _0\"></span>ault and in \u2018S<span class=\"_ _0\"></span>tage 3<span class=\"_ _0\"></span>\u2019 for IF<span class=\"_ _0\"></span>RS 9 </span></span>purposes) by<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>ring re<span class=\"_ _0\"></span>levant objec<span class=\"_ _0\"></span>tive e<span class=\"_ _0\"></span>vidence<span class=\"_ _0\"></span>, primari<span class=\"_ _0\"></span>ly whe<span class=\"_ _0\"></span>ther:<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws3c\">contrac<span class=\"_ _0\"></span>tual payme<span class=\"_ _0\"></span>nts of e<span class=\"_ _0\"></span>ither pr<span class=\"_ _0\"></span>incipal<span class=\"_ _0\"></span> or inter<span class=\"_ _0\"></span>est are<span class=\"_ _0\"></span> past due fo<span class=\"_ _0\"></span>r <span class=\"ls6 wsd\">90 days or <span class=\"ls5 ws22\">mo<span class=\"_ _1\"></span>re for an<span class=\"_ _1\"></span>y mater<span class=\"_ _1\"></span>ial </span></span></span>credit obligat<span class=\"_ _1\"></span>ions to t<span class=\"_ _1\"></span>he Group;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws56\">there<span class=\"_ _0\"></span> are othe<span class=\"_ _0\"></span>r indicati<span class=\"_ _0\"></span>ons that the bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>r is unlike<span class=\"_ _0\"></span>ly to pay such as tha<span class=\"_ _0\"></span>t a conce<span class=\"_ _0\"></span>ssion has be<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span> </span>granted to the borrower for econom<span class=\"_ _0\"></span>ic or legal reasons of an enduring nature relati<span class=\"_ _0\"></span>ng to the borrower\u2019s financial con<span class=\"_ _1\"></span>dition, wh<span class=\"_ _1\"></span>ich indicates the borro<span class=\"_ _1\"></span>wer is in significant finan<span class=\"_ _1\"></span>cial difficulty (un<span class=\"_ _1\"></span>likeliness to pay criteria); and<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the loan i<span class=\"_ _0\"></span>s otherw<span class=\"_ _0\"></span>ise co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d to be in de<span class=\"_ _0\"></span>fault i<span class=\"_ _0\"></span>n line w<span class=\"_ _0\"></span>ith an instrum<span class=\"_ _0\"></span>ent\u2019s te<span class=\"_ _0\"></span>rms and<span class=\"_ _0\"></span> conditi<span class=\"_ _0\"></span>ons.<span class=\"ls1 ws1\"> </span></span>Therefo<span class=\"_ _1\"></span>re, th<span class=\"_ _1\"></span>e defin<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span>s of c<span class=\"_ _1\"></span>redit<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">impaired and defa<span class=\"_ _0\"></span>ult are ali<span class=\"_ _0\"></span>gned so that \u2018S<span class=\"_ _0\"></span>tage<span class=\"_ _0\"></span> 3\u2019 represe<span class=\"_ _0\"></span>nts all lo<span class=\"_ _0\"></span>ans </span></span>which ar<span class=\"_ _0\"></span>e conside<span class=\"_ _0\"></span>red de<span class=\"_ _0\"></span>faulted or<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">impa<span class=\"_ _1\"></span>ired.<span class=\"_ _1\"></span></span> </span>In assessi<span class=\"_ _0\"></span>ng whet<span class=\"_ _0\"></span>her a borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span> is in def<span class=\"_ _0\"></span>ault, the<span class=\"_ _0\"></span> Group will<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>r indicat<span class=\"_ _0\"></span>ors that are<span class=\"_ _11\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws8\">qualitati<span class=\"_ _1\"></span>ve <span class=\"_ _10\"> </span></span>\u2013 <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">such as non</span>-<span class=\"ls8 ws5c\">adhere<span class=\"_ _0\"></span>nce to term<span class=\"_ _0\"></span>s and conditions of<span class=\"_ _0\"></span> sanction a<span class=\"_ _0\"></span>nd/or othe<span class=\"_ _0\"></span>r breac<span class=\"_ _0\"></span>hes of </span>covenants, ove<span class=\"_ _0\"></span>rdue s<span class=\"_ _0\"></span>tatus an<span class=\"_ _0\"></span>d non<span class=\"ls1 ws1\">-<span class=\"ls7\">payme<span class=\"_ _0\"></span>nt of another obl<span class=\"_ _0\"></span>igation of the sam<span class=\"_ _0\"></span>e obligor to the G<span class=\"_ _0\"></span>roup; <span class=\"ls1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls9 wsa\">quantitative </span>\u2013 <span class=\"ls8 wsa\">such as chang<span class=\"_ _0\"></span>es in proba<span class=\"_ _0\"></span>bili<span class=\"_ _0\"></span>ties of<span class=\"_ _0\"></span> defaul<span class=\"_ _0\"></span>t; and<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">based on data<span class=\"_ _0\"></span> deve<span class=\"_ _0\"></span>loped inte<span class=\"_ _0\"></span>rnally a<span class=\"_ _0\"></span>nd obtai<span class=\"_ _0\"></span>ned from<span class=\"_ _0\"></span> externa<span class=\"_ _0\"></span>l source<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></span>The de<span class=\"_ _0\"></span>fault de<span class=\"_ _0\"></span>finit<span class=\"_ _0\"></span>ion has bee<span class=\"_ _0\"></span>n applied c<span class=\"_ _0\"></span>onsiste<span class=\"_ _0\"></span>ntly to m<span class=\"_ _0\"></span>odel<span class=\"_ _0\"></span> the Pro<span class=\"_ _0\"></span>bability of<span class=\"_ _0\"></span> Def<span class=\"_ _0\"></span>ault (\u2018P<span class=\"_ _0\"></span>D\u2019), Exposur<span class=\"_ _0\"></span>e at<span class=\"_ _0\"></span> Default (\u2018EAD\u2019) a<span class=\"_ _1\"></span>nd Loss<span class=\"_ _1\"></span> Given Default (\u2018LG<span class=\"_ _1\"></span>D\u2019) through<span class=\"_ _1\"></span>out the Bank\u2019s<span class=\"_ _1\"></span> expected loss<span class=\"_ _1\"></span> calculations<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>As referred to<span class=\"_ _1\"></span> previousl<span class=\"_ _1\"></span>y, existing geopolit<span class=\"_ _1\"></span>ical conditio<span class=\"_ _1\"></span>ns as well as<span class=\"_ _1\"></span> the current <span class=\"ls5 ws7\">mar<span class=\"_ _1\"></span>ket<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws11\">environments and </span></span></span>the co<span class=\"_ _1\"></span>nsequ<span class=\"_ _1\"></span>entia<span class=\"_ _1\"></span>l econo<span class=\"_ _1\"></span>mic impact<span class=\"_ _1\"></span>s hav<span class=\"_ _1\"></span>e cont<span class=\"_ _1\"></span>inued to give r<span class=\"_ _1\"></span>ise to an<span class=\"_ _1\"></span> elevated<span class=\"_ _1\"></span> level of un<span class=\"_ _1\"></span>certain<span class=\"_ _1\"></span>ty, particul<span class=\"_ _0\"></span>arly wi<span class=\"_ _0\"></span>th respec<span class=\"_ _0\"></span>t to the ide<span class=\"_ _0\"></span>ntificati<span class=\"_ _0\"></span>on of custom<span class=\"_ _0\"></span>ers that woul<span class=\"_ _0\"></span>d have showe<span class=\"_ _0\"></span>d signs of<span class=\"_ _0\"></span> unlikene<span class=\"_ _0\"></span>ss<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"_ _bc\"> </span></span>pay (\u2018UT<span class=\"_ _0\"></span>P\u2019). The<span class=\"_ _0\"></span> Bank perform<span class=\"_ _0\"></span>s <span class=\"ls5 ws12f\">ass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>ts to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine wh<span class=\"_ _1\"></span>ether<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>rrent<span class=\"_ _1\"></span> macr<span class=\"_ _1\"></span>o<span class=\"ls1 ws1\">-</span><span class=\"ws7\">econ<span class=\"_ _1\"></span>omic<span class=\"_ _1\"></span> </span></span>circumstan<span class=\"_ _1\"></span>ces may trans<span class=\"_ _1\"></span>form into lo<span class=\"_ _1\"></span>ng<span class=\"ls1 ws1\">-</span>term borro<span class=\"_ _1\"></span>wer financial d<span class=\"_ _1\"></span>ifficulties, t<span class=\"_ _1\"></span>hereby poten<span class=\"_ _1\"></span>tially requirin<span class=\"_ _1\"></span>g a<span class=\"ls1 ws1\"> </span>downgrade o<span class=\"_ _1\"></span>f individu<span class=\"_ _1\"></span>al expos<span class=\"_ _1\"></span>ures or expos<span class=\"_ _1\"></span>ures sha<span class=\"_ _1\"></span>ring similar credit r<span class=\"_ _1\"></span>isk chara<span class=\"_ _1\"></span>cteristics<span class=\"_ _1\"></span> to Stage 3 to<span class=\"_ _1\"></span> reflect<span class=\"_ _1\"></span> the lev<span class=\"_ _1\"></span>el of ch<span class=\"_ _1\"></span>ange in<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k.  <span class=\"ls1 ws1\"> </span>Except f<span class=\"_ _0\"></span>or for<span class=\"_ _0\"></span>borne e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span>s, an in<span class=\"_ _0\"></span>strum<span class=\"_ _0\"></span>ent is<span class=\"_ _0\"></span> consider<span class=\"_ _0\"></span>ed to<span class=\"_ _0\"></span> no long<span class=\"_ _0\"></span>er be<span class=\"_ _0\"></span> in de<span class=\"_ _0\"></span>fault (<span class=\"_ _0\"></span>i.e. t<span class=\"_ _0\"></span>o have be<span class=\"_ _0\"></span>en cured<span class=\"_ _1\"></span>) when it n<span class=\"_ _1\"></span>o lon<span class=\"_ _1\"></span>ger meets a<span class=\"_ _1\"></span>ny of the defa<span class=\"_ _1\"></span>ult cr<span class=\"_ _1\"></span>iteria fo<span class=\"_ _1\"></span>r a consec<span class=\"_ _1\"></span>utive p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> of three mon<span class=\"_ _1\"></span>ths.<span class=\"_ _1\"></span> This period has<span class=\"_ _0\"></span> bee<span class=\"_ _0\"></span>n deter<span class=\"_ _0\"></span>mined ba<span class=\"_ _0\"></span>sed on an<span class=\"_ _0\"></span> analy<span class=\"_ _0\"></span>s<span class=\"ls6 ws1c\">is which consid<span class=\"_ _1\"></span>ers the likelihood o<span class=\"_ _1\"></span>f a financial instru<span class=\"_ _1\"></span>ment </span>returni<span class=\"_ _0\"></span>ng to def<span class=\"_ _0\"></span>ault status af<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>r cure<span class=\"_ _0\"></span> using diff<span class=\"_ _0\"></span>erent possibl<span class=\"_ _11\"></span>e cure definit<span class=\"_ _0\"></span>ions.<span class=\"ls1 ws1\"> </span>In the case<span class=\"_ _0\"></span> of f<span class=\"_ _0\"></span>orborne e<span class=\"_ _0\"></span>xposures, the c<span class=\"_ _0\"></span>ure pe<span class=\"_ _0\"></span>riod com<span class=\"_ _0\"></span>prises 12 c<span class=\"_ _0\"></span>onsecuti<span class=\"_ _0\"></span>ve monthl<span class=\"_ _0\"></span>y repayment<span class=\"_ _0\"></span>s made in a timely<span class=\"_ _1\"></span> man<span class=\"_ _1\"></span>ner with<span class=\"_ _1\"></span> a min<span class=\"_ _1\"></span>imal g<span class=\"_ _1\"></span>race p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>f on<span class=\"_ _1\"></span>e day (i<span class=\"_ _1\"></span>.e. one o<span class=\"_ _1\"></span>r mor<span class=\"_ _1\"></span>e repa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span> may<span class=\"_ _1\"></span> be made n<span class=\"_ _1\"></span>o more than one day late)<span class=\"_ _0\"></span>.<span class=\"ls1\"> </span>The G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs other<span class=\"_ _0\"></span> financial a<span class=\"_ _0\"></span>ssets to be i<span class=\"_ _0\"></span>n defaul<span class=\"_ _0\"></span>t when a pa<span class=\"_ _0\"></span>yment due<span class=\"_ _0\"></span> including a c<span class=\"_ _0\"></span>oupon paymen<span class=\"_ _1\"></span>t is n<span class=\"_ _1\"></span>ot effected<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>2.3.4.3  Measurin<span class=\"_ _1\"></span>g ECL <span class=\"ls1 ws1\">\u2013 <span class=\"ls8 wsa\">Explanation of input<span class=\"_ _0\"></span>s, assum<span class=\"_ _0\"></span>ption<span class=\"_ _0\"></span>s and estima<span class=\"_ _0\"></span>tion tec<span class=\"_ _0\"></span>hniques<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The Exp<span class=\"_ _1\"></span>ected <span class=\"_ _1\"></span>Credit L<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span> (\u2018ECL\u2019<span class=\"_ _1\"></span>) is meas<span class=\"_ _1\"></span>ured o<span class=\"_ _1\"></span>n eith<span class=\"_ _1\"></span>er a 12<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">month (12M) or on a l<span class=\"_ _0\"></span>ife<span class=\"_ _0\"></span>time basis dependi<span class=\"_ _0\"></span>ng </span></span>on whether a s<span class=\"_ _1\"></span>ignificant incr<span class=\"_ _1\"></span>ease in credit ris<span class=\"_ _1\"></span>k has occurred since in<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> or whether an ass<span class=\"_ _1\"></span>et is consider<span class=\"_ _0\"></span>ed to be c<span class=\"_ _0\"></span>redit<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">impai<span class=\"_ _1\"></span>red. <span class=\"_ _13\"></span><span class=\"ls1 ws1\">E<span class=\"ls8 ws1b\">xpected c<span class=\"_ _0\"></span>redit l<span class=\"_ _0\"></span>osses ar<span class=\"_ _0\"></span>e the di<span class=\"_ _0\"></span>scounted pr<span class=\"_ _0\"></span>oduct o<span class=\"_ _0\"></span>f the<span class=\"_ _0\"></span> Probabi<span class=\"_ _0\"></span>lity of </span></span></span></span>Default (\u2018PD\u2019), E<span class=\"_ _1\"></span>xposure at<span class=\"_ _1\"></span> Default (\u2018EAD\u2019) an<span class=\"_ _1\"></span>d Loss Given Default (\u2018LGD\u2019).<span class=\"_ _1\"></span> When calculati<span class=\"_ _1\"></span>ng the Ban<span class=\"_ _1\"></span>k\u2019s ECL, speci<span class=\"_ _1\"></span>al cons<span class=\"_ _1\"></span>idera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> were m<span class=\"_ _1\"></span>ade to<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ess th<span class=\"_ _1\"></span>e impact<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t eco<span class=\"_ _1\"></span>nomi<span class=\"_ _1\"></span><span class=\"ls6 ws1d\">c con<span class=\"ls8 ws15\">ditions. Furt<span class=\"_ _0\"></span>her det<span class=\"_ _0\"></span>ails </span></span>are set out in<span class=\"_ _1\"></span> note 2.3.4.4.<span class=\"ls1 ws1\"> </span>The EC<span class=\"_ _0\"></span>L is dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d by pro<span class=\"_ _0\"></span>jec<span class=\"_ _0\"></span>ting the<span class=\"_ _0\"></span> PD, EAD a<span class=\"_ _11\"></span>nd LGD for e<span class=\"_ _0\"></span>ach futur<span class=\"_ _0\"></span>e mont<span class=\"_ _0\"></span>h and fo<span class=\"_ _0\"></span>r e<span class=\"_ _0\"></span>ach individ<span class=\"_ _0\"></span>ual exposure<span class=\"_ _0\"></span>. These<span class=\"_ _0\"></span> three c<span class=\"_ _0\"></span>omponents are<span class=\"_ _0\"></span> multipl<span class=\"_ _0\"></span>ied tog<span class=\"_ _0\"></span>ether and adjuste<span class=\"_ _0\"></span>d for t<span class=\"_ _0\"></span>he like<span class=\"_ _0\"></span>lihood of survi<span class=\"_ _0\"></span>val (i.e<span class=\"_ _0\"></span>. the expo<span class=\"_ _0\"></span>sure has<span class=\"_ _0\"></span> not pre<span class=\"_ _0\"></span>paid o<span class=\"_ _0\"></span>r defa<span class=\"_ _0\"></span>ulted in an<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"ls5 ws3b\">ear<span class=\"_ _1\"></span>lier mon<span class=\"_ _1\"></span>th). Thi<span class=\"_ _1\"></span>s effectiv<span class=\"_ _1\"></span>ely cal<span class=\"_ _1\"></span>culates<span class=\"_ _1\"></span> an E<span class=\"_ _1\"></span>CL for each </span></span>future m<span class=\"_ _0\"></span>onth, which i<span class=\"_ _0\"></span>s then discounted ba<span class=\"_ _0\"></span>ck to the<span class=\"_ _0\"></span> reporti<span class=\"_ _0\"></span>ng date and summe<span class=\"_ _0\"></span>d. The discount rate<span class=\"_ _0\"></span> used in<span class=\"_ _0\"></span> the ECL calcu<span class=\"_ _1\"></span>lation is th<span class=\"_ _1\"></span>e original effectiv<span class=\"_ _1\"></span>e interest ra<span class=\"_ _1\"></span>te or an app<span class=\"_ _1\"></span>roximation th<span class=\"_ _1\"></span>ereof.<span class=\"_ _bc\"> </span>The 12<span class=\"ls1 ws1\">-<span class=\"_ _1\"></span><span class=\"ls6 wsd\">month ECL is calcu<span class=\"_ _1\"></span>lated by multiply<span class=\"_ _1\"></span>ing the 12</span>-<span class=\"ls6 wsd\">month PD,<span class=\"_ _1\"></span> LGD, and EAD. Lifetime ECL is<span class=\"_ _1\"></span> calculated </span></span>on a s<span class=\"_ _1\"></span>imilar<span class=\"_ _1\"></span> basis<span class=\"_ _1\"></span> for th<span class=\"_ _1\"></span>e residua<span class=\"_ _1\"></span>l life of th<span class=\"_ _1\"></span>e expos<span class=\"_ _1\"></span>ure.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The PD, E<span class=\"_ _1\"></span>AD and<span class=\"_ _1\"></span> LGD pa<span class=\"_ _1\"></span>rameters<span class=\"_ _1\"></span> are deri<span class=\"_ _1\"></span>ved fro<span class=\"_ _1\"></span>m int<span class=\"_ _1\"></span>erna<span class=\"_ _1\"></span>lly dev<span class=\"_ _1\"></span>eloped<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>istica<span class=\"_ _1\"></span>l models a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her historical data, adjusted to re<span class=\"_ _0\"></span>flec<span class=\"_ _0\"></span>t forward<span class=\"ls1\">-</span>looking inf<span class=\"_ _0\"></span>ormation as described below. <span class=\"ls1\"> </span>The PD represen<span class=\"_ _1\"></span>ts the likelih<span class=\"_ _1\"></span>ood of a b<span class=\"_ _1\"></span>orrower defaultin<span class=\"_ _1\"></span>g on its<span class=\"_ _1\"></span> financial ob<span class=\"_ _1\"></span>ligation (as<span class=\"_ _1\"></span> per \u2018definition of default<span class=\"_ _0\"></span> and credi<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">impaired<span class=\"_ _1\"></span>\u2019 ab<span class=\"_ _1\"></span>ove),<span class=\"_ _1\"></span> either o<span class=\"_ _1\"></span>ver the n<span class=\"_ _1\"></span>ext 12 mont<span class=\"_ _1\"></span>hs (12<span class=\"_ _1\"></span>M PD), or<span class=\"_ _1\"></span> over th<span class=\"_ _1\"></span>e remain<span class=\"_ _1\"></span>ing </span></span>lifeti<span class=\"_ _1\"></span>me (Lifet<span class=\"_ _1\"></span>ime PD<span class=\"_ _1\"></span>) of th<span class=\"_ _1\"></span>e obliga<span class=\"_ _1\"></span>tion.<span class=\"_ _1\"></span> Accor<span class=\"ls6 ws5a\">d<span class=\"_ _1\"></span>ingly, the 12<span class=\"ls1 ws1\">-</span></span>mon<span class=\"_ _1\"></span>th an<span class=\"_ _1\"></span>d lifeti<span class=\"_ _1\"></span>me PDs<span class=\"_ _1\"></span> represen<span class=\"_ _1\"></span>t the Probabili<span class=\"_ _0\"></span>ty of De<span class=\"_ _0\"></span>fault o<span class=\"_ _0\"></span>ccurring ove<span class=\"_ _0\"></span>r the ne<span class=\"_ _0\"></span>xt 12 m<span class=\"_ _0\"></span>onths and the r<span class=\"_ _0\"></span>emai<span class=\"_ _0\"></span>ning ma<span class=\"_ _0\"></span>turity of<span class=\"_ _0\"></span> the instrum<span class=\"_ _0\"></span>ent, respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span>PD estimate<span class=\"_ _0\"></span>s are estimate<span class=\"_ _0\"></span>s at a certain date, w<span class=\"_ _0\"></span>hich, for the l<span class=\"_ _0\"></span>oans and advances to cu<span class=\"_ _0\"></span>stomers, are c<span class=\"_ _0\"></span>alculated based on statistical rating<span class=\"_ _0\"></span> models and assessed u<span class=\"_ _0\"></span>sing rating tool<span class=\"_ _0\"></span>s tailored to the vario<span class=\"_ _0\"></span>us categorie<span class=\"_ _0\"></span>s of counterpa<span class=\"_ _0\"></span>rties and e<span class=\"_ _0\"></span>xposures.<span class=\"_ _0\"></span> These<span class=\"_ _0\"></span> statis<span class=\"ls6 wsd\">tical models a<span class=\"_ _1\"></span>re based<span class=\"_ _1\"></span> on internal<span class=\"_ _1\"></span>ly<span class=\"ls1 ws1\">-</span>compiled <span class=\"_ _1\"></span>data comp<span class=\"_ _1\"></span>rising </span>both quanti<span class=\"_ _0\"></span>tative an<span class=\"_ _0\"></span>d qualit<span class=\"_ _0\"></span>ative<span class=\"_ _0\"></span> facto<span class=\"_ _0\"></span>rs. The<span class=\"_ _0\"></span> PD calc<span class=\"_ _0\"></span>ulation i<span class=\"_ _0\"></span>s based on <span class=\"_ _0\"></span>a tran<span class=\"_ _0\"></span>sition m<span class=\"_ _0\"></span>atri<span class=\"_ _0\"></span>x approac<span class=\"_ _0\"></span>h. The main assumpt<span class=\"_ _0\"></span>ions un<span class=\"_ _0\"></span>derlyi<span class=\"_ _0\"></span>ng such <span class=\"_ _0\"></span>approach<span class=\"_ _0\"></span> <span class=\"lsa ws24\">are<span class=\"ls1 ws1\"> <span class=\"_ _1d\"> </span></span></span>that th<span class=\"_ _0\"></span>e PD de<span class=\"_ _0\"></span>pends on<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>particul<span class=\"_ _0\"></span>ar pe<span class=\"ls5 ws32\">riod after </span>origination (\u2018months on book\u2019) and the curr<span class=\"_ _0\"></span>ent characteristics of the ex<span class=\"_ _0\"></span>posure or borrower. Default is consider<span class=\"_ _0\"></span>ed to be an<span class=\"_ _0\"></span> abso<span class=\"_ _0\"></span>rbing<span class=\"_ _0\"></span> state, w<span class=\"_ _0\"></span>here<span class=\"_ _0\"></span>by if an e<span class=\"_ _0\"></span>xposu<span class=\"_ _0\"></span>re is de<span class=\"_ _0\"></span>faulte<span class=\"_ _0\"></span>d, it re<span class=\"_ _0\"></span>mains in<span class=\"_ _0\"></span> thi<span class=\"_ _0\"></span>s state<span class=\"_ _0\"></span> during futur<span class=\"_ _1\"></span>e years<span class=\"_ _1\"></span>. Market<span class=\"_ _1\"></span> data<span class=\"_ _1\"></span> is used<span class=\"_ _1\"></span> fo<span class=\"ls8 wsa\">r the PD of<span class=\"_ _0\"></span> loans and a<span class=\"_ _0\"></span>dvanc<span class=\"_ _0\"></span>es to bank<span class=\"_ _0\"></span>s and inve<span class=\"_ _0\"></span>stment se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>es. If<span class=\"_ _0\"></span> a </span>counterpa<span class=\"_ _1\"></span>rty or expos<span class=\"_ _1\"></span>ure migrates between int<span class=\"_ _1\"></span>ernal rating <span class=\"_ _1\"></span>grades or ext<span class=\"_ _1\"></span>ernal credit ratin<span class=\"_ _1\"></span>gs, th<span class=\"_ _1\"></span>en this will lead to a change in the<span class=\"_ _0\"></span> associated PD.<span class=\"_ _0\"></span><span class=\"ls1\"> </span>The 12 month<span class=\"_ _1\"></span> and lifetime PDs<span class=\"_ _1\"></span> are developed b<span class=\"_ _1\"></span>y utilisin<span class=\"_ _1\"></span>g statistical metho<span class=\"_ _1\"></span>dologies to<span class=\"_ _1\"></span> analyse hist<span class=\"_ _1\"></span>orical observed data to e<span class=\"_ _0\"></span>stimate the probabili<span class=\"_ _0\"></span>ty of a borrow<span class=\"_ _0\"></span>er\u2019s transition from<span class=\"_ _0\"></span> one internal r<span class=\"_ _0\"></span>ating class to<span class=\"_ _0\"></span> another (o<span class=\"_ _1\"></span>r of staying in the same class<span class=\"_ _1\"></span>) within<span class=\"ls1 ws1\"> <span class=\"ls8 ws2d\">a given horizo<span class=\"_ _0\"></span>n. The c<span class=\"_ _0\"></span>onditional<span class=\"_ _0\"></span> PD is<span class=\"_ _0\"></span> adjuste<span class=\"_ _0\"></span>d to con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span> </span></span>forward<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls7\">looking information through macro</span>-<span class=\"_ _0\"></span><span class=\"ls6 ws7\">economic mod<span class=\"_ _1\"></span>elling.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span>EAD repr<span class=\"_ _0\"></span>esents the<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>cted exposur<span class=\"_ _0\"></span>e in the<span class=\"_ _0\"></span> event of<span class=\"_ _0\"></span> a d<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>ault (inc<span class=\"_ _0\"></span>luding any e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted drawdow<span class=\"_ _0\"></span>ns of committ<span class=\"_ _1\"></span>ed fac<span class=\"_ _1\"></span>iliti<span class=\"_ _1\"></span>es). The Gr<span class=\"_ _1\"></span>oup<span class=\"_ _1\"></span> deriv<span class=\"_ _1\"></span>es the EAD<span class=\"_ _1\"></span> from the cu<span class=\"_ _1\"></span>rrent<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ure to t<span class=\"_ _1\"></span>he count<span class=\"_ _1\"></span>erpart<span class=\"_ _1\"></span>y and potential<span class=\"_ _0\"></span> change<span class=\"_ _0\"></span>s to the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt amount al<span class=\"_ _0\"></span>lowe<span class=\"_ _0\"></span>d under th<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws49\">contract. The E<span class=\"_ _1\"></span>AD of a financial a<span class=\"_ _1\"></span>sset is the </span></span>gross carrying amount at <span class=\"_ _0\"></span>default.<span class=\"ls1\"> </span>EAD is<span class=\"_ _1\"></span> bas<span class=\"_ _1\"></span>ed on t<span class=\"_ _1\"></span>he amou<span class=\"_ _1\"></span>nts t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p exp<span class=\"_ _1\"></span>ects to<span class=\"_ _1\"></span> be o<span class=\"_ _1\"></span>wed at<span class=\"_ _1\"></span> the ti<span class=\"_ _1\"></span>me of de<span class=\"_ _1\"></span>fault<span class=\"_ _1\"></span>, over<span class=\"_ _1\"></span> the n<span class=\"_ _1\"></span>ext 1<span class=\"_ _1\"></span>2 month<span class=\"_ _1\"></span>s (12M EA<span class=\"_ _1\"></span>D) or ov<span class=\"_ _1\"></span>er the re<span class=\"_ _1\"></span>main<span class=\"_ _1\"></span>ing li<span class=\"_ _1\"></span>fetime (L<span class=\"_ _1\"></span>ifeti<span class=\"_ _1\"></span>me EAD). <span class=\"_ _1\"></span>For exa<span class=\"_ _1\"></span>mple, fo<span class=\"_ _1\"></span>r a revo<span class=\"_ _1\"></span>lving<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment,<span class=\"_ _1\"></span> the Group inc<span class=\"_ _0\"></span>ludes the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt drawn bal<span class=\"_ _0\"></span>ance plus any<span class=\"ls1 ws1\"> </span>f<span class=\"_ _0\"></span>urthe<span class=\"_ _0\"></span>r amount<span class=\"_ _0\"></span> that is expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d to be draw<span class=\"_ _0\"></span>n up to the<span class=\"_ _11\"></span> current<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>tual lim<span class=\"_ _0\"></span>it by the t<span class=\"_ _0\"></span>ime of de<span class=\"_ _0\"></span>fault,<span class=\"_ _0\"></span> should it oc<span class=\"_ _0\"></span>cur. <span class=\"ls1 ws1\"> </span>The 1<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">mont<span class=\"_ _1\"></span>h and<span class=\"_ _1\"></span> lifeti<span class=\"_ _1\"></span>me EAD<span class=\"_ _1\"></span>s are d<span class=\"_ _1\"></span>etermin<span class=\"_ _1\"></span>ed ba<span class=\"_ _1\"></span>sed on<span class=\"_ _1\"></span> th<span class=\"_ _1\"></span>e expect<span class=\"_ _1\"></span>ed pay<span class=\"_ _1\"></span>ment p<span class=\"_ _1\"></span>rofil<span class=\"_ _1\"></span>e, whi<span class=\"_ _1\"></span>ch var<span class=\"_ _1\"></span>ies by<span class=\"_ _1\"></span> </span></span>product type<span class=\"_ _0\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">for am<span class=\"_ _0\"></span>ortising<span class=\"_ _0\"></span> products<span class=\"_ _0\"></span> and b<span class=\"_ _0\"></span>ullet<span class=\"_ _0\"></span> repaym<span class=\"_ _0\"></span>ent loans, thi<span class=\"_ _11\"></span>s is based on<span class=\"_ _0\"></span> the contr<span class=\"_ _0\"></span>actual r<span class=\"_ _0\"></span>epaym<span class=\"_ _0\"></span>ents ow<span class=\"_ _0\"></span>ed </span>by th<span class=\"_ _1\"></span>e borr<span class=\"_ _1\"></span>ower over<span class=\"_ _1\"></span> a 12<span class=\"ls1 ws1\">-</span>mon<span class=\"_ _1\"></span>th or<span class=\"_ _1\"></span> lifetime ba<span class=\"_ _1\"></span>sis;<span class=\"_ _1\"></span> and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws53\">for re<span class=\"_ _0\"></span>volving pr<span class=\"_ _0\"></span>oduct<span class=\"_ _0\"></span>s, the Ex<span class=\"_ _11\"></span>posure at Def<span class=\"_ _0\"></span>ault is <span class=\"_ _0\"></span>predic<span class=\"_ _0\"></span>ted by taki<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>urrent dr<span class=\"_ _0\"></span>awn<span class=\"_ _0\"></span> balanc<span class=\"_ _0\"></span>e and ad<span class=\"_ _0\"></span>ding<span class=\"_ _0\"></span> </span>a \u2018cred<span class=\"_ _1\"></span>it con<span class=\"_ _1\"></span>versi<span class=\"_ _1\"></span>on fact<span class=\"_ _1\"></span>or\u2019 w<span class=\"_ _1\"></span>hich<span class=\"_ _1\"></span> allows<span class=\"_ _1\"></span> for th<span class=\"_ _1\"></span>e exp<span class=\"_ _1\"></span>ected d<span class=\"_ _1\"></span>rawd<span class=\"_ _1\"></span>own of<span class=\"_ _1\"></span> the r<span class=\"_ _1\"></span>emaini<span class=\"_ _1\"></span>ng li<span class=\"_ _1\"></span>mit b<span class=\"_ _1\"></span>y the t<span class=\"_ _1\"></span>ime of def<span class=\"_ _0\"></span>ault. These<span class=\"_ _0\"></span> assumptions var<span class=\"_ _0\"></span>y by produc<span class=\"_ _0\"></span>t type and cur<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>nt lim<span class=\"_ _0\"></span>it utili<span class=\"_ _0\"></span>sation band, base<span class=\"_ _0\"></span>d on analysi<span class=\"_ _0\"></span>s of the Gr<span class=\"_ _1\"></span>oup's<span class=\"_ _1\"></span> recent d<span class=\"_ _1\"></span>efau<span class=\"_ _1\"></span>lt dat<span class=\"_ _1\"></span>a.<span class=\"ls1 ws1\"> </span>The Los<span class=\"_ _1\"></span>s Given<span class=\"_ _1\"></span> Default<span class=\"_ _1\"></span> (\u2018L<span class=\"_ _1\"></span>GD\u2019) rep<span class=\"_ _1\"></span>resen<span class=\"_ _1\"></span>ts th<span class=\"_ _1\"></span>e Bank\u2019<span class=\"_ _1\"></span>s expect<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the ex<span class=\"_ _1\"></span>tent of l<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>s on a<span class=\"_ _1\"></span> defaul<span class=\"_ _1\"></span>ted expos<span class=\"_ _1\"></span>ure. H<span class=\"_ _1\"></span>ence, th<span class=\"_ _1\"></span>e LGD repres<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> expected<span class=\"_ _1\"></span> credit l<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span>es on the E<span class=\"_ _1\"></span>AD giv<span class=\"_ _1\"></span>en the ev<span class=\"_ _1\"></span>ent of defaul<span class=\"_ _1\"></span>t, tak<span class=\"_ _1\"></span>ing into accou<span class=\"_ _1\"></span>nt, among o<span class=\"_ _1\"></span>ther attributes,<span class=\"_ _1\"></span> the mitigating effect <span class=\"_ _1\"></span>of collateral v<span class=\"_ _1\"></span>alues at th<span class=\"_ _1\"></span>e time it is expected t<span class=\"_ _1\"></span>o be reali<span class=\"_ _1\"></span>sed an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e time value o<span class=\"_ _1\"></span>f money.<span class=\"_ _1\"></span> The 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>month a<span class=\"_ _1\"></span>nd lifet<span class=\"_ _1\"></span>ime LGD a<span class=\"_ _1\"></span>re deter<span class=\"_ _1\"></span>min<span class=\"_ _1\"></span>ed bas<span class=\"_ _1\"></span>ed on th<span class=\"_ _1\"></span>e factor<span class=\"_ _1\"></span>s which<span class=\"_ _1\"></span> impact<span class=\"_ _1\"></span> the reco<span class=\"_ _1\"></span>veri<span class=\"_ _1\"></span>es made p<span class=\"_ _1\"></span>ost d<span class=\"_ _1\"></span>efault<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span>For secured p<span class=\"_ _1\"></span>roducts,<span class=\"_ _1\"></span> LGD is <span class=\"_ _1\"></span>primarily ba<span class=\"_ _1\"></span>sed on colla<span class=\"_ _1\"></span>teral <span class=\"_ _1\"></span>type and p<span class=\"_ _1\"></span>rojected collat<span class=\"_ _1\"></span>eral v<span class=\"_ _1\"></span>alues, his<span class=\"_ _1\"></span>torical discounts to market/<span class=\"_ _0\"></span>book values due to force<span class=\"_ _0\"></span>d sales, time to repossession and re<span class=\"_ _0\"></span>covery costs observe<span class=\"_ _0\"></span>d. The LGD for<span class=\"_ _1\"></span> expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> secur<span class=\"_ _1\"></span>ed by r<span class=\"_ _1\"></span>eal estat<span class=\"_ _1\"></span>e will be der<span class=\"_ _1\"></span>ived<span class=\"_ _1\"></span> from th<span class=\"_ _1\"></span>e adju<span class=\"_ _1\"></span>sted l<span class=\"_ _1\"></span>oan<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls7 wsc\">value ratio of the<span class=\"_ _0\"></span> </span></span>individual f<span class=\"_ _0\"></span>acili<span class=\"_ _0\"></span>ties, and t<span class=\"_ _0\"></span>akes i<span class=\"_ _0\"></span>nto account<span class=\"_ _0\"></span> the ex<span class=\"_ _0\"></span>pecte<span class=\"_ _0\"></span>d recovery by applyi<span class=\"_ _0\"></span>ng a cost<span class=\"_ _0\"></span>s to se<span class=\"_ _0\"></span>ll hairc<span class=\"_ _0\"></span>ut and a marke<span class=\"_ _0\"></span>t value hai<span class=\"_ _0\"></span>rcut to<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>propert<span class=\"_ _0\"></span>y value,<span class=\"_ _0\"></span> and by<span class=\"_ _0\"></span> disco<span class=\"_ _0\"></span>unting (<span class=\"_ _0\"></span>using t<span class=\"_ _0\"></span>he ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>tive i<span class=\"ls5 ws68\">nterest<span class=\"_ _1\"></span> rate) th<span class=\"_ _1\"></span>e </span>upd<span class=\"_ _1\"></span>ated ma<span class=\"_ _1\"></span>rket va<span class=\"_ _1\"></span>lue of th<span class=\"_ _1\"></span>e p<span class=\"_ _1\"></span>roper<span class=\"_ _1\"></span>ty after<span class=\"_ _1\"></span> haircu<span class=\"_ _1\"></span>ts,<span class=\"_ _1\"></span> over a <span class=\"_ _1\"></span>perio<span class=\"_ _1\"></span>d of ti<span class=\"_ _1\"></span>me equ<span class=\"_ _1\"></span>ival<span class=\"_ _1\"></span>ent to t<span class=\"_ _1\"></span>he p<span class=\"_ _1\"></span>erceiv<span class=\"_ _1\"></span>ed tim<span class=\"_ _1\"></span>e to sel<span class=\"_ _1\"></span>l. The LGD fo<span class=\"_ _1\"></span>r other<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ures i<span class=\"_ _1\"></span>s based on t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span>\u2019s percei<span class=\"_ _1\"></span>ved ris<span class=\"_ _1\"></span>k on th<span class=\"_ _1\"></span>e collatera<span class=\"_ _1\"></span>l. For u<span class=\"_ _1\"></span>nsecu<span class=\"_ _1\"></span>red products, LGDs are ty<span class=\"ls6 ws1f\">p<span class=\"_ _1\"></span>ically set at prod<span class=\"_ _1\"></span>uct level due to<span class=\"_ _1\"></span> the limited d<span class=\"_ _1\"></span>ifferentiat<span class=\"_ _1\"></span>ion of rec<span class=\"_ _1\"></span>overies achi<span class=\"_ _1\"></span>eved </span>acros<span class=\"_ _1\"></span>s differ<span class=\"_ _1\"></span>ent bo<span class=\"_ _1\"></span>rrowers<span class=\"_ _1\"></span>. Thes<span class=\"_ _1\"></span>e LGDs a<span class=\"_ _1\"></span>re influ<span class=\"_ _1\"></span>enced<span class=\"_ _1\"></span> by col<span class=\"_ _1\"></span>lection<span class=\"_ _1\"></span> stra<span class=\"_ _1\"></span>tegies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The ECL i<span class=\"_ _1\"></span>s mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> from t<span class=\"_ _1\"></span>he in<span class=\"_ _1\"></span>itial r<span class=\"_ _1\"></span>ecogn<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of the <span class=\"_ _1\"></span>fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>et. The maxi<span class=\"_ _1\"></span>mum p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> when mea<span class=\"_ _1\"></span>surin<span class=\"_ _1\"></span>g ECL (b<span class=\"_ _1\"></span>e it 12<span class=\"ls1 ws1\">-</span>month<span class=\"_ _1\"></span> or lifeti<span class=\"_ _1\"></span>me ECL<span class=\"_ _1\"></span>) is the max<span class=\"_ _1\"></span>imum co<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>ctual p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>ver whi<span class=\"_ _1\"></span>ch the Group is e<span class=\"_ _0\"></span>xposed to<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit ris<span class=\"_ _0\"></span>k. With r<span class=\"_ _0\"></span>espect<span class=\"_ _0\"></span> to non<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">revolving credit facilities,<span class=\"_ _1\"></span> the contract<span class=\"_ _1\"></span>ual life of the </span></span>facility is co<span class=\"_ _1\"></span>nsidered. In the case of revo<span class=\"_ _1\"></span>lving credit facilit<span class=\"_ _1\"></span>ies, provi<span class=\"_ _1\"></span>ded that such facilities do<span class=\"_ _1\"></span> not have a fixed ter<span class=\"_ _1\"></span>m or rep<span class=\"_ _1\"></span>aymen<span class=\"_ _1\"></span>t stru<span class=\"_ _1\"></span>cture,<span class=\"_ _1\"></span> the Gro<span class=\"_ _1\"></span>up defi<span class=\"_ _1\"></span>nes th<span class=\"_ _1\"></span>e lifetim<span class=\"_ _1\"></span>e of suc<span class=\"_ _1\"></span>h expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> as<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">12 months, in cas<span class=\"_ _1\"></span>e </span></span>the next<span class=\"_ _0\"></span> substantive c<span class=\"_ _0\"></span>redit r<span class=\"_ _0\"></span>eview<span class=\"_ _0\"></span> is wi<span class=\"_ _0\"></span>thin the ne<span class=\"_ _0\"></span>xt 12 months. For<span class=\"_ _0\"></span> the cre<span class=\"_ _0\"></span>dit car<span class=\"_ _0\"></span>ds portfol<span class=\"_ _0\"></span>io, the G<span class=\"_ _0\"></span>roup also ap<span class=\"_ _1\"></span>plies a lifetime of 12 m<span class=\"_ _1\"></span>onths.<span class=\"ls1 ws1\"> </span>Forward<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">looking <span class=\"_ _1\"></span>economic inf<span class=\"_ _1\"></span>ormation is<span class=\"_ _1\"></span> also inclu<span class=\"_ _1\"></span>ded in determ<span class=\"_ _1\"></span>ining the 12<span class=\"_ _1\"></span></span>-<span class=\"ls8 ws3c\">month and l<span class=\"_ _0\"></span>ifet<span class=\"_ _0\"></span>ime PD and </span></span>LGD. Refer to note 2.3.4<span class=\"_ _0\"></span>.4 for an explanation of forward<span class=\"ls1 ws1\">-<span class=\"ls6 ws55\">looking informat<span class=\"_ _1\"></span>ion and it<span class=\"_ _1\"></span>s inclu<span class=\"_ _1\"></span>sion in E<span class=\"_ _1\"></span>CL </span></span>calculation<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>The assum<span class=\"_ _0\"></span>ptions underl<span class=\"_ _0\"></span>ying t<span class=\"_ _0\"></span>he ECL c<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>ions are m<span class=\"_ _0\"></span>onitore<span class=\"_ _0\"></span>d and revi<span class=\"_ _0\"></span>ewe<span class=\"_ _0\"></span>d on a reg<span class=\"_ _0\"></span>ular basis. <span class=\"ls1 ws1\"> </span>For indiv<span class=\"_ _1\"></span>idually s<span class=\"_ _1\"></span>ignificant credit i<span class=\"_ _1\"></span>mpaired loans<span class=\"_ _1\"></span>, management<span class=\"_ _1\"></span> determines th<span class=\"_ _1\"></span>e size o<span class=\"_ _1\"></span>f the allowanc<span class=\"_ _1\"></span>e requi<span class=\"_ _1\"></span>red bas<span class=\"_ _1\"></span>ed on a r<span class=\"_ _1\"></span>ange of fact<span class=\"_ _1\"></span>ors s<span class=\"_ _1\"></span>uch as th<span class=\"_ _1\"></span>e realisa<span class=\"_ _1\"></span>ble value o<span class=\"_ _1\"></span>f securi<span class=\"_ _1\"></span>ty, the v<span class=\"_ _1\"></span>iabil<span class=\"_ _1\"></span>ity of the cus<span class=\"_ _1\"></span>tomer\u2019<span class=\"_ _1\"></span>s business mode<span class=\"_ _0\"></span>l and the c<span class=\"_ _0\"></span>apac<span class=\"_ _0\"></span>ity to ge<span class=\"_ _0\"></span>nerate<span class=\"_ _0\"></span> cash fl<span class=\"_ _0\"></span>ow to servic<span class=\"_ _0\"></span>e debt obl<span class=\"_ _0\"></span>igatio<span class=\"_ _0\"></span>ns, under<span class=\"_ _0\"></span> diffe<span class=\"_ _0\"></span>rent scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> Jud<span class=\"_ _1\"></span>gement is<span class=\"_ _1\"></span> applied<span class=\"_ _1\"></span> in esti<span class=\"_ _1\"></span>mating<span class=\"_ _1\"></span> the expe<span class=\"_ _1\"></span>cted<span class=\"_ _1\"></span> futu<span class=\"_ _1\"></span>re cash<span class=\"_ _1\"></span> flows fro<span class=\"_ _1\"></span>m each<span class=\"_ _1\"></span> borro<span class=\"_ _1\"></span>wer and<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> time to r<span class=\"_ _1\"></span>ecover t<span class=\"_ _1\"></span>hese cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span> und<span class=\"_ _1\"></span>er the differen<span class=\"_ _1\"></span>t scen<span class=\"_ _1\"></span>ari<span class=\"_ _1\"></span>os as well<span class=\"_ _1\"></span> as to at<span class=\"_ _1\"></span>tach prob<span class=\"_ _1\"></span>abilit<span class=\"_ _1\"></span>ies <span class=\"ls9 ws12b\">to those </span>scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> The ass<span class=\"_ _1\"></span>umpt<span class=\"_ _1\"></span>ions arou<span class=\"_ _1\"></span>nd for<span class=\"_ _1\"></span>ecasted<span class=\"_ _1\"></span> recover<span class=\"_ _1\"></span>ies fr<span class=\"_ _1\"></span>om the s<span class=\"_ _1\"></span>ale of co<span class=\"_ _1\"></span>llatera<span class=\"_ _1\"></span>lised p<span class=\"_ _1\"></span>roper<span class=\"_ _1\"></span>ties, including<span class=\"_ _0\"></span> around valuati<span class=\"_ _0\"></span>on hair<span class=\"_ _0\"></span>cuts and tim<span class=\"_ _0\"></span>e to reco<span class=\"_ _0\"></span>very, are ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s in the estim<span class=\"_ _0\"></span>ation of cre<span class=\"_ _0\"></span>dit loss allowances in<span class=\"_ _1\"></span> respect of individ<span class=\"_ _1\"></span>ually asses<span class=\"_ _1\"></span>sed loans. The economic cond<span class=\"_ _1\"></span>itions with<span class=\"_ _1\"></span>in the local prop<span class=\"_ _1\"></span>erty marke<span class=\"_ _0\"></span>t, driven by t<span class=\"_ _0\"></span>he curr<span class=\"_ _0\"></span>ent mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-<span class=\"ls5 ws68\">economi<span class=\"_ _1\"></span>c enviro<span class=\"_ _1\"></span>nment,<span class=\"_ _1\"></span> increa<span class=\"_ _1\"></span>ses th<span class=\"_ _1\"></span>e level o<span class=\"_ _1\"></span>f expert<span class=\"_ _1\"></span> judg<span class=\"_ _1\"></span>ement </span></span>require<span class=\"_ _0\"></span>d to predi<span class=\"_ _0\"></span>ct wi<span class=\"_ _0\"></span>th reasonabl<span class=\"_ _0\"></span>e acc<span class=\"_ _0\"></span>uracy the<span class=\"_ _0\"></span> recove<span class=\"_ _0\"></span>rabili<span class=\"_ _0\"></span>ty of ex<span class=\"_ _0\"></span>posures throug<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span> sale <span class=\"ls6 ws1d\">of collateral. </span>To refl<span class=\"_ _1\"></span>ect the eco<span class=\"_ _1\"></span>nomic co<span class=\"_ _1\"></span>ndi<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span>s curr<span class=\"_ _1\"></span>ently bei<span class=\"_ _1\"></span>ng experi<span class=\"_ _1\"></span>enced<span class=\"_ _1\"></span>, cons<span class=\"_ _1\"></span>ervat<span class=\"_ _1\"></span>ive ju<span class=\"_ _1\"></span>dgements<span class=\"_ _1\"></span> were app<span class=\"_ _1\"></span>lied b<span class=\"_ _1\"></span>y management in<span class=\"_ _1\"></span> order to overcome limitatio<span class=\"_ _1\"></span>ns in respect of determining co<span class=\"_ _1\"></span>llateral valu<span class=\"_ _1\"></span>ations, and th<span class=\"_ _1\"></span>e uncertai<span class=\"_ _0\"></span>nty around<span class=\"_ _0\"></span> the tim<span class=\"_ _0\"></span>e to re<span class=\"_ _0\"></span>pos<span class=\"ls6 ws1c\">sess properties<span class=\"_ _1\"></span> held as collateral an<span class=\"_ _1\"></span>d to resell s<span class=\"_ _1\"></span>uch properties in the </span>open<span class=\"_ _1\"></span> market. 2.3.4.4 Forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7\">looking information incor<span class=\"_ _0\"></span>porated in the ECL m<span class=\"_ _0\"></span>odel<span class=\"ls1\"> </span></span></span>The calcul<span class=\"_ _0\"></span>ation of ECL incorpo<span class=\"_ _0\"></span>rates forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-</span>looking infor<span class=\"_ _0\"></span>mation. The Group per<span class=\"_ _0\"></span>forms a<span class=\"_ _0\"></span> historical analy<span class=\"_ _0\"></span>sis to identify t<span class=\"_ _1\"></span>he key economic va<span class=\"_ _1\"></span>riables affecting credit<span class=\"_ _1\"></span> risk and<span class=\"_ _1\"></span> expected credit loss<span class=\"_ _1\"></span>es for each po<span class=\"_ _1\"></span>rtfolio. These econo<span class=\"_ _1\"></span>mic variables a<span class=\"_ _1\"></span>nd their as<span class=\"_ _1\"></span>socia<span class=\"ls8 wsa\">ted impact<span class=\"_ _0\"></span> on the<span class=\"_ _0\"></span> PD, EAD and L<span class=\"_ _0\"></span>GD m<span class=\"_ _0\"></span>ay vary by portf<span class=\"_ _0\"></span>olio. <span class=\"ls1 ws1\"> </span></span>In this res<span class=\"_ _0\"></span>pect<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup has <span class=\"_ _0\"></span><span class=\"ls6 ws8\">actually <span class=\"ws12\">identified key drivers<span class=\"_ _1\"></span> of credit risk and<span class=\"_ _1\"></span> credit losses for each port<span class=\"_ _1\"></span>folio </span></span>of fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>rument<span class=\"_ _0\"></span>s and, using a<span class=\"_ _0\"></span>n analysi<span class=\"_ _0\"></span>s of hist<span class=\"_ _0\"></span>orical<span class=\"_ _0\"></span> data, has a<span class=\"_ _0\"></span>nalyse<span class=\"_ _0\"></span>d relati<span class=\"_ _0\"></span>onships <span class=\"_ _0\"></span>betw<span class=\"_ _0\"></span>een mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>economic varia<span class=\"_ _1\"></span>bles, cred<span class=\"_ _1\"></span>it risk and<span class=\"_ _1\"></span> credit loss<span class=\"_ _1\"></span>es. The key driv<span class=\"_ _1\"></span>ers cons<span class=\"_ _1\"></span>t<span class=\"ls9 ws131\">itute Gross Domestic Product (\u2018GDP\u2019) </span>at constant <span class=\"_ _0\"></span>price<span class=\"_ _0\"></span>s, unempl<span class=\"_ _0\"></span>oyment<span class=\"_ _0\"></span> rates and inf<span class=\"_ _0\"></span>lation r<span class=\"_ _0\"></span>ates.<span class=\"ls1 ws1\"> </span>The impa<span class=\"_ _1\"></span>ct of th<span class=\"_ _1\"></span>ese econ<span class=\"_ _1\"></span>omic v<span class=\"_ _1\"></span>ariab<span class=\"_ _1\"></span>les on th<span class=\"_ _1\"></span>e PD, EAD an<span class=\"_ _1\"></span>d LGD ha<span class=\"_ _1\"></span>s been det<span class=\"_ _1\"></span>ermined b<span class=\"_ _1\"></span>y performi<span class=\"_ _1\"></span>ng statis<span class=\"_ _1\"></span>tical regression<span class=\"_ _1\"></span> analysi<span class=\"_ _1\"></span>s to understa<span class=\"_ _1\"></span>nd the impact<span class=\"_ _1\"></span> changes in t<span class=\"_ _1\"></span>hese variab<span class=\"_ _1\"></span>les have h<span class=\"_ _1\"></span>ad his<span class=\"_ _1\"></span>torically on<span class=\"_ _1\"></span> default<span class=\"_ _0\"></span> rates and on t<span class=\"_ _0\"></span>he com<span class=\"_ _0\"></span>ponents of L<span class=\"_ _0\"></span>GD and EAD<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>Three<span class=\"_ _0\"></span> possible<span class=\"_ _0\"></span> scenari<span class=\"_ _0\"></span>os are consider<span class=\"_ _0\"></span>ed to ca<span class=\"_ _0\"></span>pture non<span class=\"ls1 ws1\">-<span class=\"ls6 ws39\">linearity acros<span class=\"_ _1\"></span>s credit por<span class=\"_ _1\"></span>tfolios. The \u2018ba<span class=\"_ _1\"></span>se line\u2019 </span></span>scena<span class=\"_ _1\"></span>rio rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s the mo<span class=\"_ _1\"></span>st<span class=\"ls1 ws1\">-<span class=\"ls6 ws64\">likely ou<span class=\"_ _1\"></span>tcome. It is bas<span class=\"_ _1\"></span>ed on aut<span class=\"_ _1\"></span>horitative sou<span class=\"_ _1\"></span>rces forecasting thes<span class=\"_ _1\"></span>e </span></span>econo<span class=\"_ _1\"></span>mic vari<span class=\"_ _1\"></span>ables<span class=\"_ _1\"></span> referred<span class=\"_ _1\"></span> to ab<span class=\"_ _1\"></span>ove and pr<span class=\"_ _1\"></span>ovid<span class=\"_ _1\"></span>ing the best<span class=\"_ _1\"></span> estimat<span class=\"_ _1\"></span>e view of t<span class=\"_ _1\"></span>he econo<span class=\"_ _1\"></span>my. Apa<span class=\"_ _1\"></span>rt from the \u2018base l<span class=\"_ _0\"></span>ine\u2019 sce<span class=\"_ _0\"></span>nario, t<span class=\"_ _0\"></span>he Group consider<span class=\"_ _0\"></span>s two othe<span class=\"_ _0\"></span>r macro<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">economic scena<span class=\"_ _1\"></span>rios </span>\u2013 </span>Upside and Downside<span class=\"_ _0\"></span> scenarios<span class=\"_ _1\"></span> <span class=\"_ _11\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"_ _0\"></span><span class=\"ls6 ws2e\">which resp<span class=\"_ _1\"></span>ectively repres<span class=\"_ _1\"></span>ent a more<span class=\"_ _1\"></span> optimistic a<span class=\"_ _1\"></span>nd a mo<span class=\"_ _1\"></span>re pessimis<span class=\"_ _1\"></span>tic outcom<span class=\"_ _1\"></span>e. Such scena<span class=\"ws8\">rios<span class=\"_ _1\"></span> </span></span></span>reflect<span class=\"_ _1\"></span> the cur<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span> top a<span class=\"_ _1\"></span>nd emerg<span class=\"_ _1\"></span>ent ri<span class=\"_ _1\"></span>sks a<span class=\"_ _1\"></span>nd op<span class=\"_ _1\"></span>port<span class=\"_ _1\"></span>unities. Th<span class=\"_ _1\"></span>e more o<span class=\"_ _1\"></span>pti<span class=\"_ _1\"></span>mistic a<span class=\"_ _1\"></span>nd mo<span class=\"_ _1\"></span>re pess<span class=\"_ _1\"></span>imisti<span class=\"_ _1\"></span>c scena<span class=\"_ _1\"></span>rios a<span class=\"_ _1\"></span>re econo<span class=\"_ _1\"></span>mical<span class=\"_ _1\"></span>ly pl<span class=\"_ _1\"></span>aus<span class=\"_ _1\"></span>ible, a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e more pes<span class=\"_ _1\"></span>simi<span class=\"_ _1\"></span>stic s<span class=\"_ _1\"></span>cenari<span class=\"_ _1\"></span>o will no<span class=\"_ _1\"></span>t nec<span class=\"_ _1\"></span>essa<span class=\"_ _1\"></span>rily b<span class=\"_ _1\"></span>e as sev<span class=\"_ _1\"></span>ere as scena<span class=\"_ _0\"></span>rios use<span class=\"_ _0\"></span>d in <span class=\"_ _0\"></span>stress t<span class=\"_ _0\"></span>esti<span class=\"_ _0\"></span>ng.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Modelling of th<span class=\"_ _1\"></span>e economic scen<span class=\"_ _1\"></span>arios, i.e. th<span class=\"_ _1\"></span>e forecast valu<span class=\"_ _1\"></span>es of economic varia<span class=\"_ _1\"></span>bles for optimis<span class=\"_ _1\"></span>tic and pess<span class=\"_ _1\"></span>imisti<span class=\"_ _1\"></span>c scena<span class=\"_ _1\"></span>rios,<span class=\"_ _1\"></span> is perfor<span class=\"_ _1\"></span>med on t<span class=\"_ _1\"></span>he bas<span class=\"_ _1\"></span>is of the his<span class=\"_ _1\"></span>torical<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>es and an<span class=\"_ _1\"></span>nual fo<span class=\"_ _1\"></span>recast<span class=\"_ _1\"></span> values fo<span class=\"_ _1\"></span>r the base scena<span class=\"_ _0\"></span>rio, mai<span class=\"_ _0\"></span>nly based o<span class=\"_ _0\"></span>n the publi<span class=\"_ _0\"></span>shed<span class=\"ls1 ws1\"> <span class=\"ls1c ws2d\">three<span class=\"_ _1\"></span></span>-<span class=\"ls7\">year forecast of<span class=\"_ _0\"></span> the Central B<span class=\"_ _0\"></span>ank of Malta.<span class=\"ls1\"> </span></span></span>The pes<span class=\"_ _1\"></span>simis<span class=\"_ _1\"></span>tic and<span class=\"_ _1\"></span> opti<span class=\"_ _1\"></span>mist<span class=\"_ _1\"></span>ic scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> are de<span class=\"_ _1\"></span>emed to<span class=\"_ _1\"></span> rep<span class=\"_ _1\"></span>resent ma<span class=\"_ _1\"></span>nag<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>'s bes<span class=\"_ _1\"></span>t forec<span class=\"_ _1\"></span>ast o<span class=\"_ _1\"></span>f an econom<span class=\"_ _0\"></span>ically plausibl<span class=\"_ _0\"></span>e upside<span class=\"_ _0\"></span> and dow<span class=\"_ _0\"></span>nside sce<span class=\"_ _0\"></span>nario.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Each scenar<span class=\"_ _0\"></span>io is w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted by a<span class=\"_ _0\"></span> probabili<span class=\"_ _0\"></span>ty of occ<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>e, det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned by a com<span class=\"_ _0\"></span>bination of<span class=\"_ _0\"></span> m<span class=\"_ _0\"></span>acro<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">economi<span class=\"_ _1\"></span>c </span></span>resear<span class=\"_ _0\"></span>ch and expe<span class=\"_ _0\"></span>rt cr<span class=\"_ _0\"></span>edit judgme<span class=\"_ _0\"></span>nt, taking<span class=\"_ _0\"></span> into acc<span class=\"_ _0\"></span>ount the<span class=\"_ _0\"></span> range<span class=\"_ _0\"></span> of possible<span class=\"_ _0\"></span> outcom<span class=\"_ _0\"></span>es eac<span class=\"_ _0\"></span>h chosen scena<span class=\"_ _1\"></span>rio rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s. Th<span class=\"_ _1\"></span>e Gro<span class=\"_ _1\"></span>up mea<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> ECL as<span class=\"_ _1\"></span> eith<span class=\"_ _1\"></span>e<span class=\"ls6 ws23\">r a p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> weighted 12<span class=\"ls1 ws1\">-<span class=\"lsd ws6c\">mo<span class=\"_ _1\"></span>nth ECL (St<span class=\"_ _1\"></span>age 1<span class=\"_ _1\"></span>), or </span></span></span>a proba<span class=\"_ _1\"></span>bility weighted lifetim<span class=\"_ _1\"></span>e ECL (Stages 2 and<span class=\"_ _1\"></span> 3). These proba<span class=\"_ _1\"></span>bility<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">weight<span class=\"_ _1\"></span>ed ECLs<span class=\"_ _1\"></span> are det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>ed by </span></span>running ea<span class=\"_ _0\"></span>ch scenar<span class=\"_ _0\"></span>io throug<span class=\"_ _0\"></span>h the r<span class=\"_ _0\"></span>ele<span class=\"_ _0\"></span>vant ECL mode<span class=\"_ _0\"></span>l and mul<span class=\"_ _0\"></span>tiplying<span class=\"_ _0\"></span> the outc<span class=\"_ _0\"></span>ome by the<span class=\"_ _0\"></span> appropria<span class=\"_ _0\"></span>te scenari<span class=\"_ _0\"></span>o wei<span class=\"_ _0\"></span>ghting (<span class=\"_ _0\"></span>as opposed to w<span class=\"_ _0\"></span>eighti<span class=\"_ _0\"></span>ng the i<span class=\"_ _0\"></span>nputs).<span class=\"_ _bc\"> </span>As with<span class=\"_ _1\"></span> any macr<span class=\"_ _1\"></span>o<span class=\"ls1 ws1\">-<span class=\"ls7 wsf\">economic forecasts, the <span class=\"_ _0\"></span>projections a<span class=\"_ _0\"></span>nd likelihood of occ<span class=\"_ _0\"></span>urrence <span class=\"_ _0\"></span>are subject to<span class=\"_ _0\"></span> an </span></span>elevat<span class=\"_ _1\"></span>ed de<span class=\"_ _1\"></span>gree of u<span class=\"_ _1\"></span>ncer<span class=\"_ _1\"></span>taint<span class=\"_ _1\"></span>y and<span class=\"_ _1\"></span> therefo<span class=\"_ _1\"></span>re, th<span class=\"_ _1\"></span>e actu<span class=\"_ _1\"></span>al ou<span class=\"_ _1\"></span>tcomes<span class=\"_ _1\"></span> may<span class=\"_ _1\"></span> be sign<span class=\"_ _1\"></span>ifica<span class=\"_ _1\"></span>ntly d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>t to t<span class=\"_ _1\"></span>hose<span class=\"_ _1\"></span> proj<span class=\"_ _1\"></span>ected. <span class=\"ls1 ws1\"> </span>Local economi<span class=\"_ _0\"></span>c growth m<span class=\"_ _0\"></span>oderated, as Malta move<span class=\"_ _0\"></span>s further<span class=\"_ _0\"></span> away from the<span class=\"_ _0\"></span> post<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">pandemi<span class=\"_ _1\"></span>c recover<span class=\"_ _1\"></span>y, in a<span class=\"_ _1\"></span> </span></span>context of a w<span class=\"_ _1\"></span>eakening globa<span class=\"_ _1\"></span>l outlo<span class=\"_ _1\"></span>ok, charact<span class=\"_ _1\"></span>erised by trade po<span class=\"_ _1\"></span>licy uncertain<span class=\"_ _1\"></span>ty and geop<span class=\"_ _1\"></span>olitical tens<span class=\"_ _1\"></span>ions. The Central Bank o<span class=\"_ _1\"></span>f Malta forecasts<span class=\"_ _1\"></span> that Malta\u2019s real GDP growth<span class=\"_ _1\"></span> will moderate from 6.8<span class=\"_ _1\"></span>% in 2024 to 3.7% in 2025 and re<span class=\"_ _1\"></span>main at 3.7<span class=\"_ _1\"></span>% in bo<span class=\"_ _1\"></span>th 2026 and 202<span class=\"_ _1\"></span>7. <span class=\"ls8 ws86\">This trend is also<span class=\"_ _0\"></span> confir<span class=\"_ _0\"></span>med by the Europe<span class=\"_ _0\"></span>an </span>Commission,<span class=\"_ _0\"></span> which e<span class=\"_ _0\"></span>xpect<span class=\"_ _0\"></span>s it to be drive<span class=\"_ _0\"></span>n mainly by r<span class=\"_ _0\"></span>obust pri<span class=\"_ _0\"></span>vate and publi<span class=\"_ _0\"></span>c consump<span class=\"_ _0\"></span>tion, i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt, an<span class=\"ls8 wsa\">d supporte<span class=\"_ _0\"></span>d by growt<span class=\"_ _0\"></span>h in tour<span class=\"_ _0\"></span>ism, gam<span class=\"_ _0\"></span>ing and f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> and profe<span class=\"_ _0\"></span>ssional ser<span class=\"_ _0\"></span>vices. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>Employme<span class=\"_ _0\"></span>nt growth i<span class=\"_ _0\"></span>s expected to m<span class=\"_ _0\"></span>oderate, a<span class=\"_ _0\"></span>s econom<span class=\"_ _0\"></span>ic growt<span class=\"_ _0\"></span>h eases and producti<span class=\"_ _0\"></span>vity g<span class=\"_ _0\"></span>ains ground. This is cou<span class=\"_ _1\"></span>pled with the introdu<span class=\"_ _1\"></span>ction of policies<span class=\"_ _1\"></span> aimed at limiting inward migra<span class=\"_ _1\"></span>tion. The u<span class=\"_ _1\"></span>nemployment<span class=\"_ _1\"></span> rate is expected t<span class=\"_ _1\"></span>o edge down to 2.8% by 2027, remainin<span class=\"_ _1\"></span>g below its natural<span class=\"_ _1\"></span> rate of 3.1%. This negative unemployment g<span class=\"_ _0\"></span>ap is expected to be a key factor i<span class=\"_ _0\"></span>n wage growth outlook.<span class=\"ls1\"> </span>Being<span class=\"_ _0\"></span> a small o<span class=\"_ _0\"></span>pen eco<span class=\"_ _0\"></span>nomy, Mal<span class=\"_ _0\"></span>ta is infl<span class=\"_ _0\"></span>uence<span class=\"_ _0\"></span>d by developm<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Euro Are<span class=\"_ _0\"></span>a, EU a<span class=\"_ _0\"></span>nd the glo<span class=\"_ _0\"></span>bal market. In Eu<span class=\"_ _1\"></span>rope, rea<span class=\"_ _1\"></span>l GDP is<span class=\"_ _1\"></span> forecasted to gro<span class=\"_ _1\"></span>w by 1.<span class=\"_ _1\"></span>4% in the E<span class=\"_ _1\"></span>U in 2025 a<span class=\"_ _1\"></span>nd 2026, <span class=\"_ _1\"></span>edging up<span class=\"_ _1\"></span> to 1.5%<span class=\"_ _1\"></span> in 2027. The <span class=\"_ _1\"></span>euro area is exp<span class=\"_ _1\"></span>ected fo<span class=\"_ _1\"></span>llow a similar t<span class=\"_ _1\"></span>rajector<span class=\"_ _1\"></span>y, with real G<span class=\"_ _1\"></span>DP growing b<span class=\"_ _1\"></span>y 1.3% in 20<span class=\"_ _1\"></span>25, 1.2% in 2026, and<span class=\"_ _1\"></span> by 1.4% in 2027<span class=\"_ _1\"></span>.Growth is su<span class=\"_ _1\"></span>pported b<span class=\"_ _1\"></span>y a resilient labou<span class=\"_ _1\"></span>r market, decrea<span class=\"_ _1\"></span>sing inflatio<span class=\"_ _1\"></span>n and favourable<span class=\"_ _0\"></span> financ<span class=\"_ _0\"></span>ing condi<span class=\"_ _0\"></span>tions. The<span class=\"_ _0\"></span> Com<span class=\"_ _0\"></span>mission se<span class=\"_ _0\"></span>es these<span class=\"_ _0\"></span> as \u201ckey con<span class=\"_ _0\"></span>ditio<span class=\"_ _0\"></span>ns\u201d for<span class=\"_ _0\"></span> continue<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">economic </span></span>growth,<span class=\"_ _0\"></span> despite<span class=\"_ _0\"></span> the chall<span class=\"_ _0\"></span>enging e<span class=\"_ _0\"></span>xterna<span class=\"_ _0\"></span>l environm<span class=\"_ _0\"></span>ent and unc<span class=\"_ _0\"></span>ertai<span class=\"_ _0\"></span>nty. <span class=\"ls1 ws1\"> </span>Euro area i<span class=\"_ _1\"></span>nflation is expecte<span class=\"_ _1\"></span>d to slow from 2.4% in 202<span class=\"_ _1\"></span>4 to 2.1% in 2025 and t<span class=\"_ _1\"></span>hen remain broa<span class=\"_ _1\"></span>dly stable at 1.9% in 2026 and<span class=\"_ _1\"></span> 2.0% in 2027. Consequent<span class=\"_ _1\"></span>ly, the ECB has kep<span class=\"_ _1\"></span>t its interest rat<span class=\"_ _1\"></span>es on the deposit facility, the mai<span class=\"_ _0\"></span>n refinanc<span class=\"_ _0\"></span>ing oper<span class=\"_ _0\"></span>ations and the ma<span class=\"ls6 ws19\">rginal lending facility u<span class=\"_ _1\"></span>nchanged at<span class=\"_ _1\"></span> 2.00%, 2.<span class=\"_ _1\"></span>15% and 2.40%<span class=\"_ _1\"></span> </span>respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>Further<span class=\"_ _0\"></span>more<span class=\"_ _0\"></span>, the EU and U<span class=\"_ _0\"></span>S signe<span class=\"_ _0\"></span>d a joint ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>ment on r<span class=\"_ _0\"></span>eciproca<span class=\"_ _0\"></span>l, fair<span class=\"_ _0\"></span> and balance<span class=\"_ _0\"></span>d trad<span class=\"_ _0\"></span>e, establ<span class=\"_ _0\"></span>ishing a<span class=\"_ _0\"></span> 15% head<span class=\"_ _1\"></span>line ta<span class=\"_ _1\"></span>riff in Au<span class=\"_ _1\"></span>gust<span class=\"_ _1\"></span>. Than<span class=\"_ _1\"></span>ks to a nu<span class=\"_ _1\"></span>mber of ca<span class=\"_ _1\"></span>rveouts<span class=\"_ _1\"></span>, the j<span class=\"_ _1\"></span>oint agreemen<span class=\"_ _1\"></span>t pla<span class=\"_ _1\"></span>ces th<span class=\"_ _1\"></span>e EU at a competitive<span class=\"_ _0\"></span> advantage compared to other tradin<span class=\"lsa ws44\">g partners<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span>On a more global sc<span class=\"_ _0\"></span>ale, the<span class=\"_ _0\"></span> IMF\u2019s G<span class=\"_ _0\"></span>lobal Economic Outloo<span class=\"_ _0\"></span>k projects gl<span class=\"_ _0\"></span>obal grow<span class=\"_ _0\"></span>th to sl<span class=\"_ _0\"></span>ow from 3<span class=\"_ _0\"></span>.6% in 2024 to 2.6% in<span class=\"_ _1\"></span> 2025. The IMF s<span class=\"_ _1\"></span>ees risks t<span class=\"_ _1\"></span>o the outlook remain<span class=\"_ _1\"></span>ing tilted to th<span class=\"_ _1\"></span>e downside d<span class=\"_ _1\"></span>ue to further escalation of prote<span class=\"_ _0\"></span>ctionist measure<span class=\"_ _0\"></span>s and larger<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">th</span></span><span class=\"ws4e\">an<span class=\"ls1 ws1\">-<span class=\"ls8 ws5c\">ex<span class=\"_ _0\"></span>pected shock<span class=\"_ _0\"></span>s to labour<span class=\"_ _0\"></span> suppl<span class=\"_ _0\"></span>y f<span class=\"_ _0\"></span>rom re<span class=\"_ _0\"></span>stricti<span class=\"_ _0\"></span>ve </span></span></span>immigration<span class=\"_ _1\"></span> policies. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The macr<span class=\"_ _0\"></span>oeconomi<span class=\"_ _0\"></span>c streng<span class=\"_ _0\"></span>th observed in re<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span> years lar<span class=\"_ _0\"></span>gely refl<span class=\"_ _0\"></span>ects cont<span class=\"_ _0\"></span>inued post<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">pandemi<span class=\"_ _1\"></span>c recov<span class=\"_ _1\"></span>ery<span class=\"_ _1\"></span> </span></span>dynamics and base<span class=\"_ _0\"></span> eff<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s, resulting i<span class=\"_ _0\"></span>n observations t<span class=\"_ _0\"></span>hat are<span class=\"_ _0\"></span> not ful<span class=\"_ _0\"></span>ly repre<span class=\"_ _0\"></span>sentati<span class=\"_ _0\"></span>ve of longer<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span>economic cond<span class=\"_ _1\"></span>itions. Thes<span class=\"_ _1\"></span>e atypica<span class=\"_ _1\"></span>l data poi<span class=\"_ _1\"></span>nts fall<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls8 ws67\">outside<span class=\"_ _0\"></span> the histor<span class=\"_ _0\"></span>ical ra<span class=\"_ _0\"></span>nges used f<span class=\"_ _0\"></span>or ECL m<span class=\"_ _0\"></span>odel </span></span>calibratio<span class=\"_ _1\"></span>n and may introdu<span class=\"_ _1\"></span>ce distortions in time<span class=\"ls1 ws1\">-</span>series<span class=\"_ _1\"></span> behaviour, with<span class=\"_ _1\"></span> potential implicatio<span class=\"_ _1\"></span>ns for model perfor<span class=\"_ _0\"></span>mance and pro<span class=\"_ _0\"></span>jecti<span class=\"_ _0\"></span>ons.<span class=\"ls1 ws1\"> </span>In this reg<span class=\"_ _0\"></span>ard, a<span class=\"_ _0\"></span> very im<span class=\"_ _0\"></span>porta<span class=\"_ _0\"></span>nt judgem<span class=\"_ _0\"></span>ent w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Bank\u2019s esti<span class=\"_ _0\"></span>mation of<span class=\"_ _0\"></span> ECL all<span class=\"_ _0\"></span>owance<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span>s to be<span class=\"_ _0\"></span> the det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of fo<span class=\"_ _1\"></span>rward<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws55\">looking scena<span class=\"_ _1\"></span>rios reflectin<span class=\"_ _1\"></span>g potent<span class=\"_ _1\"></span>ial future eco<span class=\"_ _1\"></span>nomic c<span class=\"_ _1\"></span>ondition<span class=\"_ _1\"></span>s under </span></span>diffe<span class=\"_ _0\"></span>rent scena<span class=\"_ _0\"></span>rios and thei<span class=\"_ _0\"></span>r impac<span class=\"_ _0\"></span>t on PDs and L<span class=\"ls5 ws7\">GDs.<span class=\"ls1 ws1\"> </span></span>The most sign<span class=\"_ _1\"></span>ificant period<span class=\"ls1 ws1\">-</span>e<span class=\"_ _1\"></span>nd assumpt<span class=\"_ _1\"></span>ions used for the ECL estimate a<span class=\"_ _1\"></span>s at 31 December 2025 an<span class=\"_ _1\"></span>d 2024 are set<span class=\"_ _1\"></span> out b<span class=\"_ _1\"></span>elow. The \u2018<span class=\"_ _1\"></span>base\u2019<span class=\"_ _1\"></span>, \u2018up<span class=\"_ _1\"></span>side\u2019<span class=\"_ _1\"></span> and \u2018d<span class=\"_ _1\"></span>ownsi<span class=\"_ _1\"></span>de\u2019 scena<span class=\"_ _1\"></span>rios wer<span class=\"_ _1\"></span>e used<span class=\"_ _1\"></span> for all p<span class=\"_ _1\"></span>ortfol<span class=\"_ _1\"></span>ios<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span>\u2022 The \u2018B<span class=\"_ _0\"></span>ase\u2019 Sc<span class=\"_ _0\"></span>enario <span class=\"_ _0\"></span>captures busi<span class=\"_ _0\"></span>ness<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">as</span>-<span class=\"ls7 wsa1\">usual<span class=\"_ _0\"></span> macro<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">economic exp<span class=\"_ _1\"></span>ectati<span class=\"_ _1\"></span>ons,<span class=\"_ _1\"></span> whereby<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>rrent </span></span></span></span>rhythm of econ<span class=\"_ _1\"></span>omic activity i<span class=\"_ _1\"></span>s maintained<span class=\"_ _1\"></span>;<span class=\"ls1 ws1\"> </span>\u2022 The \u2018D<span class=\"_ _0\"></span>ownside\u2019<span class=\"_ _0\"></span> Scenar<span class=\"_ _0\"></span>io is based o<span class=\"_ _0\"></span>n a subdue<span class=\"_ _0\"></span>d leve<span class=\"_ _0\"></span>l of e<span class=\"_ _0\"></span>conomic a<span class=\"_ _0\"></span>ctivity hypot<span class=\"_ _0\"></span>hesized t<span class=\"_ _0\"></span>o cor<span class=\"_ _0\"></span>respon<span class=\"_ _0\"></span>d to prolonged period of<span class=\"_ _0\"></span> an economic c<span class=\"_ _0\"></span>ontraction;<span class=\"ls1\"> </span>\u2022 The \u2018U<span class=\"_ _0\"></span>pside\u2019 Sce<span class=\"_ _0\"></span>nario is bas<span class=\"_ _0\"></span>ed on the<span class=\"_ _0\"></span> assumption tha<span class=\"_ _0\"></span>t it w<span class=\"_ _0\"></span>ould be possi<span class=\"_ _0\"></span>ble to m<span class=\"_ _0\"></span>arginal<span class=\"_ _0\"></span>ly impr<span class=\"_ _0\"></span>ove furthe<span class=\"_ _0\"></span>r over the<span class=\"_ _0\"></span> econom<span class=\"_ _0\"></span>ic conditions con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span>ed in the<span class=\"_ _0\"></span> \u2018Base\u2019 S<span class=\"_ _0\"></span>cenar<span class=\"_ _0\"></span>io.<table class=\"s w1ef h1ae\" id=\"_47ab0b00-c5cd-4b49-86fa-d66497321df9\"><tr><td></td><td></td><td class=\"c x2d6 y1e6d wca hc3\"><div class=\"t m0 xf7 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As of 31 December 2025<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x2d6 y1e6e wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2026<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e6e wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2027<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e6e wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2028 </div></td></tr><tr><td class=\"c x2d9 y1e6f wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Gross Dom<span class=\"_ _1\"></span>estic Produc<span class=\"_ _1\"></span>t, consta<span class=\"_ _1\"></span>nt prices (Y<span class=\"_ _1\"></span>oY)<span class=\"_ _1\"></span>*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e70 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e70 wa5 hc3\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e70 wbc hc3\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e70 wa5 hc3\"><div class=\"t m0 x35 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70% </div></td></tr><tr><td class=\"c x2d9 y1e71 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e71 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e71 wbc hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e71 wa5 hc3\"><div class=\"t m0 xe2 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]% </div></td></tr><tr><td class=\"c x2d9 y1e72 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls2a ws99\">Unemployment rate (Y<span class=\"_ _1\"></span>oY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e73 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e73 wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e73 wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e73 wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8% </div></td></tr><tr><td class=\"c x2d9 y1e74 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e74 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4 - 4.2]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e74 wbc hc3\"><div class=\"t m0 xe9 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4- 4.2]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e74 wa5 hc3\"><div class=\"t m0 xe2 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4\u2013 4.2]% </div></td></tr><tr><td class=\"c x2d9 y1e75 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Infl<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> (YoY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e76 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e76 wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.3%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e76 wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.1%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e76 wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.1% </div></td></tr><tr><td class=\"c x2d9 y1e77 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e77 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.9 - 3.7]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e77 wbc hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.7 - 3.5]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e77 wa5 hc3\"><div class=\"t m0 x84 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.7 \u2013 3.5]% </div></td></tr><tr><td></td><td></td><td class=\"c x2d6 y1e78 wca hd0\"><div class=\"t m0 xf7 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">As of <span class=\"ls1 ws9b\">31 December 2024</span><span class=\"ls1 ws9b\"><span class=\"ws1\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x2d6 y1e79 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e79 wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2026<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e79 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2027 </div></td></tr><tr><td class=\"c x2d9 y1e7a wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Gross Dom<span class=\"_ _1\"></span>estic Produc<span class=\"_ _1\"></span>t, consta<span class=\"_ _1\"></span>nt prices (Y<span class=\"_ _1\"></span>oY)<span class=\"_ _1\"></span>*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e7b wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7b wa5 hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7b wbc hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7b wa5 hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90% </div></td></tr><tr><td class=\"c x2d9 y1e7c wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7c wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7c wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7c wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]% </div></td></tr><tr><td class=\"c x2d9 y1e7d wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls2a ws99\">Unemployment rate (Y<span class=\"_ _1\"></span>oY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e7e wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7e wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7e wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7e wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2% </div></td></tr><tr><td class=\"c x2d9 y1e7f wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7f wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7f wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7f wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]% </div></td></tr><tr><td class=\"c x2d9 y1e80 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Infl<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> (YoY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e81 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e81 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e81 wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e81 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2% </div></td></tr><tr><td class=\"c x2d9 y1e82 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e82 wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e82 wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e82 wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]% </div></td></tr><tr><td class=\"t m0 x2da h13 y1e83 ff1 fs5 fc0 sc0 ls5e ws8a\">*YoY = year on year %<span class=\"_ _1\"></span> change<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td></tr></table>The weightings<span class=\"_ _1\"></span> assigned<span class=\"_ _1\"></span> to each economic s<span class=\"_ _1\"></span>cenario wer<span class=\"_ _1\"></span>e 68% (2024: <span class=\"_ _1\"></span>68%) for the \u2018Bas<span class=\"_ _1\"></span>e\u2019 Scenario,<span class=\"_ _1\"></span> 16% (2024: 16%) for th<span class=\"_ _1\"></span>e \u2018Downs<span class=\"_ _1\"></span>ide\u2019 scenario a<span class=\"_ _1\"></span>nd 16% (2024: 1<span class=\"_ _1\"></span>6%) for the \u2018Ups<span class=\"_ _1\"></span>ide\u2019 scenario<span class=\"_ _1\"></span>. The number o<span class=\"_ _1\"></span>f scenarios used is based on the analysis of e<span class=\"_ _0\"></span>ach major p<span class=\"ls8 ws36\">roduct type t<span class=\"_ _0\"></span>o ensure t<span class=\"_ _0\"></span>hat non<span class=\"ls1 ws1\">-<span class=\"ls6 ws10\">linearities ar<span class=\"_ _1\"></span>e </span></span></span>captu<span class=\"_ _1\"></span>red. Th<span class=\"_ _1\"></span>e nu<span class=\"_ _1\"></span>mber of<span class=\"_ _1\"></span> scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> their a<span class=\"_ _1\"></span>ttrib<span class=\"_ _1\"></span>utes a<span class=\"_ _1\"></span>re reass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> at each<span class=\"_ _1\"></span> rep<span class=\"_ _1\"></span>orti<span class=\"_ _1\"></span>ng dat<span class=\"_ _1\"></span>e. The economic scenar<span class=\"_ _1\"></span>ios were sim<span class=\"_ _1\"></span>ulated ov<span class=\"_ _1\"></span>er a full economic cy<span class=\"_ _1\"></span>cle.<span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs the ma<span class=\"_ _0\"></span>cro<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">econom<span class=\"_ _1\"></span>ic for<span class=\"_ _1\"></span>ecast<span class=\"_ _1\"></span>s to rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span> its b<span class=\"_ _1\"></span>est es<span class=\"_ _1\"></span>timate o<span class=\"_ _1\"></span>f the po<span class=\"_ _1\"></span>ssib<span class=\"_ _1\"></span>le outc<span class=\"_ _1\"></span>omes </span></span>after<span class=\"_ _0\"></span> analysing i<span class=\"_ _0\"></span>ts differ<span class=\"_ _0\"></span>ent portfoli<span class=\"_ _0\"></span>os to establ<span class=\"_ _0\"></span>ish that the c<span class=\"_ _0\"></span>hosen sce<span class=\"_ _0\"></span>narios are appro<span class=\"_ _0\"></span>priatel<span class=\"_ _0\"></span>y repres<span class=\"_ _1\"></span>entat<span class=\"_ _1\"></span>ive of th<span class=\"_ _1\"></span>e range o<span class=\"_ _1\"></span>f po<span class=\"_ _1\"></span>ssib<span class=\"_ _1\"></span>le scena<span class=\"_ _1\"></span>rios<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The Ban<span class=\"_ _1\"></span>k\u2019s weig<span class=\"_ _1\"></span>hting<span class=\"_ _1\"></span>s tak<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>o accou<span class=\"_ _1\"></span>nt th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t perfor<span class=\"_ _1\"></span>mance o<span class=\"_ _1\"></span>f the Ma<span class=\"_ _1\"></span>ltese <span class=\"_ _1\"></span>econ<span class=\"_ _1\"></span>omy ov<span class=\"_ _1\"></span>er the forese<span class=\"_ _0\"></span>eable f<span class=\"_ _0\"></span>uture. The Bo<span class=\"_ _0\"></span>ard considers that<span class=\"_ _0\"></span> the proba<span class=\"_ _0\"></span>bilit<span class=\"_ _0\"></span>y weig<span class=\"_ _0\"></span>htings assig<span class=\"_ _0\"></span>ned to the re<span class=\"_ _0\"></span>spective scenarios refl<span class=\"_ _0\"></span>ect an unbiased evaluation of r<span class=\"_ _0\"></span>ange of possible<span class=\"_ _0\"></span><span class=\"ls1\"> <span class=\"ls5 ws7\">outco<span class=\"_ _1\"></span>mes. <span class=\"_ _1\"></span></span> </span>Based<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e abov<span class=\"_ _1\"></span>e, the <span class=\"_ _1\"></span>estima<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es as<span class=\"_ _1\"></span> of 31 De<span class=\"_ _1\"></span>cemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"_ _1\"></span> <span class=\"ls6 ws7\">and 202</span>4 <span class=\"_ _1\"></span><span class=\"ls8 ws16\">continued </span></span>to req<span class=\"_ _1\"></span>uire an<span class=\"_ _1\"></span> elevated<span class=\"_ _1\"></span> level o<span class=\"_ _1\"></span>f subj<span class=\"_ _1\"></span>ectivi<span class=\"_ _1\"></span>ty and exper<span class=\"_ _1\"></span>t jud<span class=\"_ _1\"></span>gement. Des<span class=\"_ _1\"></span>pite t<span class=\"_ _1\"></span>he reco<span class=\"_ _1\"></span>very i<span class=\"_ _1\"></span>n econo<span class=\"_ _1\"></span>mic conditions, <span class=\"_ _0\"></span>ECL e<span class=\"_ _0\"></span>stimate<span class=\"_ _0\"></span>s remain subje<span class=\"_ _0\"></span>ct to <span class=\"_ _0\"></span>a deg<span class=\"_ _0\"></span>ree of<span class=\"_ _0\"></span> economi<span class=\"_ _0\"></span>c unce<span class=\"_ _0\"></span>rtainty. I<span class=\"_ _0\"></span>n this re<span class=\"_ _0\"></span>spect, j<span class=\"_ _0\"></span>udgem<span class=\"_ _0\"></span>ents applied by<span class=\"_ _0\"></span> manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt in esti<span class=\"_ _0\"></span>mating<span class=\"_ _0\"></span> ECL<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">con<span class=\"_ _1\"></span>tinue t<span class=\"_ _1\"></span>o reflect a<span class=\"_ _1\"></span> degree of cau<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> both in<span class=\"_ _1\"></span> the determina<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> </span></span>of probability of def<span class=\"_ _0\"></span>aults for selection of economic scenarios and in terms of<span class=\"_ _0\"></span> the calibration o<span class=\"ls5 ws35\">f scen<span class=\"_ _1\"></span>ario </span>weightings.<span class=\"_ _bc\"> </span>Other fo<span class=\"_ _1\"></span>rwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7 ws29\">looking considerations not otherwise i<span class=\"_ _0\"></span>ncorporated within the above scenarios, such as the </span></span>impact of any<span class=\"_ _1\"></span> regulatory,<span class=\"_ _1\"></span> legislativ<span class=\"_ _1\"></span>e, or political ch<span class=\"_ _1\"></span>anges, have als<span class=\"_ _1\"></span>o been cons<span class=\"_ _1\"></span>idered, but<span class=\"_ _1\"></span> are not deemed<span class=\"_ _1\"></span> to have a mate<span class=\"_ _0\"></span>rial impact<span class=\"_ _0\"></span> and therefore<span class=\"_ _0\"></span> no ad<span class=\"ls8 ws11\">justment has<span class=\"_ _0\"></span> be<span class=\"_ _0\"></span>en made<span class=\"_ _0\"></span> to the EC<span class=\"_ _0\"></span>L for suc<span class=\"_ _11\"></span>h factors. This i<span class=\"_ _0\"></span>s </span>revie<span class=\"_ _0\"></span>wed and moni<span class=\"_ _0\"></span>tored f<span class=\"_ _0\"></span>or appropri<span class=\"_ _0\"></span>ateness on a<span class=\"_ _0\"></span>n ongoi<span class=\"_ _0\"></span>ng basis.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The out<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>f the Ban<span class=\"_ _1\"></span>k\u2019s c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>ss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces esti<span class=\"_ _1\"></span>mati<span class=\"_ _1\"></span>on pro<span class=\"_ _1\"></span>cess i<span class=\"_ _1\"></span>s sens<span class=\"_ _1\"></span>itive to<span class=\"_ _1\"></span> judg<span class=\"_ _1\"></span>ements a<span class=\"_ _1\"></span>nd estima<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> made th<span class=\"_ _1\"></span>roug<span class=\"_ _1\"></span>h the refl<span class=\"_ _1\"></span>ectio<span class=\"_ _1\"></span>n of sev<span class=\"_ _1\"></span>eral for<span class=\"_ _1\"></span>ward<span class=\"ls1 ws1\">-<span class=\"ls7 ws5e\">looking economic conditions. Management has<span class=\"_ _0\"></span> </span></span>ass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> the sen<span class=\"_ _1\"></span>sitiv<span class=\"_ _1\"></span>ity of th<span class=\"_ _1\"></span>e Bank<span class=\"_ _1\"></span>\u2019s exp<span class=\"_ _1\"></span>ected cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\"> <span class=\"ls6 ws1d\">loss<span class=\"_ _1\"></span>es by as<span class=\"_ _1\"></span>signing a 100% weigh<span class=\"_ _1\"></span>ting to<span class=\"_ _1\"></span> the baselin<span class=\"_ _1\"></span>e, </span></span>downside a<span class=\"_ _0\"></span>nd upside sc<span class=\"_ _0\"></span>enari<span class=\"_ _0\"></span>os re<span class=\"_ _0\"></span>spective<span class=\"_ _0\"></span>ly. The<span class=\"_ _0\"></span> Bank\u2019s c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>s would <span class=\"_ _0\"></span>decre<span class=\"_ _0\"></span>ase by \u20ac2<span class=\"_ _0\"></span>.6 million (2024: \u20ac3.2 millio<span class=\"_ _1\"></span>n) if the allo<span class=\"_ _1\"></span>wances had to be calculated s<span class=\"_ _1\"></span>olely on the baseline s<span class=\"_ _1\"></span>cenario;<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls24 ws9\">ECLs </span></span>would increas<span class=\"_ _1\"></span>e by \u20ac0.8 m<span class=\"_ _1\"></span>illion<span class=\"_ _1\"></span> (2024: \u20ac1.1 mil<span class=\"_ _1\"></span>lion) if th<span class=\"_ _1\"></span>ese had<span class=\"_ _1\"></span> to be estimated u<span class=\"_ _1\"></span>sing o<span class=\"_ _1\"></span>nly the do<span class=\"_ _1\"></span>wnside scenario an<span class=\"_ _1\"></span>d would redu<span class=\"_ _1\"></span>ce by \u20ac4.0 million (2024: \u20ac<span class=\"_ _1\"></span>4.6 millio<span class=\"_ _1\"></span>n) if the ups<span class=\"_ _1\"></span>ide scenario o<span class=\"_ _1\"></span>nly were to be taken into conside<span class=\"_ _0\"></span>ration.<span class=\"_ _0\"></span> This dem<span class=\"_ _0\"></span>onstrates<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls6 ws52\">the Bank\u2019s res<span class=\"_ _1\"></span>ilience in ov<span class=\"_ _1\"></span>ercoming negat<span class=\"_ _1\"></span>ive shocks<span class=\"_ _1\"></span> and its<span class=\"_ _1\"></span> ability to<span class=\"_ _1\"></span> </span></span>absorb such a<span class=\"_ _0\"></span>llowanc<span class=\"_ _0\"></span>e chang<span class=\"_ _0\"></span>es, if<span class=\"_ _0\"></span> nece<span class=\"_ _0\"></span>ssary.<span class=\"ls1 ws1\"> </span>2.3.4.5 C<span class=\"_ _0\"></span>ategorisation of loans and advances to cu<span class=\"_ _0\"></span>stomers for<span class=\"_ _0\"></span> ECL measureme<span class=\"_ _0\"></span>nt<span class=\"ls1\"> </span>As pa<span class=\"_ _1\"></span>rt of th<span class=\"_ _1\"></span>e ECL mod<span class=\"_ _1\"></span>el, th<span class=\"_ _1\"></span>e Grou<span class=\"_ _1\"></span>p clas<span class=\"_ _1\"></span>sifies<span class=\"_ _1\"></span> its exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res to l<span class=\"_ _1\"></span>oans<span class=\"_ _1\"></span> and a<span class=\"_ _1\"></span>dvances<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers i<span class=\"_ _1\"></span>nto<span class=\"_ _1\"></span> homogeneous<span class=\"_ _1\"></span> groups with<span class=\"_ _1\"></span> similar cr<span class=\"_ _1\"></span>edit risk cha<span class=\"_ _1\"></span>racteristics th<span class=\"_ _1\"></span>at includ<span class=\"_ _1\"></span>e instrument ty<span class=\"_ _1\"></span>pe and credit ris<span class=\"_ _1\"></span>k gradings.<span class=\"_ _0\"></span> In this r<span class=\"_ _0\"></span>espect<span class=\"_ _0\"></span>, the G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs the<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">following<span class=\"_ _1\"></span> catego<span class=\"_ _1\"></span>ries fo<span class=\"_ _1\"></span>r ECL <span class=\"_ _1\"></span>measur<span class=\"_ _1\"></span>ement:</span> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws18\">personal po<span class=\"_ _0\"></span>rtfoli<span class=\"_ _0\"></span>o, whic<span class=\"_ _0\"></span>h includes loans and a<span class=\"_ _0\"></span>dvances to i<span class=\"_ _0\"></span>ndividual<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs such as mor<span class=\"_ _0\"></span>tgage<span class=\"_ _0\"></span>s, credi<span class=\"_ _0\"></span>t </span>cards and ot<span class=\"_ _0\"></span>her co<span class=\"_ _0\"></span>nsumer c<span class=\"_ _0\"></span>redit;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsb\">construct<span class=\"_ _0\"></span>ion and rea<span class=\"_ _0\"></span>l estate<span class=\"_ _0\"></span> port<span class=\"_ _0\"></span>folio, w<span class=\"_ _0\"></span>hich inc<span class=\"_ _0\"></span>ludes lo<span class=\"_ _0\"></span>ans and advance<span class=\"_ _0\"></span>s to cu<span class=\"_ _0\"></span>stomer<span class=\"_ _0\"></span>s in respe<span class=\"_ _0\"></span>ct of </span>financi<span class=\"_ _0\"></span>ng construc<span class=\"_ _0\"></span>tion of r<span class=\"_ _0\"></span>eal e<span class=\"_ _0\"></span>state proj<span class=\"_ _0\"></span>ects f<span class=\"_ _0\"></span>or the purpo<span class=\"_ _0\"></span>se of<span class=\"_ _0\"></span> re<span class=\"ls1 ws1\">-<span class=\"ls7\">sale or re<span class=\"_ _0\"></span>ntal; and<span class=\"ls1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws53\">corpora<span class=\"_ _0\"></span>te and com<span class=\"_ _0\"></span>mer<span class=\"_ _0\"></span>cial portf<span class=\"_ _0\"></span>olio, w<span class=\"_ _0\"></span>hich incl<span class=\"_ _0\"></span>udes loans a<span class=\"_ _0\"></span>nd advanc<span class=\"_ _0\"></span>es to b<span class=\"_ _0\"></span>usiness e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es, othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n </span>construction and real estate<span class=\"_ _0\"></span> rel<span class=\"_ _0\"></span>ated borrower<span class=\"_ _0\"></span>s. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-449": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs8b\">1.4A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _8a\"> </span></span><span class=\"ls5 ws6\">Tra<span class=\"_ _1\"></span>de and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> receivab<span class=\"_ _1\"></span>les<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gs8c\">Trade rec<span class=\"_ _1\"></span>eiva<span class=\"_ _1\"></span>bles a<span class=\"_ _1\"></span>re amoun<span class=\"_ _1\"></span>ts d<span class=\"_ _1\"></span>ue from cu<span class=\"_ _1\"></span>stomers<span class=\"_ _1\"></span> for merch<span class=\"_ _1\"></span>and<span class=\"_ _1\"></span>ise so<span class=\"_ _1\"></span>ld or serv<span class=\"_ _1\"></span>ices perfo<span class=\"_ _1\"></span>rmed in<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs8d\">ordinary co<span class=\"_ _0\"></span>urse of busi<span class=\"_ _11\"></span>ness. If coll<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>on is expect<span class=\"_ _0\"></span>ed in one year<span class=\"_ _0\"></span> or less (<span class=\"_ _0\"></span>or in the<span class=\"_ _0\"></span> normal ope<span class=\"_ _0\"></span>rating<span class=\"_ _0\"></span> cycle<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs8e\">of the b<span class=\"_ _1\"></span>usin<span class=\"_ _1\"></span>ess i<span class=\"_ _1\"></span>f longer),<span class=\"_ _1\"></span> they a<span class=\"_ _1\"></span>re clas<span class=\"_ _1\"></span>sified <span class=\"ls8 ws17\">as current asset<span class=\"_ _0\"></span>s. If not, the<span class=\"_ _0\"></span>y are pr<span class=\"_ _0\"></span>esented as non<span class=\"ls1 ws1\">-<span class=\"lsa ws24\">curre<span class=\"_ _0\"></span>nt </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws8b gs8f\">assets.<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs91\">Trade<span class=\"_ _0\"></span> and other rec<span class=\"_ _0\"></span>eivable<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>ognised init<span class=\"_ _0\"></span>ially at f<span class=\"_ _0\"></span>air value and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amort<span class=\"_ _0\"></span>ised </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws68 gs92\">cost<span class=\"_ _1\"></span> usin<span class=\"_ _1\"></span>g the ef<span class=\"_ _1\"></span>fective<span class=\"_ _1\"></span> inter<span class=\"_ _1\"></span>est met<span class=\"_ _1\"></span>hod,<span class=\"_ _1\"></span> less ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> c<span class=\"_ _1\"></span>redit l<span class=\"_ _1\"></span>oss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces. <span class=\"_ _1\"></span>Credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nces </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws55 gs93\">include sp<span class=\"_ _1\"></span>ecific prov<span class=\"_ _1\"></span>isions for i<span class=\"_ _1\"></span>mpairment aga<span class=\"_ _1\"></span>i<span class=\"ls8 ws67\">nst cre<span class=\"_ _0\"></span>dit impaire<span class=\"_ _0\"></span>d individual<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s when t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs94\">objective evid<span class=\"_ _1\"></span>ence that the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> will not be able to<span class=\"_ _1\"></span> collect all amo<span class=\"_ _1\"></span>unts du<span class=\"_ _1\"></span>e according to<span class=\"_ _1\"></span> the original ter<span class=\"_ _1\"></span>ms </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs95\">of the receiva<span class=\"_ _1\"></span>bles. Signif<span class=\"_ _1\"></span>icant fin<span class=\"_ _1\"></span>ancial difficu<span class=\"_ _1\"></span>lties of the <span class=\"_ _1\"></span>debtor, p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> that the <span class=\"ls5 ws28\">deb<span class=\"_ _1\"></span>tor will en<span class=\"_ _1\"></span>ter </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs96\">bankruptcy or f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al reor<span class=\"_ _0\"></span>ganisatio<span class=\"_ _0\"></span>n, and de<span class=\"_ _0\"></span>fault or<span class=\"_ _0\"></span> delinque<span class=\"_ _0\"></span>ncy in paym<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>ndicators </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gs97\">that the e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span> is cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>mpair<span class=\"_ _0\"></span>ed. For<span class=\"_ _0\"></span> trade and ot<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span> rece<span class=\"_ _0\"></span>ivables t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up applie<span class=\"_ _0\"></span>s the sim<span class=\"_ _0\"></span>plifi<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs98\">approach pe<span class=\"_ _0\"></span>rmitte<span class=\"_ _0\"></span>d by the <span class=\"_ _0\"></span>prov<span class=\"ls6 ws1f\">isions of IFRS 9 which requ<span class=\"_ _1\"></span>ires expected lifetim<span class=\"_ _1\"></span>e losses to b<span class=\"_ _1\"></span>e recognised </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs99\">from initial recogn<span class=\"_ _1\"></span>ition of the receivab<span class=\"_ _1\"></span>les. Note 2.3.4 p<span class=\"_ _1\"></span>rovid<span class=\"_ _1\"></span>es more detail on h<span class=\"_ _1\"></span>ow lifetime losses<span class=\"_ _1\"></span> are </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs9a\">measu<span class=\"_ _1\"></span>red. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs9b\">The c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _0\"></span> of the asse<span class=\"_ _0\"></span>t is re<span class=\"_ _0\"></span>duced throug<span class=\"_ _0\"></span>h the us<span class=\"_ _0\"></span>e of an a<span class=\"_ _0\"></span>llowance<span class=\"_ _0\"></span> account, and t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws61 gs9c\">the loss<span class=\"_ _1\"></span> is recognised in p<span class=\"_ _1\"></span>rofit or loss.  When a receivable is<span class=\"_ _1\"></span> uncollectible, it<span class=\"_ _1\"></span> is written off again<span class=\"_ _1\"></span>st the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws29 gs9d\">allowance ac<span class=\"_ _0\"></span>count for trade a<span class=\"_ _0\"></span>nd other rece<span class=\"_ _0\"></span>iv<span class=\"ls5 ws2a\">ables.<span class=\"_ _1\"></span>  Subsequen<span class=\"_ _1\"></span>t recov<span class=\"_ _1\"></span>eries o<span class=\"_ _1\"></span>f amoun<span class=\"_ _1\"></span>ts previou<span class=\"_ _1\"></span>sly wr<span class=\"_ _1\"></span>itten </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs9e\">off are cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ed in p<span class=\"_ _1\"></span>rofit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLoansAndReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-545": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.4A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _8a\"> </span></span><span class=\"ls5 ws6\">Tra<span class=\"_ _1\"></span>de and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> receivab<span class=\"_ _1\"></span>les<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Trade rec<span class=\"_ _1\"></span>eiva<span class=\"_ _1\"></span>bles a<span class=\"_ _1\"></span>re amoun<span class=\"_ _1\"></span>ts d<span class=\"_ _1\"></span>ue from cu<span class=\"_ _1\"></span>stomers<span class=\"_ _1\"></span> for merch<span class=\"_ _1\"></span>and<span class=\"_ _1\"></span>ise so<span class=\"_ _1\"></span>ld or serv<span class=\"_ _1\"></span>ices perfo<span class=\"_ _1\"></span>rmed in<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> ordinary co<span class=\"_ _0\"></span>urse of busi<span class=\"_ _11\"></span>ness. If coll<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>on is expect<span class=\"_ _0\"></span>ed in one year<span class=\"_ _0\"></span> or less (<span class=\"_ _0\"></span>or in the<span class=\"_ _0\"></span> normal ope<span class=\"_ _0\"></span>rating<span class=\"_ _0\"></span> cycle<span class=\"_ _0\"></span> of the b<span class=\"_ _1\"></span>usin<span class=\"_ _1\"></span>ess i<span class=\"_ _1\"></span>f longer),<span class=\"_ _1\"></span> they a<span class=\"_ _1\"></span>re clas<span class=\"_ _1\"></span>sified <span class=\"ls8 ws17\">as current asset<span class=\"_ _0\"></span>s. If not, the<span class=\"_ _0\"></span>y are pr<span class=\"_ _0\"></span>esented as non<span class=\"ls1 ws1\">-<span class=\"lsa ws24\">curre<span class=\"_ _0\"></span>nt </span></span></span>assets.<span class=\"_ _0\"></span> Trade<span class=\"_ _0\"></span> and other rec<span class=\"_ _0\"></span>eivable<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>ognised init<span class=\"_ _0\"></span>ially at f<span class=\"_ _0\"></span>air value and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amort<span class=\"_ _0\"></span>ised cost<span class=\"_ _1\"></span> usin<span class=\"_ _1\"></span>g the ef<span class=\"_ _1\"></span>fective<span class=\"_ _1\"></span> inter<span class=\"_ _1\"></span>est met<span class=\"_ _1\"></span>hod,<span class=\"_ _1\"></span> less ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> c<span class=\"_ _1\"></span>redit l<span class=\"_ _1\"></span>oss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces. <span class=\"_ _1\"></span>Credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nces include sp<span class=\"_ _1\"></span>ecific prov<span class=\"_ _1\"></span>isions for i<span class=\"_ _1\"></span>mpairment aga<span class=\"_ _1\"></span>i<span class=\"ls8 ws67\">nst cre<span class=\"_ _0\"></span>dit impaire<span class=\"_ _0\"></span>d individual<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s when t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s </span>objective evid<span class=\"_ _1\"></span>ence that the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> will not be able to<span class=\"_ _1\"></span> collect all amo<span class=\"_ _1\"></span>unts du<span class=\"_ _1\"></span>e according to<span class=\"_ _1\"></span> the original ter<span class=\"_ _1\"></span>ms of the receiva<span class=\"_ _1\"></span>bles. Signif<span class=\"_ _1\"></span>icant fin<span class=\"_ _1\"></span>ancial difficu<span class=\"_ _1\"></span>lties of the <span class=\"_ _1\"></span>debtor, p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> that the <span class=\"ls5 ws28\">deb<span class=\"_ _1\"></span>tor will en<span class=\"_ _1\"></span>ter </span>bankruptcy or f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al reor<span class=\"_ _0\"></span>ganisatio<span class=\"_ _0\"></span>n, and de<span class=\"_ _0\"></span>fault or<span class=\"_ _0\"></span> delinque<span class=\"_ _0\"></span>ncy in paym<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>ndicators that the e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span> is cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>mpair<span class=\"_ _0\"></span>ed. For<span class=\"_ _0\"></span> trade and ot<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span> rece<span class=\"_ _0\"></span>ivables t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up applie<span class=\"_ _0\"></span>s the sim<span class=\"_ _0\"></span>plifi<span class=\"_ _0\"></span>ed approach pe<span class=\"_ _0\"></span>rmitte<span class=\"_ _0\"></span>d by the <span class=\"_ _0\"></span>prov<span class=\"ls6 ws1f\">isions of IFRS 9 which requ<span class=\"_ _1\"></span>ires expected lifetim<span class=\"_ _1\"></span>e losses to b<span class=\"_ _1\"></span>e recognised </span>from initial recogn<span class=\"_ _1\"></span>ition of the receivab<span class=\"_ _1\"></span>les. Note 2.3.4 p<span class=\"_ _1\"></span>rovid<span class=\"_ _1\"></span>es more detail on h<span class=\"_ _1\"></span>ow lifetime losses<span class=\"_ _1\"></span> are measu<span class=\"_ _1\"></span>red. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _0\"></span> of the asse<span class=\"_ _0\"></span>t is re<span class=\"_ _0\"></span>duced throug<span class=\"_ _0\"></span>h the us<span class=\"_ _0\"></span>e of an a<span class=\"_ _0\"></span>llowance<span class=\"_ _0\"></span> account, and t<span class=\"_ _0\"></span>he amount<span class=\"_ _0\"></span> of the loss<span class=\"_ _1\"></span> is recognised in p<span class=\"_ _1\"></span>rofit or loss.  When a receivable is<span class=\"_ _1\"></span> uncollectible, it<span class=\"_ _1\"></span> is written off again<span class=\"_ _1\"></span>st the allowance ac<span class=\"_ _0\"></span>count for trade a<span class=\"_ _0\"></span>nd other rece<span class=\"_ _0\"></span>iv<span class=\"ls5 ws2a\">ables.<span class=\"_ _1\"></span>  Subsequen<span class=\"_ _1\"></span>t recov<span class=\"_ _1\"></span>eries o<span class=\"_ _1\"></span>f amoun<span class=\"_ _1\"></span>ts previou<span class=\"_ _1\"></span>sly wr<span class=\"_ _1\"></span>itten </span>off are cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ed in p<span class=\"_ _1\"></span>rofit or<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-528": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.4B<span class=\"ff5 ls1 ws1\"> <span class=\"_ _52\"> </span></span><span class=\"ls8 wsa\">Cash and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>valents<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>Cash and cash e<span class=\"_ _0\"></span>quivale<span class=\"_ _0\"></span>nts ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied in t<span class=\"_ _0\"></span>he stateme<span class=\"_ _0\"></span>nt of financ<span class=\"_ _0\"></span>ial positi<span class=\"_ _0\"></span>on at fac<span class=\"_ _0\"></span>e value<span class=\"_ _0\"></span> less expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d credit<span class=\"_ _0\"></span> loss allow<span class=\"_ _0\"></span>ance.<span class=\"_ _0\"></span> Cash and cash e<span class=\"_ _0\"></span>quivalents c<span class=\"_ _0\"></span>omprise<span class=\"_ _0\"></span> bala<span class=\"_ _0\"></span>nces wi<span class=\"_ _0\"></span>th less than t<span class=\"_ _0\"></span>hree m<span class=\"_ _0\"></span>onths\u2019 matur<span class=\"_ _0\"></span>ity from the date of acq<span class=\"_ _1\"></span>uisition, includ<span class=\"_ _1\"></span>ing cash i<span class=\"ls8 ws2d\">n hand, de<span class=\"_ _0\"></span>posits he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t call<span class=\"_ _0\"></span> with ba<span class=\"_ _0\"></span>nks<span class=\"_ _0\"></span> and <span class=\"_ _0\"></span>other short<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span></span>highly liq<span class=\"_ _1\"></span>uid inves<span class=\"_ _1\"></span>tments with original ma<span class=\"_ _1\"></span>turities of th<span class=\"_ _1\"></span>ree month<span class=\"_ _1\"></span>s or less<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-479": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gsa0\">1.4B<span class=\"ff5 ls1 ws1\"> <span class=\"_ _52\"> </span></span><span class=\"ls8 wsa\">Cash and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>valents<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gsa1\">Cash and cash e<span class=\"_ _0\"></span>quivale<span class=\"_ _0\"></span>nts ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied in t<span class=\"_ _0\"></span>he stateme<span class=\"_ _0\"></span>nt of financ<span class=\"_ _0\"></span>ial positi<span class=\"_ _0\"></span>on at fac<span class=\"_ _0\"></span>e value<span class=\"_ _0\"></span> less expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gsa2\">credit<span class=\"_ _0\"></span> loss allow<span class=\"_ _0\"></span>ance.<span class=\"_ _0\"></span> Cash and cash e<span class=\"_ _0\"></span>quivalents c<span class=\"_ _0\"></span>omprise<span class=\"_ _0\"></span> bala<span class=\"_ _0\"></span>nces wi<span class=\"_ _0\"></span>th less than t<span class=\"_ _0\"></span>hree m<span class=\"_ _0\"></span>onths\u2019 matur<span class=\"_ _0\"></span>ity </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gsa3\">from the date of acq<span class=\"_ _1\"></span>uisition, includ<span class=\"_ _1\"></span>ing cash i<span class=\"ls8 ws2d\">n hand, de<span class=\"_ _0\"></span>posits he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t call<span class=\"_ _0\"></span> with ba<span class=\"_ _0\"></span>nks<span class=\"_ _0\"></span> and <span class=\"_ _0\"></span>other short<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gsa4\">highly liq<span class=\"_ _1\"></span>uid inves<span class=\"_ _1\"></span>tments with original ma<span class=\"_ _1\"></span>turities of th<span class=\"_ _1\"></span>ree month<span class=\"_ _1\"></span>s or less<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-10": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span>1.4.5 <span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span></span><span class=\"ws7\">Dere<span class=\"_ _1\"></span>cognition of fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets (other th<span class=\"_ _1\"></span>an on a mod<span class=\"_ _1\"></span>ification)<span class=\"ls1 ws1\"> </span></span>Financial a<span class=\"_ _1\"></span>ssets, or a portio<span class=\"_ _1\"></span>n thereof, are derecognised<span class=\"_ _1\"></span> when the contra<span class=\"_ _1\"></span>ctual rights to receive the cash<span class=\"_ _1\"></span> flows fr<span class=\"_ _1\"></span>om th<span class=\"_ _1\"></span>e as<span class=\"_ _1\"></span>sets h<span class=\"_ _1\"></span>ave ex<span class=\"_ _1\"></span>pired<span class=\"_ _1\"></span>, or wh<span class=\"_ _1\"></span>en th<span class=\"_ _1\"></span>ey hav<span class=\"_ _1\"></span>e been<span class=\"_ _1\"></span> tran<span class=\"_ _1\"></span>sferred<span class=\"_ _1\"></span> and eit<span class=\"_ _1\"></span>her (<span class=\"_ _1\"></span>i) th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> trans<span class=\"_ _1\"></span>fers<span class=\"_ _1\"></span> substantial<span class=\"_ _0\"></span>ly all the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>wards of<span class=\"_ _0\"></span> owner<span class=\"_ _0\"></span>ship, or (i<span class=\"_ _0\"></span>i) the<span class=\"_ _0\"></span> Group nei<span class=\"_ _0\"></span>ther tr<span class=\"_ _0\"></span>ansfer<span class=\"_ _0\"></span>s nor retai<span class=\"_ _0\"></span>ns substantial<span class=\"_ _0\"></span>ly all the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>wards of<span class=\"_ _0\"></span> owner<span class=\"_ _0\"></span>ship and the G<span class=\"_ _0\"></span>roup has not re<span class=\"_ _0\"></span>tained c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol.<span class=\"_ _bc\"> </span>1.11<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _9e\"> </span></span></span><span class=\"ws7\">Financial lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>1.11.3<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws8\">Derecognition<span class=\"ls1 ws1\"> </span></span></span></span>The Group derecogni<span class=\"_ _1\"></span>ses a fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ty from its st<span class=\"_ _1\"></span>atement of financial pos<span class=\"_ _1\"></span>ition when th<span class=\"_ _1\"></span>e obligation specified in th<span class=\"_ _1\"></span>e contract or a<span class=\"_ _1\"></span>rrangement is dis<span class=\"_ _1\"></span>charged, is<span class=\"_ _1\"></span> cancelled or expir<span class=\"_ _1\"></span>es.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-450": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gsad\">1.6      Intangib<span class=\"_ _1\"></span>le assets<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsaf\">1.6.2   Co<span class=\"_ _1\"></span>mputer s<span class=\"_ _1\"></span>oft<span class=\"_ _1\"></span>ware<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gsb0\">Costs incur<span class=\"_ _0\"></span>red to ac<span class=\"_ _0\"></span>quire and<span class=\"_ _0\"></span> bring t<span class=\"_ _0\"></span>o use spe<span class=\"_ _0\"></span>cifi<span class=\"_ _0\"></span>c softw<span class=\"_ _0\"></span>are are<span class=\"_ _0\"></span> capitali<span class=\"_ _0\"></span>sed and amo<span class=\"_ _0\"></span>rtised on the<span class=\"_ _0\"></span> basis o<span class=\"_ _0\"></span>f<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsb1\">the exp<span class=\"_ _1\"></span>ected u<span class=\"_ _1\"></span>seful li<span class=\"_ _1\"></span>ves. So<span class=\"_ _1\"></span>ft<span class=\"_ _1\"></span>ware has<span class=\"_ _1\"></span> a maxi<span class=\"_ _1\"></span>mum exp<span class=\"_ _1\"></span>ecte<span class=\"_ _1\"></span>d us<span class=\"_ _1\"></span>eful life of fo<span class=\"_ _1\"></span>ur yea<span class=\"_ _1\"></span>rs.  </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-540": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.6      Intangib<span class=\"_ _1\"></span>le assets<span class=\"ls1 ws1\"> </span>1.6.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws7\">Go<span class=\"_ _1\"></span>odwill<span class=\"_ _1\"></span></span> </span>Goodwi<span class=\"_ _1\"></span>ll repres<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> the exces<span class=\"_ _1\"></span>s o<span class=\"_ _1\"></span>f the cost of a<span class=\"_ _1\"></span>n acquis<span class=\"_ _1\"></span>ition ov<span class=\"_ _1\"></span>er the fai<span class=\"_ _1\"></span>r value of t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span>\u2019s sha<span class=\"_ _1\"></span>re of the identifiable n<span class=\"_ _1\"></span>et assets o<span class=\"_ _1\"></span>f the acquired subsid<span class=\"_ _1\"></span>iary at the date of acquis<span class=\"_ _1\"></span>ition. Goodwill on acq<span class=\"_ _1\"></span>uisitions of subs<span class=\"_ _1\"></span>idiaries is inclu<span class=\"_ _1\"></span>ded in \u2018intangib<span class=\"_ _1\"></span>le <span class=\"lse ws8b\">assets\u2019<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span>Goodwill is tes<span class=\"_ _1\"></span>ted annua<span class=\"_ _1\"></span>lly for impair<span class=\"_ _1\"></span>ment and carri<span class=\"_ _1\"></span>ed at cos<span class=\"_ _1\"></span>t less accumu<span class=\"_ _1\"></span>lated impa<span class=\"_ _1\"></span>irment losses<span class=\"_ _1\"></span>. Impairm<span class=\"_ _0\"></span>ent lo<span class=\"_ _0\"></span>sses on g<span class=\"_ _0\"></span>oodwill<span class=\"_ _0\"></span> are not<span class=\"_ _0\"></span> reve<span class=\"_ _0\"></span>rsed. G<span class=\"_ _0\"></span>ains a<span class=\"_ _0\"></span>nd losse<span class=\"_ _0\"></span>s on the<span class=\"_ _0\"></span> dispo<span class=\"_ _0\"></span>sal of<span class=\"_ _0\"></span> an e<span class=\"_ _0\"></span>ntity inc<span class=\"_ _0\"></span>lude <span class=\"_ _0\"></span>the carrying amou<span class=\"_ _1\"></span>nt of goodwill r<span class=\"_ _1\"></span>elating to<span class=\"_ _1\"></span> the entity <span class=\"ws8\">s<span class=\"_ _1\"></span>old. <span class=\"ls1 ws1\"> </span></span>Goodwill is allo<span class=\"_ _1\"></span>cated to cas<span class=\"_ _1\"></span>h<span class=\"ls1 ws1\">-</span>generating unit<span class=\"_ _1\"></span>s for the purpose of impa<span class=\"_ _1\"></span>irment testing. The a<span class=\"_ _1\"></span>llocation<span class=\"_ _1\"></span> is made to those cash<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">generating unit<span class=\"_ _1\"></span>s or gro<span class=\"_ _1\"></span>ups of cas<span class=\"_ _1\"></span>h</span>-<span class=\"ls8 wsb\">generati<span class=\"_ _0\"></span>ng units that a<span class=\"_ _0\"></span>re ex<span class=\"_ _0\"></span>pected to bene<span class=\"_ _0\"></span>fit from the </span></span>busin<span class=\"_ _1\"></span>ess combina<span class=\"_ _1\"></span>tion in which the goo<span class=\"_ _1\"></span>dwill arose, id<span class=\"_ _1\"></span>entified acco<span class=\"_ _1\"></span>rding to op<span class=\"_ _1\"></span>erating segment<span class=\"_ _1\"></span>.  A cash<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>gener<span class=\"_ _0\"></span>ating unit<span class=\"_ _0\"></span> to which goodwi<span class=\"_ _0\"></span>ll has bee<span class=\"_ _0\"></span>n alloc<span class=\"_ _0\"></span>ated is tested fo<span class=\"_ _0\"></span>r impai<span class=\"_ _0\"></span>rment annuall<span class=\"_ _0\"></span>y, and whene<span class=\"_ _0\"></span>ver there<span class=\"_ _0\"></span> is an indicat<span class=\"_ _0\"></span>ion that the<span class=\"_ _0\"></span> unit may be impai<span class=\"_ _0\"></span>red by com<span class=\"_ _0\"></span>paring the c<span class=\"_ _0\"></span>arrying<span class=\"_ _0\"></span> amount of the unit<span class=\"_ _0\"></span><span class=\"ls6 ws2e\">, includin<span class=\"_ _1\"></span>g </span>the go<span class=\"_ _1\"></span>odwill,<span class=\"_ _1\"></span> with th<span class=\"_ _1\"></span>e recover<span class=\"_ _1\"></span>ab<span class=\"_ _1\"></span>le amoun<span class=\"_ _1\"></span>t of th<span class=\"_ _1\"></span>e unit<span class=\"_ _1\"></span>.  The recov<span class=\"_ _1\"></span>erable a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e higher<span class=\"_ _1\"></span> of fair v<span class=\"_ _1\"></span>alue<span class=\"_ _1\"></span> less c<span class=\"_ _0\"></span>osts to<span class=\"_ _0\"></span> sell<span class=\"_ _0\"></span> and val<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>n use<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-535": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.6      Intangib<span class=\"_ _1\"></span>le assets<span class=\"ls1 ws1\"> </span>1.6.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws7\">Go<span class=\"_ _1\"></span>odwill<span class=\"_ _1\"></span></span> </span>Goodwi<span class=\"_ _1\"></span>ll repres<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> the exces<span class=\"_ _1\"></span>s o<span class=\"_ _1\"></span>f the cost of a<span class=\"_ _1\"></span>n acquis<span class=\"_ _1\"></span>ition ov<span class=\"_ _1\"></span>er the fai<span class=\"_ _1\"></span>r value of t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span>\u2019s sha<span class=\"_ _1\"></span>re of the identifiable n<span class=\"_ _1\"></span>et assets o<span class=\"_ _1\"></span>f the acquired subsid<span class=\"_ _1\"></span>iary at the date of acquis<span class=\"_ _1\"></span>ition. Goodwill on acq<span class=\"_ _1\"></span>uisitions of subs<span class=\"_ _1\"></span>idiaries is inclu<span class=\"_ _1\"></span>ded in \u2018intangib<span class=\"_ _1\"></span>le <span class=\"lse ws8b\">assets\u2019<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span>Goodwill is tes<span class=\"_ _1\"></span>ted annua<span class=\"_ _1\"></span>lly for impair<span class=\"_ _1\"></span>ment and carri<span class=\"_ _1\"></span>ed at cos<span class=\"_ _1\"></span>t less accumu<span class=\"_ _1\"></span>lated impa<span class=\"_ _1\"></span>irment losses<span class=\"_ _1\"></span>. Impairm<span class=\"_ _0\"></span>ent lo<span class=\"_ _0\"></span>sses on g<span class=\"_ _0\"></span>oodwill<span class=\"_ _0\"></span> are not<span class=\"_ _0\"></span> reve<span class=\"_ _0\"></span>rsed. G<span class=\"_ _0\"></span>ains a<span class=\"_ _0\"></span>nd losse<span class=\"_ _0\"></span>s on the<span class=\"_ _0\"></span> dispo<span class=\"_ _0\"></span>sal of<span class=\"_ _0\"></span> an e<span class=\"_ _0\"></span>ntity inc<span class=\"_ _0\"></span>lude <span class=\"_ _0\"></span>the carrying amou<span class=\"_ _1\"></span>nt of goodwill r<span class=\"_ _1\"></span>elating to<span class=\"_ _1\"></span> the entity <span class=\"ws8\">s<span class=\"_ _1\"></span>old. <span class=\"ls1 ws1\"> </span></span>Goodwill is allo<span class=\"_ _1\"></span>cated to cas<span class=\"_ _1\"></span>h<span class=\"ls1 ws1\">-</span>generating unit<span class=\"_ _1\"></span>s for the purpose of impa<span class=\"_ _1\"></span>irment testing. The a<span class=\"_ _1\"></span>llocation<span class=\"_ _1\"></span> is made to those cash<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">generating unit<span class=\"_ _1\"></span>s or gro<span class=\"_ _1\"></span>ups of cas<span class=\"_ _1\"></span>h</span>-<span class=\"ls8 wsb\">generati<span class=\"_ _0\"></span>ng units that a<span class=\"_ _0\"></span>re ex<span class=\"_ _0\"></span>pected to bene<span class=\"_ _0\"></span>fit from the </span></span>busin<span class=\"_ _1\"></span>ess combina<span class=\"_ _1\"></span>tion in which the goo<span class=\"_ _1\"></span>dwill arose, id<span class=\"_ _1\"></span>entified acco<span class=\"_ _1\"></span>rding to op<span class=\"_ _1\"></span>erating segment<span class=\"_ _1\"></span>.  A cash<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>gener<span class=\"_ _0\"></span>ating unit<span class=\"_ _0\"></span> to which goodwi<span class=\"_ _0\"></span>ll has bee<span class=\"_ _0\"></span>n alloc<span class=\"_ _0\"></span>ated is tested fo<span class=\"_ _0\"></span>r impai<span class=\"_ _0\"></span>rment annuall<span class=\"_ _0\"></span>y, and whene<span class=\"_ _0\"></span>ver there<span class=\"_ _0\"></span> is an indicat<span class=\"_ _0\"></span>ion that the<span class=\"_ _0\"></span> unit may be impai<span class=\"_ _0\"></span>red by com<span class=\"_ _0\"></span>paring the c<span class=\"_ _0\"></span>arrying<span class=\"_ _0\"></span> amount of the unit<span class=\"_ _0\"></span><span class=\"ls6 ws2e\">, includin<span class=\"_ _1\"></span>g </span>the go<span class=\"_ _1\"></span>odwill,<span class=\"_ _1\"></span> with th<span class=\"_ _1\"></span>e recover<span class=\"_ _1\"></span>ab<span class=\"_ _1\"></span>le amoun<span class=\"_ _1\"></span>t of th<span class=\"_ _1\"></span>e unit<span class=\"_ _1\"></span>.  The recov<span class=\"_ _1\"></span>erable a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e higher<span class=\"_ _1\"></span> of fair v<span class=\"_ _1\"></span>alue<span class=\"_ _1\"></span> less c<span class=\"_ _0\"></span>osts to<span class=\"_ _0\"></span> sell<span class=\"_ _0\"></span> and val<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>n use<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>1.6.2   Co<span class=\"_ _1\"></span>mputer s<span class=\"_ _1\"></span>oft<span class=\"_ _1\"></span>ware<span class=\"ls1 ws1\"> </span>Costs incur<span class=\"_ _0\"></span>red to ac<span class=\"_ _0\"></span>quire and<span class=\"_ _0\"></span> bring t<span class=\"_ _0\"></span>o use spe<span class=\"_ _0\"></span>cifi<span class=\"_ _0\"></span>c softw<span class=\"_ _0\"></span>are are<span class=\"_ _0\"></span> capitali<span class=\"_ _0\"></span>sed and amo<span class=\"_ _0\"></span>rtised on the<span class=\"_ _0\"></span> basis o<span class=\"_ _0\"></span>f<span class=\"ls1 ws1\"> </span>the exp<span class=\"_ _1\"></span>ected u<span class=\"_ _1\"></span>seful li<span class=\"_ _1\"></span>ves. So<span class=\"_ _1\"></span>ft<span class=\"_ _1\"></span>ware has<span class=\"_ _1\"></span> a maxi<span class=\"_ _1\"></span>mum exp<span class=\"_ _1\"></span>ecte<span class=\"_ _1\"></span>d us<span class=\"_ _1\"></span>eful life of fo<span class=\"_ _1\"></span>ur yea<span class=\"_ _1\"></span>rs.  1.8<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _51\"> </span><span class=\"ls5 ws6\">I<span class=\"_ _1\"></span>mpairmen<span class=\"_ _1\"></span>t of no<span class=\"_ _1\"></span>n</span>-</span></span><span class=\"ws7\">finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets<span class=\"ls1 ws1\"> </span></span>Asset<span class=\"_ _1\"></span>s th<span class=\"_ _1\"></span>at hav<span class=\"_ _1\"></span>e an in<span class=\"_ _1\"></span>defini<span class=\"_ _1\"></span>te us<span class=\"_ _1\"></span>eful lif<span class=\"_ _1\"></span>e, for<span class=\"_ _1\"></span> examp<span class=\"_ _1\"></span>le go<span class=\"_ _1\"></span>odwill o<span class=\"_ _1\"></span>r cert<span class=\"_ _1\"></span>ain <span class=\"_ _1\"></span>inta<span class=\"_ _1\"></span>ngible a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s, a<span class=\"_ _1\"></span>re not<span class=\"_ _1\"></span> subj<span class=\"_ _1\"></span>ect to amortisation and are<span class=\"_ _0\"></span> teste<span class=\"_ _0\"></span>d annually for impairm<span class=\"_ _0\"></span>ent. Assets that are<span class=\"_ _0\"></span> subject to <span class=\"_ _0\"></span>amortisation ar<span class=\"_ _0\"></span>e review<span class=\"_ _1\"></span>ed for i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment wh<span class=\"_ _1\"></span>enev<span class=\"_ _1\"></span>er event<span class=\"_ _1\"></span>s or ch<span class=\"_ _1\"></span><span class=\"ls6 ws23\">anges in cir<span class=\"_ _1\"></span>cumstances in<span class=\"_ _1\"></span>dicate that<span class=\"_ _1\"></span> the carrying a<span class=\"_ _1\"></span>mount </span>may not be r<span class=\"_ _0\"></span>ecove<span class=\"_ _0\"></span>rable.<span class=\"_ _0\"></span>  An impairme<span class=\"_ _0\"></span>nt loss is re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span> the am<span class=\"_ _0\"></span>ount by whic<span class=\"_ _0\"></span>h the asset\u2019s c<span class=\"_ _0\"></span>arrying<span class=\"_ _11\"></span> amoun<span class=\"_ _1\"></span>t exce<span class=\"_ _1\"></span>eds it<span class=\"_ _1\"></span>s recov<span class=\"_ _1\"></span>erable a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>. The r<span class=\"_ _1\"></span>ecovera<span class=\"_ _1\"></span>ble a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e higher o<span class=\"_ _1\"></span>f an as<span class=\"_ _1\"></span>set\u2019s<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alue les<span class=\"_ _1\"></span>s cost<span class=\"_ _1\"></span>s to sell<span class=\"_ _1\"></span> and v<span class=\"_ _1\"></span>alue in<span class=\"_ _1\"></span> use. For<span class=\"_ _1\"></span> the pu<span class=\"_ _1\"></span>rpos<span class=\"_ _1\"></span>es of ass<span class=\"_ _1\"></span>essin<span class=\"_ _1\"></span>g impairm<span class=\"_ _1\"></span>ent, a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s are gr<span class=\"_ _1\"></span>ouped at<span class=\"_ _1\"></span> the lowes<span class=\"_ _1\"></span>t levels for wh<span class=\"_ _1\"></span>ich there ar<span class=\"_ _1\"></span>e separat<span class=\"_ _1\"></span>ely identifiable<span class=\"_ _1\"></span> cash inflo<span class=\"_ _1\"></span>ws (cash<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">genera<span class=\"_ _1\"></span>ting u<span class=\"_ _1\"></span>nits)<span class=\"_ _1\"></span>. The imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ment t<span class=\"_ _1\"></span>est </span></span>can also be performe<span class=\"_ _0\"></span>d on a sin<span class=\"ls5 ws35\">gl<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span> when th<span class=\"_ _1\"></span>e fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e less<span class=\"_ _1\"></span> cost<span class=\"_ _1\"></span>s to s<span class=\"_ _1\"></span>ell or th<span class=\"_ _1\"></span>e val<span class=\"_ _1\"></span>ue in<span class=\"_ _1\"></span> use can<span class=\"_ _1\"></span> be </span>determin<span class=\"_ _1\"></span>ed r<span class=\"_ _1\"></span>eliably<span class=\"_ _1\"></span>. Non<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> oth<span class=\"_ _1\"></span>er than<span class=\"_ _1\"></span> goodwill t<span class=\"_ _1\"></span>hat s<span class=\"_ _1\"></span>uffer<span class=\"_ _1\"></span>ed impai<span class=\"_ _1\"></span>rment<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>eviewed<span class=\"_ _1\"></span> for pos<span class=\"_ _1\"></span>sible r<span class=\"_ _1\"></span>eversa<span class=\"_ _1\"></span>l of the i<span class=\"_ _1\"></span>mpairmen<span class=\"_ _1\"></span>t at eac<span class=\"_ _1\"></span>h repor<span class=\"_ _1\"></span>ting d<span class=\"_ _1\"></span>ate. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-521": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gsa6\">1.5<span class=\"ff5 ls1 ws1\">  <span class=\"_ _51\"> </span></span><span class=\"ls5 ws7\">I<span class=\"_ _1\"></span>nvent<span class=\"_ _1\"></span>ories<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsf gsa7\">Inventories are sta<span class=\"_ _0\"></span>ted at the<span class=\"_ _0\"></span> lower of<span class=\"_ _0\"></span> cost and net re<span class=\"_ _0\"></span>alisable<span class=\"_ _0\"></span> value. The c<span class=\"_ _0\"></span>ost of postal<span class=\"_ _0\"></span> stationery an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsa8\">inven<span class=\"_ _1\"></span>tories<span class=\"_ _1\"></span> held fo<span class=\"_ _1\"></span>r resa<span class=\"_ _1\"></span>le is determin<span class=\"_ _1\"></span>ed on<span class=\"_ _1\"></span> a weight<span class=\"_ _1\"></span>ed avera<span class=\"_ _1\"></span>ge cost<span class=\"_ _1\"></span> basis<span class=\"_ _1\"></span>. The cos<span class=\"_ _1\"></span>t of other in<span class=\"_ _1\"></span>vento<span class=\"_ _1\"></span>ries is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gsa9\">determin<span class=\"_ _1\"></span>ed o<span class=\"_ _1\"></span>n a firs<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls6 ws10\">in first<span class=\"_ _1\"></span></span>-<span class=\"ls7 wsf\">out basis. T<span class=\"ls6 ws10\">he cost of inv<span class=\"_ _1\"></span>entories compr<span class=\"_ _1\"></span>ises the inv<span class=\"_ _1\"></span>oiced va<span class=\"_ _1\"></span>lue of goods </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gsaa\">purchased and i<span class=\"_ _0\"></span>n gene<span class=\"_ _0\"></span>ral include<span class=\"_ _0\"></span>s transport and handl<span class=\"_ _0\"></span>ing co<span class=\"_ _0\"></span>sts. Net r<span class=\"_ _0\"></span>ealisabl<span class=\"_ _0\"></span>e value<span class=\"_ _0\"></span> is the estimate<span class=\"_ _0\"></span>d selling </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gsab\">price in the ord<span class=\"_ _1\"></span>inary cou<span class=\"_ _1\"></span>rse of busin<span class=\"_ _1\"></span>ess, less applica<span class=\"_ _1\"></span>ble variable s<span class=\"_ _1\"></span>elling expenses.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForMeasuringInventories",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-496": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gsb3\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gsb4\">1.7<span class=\"ff5 ls1 ws1\">  <span class=\"_ _51\"> </span></span><span class=\"ls8 wsa\">Property, plant and<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent<span class=\"_ _bc\"> </span></span><span class=\"ls8 wsa\"><span class=\"ls1 ws1\"> </span></span></div>All other re<span class=\"_ _0\"></span>pairs and mainte<span class=\"_ _0\"></span>nance ar<span class=\"_ _0\"></span>e charged to pro<span class=\"_ _0\"></span>fit or l<span class=\"_ _0\"></span>oss during the<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> period i<span class=\"_ _0\"></span>n which the<span class=\"_ _0\"></span>y are i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepairsAndMaintenanceExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-11": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.7<span class=\"ff5 ls1 ws1\">  <span class=\"_ _51\"> </span></span><span class=\"ls8 wsa\">Property, plant and<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent<span class=\"_ _bc\"> </span></span>Free<span class=\"_ _0\"></span>hold and long<span class=\"_ _0\"></span> leasehold pro<span class=\"_ _0\"></span>pertie<span class=\"_ _0\"></span>s (land and buil<span class=\"_ _0\"></span>dings) c<span class=\"_ _0\"></span>omprise<span class=\"_ _0\"></span> mainly branc<span class=\"_ _0\"></span>hes and off<span class=\"_ _0\"></span>ices.<span class=\"_ _0\"></span> Land and buildi<span class=\"_ _0\"></span>ngs ar<span class=\"_ _0\"></span>e shown<span class=\"_ _0\"></span> at fa<span class=\"_ _0\"></span>ir value<span class=\"_ _0\"></span> base<span class=\"_ _0\"></span>d on pe<span class=\"_ _0\"></span>riodic<span class=\"_ _0\"></span> val<span class=\"_ _0\"></span>uations<span class=\"_ _0\"></span> by ex<span class=\"_ _0\"></span>ternal i<span class=\"_ _0\"></span>ndepend<span class=\"_ _0\"></span>ent val<span class=\"_ _0\"></span>uers,<span class=\"_ _0\"></span> less subsequent de<span class=\"_ _0\"></span>preci<span class=\"_ _0\"></span>ation for<span class=\"_ _0\"></span> buildings.<span class=\"_ _0\"></span>  Valuations ar<span class=\"_ _0\"></span>e car<span class=\"_ _0\"></span>ried out on a re<span class=\"_ _0\"></span>gular basi<span class=\"_ _0\"></span>s such that t<span class=\"_ _0\"></span>he carr<span class=\"_ _0\"></span>ying amount of<span class=\"_ _0\"></span> property do<span class=\"_ _0\"></span>es not dif<span class=\"_ _0\"></span>fer mate<span class=\"_ _0\"></span>rially f<span class=\"_ _0\"></span>rom that which w<span class=\"_ _0\"></span>ould be de<span class=\"_ _0\"></span>termine<span class=\"_ _0\"></span>d using fa<span class=\"_ _0\"></span>ir value<span class=\"_ _0\"></span>s at the end of<span class=\"_ _0\"></span> the repor<span class=\"_ _0\"></span>ting period. Any ac<span class=\"_ _0\"></span>cumula<span class=\"_ _0\"></span>ted deprec<span class=\"_ _0\"></span>iation at the da<span class=\"_ _0\"></span>te of re<span class=\"_ _0\"></span>valuation is <span class=\"ls5 ws7\">eliminat<span class=\"_ _1\"></span>ed </span>against the<span class=\"_ _0\"></span> gros<span class=\"_ _0\"></span>s carrying<span class=\"_ _0\"></span> amount of<span class=\"_ _0\"></span> the as<span class=\"_ _0\"></span>set, and<span class=\"_ _0\"></span> the net<span class=\"_ _0\"></span> amount<span class=\"_ _0\"></span> is restate<span class=\"_ _0\"></span>d to<span class=\"_ _0\"></span> the rev<span class=\"_ _0\"></span>alue<span class=\"_ _0\"></span>d amount of<span class=\"_ _0\"></span> the as<span class=\"_ _1\"></span>set. <span class=\"ls1 ws1\"> </span>All othe<span class=\"_ _0\"></span>r proper<span class=\"_ _0\"></span>ty, plant and<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>quipme<span class=\"_ _0\"></span>nt is stated at<span class=\"_ _0\"></span> histori<span class=\"_ _0\"></span>cal co<span class=\"_ _0\"></span>st less acc<span class=\"_ _0\"></span>umulate<span class=\"_ _0\"></span>d depre<span class=\"_ _0\"></span>ciation.<span class=\"_ _bc\"> </span>Land is not depr<span class=\"_ _0\"></span>eciat<span class=\"_ _0\"></span>ed as it is<span class=\"_ _0\"></span> dee<span class=\"_ _0\"></span>med to have an i<span class=\"_ _0\"></span>ndefi<span class=\"_ _0\"></span>nite life<span class=\"_ _0\"></span>. Depreci<span class=\"_ _0\"></span>ation on othe<span class=\"_ _0\"></span>r assets is c<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>ed using th<span class=\"_ _1\"></span>e straight<span class=\"ls1 ws1\">-<span class=\"ls7 ws84\">line method to allocate their c<span class=\"_ _0\"></span>ost or revalued amounts to their residual value<span class=\"_ _0\"></span>s over their<span class=\"_ _0\"></span> </span></span>estima<span class=\"_ _1\"></span>ted us<span class=\"_ _1\"></span>eful liv<span class=\"_ _1\"></span>es, as<span class=\"_ _1\"></span> follo<span class=\"_ _1\"></span>ws:<span class=\"ls1 ws1\"> </span><table class=\"s w1df h1a9\" id=\"_e1490071-5d13-47f0-aa57-c9cc61820dfb\"><tr><td></td><td class=\"c x2b8 y1e4d wc2 ha6\"><div class=\"t m0 x12f h3 y8d0 ff1 fs1 fc0 sc0 ls18 ws74\">Years<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e4e wc1 ha5\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">Buildings<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e4e wc2 ha5\"><div class=\"t m0 xdf h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">100 or o<span class=\"_ _1\"></span>ver peri<span class=\"_ _1\"></span>od of lea<span class=\"_ _1\"></span>se ar<span class=\"_ _1\"></span>rangemen<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e4f wc1 ha6\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Leasehol<span class=\"_ _0\"></span>d propert<span class=\"_ _0\"></span>y<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e4f wc2 ha6\"><div class=\"t m0 x69 h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">Over p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>f lease ar<span class=\"_ _1\"></span>range<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e50 wc1 ha4\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Compute<span class=\"_ _0\"></span>r equipme<span class=\"_ _0\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e50 wc2 ha4\"><div class=\"t m0 x131 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">4 </div></td></tr><tr><td class=\"c x2b9 y1e51 wc1 ha4\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 lsa ws24\">Other <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e51 wc2 ha4\"><div class=\"t m0 x132 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4 <span class=\"ls1 ws1\">\u2013 </span>8 <span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-510": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.7<span class=\"ff5 ls1 ws1\">  <span class=\"_ _51\"> </span></span><span class=\"ls8 wsa\">Property, plant and<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent<span class=\"_ _bc\"> </span></span><span class=\"ls8 wsa\"><span class=\"ls1 ws1\"> </span></span>All prope<span class=\"_ _0\"></span>rty, plant<span class=\"_ _0\"></span> and equi<span class=\"_ _0\"></span>pment use<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>roup is init<span class=\"_ _0\"></span>ially re<span class=\"_ _0\"></span>corde<span class=\"_ _0\"></span>d at histori<span class=\"_ _0\"></span>cal cost,<span class=\"_ _0\"></span> including<span class=\"_ _0\"></span> transa<span class=\"_ _1\"></span>ction costs and borr<span class=\"_ _1\"></span>owing costs.<span class=\"_ _1\"></span> Historical cost includes<span class=\"_ _1\"></span> expenditure th<span class=\"_ _1\"></span>at is directly att<span class=\"_ _1\"></span>ributable to the acq<span class=\"_ _1\"></span>uis<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of the it<span class=\"_ _1\"></span>ems. <span class=\"ls1 ws1\"> </span>Free<span class=\"_ _0\"></span>hold and long<span class=\"_ _0\"></span> leasehold pro<span class=\"_ _0\"></span>pertie<span class=\"_ _0\"></span>s (land and buil<span class=\"_ _0\"></span>dings) c<span class=\"_ _0\"></span>omprise<span class=\"_ _0\"></span> mainly branc<span class=\"_ _0\"></span>hes and off<span class=\"_ _0\"></span>ices.<span class=\"_ _0\"></span> Land and buildi<span class=\"_ _0\"></span>ngs ar<span class=\"_ _0\"></span>e shown<span class=\"_ _0\"></span> at fa<span class=\"_ _0\"></span>ir value<span class=\"_ _0\"></span> base<span class=\"_ _0\"></span>d on pe<span class=\"_ _0\"></span>riodic<span class=\"_ _0\"></span> val<span class=\"_ _0\"></span>uations<span class=\"_ _0\"></span> by ex<span class=\"_ _0\"></span>ternal i<span class=\"_ _0\"></span>ndepend<span class=\"_ _0\"></span>ent val<span class=\"_ _0\"></span>uers,<span class=\"_ _0\"></span> less subsequent de<span class=\"_ _0\"></span>preci<span class=\"_ _0\"></span>ation for<span class=\"_ _0\"></span> buildings.<span class=\"_ _0\"></span>  Valuations ar<span class=\"_ _0\"></span>e car<span class=\"_ _0\"></span>ried out on a re<span class=\"_ _0\"></span>gular basi<span class=\"_ _0\"></span>s such that t<span class=\"_ _0\"></span>he carr<span class=\"_ _0\"></span>ying amount of<span class=\"_ _0\"></span> property do<span class=\"_ _0\"></span>es not dif<span class=\"_ _0\"></span>fer mate<span class=\"_ _0\"></span>rially f<span class=\"_ _0\"></span>rom that which w<span class=\"_ _0\"></span>ould be de<span class=\"_ _0\"></span>termine<span class=\"_ _0\"></span>d using fa<span class=\"_ _0\"></span>ir value<span class=\"_ _0\"></span>s at the end of<span class=\"_ _0\"></span> the repor<span class=\"_ _0\"></span>ting period. Any ac<span class=\"_ _0\"></span>cumula<span class=\"_ _0\"></span>ted deprec<span class=\"_ _0\"></span>iation at the da<span class=\"_ _0\"></span>te of re<span class=\"_ _0\"></span>valuation is <span class=\"ls5 ws7\">eliminat<span class=\"_ _1\"></span>ed </span>against the<span class=\"_ _0\"></span> gros<span class=\"_ _0\"></span>s carrying<span class=\"_ _0\"></span> amount of<span class=\"_ _0\"></span> the as<span class=\"_ _0\"></span>set, and<span class=\"_ _0\"></span> the net<span class=\"_ _0\"></span> amount<span class=\"_ _0\"></span> is restate<span class=\"_ _0\"></span>d to<span class=\"_ _0\"></span> the rev<span class=\"_ _0\"></span>alue<span class=\"_ _0\"></span>d amount of<span class=\"_ _0\"></span> the as<span class=\"_ _1\"></span>set. <span class=\"ls1 ws1\"> </span>All othe<span class=\"_ _0\"></span>r proper<span class=\"_ _0\"></span>ty, plant and<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>quipme<span class=\"_ _0\"></span>nt is stated at<span class=\"_ _0\"></span> histori<span class=\"_ _0\"></span>cal co<span class=\"_ _0\"></span>st less acc<span class=\"_ _0\"></span>umulate<span class=\"_ _0\"></span>d depre<span class=\"_ _0\"></span>ciation.<span class=\"_ _bc\"> </span><span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>Borrow<span class=\"_ _0\"></span>ing costs w<span class=\"_ _0\"></span>hich are<span class=\"_ _0\"></span> incurr<span class=\"_ _0\"></span>ed for<span class=\"_ _0\"></span> the purpose<span class=\"_ _0\"></span> of acqui<span class=\"_ _0\"></span>ring or c<span class=\"_ _0\"></span>onstructi<span class=\"_ _0\"></span>ng a qua<span class=\"_ _0\"></span>lif<span class=\"_ _0\"></span>ying asset a<span class=\"_ _0\"></span>re capitalis<span class=\"_ _1\"></span>ed as part<span class=\"_ _1\"></span> of its cost. Bo<span class=\"_ _1\"></span>rrowing cos<span class=\"_ _1\"></span>ts are capit<span class=\"_ _1\"></span>alised wh<span class=\"_ _1\"></span>ile acquisitio<span class=\"_ _1\"></span>n or cons<span class=\"_ _1\"></span>truction is<span class=\"_ _1\"></span> actively<span class=\"_ _1\"></span> underway. Capitalisation of<span class=\"_ _11\"></span> borrowing cost<span class=\"ls8 ws36\">s is ce<span class=\"_ _0\"></span>ased o<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span> the asse<span class=\"_ _0\"></span>t is <span class=\"_ _0\"></span>substanti<span class=\"_ _0\"></span>ally <span class=\"_ _0\"></span>comple<span class=\"_ _0\"></span>te, and i<span class=\"_ _0\"></span>s </span>suspended if<span class=\"_ _0\"></span> the deve<span class=\"_ _0\"></span>lopme<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span> asset is <span class=\"_ _0\"></span>suspended.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Subsequent<span class=\"_ _0\"></span> costs are i<span class=\"_ _0\"></span>ncluded i<span class=\"_ _0\"></span>n the asset<span class=\"_ _0\"></span>\u2019s carrying<span class=\"_ _0\"></span> amount or<span class=\"_ _0\"></span> recog<span class=\"_ _0\"></span>nised as a se<span class=\"_ _0\"></span>parate asse<span class=\"_ _0\"></span>t, as app<span class=\"_ _1\"></span>ropria<span class=\"_ _1\"></span>te, on<span class=\"_ _1\"></span>ly when<span class=\"_ _1\"></span> it is pro<span class=\"_ _1\"></span>babl<span class=\"_ _1\"></span>e that fu<span class=\"_ _1\"></span>ture eco<span class=\"_ _1\"></span>nomic<span class=\"_ _1\"></span> benefi<span class=\"_ _1\"></span>ts as<span class=\"_ _1\"></span>socia<span class=\"_ _1\"></span>ted with<span class=\"_ _1\"></span> the it<span class=\"_ _1\"></span>em will flo<span class=\"_ _1\"></span>w to the Gr<span class=\"_ _0\"></span>oup and the cost<span class=\"_ _0\"></span> of the item can be<span class=\"_ _0\"></span> measured re<span class=\"_ _0\"></span>liably. The<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng amount of the repl<span class=\"_ _0\"></span>aced par<span class=\"_ _0\"></span>t is derec<span class=\"_ _0\"></span>ognised.<span class=\"_ _0\"></span> All other re<span class=\"_ _0\"></span>pairs and mainte<span class=\"_ _0\"></span>nance ar<span class=\"_ _0\"></span>e charged to pro<span class=\"_ _0\"></span>fit or l<span class=\"_ _0\"></span>oss during the<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> period i<span class=\"_ _0\"></span>n which the<span class=\"_ _0\"></span>y are i<span class=\"_ _0\"></span>ncurre<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span>Increa<span class=\"_ _0\"></span>ses in the c<span class=\"_ _0\"></span>arrying<span class=\"_ _0\"></span> amount ari<span class=\"_ _0\"></span>sing o<span class=\"_ _0\"></span>n revaluat<span class=\"_ _0\"></span>ion <span class=\"_ _0\"></span>of land a<span class=\"_ _0\"></span>nd buildi<span class=\"_ _0\"></span>ngs ar<span class=\"_ _0\"></span>e cre<span class=\"_ _0\"></span>dited to<span class=\"_ _0\"></span> other compre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income and shown as a r<span class=\"_ _0\"></span>evaluati<span class=\"_ _0\"></span>on reser<span class=\"_ _0\"></span>ve in sharehol<span class=\"_ _0\"></span>ders\u2019 equi<span class=\"_ _0\"></span>ty. Dec<span class=\"_ _0\"></span>reases that of<span class=\"_ _0\"></span>fset previ<span class=\"_ _1\"></span>ous i<span class=\"_ _1\"></span>ncreas<span class=\"_ _1\"></span>es of the s<span class=\"_ _1\"></span>ame asset<span class=\"_ _1\"></span> are cha<span class=\"_ _1\"></span>rged to o<span class=\"ls8 wsa\">ther com<span class=\"_ _0\"></span>prehensi<span class=\"_ _0\"></span>ve incom<span class=\"_ _0\"></span>e and de<span class=\"_ _0\"></span>bited ag<span class=\"_ _0\"></span>ainst the<span class=\"_ _0\"></span> </span>revaluation reser<span class=\"_ _0\"></span>ve; all other de<span class=\"_ _0\"></span>creases are<span class=\"_ _0\"></span> charged to profit or loss. <span class=\"_ _0\"></span><span class=\"ls1\"> </span>Land is not depr<span class=\"_ _0\"></span>eciat<span class=\"_ _0\"></span>ed as it is<span class=\"_ _0\"></span> dee<span class=\"_ _0\"></span>med to have an i<span class=\"_ _0\"></span>ndefi<span class=\"_ _0\"></span>nite life<span class=\"_ _0\"></span>. Depreci<span class=\"_ _0\"></span>ation on othe<span class=\"_ _0\"></span>r assets is c<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>ed using th<span class=\"_ _1\"></span>e straight<span class=\"ls1 ws1\">-<span class=\"ls7 ws84\">line method to allocate their c<span class=\"_ _0\"></span>ost or revalued amounts to their residual value<span class=\"_ _0\"></span>s over their<span class=\"_ _0\"></span> </span></span>estima<span class=\"_ _1\"></span>ted us<span class=\"_ _1\"></span>eful liv<span class=\"_ _1\"></span>es, as<span class=\"_ _1\"></span> follo<span class=\"_ _1\"></span>ws:<span class=\"ls1 ws1\"> </span><div class=\"gsb6\"><table class=\"s w1df h1a9\" id=\"_e1490071-5d13-47f0-aa57-c9cc61820dfb\"><tr><td></td><td class=\"c x2b8 y1e4d wc2 ha6\"><div class=\"t m0 x12f h3 y8d0 ff1 fs1 fc0 sc0 ls18 ws74\">Years<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e4e wc1 ha5\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">Buildings<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e4e wc2 ha5\"><div class=\"t m0 xdf h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">100 or o<span class=\"_ _1\"></span>ver peri<span class=\"_ _1\"></span>od of lea<span class=\"_ _1\"></span>se ar<span class=\"_ _1\"></span>rangemen<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e4f wc1 ha6\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Leasehol<span class=\"_ _0\"></span>d propert<span class=\"_ _0\"></span>y<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e4f wc2 ha6\"><div class=\"t m0 x69 h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">Over p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>f lease ar<span class=\"_ _1\"></span>range<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1e50 wc1 ha4\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Compute<span class=\"_ _0\"></span>r equipme<span class=\"_ _0\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e50 wc2 ha4\"><div class=\"t m0 x131 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">4 </div></td></tr><tr><td class=\"c x2b9 y1e51 wc1 ha4\"><div class=\"t m0 x10 h3 y8d0 ff1 fs1 fc0 sc0 lsa ws24\">Other <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2b8 y1e51 wc2 ha4\"><div class=\"t m0 x132 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4 <span class=\"ls1 ws1\">\u2013 </span>8 <span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gsb8\">The as<span class=\"_ _1\"></span>sets\u2019<span class=\"_ _1\"></span> resid<span class=\"_ _1\"></span>ual valu<span class=\"_ _1\"></span>es and us<span class=\"_ _1\"></span>eful liv<span class=\"_ _1\"></span>es are r<span class=\"_ _1\"></span>eviewed, a<span class=\"_ _1\"></span>nd ad<span class=\"_ _1\"></span>justed<span class=\"_ _1\"></span> if app<span class=\"_ _1\"></span>ropriat<span class=\"_ _1\"></span>e, at the en<span class=\"_ _1\"></span>d of each </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lsa ws44 gsb9\">reporting period. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gsba\">An asset\u2019s<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng amount i<span class=\"_ _11\"></span>s<span class=\"_ _1\"></span> w<span class=\"_ _0\"></span>ritte<span class=\"_ _0\"></span>n down imme<span class=\"_ _0\"></span>diatel<span class=\"_ _0\"></span>y to its re<span class=\"_ _0\"></span>covera<span class=\"_ _0\"></span>ble am<span class=\"_ _0\"></span>ount if the<span class=\"_ _0\"></span> asset\u2019s car<span class=\"_ _0\"></span>rying<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsbb\">amoun<span class=\"_ _1\"></span>t is gr<span class=\"_ _1\"></span>eater th<span class=\"_ _1\"></span>an it<span class=\"_ _1\"></span>s estimat<span class=\"_ _1\"></span>ed recov<span class=\"_ _1\"></span>erabl<span class=\"_ _1\"></span>e amoun<span class=\"_ _1\"></span>t (see n<span class=\"_ _1\"></span>ote 1.8<span class=\"_ _1\"></span>).<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gsbc\">Gains and losse<span class=\"_ _0\"></span>s on dis<span class=\"_ _0\"></span>posals a<span class=\"_ _0\"></span>re det<span class=\"_ _0\"></span>ermine<span class=\"_ _0\"></span>d by compari<span class=\"_ _0\"></span>ng the pr<span class=\"_ _0\"></span>ocee<span class=\"_ _0\"></span>ds with the<span class=\"_ _0\"></span> carrying am<span class=\"_ _0\"></span>ount and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gsbd\">are re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span>d in prof<span class=\"_ _0\"></span>it or loss. W<span class=\"_ _0\"></span>hen reval<span class=\"_ _0\"></span>ued assets <span class=\"_ _0\"></span>are s<span class=\"_ _0\"></span>old, the<span class=\"_ _0\"></span> amounts inc<span class=\"_ _0\"></span>luded in <span class=\"_ _0\"></span>the r<span class=\"_ _0\"></span>evaluati<span class=\"_ _0\"></span>on </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsbe\">reserv<span class=\"_ _1\"></span>e relatin<span class=\"_ _1\"></span>g to th<span class=\"_ _1\"></span>at as<span class=\"_ _1\"></span>set are tr<span class=\"_ _1\"></span>ansfer<span class=\"_ _1\"></span>red to r<span class=\"_ _1\"></span><span class=\"ls8 wsa\">etaine<span class=\"_ _0\"></span>d earnings.<span class=\"ls1 ws1\"> </span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-451": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gscc\">1.9     <span class=\"ls1 ws1\">  </span><span class=\"ls5\">Leases<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gscd\">1.9.1 <span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span><span class=\"ls8 wsa\">When a Group com<span class=\"_ _0\"></span>pany is the<span class=\"_ _0\"></span> lesse<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gsce\">The Group reco<span class=\"_ _1\"></span>gnises leas<span class=\"_ _1\"></span>e liabilities<span class=\"_ _1\"></span> in relation to<span class=\"_ _1\"></span> leases with<span class=\"_ _1\"></span>in \u2019other lia<span class=\"_ _1\"></span>bilities\u2019. The<span class=\"_ _1\"></span> lease liability<span class=\"_ _1\"></span> is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws72 gscf\">measu<span class=\"_ _1\"></span>red at t<span class=\"_ _1\"></span>he pres<span class=\"_ _1\"></span>ent value o<span class=\"_ _1\"></span>f the remai<span class=\"_ _1\"></span>ning lea<span class=\"_ _1\"></span>se pa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span>, dis<span class=\"_ _1\"></span>count<span class=\"_ _1\"></span>ed at th<span class=\"_ _1\"></span>e Group\u2019s in<span class=\"_ _1\"></span>crementa<span class=\"_ _1\"></span>l </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gsd0\">borrowing ra<span class=\"_ _1\"></span>te. The as<span class=\"_ _1\"></span>sociated r<span class=\"_ _1\"></span>ight<span class=\"ls1 ws1\">-<span class=\"ls5f wsb8\">of</span>-<span class=\"ls8 ws16\">use<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws28\">(ROU<span class=\"_ _1\"></span>) ass<span class=\"_ _1\"></span>ets a<span class=\"_ _1\"></span>re recog<span class=\"_ _1\"></span>nised<span class=\"_ _1\"></span></span> <span class=\"ls8 ws5c\">and include<span class=\"_ _0\"></span>d within \u2018<span class=\"_ _0\"></span>property, </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gsd1\">plant and equi<span class=\"_ _0\"></span>pment\u2019 a<span class=\"_ _0\"></span>nd are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d at the a<span class=\"_ _0\"></span>mount equa<span class=\"_ _0\"></span>l to the l<span class=\"_ _0\"></span>ease l<span class=\"_ _0\"></span>iability.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gsd2\">Lease payment<span class=\"_ _1\"></span>s are allocated<span class=\"_ _1\"></span> between t<span class=\"_ _1\"></span>he liability a<span class=\"_ _1\"></span>nd finance cos<span class=\"_ _1\"></span>t. The finance <span class=\"_ _1\"></span>cost is cha<span class=\"_ _1\"></span>rged to profit </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsd3\">or los<span class=\"_ _1\"></span>s ov<span class=\"_ _1\"></span>er the lea<span class=\"_ _1\"></span>se term. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gsd4\">The leas<span class=\"_ _1\"></span>e term<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e non<span class=\"ls1 ws1\">-<span class=\"ls8 ws13\">cancellable pe<span class=\"_ _0\"></span>riod of a le<span class=\"_ _0\"></span>ase, togethe<span class=\"_ _0\"></span>r wi<span class=\"_ _0\"></span>th both (a) pe<span class=\"_ _0\"></span>riods co<span class=\"_ _0\"></span>vered by an option<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gsd5\">to exte<span class=\"_ _0\"></span>nd the lease<span class=\"_ _0\"></span> if the lessee i<span class=\"_ _0\"></span>s reasonably cer<span class=\"_ _0\"></span>tain to extend by e<span class=\"_ _0\"></span>xercising<span class=\"_ _0\"></span> that option;<span class=\"_ _0\"></span> and (b) pe<span class=\"_ _0\"></span>riods </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gsd6\">covere<span class=\"_ _0\"></span>d by an option to t<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>nate the<span class=\"_ _0\"></span> <span class=\"ls5 ws2a\">lease if t<span class=\"_ _1\"></span>he les<span class=\"_ _1\"></span>see is<span class=\"_ _1\"></span> reas<span class=\"_ _1\"></span>onab<span class=\"_ _1\"></span>ly cert<span class=\"_ _1\"></span>ain no<span class=\"_ _1\"></span>t to exer<span class=\"_ _1\"></span>cise th<span class=\"_ _1\"></span>at op<span class=\"_ _1\"></span>tion. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gsd7\">In assessi<span class=\"_ _0\"></span>ng the le<span class=\"_ _0\"></span>ngth of<span class=\"_ _0\"></span> the no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">cancell<span class=\"_ _1\"></span>able per<span class=\"_ _1\"></span>iod<span class=\"_ _1\"></span> of a leas<span class=\"_ _1\"></span>e, the Gr<span class=\"_ _1\"></span>oup a<span class=\"_ _1\"></span>pplies<span class=\"_ _1\"></span> the defin<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of a </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gsd8\">cont<span class=\"_ _1\"></span>ract to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine the<span class=\"_ _1\"></span> pe<span class=\"_ _1\"></span>riod fo<span class=\"_ _1\"></span>r whic<span class=\"_ _1\"></span>h the co<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>ct is<span class=\"_ _1\"></span> enforc<span class=\"_ _1\"></span>eable.<span class=\"_ _1\"></span> A leas<span class=\"_ _1\"></span>e is<span class=\"_ _1\"></span> no lo<span class=\"_ _1\"></span>nger en<span class=\"_ _1\"></span>forc<span class=\"_ _1\"></span>eable<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gsd9\">when th<span class=\"_ _1\"></span>e les<span class=\"_ _1\"></span>see and<span class=\"_ _1\"></span> the l<span class=\"_ _1\"></span>esso<span class=\"_ _1\"></span>r each h<span class=\"_ _1\"></span>as th<span class=\"_ _1\"></span>e right<span class=\"_ _1\"></span> to ter<span class=\"_ _1\"></span>mina<span class=\"_ _1\"></span>te the l<span class=\"_ _1\"></span>ease<span class=\"_ _1\"></span> withou<span class=\"_ _1\"></span>t per<span class=\"_ _1\"></span>missi<span class=\"_ _1\"></span>on from t<span class=\"_ _1\"></span>he oth<span class=\"_ _1\"></span>er </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gsda\">party wit<span class=\"_ _0\"></span>h no more<span class=\"_ _0\"></span> than an in<span class=\"_ _0\"></span>signifi<span class=\"_ _0\"></span>cant pena<span class=\"_ _0\"></span>lty.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gsdb\">The RO<span class=\"_ _1\"></span>U asset<span class=\"_ _1\"></span> is dep<span class=\"_ _1\"></span>reciated<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er the s<span class=\"_ _1\"></span>hort<span class=\"_ _1\"></span>er of the RO<span class=\"_ _1\"></span>U as<span class=\"_ _1\"></span>set\u2019s<span class=\"_ _1\"></span> useful eco<span class=\"_ _1\"></span>nomic <span class=\"_ _1\"></span>life a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e lease t<span class=\"_ _1\"></span>erm<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gsdc\">on a straight<span class=\"ls1\">-<span class=\"ls6 ws7\">line basis.</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gsdd\">The leas<span class=\"_ _1\"></span>es with<span class=\"_ _1\"></span> a rema<span class=\"_ _1\"></span>ining l<span class=\"_ _1\"></span>ease ter<span class=\"_ _1\"></span>m of les<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>n 12 mon<span class=\"_ _1\"></span>ths a<span class=\"_ _1\"></span>re accou<span class=\"_ _1\"></span>nted as<span class=\"_ _1\"></span> short<span class=\"ls1 ws1\">-</span>ter<span class=\"_ _1\"></span>m opera<span class=\"_ _1\"></span>ting<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gsde\">leases<span class=\"_ _1\"></span>. Pay<span class=\"_ _1\"></span>ments ma<span class=\"_ _1\"></span>de und<span class=\"_ _1\"></span>er op<span class=\"_ _1\"></span>eratin<span class=\"_ _1\"></span>g leas<span class=\"_ _1\"></span>es (net o<span class=\"_ _1\"></span>f any i<span class=\"_ _1\"></span>ncen<span class=\"_ _1\"></span>tives<span class=\"_ _1\"></span> receiv<span class=\"_ _1\"></span>ed fro<span class=\"_ _1\"></span>m the les<span class=\"_ _1\"></span>so<span class=\"_ _1\"></span>r) are ch<span class=\"_ _1\"></span>arged<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gsdf\">to profit or loss on a straig<span class=\"_ _0\"></span>ht<span class=\"ls1\">-<span class=\"ls5 ws6\">line bas<span class=\"_ _1\"></span>is ov<span class=\"_ _1\"></span>er the per<span class=\"_ _1\"></span>iod of t<span class=\"_ _1\"></span>he lease.<span class=\"_ _bc\"> </span></span></span><span class=\"ls1\"><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-497": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.8<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _51\"> </span><span class=\"ls5 ws6\">I<span class=\"_ _1\"></span>mpairmen<span class=\"_ _1\"></span>t of no<span class=\"_ _1\"></span>n</span>-</span></span><span class=\"ws7\">finan<span class=\"_ _1\"></span>cial as<span class=\"_ _1\"></span>sets<span class=\"ls1 ws1\"> </span></span>Asset<span class=\"_ _1\"></span>s th<span class=\"_ _1\"></span>at hav<span class=\"_ _1\"></span>e an in<span class=\"_ _1\"></span>defini<span class=\"_ _1\"></span>te us<span class=\"_ _1\"></span>eful lif<span class=\"_ _1\"></span>e, for<span class=\"_ _1\"></span> examp<span class=\"_ _1\"></span>le go<span class=\"_ _1\"></span>odwill o<span class=\"_ _1\"></span>r cert<span class=\"_ _1\"></span>ain <span class=\"_ _1\"></span>inta<span class=\"_ _1\"></span>ngible a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s, a<span class=\"_ _1\"></span>re not<span class=\"_ _1\"></span> subj<span class=\"_ _1\"></span>ect to amortisation and are<span class=\"_ _0\"></span> teste<span class=\"_ _0\"></span>d annually for impairm<span class=\"_ _0\"></span>ent. Assets that are<span class=\"_ _0\"></span> subject to <span class=\"_ _0\"></span>amortisation ar<span class=\"_ _0\"></span>e review<span class=\"_ _1\"></span>ed for i<span class=\"_ _1\"></span>mpair<span class=\"_ _1\"></span>ment wh<span class=\"_ _1\"></span>enev<span class=\"_ _1\"></span>er event<span class=\"_ _1\"></span>s or ch<span class=\"_ _1\"></span><span class=\"ls6 ws23\">anges in cir<span class=\"_ _1\"></span>cumstances in<span class=\"_ _1\"></span>dicate that<span class=\"_ _1\"></span> the carrying a<span class=\"_ _1\"></span>mount </span>may not be r<span class=\"_ _0\"></span>ecove<span class=\"_ _0\"></span>rable.<span class=\"_ _0\"></span>  An impairme<span class=\"_ _0\"></span>nt loss is re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span> the am<span class=\"_ _0\"></span>ount by whic<span class=\"_ _0\"></span>h the asset\u2019s c<span class=\"_ _0\"></span>arrying<span class=\"_ _11\"></span> amoun<span class=\"_ _1\"></span>t exce<span class=\"_ _1\"></span>eds it<span class=\"_ _1\"></span>s recov<span class=\"_ _1\"></span>erable a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>. The r<span class=\"_ _1\"></span>ecovera<span class=\"_ _1\"></span>ble a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e higher o<span class=\"_ _1\"></span>f an as<span class=\"_ _1\"></span>set\u2019s<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alue les<span class=\"_ _1\"></span>s cost<span class=\"_ _1\"></span>s to sell<span class=\"_ _1\"></span> and v<span class=\"_ _1\"></span>alue in<span class=\"_ _1\"></span> use. For<span class=\"_ _1\"></span> the pu<span class=\"_ _1\"></span>rpos<span class=\"_ _1\"></span>es of ass<span class=\"_ _1\"></span>essin<span class=\"_ _1\"></span>g impairm<span class=\"_ _1\"></span>ent, a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s are gr<span class=\"_ _1\"></span>ouped at<span class=\"_ _1\"></span> the lowes<span class=\"_ _1\"></span>t levels for wh<span class=\"_ _1\"></span>ich there ar<span class=\"_ _1\"></span>e separat<span class=\"_ _1\"></span>ely identifiable<span class=\"_ _1\"></span> cash inflo<span class=\"_ _1\"></span>ws (cash<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">genera<span class=\"_ _1\"></span>ting u<span class=\"_ _1\"></span>nits)<span class=\"_ _1\"></span>. The imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ment t<span class=\"_ _1\"></span>est </span></span>can also be performe<span class=\"_ _0\"></span>d on a sin<span class=\"ls5 ws35\">gl<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span> when th<span class=\"_ _1\"></span>e fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e less<span class=\"_ _1\"></span> cost<span class=\"_ _1\"></span>s to s<span class=\"_ _1\"></span>ell or th<span class=\"_ _1\"></span>e val<span class=\"_ _1\"></span>ue in<span class=\"_ _1\"></span> use can<span class=\"_ _1\"></span> be </span>determin<span class=\"_ _1\"></span>ed r<span class=\"_ _1\"></span>eliably<span class=\"_ _1\"></span>. Non<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> oth<span class=\"_ _1\"></span>er than<span class=\"_ _1\"></span> goodwill t<span class=\"_ _1\"></span>hat s<span class=\"_ _1\"></span>uffer<span class=\"_ _1\"></span>ed impai<span class=\"_ _1\"></span>rment<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>eviewed<span class=\"_ _1\"></span> for pos<span class=\"_ _1\"></span>sible r<span class=\"_ _1\"></span>eversa<span class=\"_ _1\"></span>l of the i<span class=\"_ _1\"></span>mpairmen<span class=\"_ _1\"></span>t at eac<span class=\"_ _1\"></span>h repor<span class=\"_ _1\"></span>ting d<span class=\"_ _1\"></span>ate. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-546": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.9     <span class=\"ls1 ws1\">  </span><span class=\"ls5\">Leases<span class=\"ls1 ws1\"> </span></span>1.9.1 <span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span><span class=\"ls8 wsa\">When a Group com<span class=\"_ _0\"></span>pany is the<span class=\"_ _0\"></span> lesse<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> </span></span></span>The Group reco<span class=\"_ _1\"></span>gnises leas<span class=\"_ _1\"></span>e liabilities<span class=\"_ _1\"></span> in relation to<span class=\"_ _1\"></span> leases with<span class=\"_ _1\"></span>in \u2019other lia<span class=\"_ _1\"></span>bilities\u2019. The<span class=\"_ _1\"></span> lease liability<span class=\"_ _1\"></span> is measu<span class=\"_ _1\"></span>red at t<span class=\"_ _1\"></span>he pres<span class=\"_ _1\"></span>ent value o<span class=\"_ _1\"></span>f the remai<span class=\"_ _1\"></span>ning lea<span class=\"_ _1\"></span>se pa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span>, dis<span class=\"_ _1\"></span>count<span class=\"_ _1\"></span>ed at th<span class=\"_ _1\"></span>e Group\u2019s in<span class=\"_ _1\"></span>crementa<span class=\"_ _1\"></span>l borrowing ra<span class=\"_ _1\"></span>te. The as<span class=\"_ _1\"></span>sociated r<span class=\"_ _1\"></span>ight<span class=\"ls1 ws1\">-<span class=\"ls5f wsb8\">of</span>-<span class=\"ls8 ws16\">use<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws28\">(ROU<span class=\"_ _1\"></span>) ass<span class=\"_ _1\"></span>ets a<span class=\"_ _1\"></span>re recog<span class=\"_ _1\"></span>nised<span class=\"_ _1\"></span></span> <span class=\"ls8 ws5c\">and include<span class=\"_ _0\"></span>d within \u2018<span class=\"_ _0\"></span>property, </span></span></span></span>plant and equi<span class=\"_ _0\"></span>pment\u2019 a<span class=\"_ _0\"></span>nd are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d at the a<span class=\"_ _0\"></span>mount equa<span class=\"_ _0\"></span>l to the l<span class=\"_ _0\"></span>ease l<span class=\"_ _0\"></span>iability.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>Lease payment<span class=\"_ _1\"></span>s are allocated<span class=\"_ _1\"></span> between t<span class=\"_ _1\"></span>he liability a<span class=\"_ _1\"></span>nd finance cos<span class=\"_ _1\"></span>t. The finance <span class=\"_ _1\"></span>cost is cha<span class=\"_ _1\"></span>rged to profit or los<span class=\"_ _1\"></span>s ov<span class=\"_ _1\"></span>er the lea<span class=\"_ _1\"></span>se term. <span class=\"ls1 ws1\"> </span>The leas<span class=\"_ _1\"></span>e term<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e non<span class=\"ls1 ws1\">-<span class=\"ls8 ws13\">cancellable pe<span class=\"_ _0\"></span>riod of a le<span class=\"_ _0\"></span>ase, togethe<span class=\"_ _0\"></span>r wi<span class=\"_ _0\"></span>th both (a) pe<span class=\"_ _0\"></span>riods co<span class=\"_ _0\"></span>vered by an option<span class=\"_ _0\"></span> </span></span>to exte<span class=\"_ _0\"></span>nd the lease<span class=\"_ _0\"></span> if the lessee i<span class=\"_ _0\"></span>s reasonably cer<span class=\"_ _0\"></span>tain to extend by e<span class=\"_ _0\"></span>xercising<span class=\"_ _0\"></span> that option;<span class=\"_ _0\"></span> and (b) pe<span class=\"_ _0\"></span>riods covere<span class=\"_ _0\"></span>d by an option to t<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>nate the<span class=\"_ _0\"></span> <span class=\"ls5 ws2a\">lease if t<span class=\"_ _1\"></span>he les<span class=\"_ _1\"></span>see is<span class=\"_ _1\"></span> reas<span class=\"_ _1\"></span>onab<span class=\"_ _1\"></span>ly cert<span class=\"_ _1\"></span>ain no<span class=\"_ _1\"></span>t to exer<span class=\"_ _1\"></span>cise th<span class=\"_ _1\"></span>at op<span class=\"_ _1\"></span>tion. </span>In assessi<span class=\"_ _0\"></span>ng the le<span class=\"_ _0\"></span>ngth of<span class=\"_ _0\"></span> the no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">cancell<span class=\"_ _1\"></span>able per<span class=\"_ _1\"></span>iod<span class=\"_ _1\"></span> of a leas<span class=\"_ _1\"></span>e, the Gr<span class=\"_ _1\"></span>oup a<span class=\"_ _1\"></span>pplies<span class=\"_ _1\"></span> the defin<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of a </span></span>cont<span class=\"_ _1\"></span>ract to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine the<span class=\"_ _1\"></span> pe<span class=\"_ _1\"></span>riod fo<span class=\"_ _1\"></span>r whic<span class=\"_ _1\"></span>h the co<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>ct is<span class=\"_ _1\"></span> enforc<span class=\"_ _1\"></span>eable.<span class=\"_ _1\"></span> A leas<span class=\"_ _1\"></span>e is<span class=\"_ _1\"></span> no lo<span class=\"_ _1\"></span>nger en<span class=\"_ _1\"></span>forc<span class=\"_ _1\"></span>eable<span class=\"_ _1\"></span> when th<span class=\"_ _1\"></span>e les<span class=\"_ _1\"></span>see and<span class=\"_ _1\"></span> the l<span class=\"_ _1\"></span>esso<span class=\"_ _1\"></span>r each h<span class=\"_ _1\"></span>as th<span class=\"_ _1\"></span>e right<span class=\"_ _1\"></span> to ter<span class=\"_ _1\"></span>mina<span class=\"_ _1\"></span>te the l<span class=\"_ _1\"></span>ease<span class=\"_ _1\"></span> withou<span class=\"_ _1\"></span>t per<span class=\"_ _1\"></span>missi<span class=\"_ _1\"></span>on from t<span class=\"_ _1\"></span>he oth<span class=\"_ _1\"></span>er party wit<span class=\"_ _0\"></span>h no more<span class=\"_ _0\"></span> than an in<span class=\"_ _0\"></span>signifi<span class=\"_ _0\"></span>cant pena<span class=\"_ _0\"></span>lty.<span class=\"ls1 ws1\"> </span>The RO<span class=\"_ _1\"></span>U asset<span class=\"_ _1\"></span> is dep<span class=\"_ _1\"></span>reciated<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er the s<span class=\"_ _1\"></span>hort<span class=\"_ _1\"></span>er of the RO<span class=\"_ _1\"></span>U as<span class=\"_ _1\"></span>set\u2019s<span class=\"_ _1\"></span> useful eco<span class=\"_ _1\"></span>nomic <span class=\"_ _1\"></span>life a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e lease t<span class=\"_ _1\"></span>erm<span class=\"_ _1\"></span> on a straight<span class=\"ls1\">-<span class=\"ls6 ws7\">line basis.</span> </span>The leas<span class=\"_ _1\"></span>es with<span class=\"_ _1\"></span> a rema<span class=\"_ _1\"></span>ining l<span class=\"_ _1\"></span>ease ter<span class=\"_ _1\"></span>m of les<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>n 12 mon<span class=\"_ _1\"></span>ths a<span class=\"_ _1\"></span>re accou<span class=\"_ _1\"></span>nted as<span class=\"_ _1\"></span> short<span class=\"ls1 ws1\">-</span>ter<span class=\"_ _1\"></span>m opera<span class=\"_ _1\"></span>ting<span class=\"_ _1\"></span> leases<span class=\"_ _1\"></span>. Pay<span class=\"_ _1\"></span>ments ma<span class=\"_ _1\"></span>de und<span class=\"_ _1\"></span>er op<span class=\"_ _1\"></span>eratin<span class=\"_ _1\"></span>g leas<span class=\"_ _1\"></span>es (net o<span class=\"_ _1\"></span>f any i<span class=\"_ _1\"></span>ncen<span class=\"_ _1\"></span>tives<span class=\"_ _1\"></span> receiv<span class=\"_ _1\"></span>ed fro<span class=\"_ _1\"></span>m the les<span class=\"_ _1\"></span>so<span class=\"_ _1\"></span>r) are ch<span class=\"_ _1\"></span>arged<span class=\"_ _1\"></span> to profit or loss on a straig<span class=\"_ _0\"></span>ht<span class=\"ls1\">-<span class=\"ls5 ws6\">line bas<span class=\"_ _1\"></span>is ov<span class=\"_ _1\"></span>er the per<span class=\"_ _1\"></span>iod of t<span class=\"_ _1\"></span>he lease.<span class=\"_ _bc\"> </span></span></span><span class=\"ls1\"><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span> </span>1.11<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _9e\"> </span></span></span><span class=\"ws7\">Financial lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>1.11.1<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws7\">Initial recognition<span class=\"_ _1\"></span> and measu<span class=\"_ _1\"></span>rement <span class=\"ls1 ws1\"> </span></span></span></span>The Group recognis<span class=\"_ _1\"></span>es a financia<span class=\"_ _1\"></span>l liability on its<span class=\"_ _1\"></span> statement of financia<span class=\"_ _1\"></span>l position when it<span class=\"_ _1\"></span> becomes a party<span class=\"_ _1\"></span> to the contra<span class=\"_ _1\"></span>ctual prov<span class=\"_ _1\"></span>isions of the in<span class=\"_ _1\"></span>strument. Fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ties not<span class=\"_ _1\"></span> at fair value th<span class=\"_ _1\"></span>rough profit or lo<span class=\"_ _1\"></span>ss are recognised in<span class=\"_ _1\"></span>itially at<span class=\"_ _1\"></span> fair valu<span class=\"_ _1\"></span>e, being th<span class=\"_ _1\"></span>e fair va<span class=\"_ _1\"></span>lue of cons<span class=\"_ _1\"></span>ideration rec<span class=\"_ _1\"></span>eived, net o<span class=\"_ _1\"></span>f transa<span class=\"_ _1\"></span>ction costs<span class=\"_ _1\"></span> that are directly at<span class=\"_ _1\"></span>tributab<span class=\"_ _1\"></span>le to the acquis<span class=\"_ _1\"></span>ition or th<span class=\"_ _1\"></span>e issue of the financia<span class=\"_ _1\"></span>l liability.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>1.11.2<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls8 wsa\">Cl<span class=\"_ _0\"></span>assifica<span class=\"_ _0\"></span>tion and subse<span class=\"_ _0\"></span>quent <span class=\"_ _0\"></span>measur<span class=\"_ _0\"></span>ement <span class=\"ls1 ws1\"> </span></span></span></span>Financial lia<span class=\"_ _1\"></span>bilities are clas<span class=\"_ _1\"></span>sified as<span class=\"_ _1\"></span> subsequen<span class=\"_ _1\"></span>tly measured a<span class=\"_ _1\"></span>t amortised cos<span class=\"_ _1\"></span>t, except for:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws12\">financial lia<span class=\"_ _1\"></span>bilities at fair valu<span class=\"_ _1\"></span>e through profit o<span class=\"_ _1\"></span>r loss: this classification is ap<span class=\"_ _1\"></span>plied to derivatives,<span class=\"_ _1\"></span> financial </span></span>liabilities h<span class=\"_ _1\"></span>eld for tradin<span class=\"_ _1\"></span>g (e.g. s<span class=\"_ _1\"></span>hort pos<span class=\"_ _1\"></span>itions in the t<span class=\"_ _1\"></span>rading bookin<span class=\"_ _1\"></span>g) and other fin<span class=\"_ _1\"></span>ancial liabil<span class=\"_ _1\"></span>ities designated<span class=\"_ _1\"></span> as such<span class=\"_ _1\"></span> at initial recognitio<span class=\"_ _1\"></span>n; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">financial gu<span class=\"_ _1\"></span>arantee contra<span class=\"_ _1\"></span>cts and lo<span class=\"_ _1\"></span>an commitments.<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>Financial lia<span class=\"_ _1\"></span>bilities <span class=\"_ _1\"></span>measured a<span class=\"_ _1\"></span>t amortised co<span class=\"_ _1\"></span>st comprise <span class=\"_ _1\"></span>principa<span class=\"_ _1\"></span>lly amounts<span class=\"_ _1\"></span> owed to ban<span class=\"_ _1\"></span>ks, amoun<span class=\"_ _1\"></span>ts owed to cus<span class=\"_ _1\"></span>tomers, and o<span class=\"_ _1\"></span>ther liabilities<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.11.3<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _2b\"></span><span class=\"ls6 ws8\">Derecognition<span class=\"ls1 ws1\"> </span></span></span></span>The Group derecogni<span class=\"_ _1\"></span>ses a fin<span class=\"_ _1\"></span>ancial liabili<span class=\"_ _1\"></span>ty from its st<span class=\"_ _1\"></span>atement of financial pos<span class=\"_ _1\"></span>ition when th<span class=\"_ _1\"></span>e obligation specified in th<span class=\"_ _1\"></span>e contract or a<span class=\"_ _1\"></span>rrangement is dis<span class=\"_ _1\"></span>charged, is<span class=\"_ _1\"></span> cancelled or expir<span class=\"_ _1\"></span>es.<span class=\"ls1 ws1\"> </span>1.11A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _1\"></span></span><span class=\"ls8 wsa\">Trade and othe<span class=\"_ _0\"></span>r payable<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span>Trade<span class=\"_ _0\"></span> payables co<span class=\"_ _0\"></span>mprise<span class=\"_ _0\"></span> obligati<span class=\"_ _0\"></span>ons to pay f<span class=\"_ _0\"></span>or good<span class=\"_ _0\"></span>s or se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span>s that ha<span class=\"_ _0\"></span>ve bee<span class=\"_ _0\"></span>n acquire<span class=\"_ _0\"></span>d in the or<span class=\"_ _0\"></span>dinary<span class=\"_ _0\"></span> course of<span class=\"_ _0\"></span> business fr<span class=\"_ _0\"></span>om supplie<span class=\"_ _0\"></span>rs.  Acc<span class=\"_ _0\"></span>ounts payable<span class=\"_ _0\"></span> are classifie<span class=\"_ _0\"></span>d as curre<span class=\"_ _0\"></span>nt liabi<span class=\"_ _0\"></span>litie<span class=\"_ _0\"></span>s if payment is due within<span class=\"_ _1\"></span> one y<span class=\"_ _1\"></span>ear or less<span class=\"_ _1\"></span> (or in the n<span class=\"_ _1\"></span>ormal <span class=\"ls8 ws18\">operating cyc<span class=\"_ _0\"></span>le of<span class=\"_ _0\"></span> the busi<span class=\"_ _0\"></span>ness i<span class=\"_ _0\"></span>f longe<span class=\"_ _0\"></span>r).  I<span class=\"_ _0\"></span>f not<span class=\"_ _0\"></span>, the<span class=\"_ _0\"></span>y are pre<span class=\"_ _0\"></span>sented </span>as non<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">current l<span class=\"_ _0\"></span>iabili<span class=\"_ _0\"></span>ties. T<span class=\"_ _0\"></span>rade<span class=\"_ _0\"></span> and other<span class=\"_ _0\"></span> payable<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> rec<span class=\"_ _0\"></span>ognised i<span class=\"_ _0\"></span>nitiall<span class=\"_ _0\"></span>y at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> an<span class=\"_ _0\"></span>d subseque<span class=\"_ _0\"></span>ntly </span></span>measu<span class=\"_ _1\"></span>red at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t usi<span class=\"_ _1\"></span>ng the effe<span class=\"_ _1\"></span>ctiv<span class=\"_ _1\"></span>e interes<span class=\"_ _1\"></span>t met<span class=\"_ _1\"></span>hod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>1.12 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Offsetting finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span></span>Financia<span class=\"_ _0\"></span>l assets an<span class=\"_ _0\"></span>d liabil<span class=\"_ _0\"></span>ities ar<span class=\"_ _0\"></span>e off<span class=\"_ _0\"></span>set and the<span class=\"_ _0\"></span> net am<span class=\"_ _0\"></span>ount repor<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> consolidat<span class=\"_ _11\"></span>ed statement of<span class=\"_ _0\"></span> finan<span class=\"_ _1\"></span>cial po<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n when<span class=\"_ _1\"></span> there is a<span class=\"_ _1\"></span> legally en<span class=\"_ _1\"></span>forceab<span class=\"_ _1\"></span>le righ<span class=\"_ _1\"></span>t to offs<span class=\"_ _1\"></span>et the r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> and ther<span class=\"_ _1\"></span>e is an intention to settle on a <span class=\"_ _0\"></span>net basis or rea<span class=\"ls6 ws7\">lise the asset and settle the lia<span class=\"_ _1\"></span>bility simu<span class=\"_ _1\"></span>ltaneously<span class=\"_ _1\"></span>. </span><span class=\"ls1\"> </span>The Group has ag<span class=\"_ _0\"></span>reem<span class=\"_ _0\"></span>ents in place<span class=\"_ _0\"></span> with thir<span class=\"_ _0\"></span>d parties to co<span class=\"_ _0\"></span>llec<span class=\"_ _0\"></span>t, through the<span class=\"_ _0\"></span> Group\u2019s outle<span class=\"_ _0\"></span>t netw<span class=\"_ _0\"></span>ork, amounts due t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span>se third p<span class=\"_ _0\"></span>artie<span class=\"_ _0\"></span>s owed by t<span class=\"_ _0\"></span>heir c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s. Any amount<span class=\"_ _0\"></span>s coll<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d in respe<span class=\"_ _0\"></span>ct of t<span class=\"_ _0\"></span>hese agree<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>re retain<span class=\"_ _1\"></span>ed by<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p un<span class=\"_ _1\"></span>til set<span class=\"_ _1\"></span>tlement<span class=\"ls1 ws1\"> <span class=\"ls6 ws12\">with the respecti<span class=\"_ _1\"></span>ve third pa<span class=\"_ _1\"></span>rties, during which<span class=\"_ _1\"></span> time </span></span>the Gr<span class=\"_ _0\"></span>oup is expose<span class=\"_ _0\"></span>d to the risks and rew<span class=\"_ _0\"></span>ards em<span class=\"_ _0\"></span>anating f<span class=\"_ _0\"></span>rom the amounts c<span class=\"_ _0\"></span>ollec<span class=\"_ _0\"></span>ted. Such amounts ar<span class=\"_ _0\"></span>e there<span class=\"_ _0\"></span>fore pre<span class=\"_ _0\"></span>sented withi<span class=\"_ _0\"></span>n assets wi<span class=\"_ _0\"></span>th a corre<span class=\"_ _0\"></span>sponding li<span class=\"_ _0\"></span>ability t<span class=\"_ _0\"></span>owards the<span class=\"_ _0\"></span> third part<span class=\"_ _0\"></span>y pre<span class=\"_ _0\"></span>sented w<span class=\"_ _0\"></span>i<span class=\"ws16\">thin </span>trade and othe<span class=\"_ _0\"></span>r paya<span class=\"_ _0\"></span>bles.<span class=\"ls1 ws1\"> </span>1.19<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Financial gu<span class=\"_ _1\"></span>arantee contr<span class=\"_ _1\"></span>acts and<span class=\"_ _1\"></span> loan commitments<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Financia<span class=\"_ _0\"></span>l guarante<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>racts are<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>ts that<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span> the issue<span class=\"_ _0\"></span>r to<span class=\"_ _0\"></span> make spe<span class=\"_ _0\"></span>cifie<span class=\"_ _0\"></span>d payments t<span class=\"_ _0\"></span>o reim<span class=\"_ _0\"></span>burse the<span class=\"_ _0\"></span> holder for a<span class=\"_ _0\"></span> loss it incurs bec<span class=\"_ _0\"></span>ause a spec<span class=\"_ _0\"></span>ifie<span class=\"_ _0\"></span>d debtor<span class=\"_ _0\"></span> fails to m<span class=\"_ _0\"></span>ake paym<span class=\"_ _0\"></span>ents when due<span class=\"_ _0\"></span>, in accordanc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the te<span class=\"_ _0\"></span>rms of a debt<span class=\"_ _0\"></span> instrum<span class=\"_ _0\"></span>ent. S<span class=\"_ _0\"></span>uch <span class=\"ls6 ws39\">financial guaran<span class=\"_ _1\"></span>tees are given to b<span class=\"_ _1\"></span>anks, finan<span class=\"_ _1\"></span>cial </span>institutions<span class=\"_ _0\"></span> and ot<span class=\"_ _0\"></span>her bodie<span class=\"_ _0\"></span>s on be<span class=\"_ _0\"></span>half of<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs.<span class=\"_ _bc\"> </span>In the ordi<span class=\"_ _0\"></span>nary course<span class=\"_ _0\"></span> of busi<span class=\"_ _0\"></span>ness, the B<span class=\"_ _0\"></span>ank issues f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al guar<span class=\"_ _0\"></span>antee c<span class=\"_ _0\"></span>ontract<span class=\"_ _0\"></span>s, consisting o<span class=\"_ _0\"></span>f let<span class=\"_ _0\"></span>ters of credit<span class=\"_ _0\"></span>, guarante<span class=\"_ _0\"></span>es and acc<span class=\"_ _0\"></span>eptance<span class=\"_ _0\"></span>s.  <span class=\"ls1 ws1\"> </span>Financia<span class=\"_ _0\"></span>l guarante<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>racts are<span class=\"_ _0\"></span> initia<span class=\"_ _0\"></span>lly me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easur<span class=\"_ _0\"></span>ed at hig<span class=\"_ _0\"></span>her<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">of:</span> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">the amount<span class=\"_ _1\"></span> of the loss a<span class=\"_ _1\"></span>llowance (calculated<span class=\"_ _1\"></span> as describ<span class=\"_ _1\"></span>ed in no<span class=\"_ _1\"></span>te 1.4.3); and</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws52\">the premiu<span class=\"_ _1\"></span>m received on in<span class=\"_ _1\"></span>itial recogn<span class=\"_ _1\"></span>ition l<span class=\"_ _1\"></span>ess income rec<span class=\"_ _1\"></span>ognised in<span class=\"_ _1\"></span> accordan<span class=\"_ _1\"></span>ce with the prin<span class=\"_ _1\"></span>ciples of<span class=\"_ _1\"></span> </span></span>IFRS 15.<span class=\"ls1 ws1\"> </span>'Loan<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s' are th<span class=\"_ _1\"></span>e B<span class=\"_ _1\"></span>ank\u2019<span class=\"_ _1\"></span>s commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> to pr<span class=\"_ _1\"></span>ovi<span class=\"_ _1\"></span>de credi<span class=\"_ _1\"></span>t und<span class=\"_ _1\"></span>er pre<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>speci<span class=\"_ _1\"></span>fied ter<span class=\"_ _1\"></span>ms an<span class=\"_ _1\"></span>d conditions, a<span class=\"_ _0\"></span>nd are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d at the a<span class=\"_ _0\"></span>mount of<span class=\"_ _0\"></span> the loss all<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>ance (c<span class=\"_ _0\"></span>alculate<span class=\"_ _0\"></span>d as describe<span class=\"_ _0\"></span>d in note<span class=\"_ _0\"></span> 1.4.3<span class=\"_ _0\"></span>).<span class=\"ls1 ws1\"> </span>For loan commitment<span class=\"_ _1\"></span>s and financia<span class=\"_ _1\"></span>l guarantee con<span class=\"_ _1\"></span>tracts, the loss allowance is<span class=\"_ _1\"></span> recognised as a prov<span class=\"_ _1\"></span>ision. Howeve<span class=\"_ _0\"></span>r, for<span class=\"_ _0\"></span> contract<span class=\"_ _0\"></span>s that include<span class=\"_ _0\"></span> both a loan a<span class=\"_ _0\"></span>nd an <span class=\"_ _0\"></span>undrawn co<span class=\"_ _0\"></span>mmitme<span class=\"_ _0\"></span>nt and the B<span class=\"_ _0\"></span>ank cannot separate<span class=\"_ _0\"></span>ly identi<span class=\"_ _0\"></span>fy the e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted cr<span class=\"_ _0\"></span>edit losse<span class=\"_ _0\"></span>s on the<span class=\"_ _0\"></span> und<span class=\"ls5 ws22\">rawn commit<span class=\"_ _1\"></span>ment c<span class=\"_ _1\"></span>ompon<span class=\"_ _1\"></span>ent fr<span class=\"_ _1\"></span>om that<span class=\"_ _1\"></span> on the </span>loan com<span class=\"_ _0\"></span>ponent, the<span class=\"_ _0\"></span> expected c<span class=\"_ _0\"></span>redit l<span class=\"_ _0\"></span>osses on the undr<span class=\"_ _0\"></span>awn commi<span class=\"_ _0\"></span>tment are<span class=\"_ _0\"></span> recogni<span class=\"_ _0\"></span>sed togethe<span class=\"_ _0\"></span>r with the lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e for the lo<span class=\"_ _1\"></span>an. To th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> that th<span class=\"_ _1\"></span>e combin<span class=\"_ _1\"></span>ed expect<span class=\"_ _1\"></span>ed credi<span class=\"_ _1\"></span>t loss<span class=\"_ _1\"></span>es exceed<span class=\"_ _1\"></span> the gro<span class=\"_ _1\"></span>ss carrying a<span class=\"ls5 ws6\">mo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the lo<span class=\"_ _1\"></span>an, the ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>es are rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span> prov<span class=\"_ _1\"></span>ision<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-480": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gse1\">1.11<span class=\"ff5 ls1 ws1\"> <span class=\"ff1\"> <span class=\"_ _9e\"> </span></span></span><span class=\"ws7\">Financial lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gse3\">1.11A<span class=\"ff5 ls1 ws1\">  <span class=\"_ _1\"></span></span><span class=\"ls8 wsa\">Trade and othe<span class=\"_ _0\"></span>r payable<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gse4\">Trade<span class=\"_ _0\"></span> payables co<span class=\"_ _0\"></span>mprise<span class=\"_ _0\"></span> obligati<span class=\"_ _0\"></span>ons to pay f<span class=\"_ _0\"></span>or good<span class=\"_ _0\"></span>s or se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span>s that ha<span class=\"_ _0\"></span>ve bee<span class=\"_ _0\"></span>n acquire<span class=\"_ _0\"></span>d in the or<span class=\"_ _0\"></span>dinary<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gse5\">course of<span class=\"_ _0\"></span> business fr<span class=\"_ _0\"></span>om supplie<span class=\"_ _0\"></span>rs.  Acc<span class=\"_ _0\"></span>ounts payable<span class=\"_ _0\"></span> are classifie<span class=\"_ _0\"></span>d as curre<span class=\"_ _0\"></span>nt liabi<span class=\"_ _0\"></span>litie<span class=\"_ _0\"></span>s if payment is due </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gse6\">within<span class=\"_ _1\"></span> one y<span class=\"_ _1\"></span>ear or less<span class=\"_ _1\"></span> (or in the n<span class=\"_ _1\"></span>ormal <span class=\"ls8 ws18\">operating cyc<span class=\"_ _0\"></span>le of<span class=\"_ _0\"></span> the busi<span class=\"_ _0\"></span>ness i<span class=\"_ _0\"></span>f longe<span class=\"_ _0\"></span>r).  I<span class=\"_ _0\"></span>f not<span class=\"_ _0\"></span>, the<span class=\"_ _0\"></span>y are pre<span class=\"_ _0\"></span>sented </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsc gse7\">as non<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">current l<span class=\"_ _0\"></span>iabili<span class=\"_ _0\"></span>ties. T<span class=\"_ _0\"></span>rade<span class=\"_ _0\"></span> and other<span class=\"_ _0\"></span> payable<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> rec<span class=\"_ _0\"></span>ognised i<span class=\"_ _0\"></span>nitiall<span class=\"_ _0\"></span>y at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> an<span class=\"_ _0\"></span>d subseque<span class=\"_ _0\"></span>ntly </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gse8\">measu<span class=\"_ _1\"></span>red at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t usi<span class=\"_ _1\"></span>ng the effe<span class=\"_ _1\"></span>ctiv<span class=\"_ _1\"></span>e interes<span class=\"_ _1\"></span>t met<span class=\"_ _1\"></span>hod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-12": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span>1.10<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ls8 wsa\">Share c<span class=\"_ _0\"></span>apital and shar<span class=\"_ _0\"></span>e prem<span class=\"_ _0\"></span>ium<span class=\"ls1 ws1\"> </span></span>Ordinary shar<span class=\"_ _0\"></span>es are c<span class=\"_ _0\"></span>lassifi<span class=\"_ _0\"></span>ed as equi<span class=\"_ _0\"></span>ty.  Incre<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>al costs dir<span class=\"_ _0\"></span>ectly a<span class=\"_ _0\"></span>ttributable<span class=\"_ _0\"></span> to the i<span class=\"_ _0\"></span>ssue of<span class=\"_ _0\"></span> new ordina<span class=\"_ _0\"></span>ry shares are<span class=\"_ _0\"></span> shown in e<span class=\"_ _0\"></span>quity as a deduc<span class=\"_ _0\"></span>tion, net o<span class=\"_ _0\"></span>f tax, f<span class=\"_ _0\"></span>rom the pro<span class=\"_ _0\"></span>ceeds. Whe<span class=\"_ _0\"></span>n shares are issue<span class=\"_ _0\"></span>d at a premiu<span class=\"_ _1\"></span>m, the d<span class=\"_ _1\"></span>iffer<span class=\"_ _1\"></span>ence b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> the pro<span class=\"_ _1\"></span>cee<span class=\"ls8 ws2d\">ds and the par value of<span class=\"_ _0\"></span> the share<span class=\"_ _0\"></span>s is rec<span class=\"_ _0\"></span>ognised in the<span class=\"_ _0\"></span> share </span>premi<span class=\"_ _0\"></span>um account.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-511": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gsea\">1.12 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Offsetting finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gseb\">Financia<span class=\"_ _0\"></span>l assets an<span class=\"_ _0\"></span>d liabil<span class=\"_ _0\"></span>ities ar<span class=\"_ _0\"></span>e off<span class=\"_ _0\"></span>set and the<span class=\"_ _0\"></span> net am<span class=\"_ _0\"></span>ount repor<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> consolidat<span class=\"_ _11\"></span>ed statement of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gsec\">finan<span class=\"_ _1\"></span>cial po<span class=\"_ _1\"></span>sitio<span class=\"_ _1\"></span>n when<span class=\"_ _1\"></span> there is a<span class=\"_ _1\"></span> legally en<span class=\"_ _1\"></span>forceab<span class=\"_ _1\"></span>le righ<span class=\"_ _1\"></span>t to offs<span class=\"_ _1\"></span>et the r<span class=\"_ _1\"></span>ecognis<span class=\"_ _1\"></span>ed amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> and ther<span class=\"_ _1\"></span>e is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gsed\">an intention to settle on a <span class=\"_ _0\"></span>net basis or rea<span class=\"ls6 ws7\">lise the asset and settle the lia<span class=\"_ _1\"></span>bility simu<span class=\"_ _1\"></span>ltaneously<span class=\"_ _1\"></span>. </span><span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gsee\">The Group has ag<span class=\"_ _0\"></span>reem<span class=\"_ _0\"></span>ents in place<span class=\"_ _0\"></span> with thir<span class=\"_ _0\"></span>d parties to co<span class=\"_ _0\"></span>llec<span class=\"_ _0\"></span>t, through the<span class=\"_ _0\"></span> Group\u2019s outle<span class=\"_ _0\"></span>t netw<span class=\"_ _0\"></span>ork, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gsef\">amounts due t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span>se third p<span class=\"_ _0\"></span>artie<span class=\"_ _0\"></span>s owed by t<span class=\"_ _0\"></span>heir c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s. Any amount<span class=\"_ _0\"></span>s coll<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d in respe<span class=\"_ _0\"></span>ct of t<span class=\"_ _0\"></span>hese </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gsf0\">agree<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>re retain<span class=\"_ _1\"></span>ed by<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p un<span class=\"_ _1\"></span>til set<span class=\"_ _1\"></span>tlement<span class=\"ls1 ws1\"> <span class=\"ls6 ws12\">with the respecti<span class=\"_ _1\"></span>ve third pa<span class=\"_ _1\"></span>rties, during which<span class=\"_ _1\"></span> time </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gsf1\">the Gr<span class=\"_ _0\"></span>oup is expose<span class=\"_ _0\"></span>d to the risks and rew<span class=\"_ _0\"></span>ards em<span class=\"_ _0\"></span>anating f<span class=\"_ _0\"></span>rom the amounts c<span class=\"_ _0\"></span>ollec<span class=\"_ _0\"></span>ted. Such amounts ar<span class=\"_ _0\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gsf2\">there<span class=\"_ _0\"></span>fore pre<span class=\"_ _0\"></span>sented withi<span class=\"_ _0\"></span>n assets wi<span class=\"_ _0\"></span>th a corre<span class=\"_ _0\"></span>sponding li<span class=\"_ _0\"></span>ability t<span class=\"_ _0\"></span>owards the<span class=\"_ _0\"></span> third part<span class=\"_ _0\"></span>y pre<span class=\"_ _0\"></span>sented w<span class=\"_ _0\"></span>i<span class=\"ws16\">thin </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gsf3\">trade and othe<span class=\"_ _0\"></span>r paya<span class=\"_ _0\"></span>bles.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-547": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gsf5\">1.13 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Provisio<span class=\"_ _1\"></span>ns for liabi<span class=\"_ _1\"></span>lities and other charges<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gsf6\">Provisio<span class=\"_ _1\"></span>ns for legal an<span class=\"_ _1\"></span>d other claims are recognis<span class=\"_ _1\"></span>ed when: <span class=\"_ _1\"></span>the Group h<span class=\"_ _1\"></span>as a presen<span class=\"_ _1\"></span>t legal or const<span class=\"_ _1\"></span>ructive </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gsf7\">oblig<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> as a resul<span class=\"_ _1\"></span>t of past event<span class=\"_ _1\"></span>s; it is p<span class=\"_ _1\"></span>robab<span class=\"_ _1\"></span>le that an out<span class=\"_ _1\"></span>flow of res<span class=\"_ _1\"></span>ources<span class=\"_ _1\"></span> will be requ<span class=\"_ _1\"></span>ired t<span class=\"_ _1\"></span>o settl<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gsf8\">the oblig<span class=\"_ _0\"></span>ation; a<span class=\"_ _0\"></span>nd the amo<span class=\"_ _0\"></span>unt has be<span class=\"_ _0\"></span>en r<span class=\"ls5 ws4d\">eliably es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ted. Pr<span class=\"_ _1\"></span>ovis<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> are not<span class=\"_ _1\"></span> recogni<span class=\"_ _1\"></span>sed for<span class=\"_ _1\"></span> future </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gsf9\">operating lo<span class=\"_ _1\"></span>sses.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gsfa\">Prov<span class=\"_ _1\"></span>ision<span class=\"_ _1\"></span>s are mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at the pr<span class=\"_ _1\"></span>esent v<span class=\"_ _1\"></span>alue o<span class=\"_ _1\"></span>f the exp<span class=\"_ _1\"></span>endi<span class=\"_ _1\"></span>tures<span class=\"_ _1\"></span> expected<span class=\"_ _1\"></span> to be req<span class=\"_ _1\"></span>uired<span class=\"_ _1\"></span> to set<span class=\"_ _1\"></span>tle the<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gsfb\">obligation<span class=\"_ _1\"></span> using a pre<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">tax<span class=\"_ _1\"></span> rate tha<span class=\"_ _1\"></span>t reflects<span class=\"_ _1\"></span> curren<span class=\"_ _1\"></span>t market<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>essment<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e time va<span class=\"_ _1\"></span>lue of money<span class=\"_ _1\"></span> and </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gsfc\">the risks<span class=\"_ _1\"></span> specific to the oblig<span class=\"_ _1\"></span>ation. The in<span class=\"_ _1\"></span>crease in the pro<span class=\"_ _1\"></span>vision d<span class=\"_ _1\"></span>ue to passage of time is<span class=\"_ _1\"></span> recognised as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gsfd\">interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gsff\">1.14    Provisi<span class=\"_ _1\"></span>on for pensi<span class=\"_ _1\"></span>on obligations<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs100\">A subsidia<span class=\"_ _0\"></span>ry of<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span> pro<span class=\"_ _0\"></span>vides f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>obliga<span class=\"_ _0\"></span>tion ari<span class=\"_ _0\"></span>sing i<span class=\"_ _0\"></span>n ter<span class=\"_ _0\"></span>ms of Ar<span class=\"_ _0\"></span>ticle<span class=\"_ _0\"></span> 8A of<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> Pensions<span class=\"_ _0\"></span> Ordinanc<span class=\"_ _0\"></span>e,<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs101\">(Chap<span class=\"_ _1\"></span>ter 93 of t<span class=\"_ _1\"></span>he La<span class=\"_ _1\"></span>ws of M<span class=\"_ _1\"></span>alta)<span class=\"_ _1\"></span>, cover<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>ose form<span class=\"_ _1\"></span>er Go<span class=\"_ _1\"></span>vernm<span class=\"_ _1\"></span>ent emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es who <span class=\"_ _1\"></span>opted<span class=\"_ _1\"></span> to bec<span class=\"_ _1\"></span>ome </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs102\">full<span class=\"ls1 ws1\">-</span><span class=\"ws1a\">ti<span class=\"_ _1\"></span>me empl<span class=\"_ _1\"></span>oyees<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e su<span class=\"_ _1\"></span>bsid<span class=\"_ _1\"></span>iary o<span class=\"_ _1\"></span>f the Ba<span class=\"ls8 ws1b\">nk, and who continued to be<span class=\"_ _0\"></span> enti<span class=\"_ _0\"></span>tled to pension bene<span class=\"_ _0\"></span>fits </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs103\">which g<span class=\"_ _0\"></span>o beyond the<span class=\"_ _0\"></span> National<span class=\"_ _0\"></span> Insurance<span class=\"_ _0\"></span> Sche<span class=\"_ _0\"></span>me.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs104\">The pe<span class=\"_ _0\"></span>nsion rel<span class=\"_ _0\"></span>ated acc<span class=\"_ _0\"></span>ounti<span class=\"_ _0\"></span>ng costs<span class=\"_ _0\"></span> are as<span class=\"_ _0\"></span>sessed <span class=\"_ _0\"></span>using t<span class=\"_ _0\"></span>he proje<span class=\"_ _0\"></span>cted uni<span class=\"_ _0\"></span>t credi<span class=\"_ _0\"></span>t me<span class=\"_ _0\"></span>thod.  Unde<span class=\"_ _0\"></span>r this<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs105\">method, the cost of the<span class=\"_ _0\"></span> subsidiary\u2019s o<span class=\"_ _0\"></span>bligation is charge<span class=\"_ _0\"></span>d to profi<span class=\"_ _0\"></span>t or loss so as to<span class=\"_ _0\"></span> spread the c<span class=\"_ _0\"></span>ost over the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws51 gs106\">years of serv<span class=\"_ _1\"></span>ice giving rise<span class=\"_ _1\"></span> to enti<span class=\"_ _1\"></span>tlement<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls8 ws20\">to benefits i<span class=\"_ _0\"></span>n accorda<span class=\"_ _0\"></span>nce w<span class=\"_ _0\"></span>ith actuar<span class=\"_ _0\"></span>ial technique<span class=\"_ _0\"></span>s. The </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs107\">oblig<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> is meas<span class=\"_ _1\"></span>ured a<span class=\"_ _1\"></span>s the p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e of the es<span class=\"_ _1\"></span>timat<span class=\"_ _1\"></span>ed fut<span class=\"_ _1\"></span>ure cas<span class=\"_ _1\"></span>h out<span class=\"_ _1\"></span>flows u<span class=\"_ _1\"></span>sing i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rates<span class=\"_ _1\"></span> of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs108\">long<span class=\"ls1 ws1\">-<span class=\"ls5 ws32\">ter<span class=\"_ _1\"></span>m Govern<span class=\"_ _1\"></span>ment b<span class=\"_ _1\"></span>onds wh<span class=\"_ _1\"></span>ich h<span class=\"_ _1\"></span>ave terms t<span class=\"_ _1\"></span>o maturit<span class=\"_ _1\"></span>y app<span class=\"_ _1\"></span>roxima<span class=\"_ _1\"></span>ting th<span class=\"_ _1\"></span>e terms o<span class=\"_ _1\"></span>f the rela<span class=\"_ _1\"></span>t<span class=\"ws7\">ed </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs109\">liability.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs10a\">Actuari<span class=\"_ _0\"></span>al gains a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>sses ar<span class=\"_ _0\"></span>ising<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> exper<span class=\"_ _0\"></span>ience adjustm<span class=\"_ _0\"></span>ents and<span class=\"_ _0\"></span> change<span class=\"_ _0\"></span>s in ac<span class=\"_ _0\"></span>tuar<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>ssumptions<span class=\"_ _0\"></span> are<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs10b\">charge<span class=\"_ _0\"></span>d or cre<span class=\"_ _0\"></span>dited to<span class=\"_ _0\"></span> equity in other<span class=\"_ _0\"></span> compre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income i<span class=\"_ _0\"></span>n the per<span class=\"_ _0\"></span>iod in whi<span class=\"_ _0\"></span>ch they arise<span class=\"_ _0\"></span>. Past<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">service </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs10c\">costs a<span class=\"_ _1\"></span>re recognised immedi<span class=\"_ _1\"></span>ately in p<span class=\"_ _1\"></span>rofit o<span class=\"lse ws2c\">r loss.<span class=\"ls1 ws1\">   </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs10d\">The G<span class=\"_ _0\"></span>roup contr<span class=\"_ _0\"></span>ibutes tow<span class=\"_ _0\"></span>ards the g<span class=\"_ _0\"></span>overnme<span class=\"_ _0\"></span>nt pensio<span class=\"_ _0\"></span>n def<span class=\"_ _0\"></span>ined co<span class=\"_ _0\"></span>ntribution <span class=\"_ _0\"></span>plan in<span class=\"_ _0\"></span> acco<span class=\"_ _0\"></span>rdance w<span class=\"_ _0\"></span>ith loc<span class=\"_ _0\"></span>al </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs10e\">legi<span class=\"_ _0\"></span>slation as appli<span class=\"_ _0\"></span>cable a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>o whic<span class=\"_ _0\"></span>h it has no c<span class=\"_ _0\"></span>ommi<span class=\"_ _0\"></span>tment beyond t<span class=\"_ _0\"></span>he payme<span class=\"_ _0\"></span>nt of f<span class=\"_ _0\"></span>ixed c<span class=\"_ _0\"></span>ontributio<span class=\"_ _0\"></span>ns. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs10f\">These o<span class=\"_ _1\"></span>bligat<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> are recogn<span class=\"_ _1\"></span>is<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span>n expen<span class=\"_ _1\"></span>se in<span class=\"ls1 ws1\"> </span>t<span class=\"_ _1\"></span>he Inc<span class=\"_ _1\"></span>ome Statemen<span class=\"_ _1\"></span>t as<span class=\"_ _1\"></span> they a<span class=\"_ _1\"></span>ccrue.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-452": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs111\">1.15 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls5 ws6\">Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs112\">Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e for all i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">bearing finan<span class=\"_ _1\"></span>cial ins<span class=\"_ _1\"></span>truments are recogn<span class=\"_ _1\"></span>ised within \u2018<span class=\"_ _1\"></span>interest </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs113\">income\u2019<span class=\"_ _1\"></span> and \u2018<span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t exp<span class=\"_ _1\"></span>ense\u2019<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>fit or l<span class=\"_ _1\"></span>oss u<span class=\"_ _1\"></span>sing<span class=\"_ _1\"></span> the effec<span class=\"_ _1\"></span>tive <span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t meth<span class=\"_ _1\"></span>od. Th<span class=\"_ _1\"></span>e effec<span class=\"_ _1\"></span>tive in<span class=\"_ _1\"></span>teres<span class=\"_ _1\"></span>t </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws61 gs114\">method is a method<span class=\"_ _1\"></span> of calculating the amo<span class=\"_ _1\"></span>rtised cost of a financia<span class=\"_ _1\"></span>l asset or a financial liabilit<span class=\"_ _1\"></span>y and of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs115\">alloca<span class=\"_ _1\"></span>ting t<span class=\"_ _1\"></span>he int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>r interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se ov<span class=\"_ _1\"></span>er the relev<span class=\"_ _1\"></span>ant p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws72 gs116\">The effect<span class=\"_ _1\"></span>ive i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>coun<span class=\"_ _1\"></span>ts esti<span class=\"_ _1\"></span>mated fu<span class=\"_ _1\"></span>ture cas<span class=\"_ _1\"></span>h payment<span class=\"_ _1\"></span>s or rec<span class=\"_ _1\"></span>eipts </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs117\">through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liab<span class=\"_ _1\"></span>ility to the gro<span class=\"_ _1\"></span>ss carry<span class=\"_ _1\"></span>ing amoun<span class=\"_ _1\"></span>t of a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs118\">financial as<span class=\"_ _1\"></span>set (i.e. its amo<span class=\"_ _1\"></span>rtised cost bef<span class=\"ls7 wsc\">ore any expected cre<span class=\"_ _0\"></span>dit loss allowance)<span class=\"_ _0\"></span> or to the am<span class=\"_ _0\"></span>ortised cost<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs119\">of a financial<span class=\"_ _1\"></span> liability.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws37 gs11a\">The calculation<span class=\"_ _1\"></span> does not consid<span class=\"_ _1\"></span>er expected credit loss<span class=\"_ _1\"></span>es and includ<span class=\"_ _1\"></span>es transaction costs<span class=\"_ _1\"></span>, premiums or </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs11b\">discounts and fe<span class=\"_ _0\"></span>es and point<span class=\"_ _0\"></span>s paid or r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ived that are<span class=\"_ _0\"></span> integral t<span class=\"_ _0\"></span>o the effe<span class=\"_ _0\"></span>ctive inte<span class=\"_ _0\"></span>rest rate,<span class=\"_ _0\"></span> such as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs11c\">originatio<span class=\"_ _1\"></span>n fees. For p<span class=\"_ _1\"></span>urchased o<span class=\"_ _1\"></span>r originated cr<span class=\"_ _1\"></span>ed<span class=\"ws8\">it<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ed (\u2018POCI<span class=\"_ _1\"></span>\u2019) fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets </span>-<span class=\"_ _1\"></span> <span class=\"_ _10\"> </span><span class=\"ls9 ws120\">assets that a<span class=\"_ _1\"></span>re<span class=\"_ _0\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs11d\">credit<span class=\"ls1 ws1\">-</span><span class=\"ws37\">impair<span class=\"_ _1\"></span>ed at initial recogn<span class=\"_ _1\"></span>ition <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span></span>the Group calculat<span class=\"_ _1\"></span>es the credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">adj<span class=\"_ _1\"></span>usted<span class=\"_ _1\"></span> effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te, </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs11e\">which is calcu<span class=\"_ _1\"></span>lated bas<span class=\"_ _1\"></span>ed on the amortised co<span class=\"_ _1\"></span>st of the financial a<span class=\"_ _1\"></span>sset ins<span class=\"_ _1\"></span>tead of its gross c<span class=\"ls8 ws2d\">arrying am<span class=\"_ _0\"></span>ount </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs11f\">and<span class=\"_ _1\"></span> incorp<span class=\"_ _1\"></span>orates<span class=\"_ _1\"></span> the imp<span class=\"_ _1\"></span>act of expec<span class=\"_ _1\"></span>ted c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> in est<span class=\"_ _1\"></span>imated fu<span class=\"_ _1\"></span>ture ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-498": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.14    Provisi<span class=\"_ _1\"></span>on for pensi<span class=\"_ _1\"></span>on obligations<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>A subsidia<span class=\"_ _0\"></span>ry of<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span> pro<span class=\"_ _0\"></span>vides f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>obliga<span class=\"_ _0\"></span>tion ari<span class=\"_ _0\"></span>sing i<span class=\"_ _0\"></span>n ter<span class=\"_ _0\"></span>ms of Ar<span class=\"_ _0\"></span>ticle<span class=\"_ _0\"></span> 8A of<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> Pensions<span class=\"_ _0\"></span> Ordinanc<span class=\"_ _0\"></span>e,<span class=\"_ _0\"></span> (Chap<span class=\"_ _1\"></span>ter 93 of t<span class=\"_ _1\"></span>he La<span class=\"_ _1\"></span>ws of M<span class=\"_ _1\"></span>alta)<span class=\"_ _1\"></span>, cover<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>ose form<span class=\"_ _1\"></span>er Go<span class=\"_ _1\"></span>vernm<span class=\"_ _1\"></span>ent emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es who <span class=\"_ _1\"></span>opted<span class=\"_ _1\"></span> to bec<span class=\"_ _1\"></span>ome full<span class=\"ls1 ws1\">-</span><span class=\"ws1a\">ti<span class=\"_ _1\"></span>me empl<span class=\"_ _1\"></span>oyees<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e su<span class=\"_ _1\"></span>bsid<span class=\"_ _1\"></span>iary o<span class=\"_ _1\"></span>f the Ba<span class=\"ls8 ws1b\">nk, and who continued to be<span class=\"_ _0\"></span> enti<span class=\"_ _0\"></span>tled to pension bene<span class=\"_ _0\"></span>fits </span></span>which g<span class=\"_ _0\"></span>o beyond the<span class=\"_ _0\"></span> National<span class=\"_ _0\"></span> Insurance<span class=\"_ _0\"></span> Sche<span class=\"_ _0\"></span>me.<span class=\"ls1 ws1\"> </span>The pe<span class=\"_ _0\"></span>nsion rel<span class=\"_ _0\"></span>ated acc<span class=\"_ _0\"></span>ounti<span class=\"_ _0\"></span>ng costs<span class=\"_ _0\"></span> are as<span class=\"_ _0\"></span>sessed <span class=\"_ _0\"></span>using t<span class=\"_ _0\"></span>he proje<span class=\"_ _0\"></span>cted uni<span class=\"_ _0\"></span>t credi<span class=\"_ _0\"></span>t me<span class=\"_ _0\"></span>thod.  Unde<span class=\"_ _0\"></span>r this<span class=\"_ _0\"></span> method, the cost of the<span class=\"_ _0\"></span> subsidiary\u2019s o<span class=\"_ _0\"></span>bligation is charge<span class=\"_ _0\"></span>d to profi<span class=\"_ _0\"></span>t or loss so as to<span class=\"_ _0\"></span> spread the c<span class=\"_ _0\"></span>ost over the years of serv<span class=\"_ _1\"></span>ice giving rise<span class=\"_ _1\"></span> to enti<span class=\"_ _1\"></span>tlement<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls8 ws20\">to benefits i<span class=\"_ _0\"></span>n accorda<span class=\"_ _0\"></span>nce w<span class=\"_ _0\"></span>ith actuar<span class=\"_ _0\"></span>ial technique<span class=\"_ _0\"></span>s. The </span></span>oblig<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> is meas<span class=\"_ _1\"></span>ured a<span class=\"_ _1\"></span>s the p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e of the es<span class=\"_ _1\"></span>timat<span class=\"_ _1\"></span>ed fut<span class=\"_ _1\"></span>ure cas<span class=\"_ _1\"></span>h out<span class=\"_ _1\"></span>flows u<span class=\"_ _1\"></span>sing i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rates<span class=\"_ _1\"></span> of long<span class=\"ls1 ws1\">-<span class=\"ls5 ws32\">ter<span class=\"_ _1\"></span>m Govern<span class=\"_ _1\"></span>ment b<span class=\"_ _1\"></span>onds wh<span class=\"_ _1\"></span>ich h<span class=\"_ _1\"></span>ave terms t<span class=\"_ _1\"></span>o maturit<span class=\"_ _1\"></span>y app<span class=\"_ _1\"></span>roxima<span class=\"_ _1\"></span>ting th<span class=\"_ _1\"></span>e terms o<span class=\"_ _1\"></span>f the rela<span class=\"_ _1\"></span>t<span class=\"ws7\">ed </span></span></span>liability.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span>Actuari<span class=\"_ _0\"></span>al gains a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>sses ar<span class=\"_ _0\"></span>ising<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> exper<span class=\"_ _0\"></span>ience adjustm<span class=\"_ _0\"></span>ents and<span class=\"_ _0\"></span> change<span class=\"_ _0\"></span>s in ac<span class=\"_ _0\"></span>tuar<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>ssumptions<span class=\"_ _0\"></span> are<span class=\"_ _0\"></span> charge<span class=\"_ _0\"></span>d or cre<span class=\"_ _0\"></span>dited to<span class=\"_ _0\"></span> equity in other<span class=\"_ _0\"></span> compre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income i<span class=\"_ _0\"></span>n the per<span class=\"_ _0\"></span>iod in whi<span class=\"_ _0\"></span>ch they arise<span class=\"_ _0\"></span>. Past<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">service </span></span>costs a<span class=\"_ _1\"></span>re recognised immedi<span class=\"_ _1\"></span>ately in p<span class=\"_ _1\"></span>rofit o<span class=\"lse ws2c\">r loss.<span class=\"ls1 ws1\">   </span></span>The G<span class=\"_ _0\"></span>roup contr<span class=\"_ _0\"></span>ibutes tow<span class=\"_ _0\"></span>ards the g<span class=\"_ _0\"></span>overnme<span class=\"_ _0\"></span>nt pensio<span class=\"_ _0\"></span>n def<span class=\"_ _0\"></span>ined co<span class=\"_ _0\"></span>ntribution <span class=\"_ _0\"></span>plan in<span class=\"_ _0\"></span> acco<span class=\"_ _0\"></span>rdance w<span class=\"_ _0\"></span>ith loc<span class=\"_ _0\"></span>al legi<span class=\"_ _0\"></span>slation as appli<span class=\"_ _0\"></span>cable a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>o whic<span class=\"_ _0\"></span>h it has no c<span class=\"_ _0\"></span>ommi<span class=\"_ _0\"></span>tment beyond t<span class=\"_ _0\"></span>he payme<span class=\"_ _0\"></span>nt of f<span class=\"_ _0\"></span>ixed c<span class=\"_ _0\"></span>ontributio<span class=\"_ _0\"></span>ns. These o<span class=\"_ _1\"></span>bligat<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> are recogn<span class=\"_ _1\"></span>is<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span>n expen<span class=\"_ _1\"></span>se in<span class=\"ls1 ws1\"> </span>t<span class=\"_ _1\"></span>he Inc<span class=\"_ _1\"></span>ome Statemen<span class=\"_ _1\"></span>t as<span class=\"_ _1\"></span> they a<span class=\"_ _1\"></span>ccrue.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-529": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.15 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls5 ws6\">Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e</span> </span>Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e for all i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">bearing finan<span class=\"_ _1\"></span>cial ins<span class=\"_ _1\"></span>truments are recogn<span class=\"_ _1\"></span>ised within \u2018<span class=\"_ _1\"></span>interest </span></span>income\u2019<span class=\"_ _1\"></span> and \u2018<span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t exp<span class=\"_ _1\"></span>ense\u2019<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>fit or l<span class=\"_ _1\"></span>oss u<span class=\"_ _1\"></span>sing<span class=\"_ _1\"></span> the effec<span class=\"_ _1\"></span>tive <span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t meth<span class=\"_ _1\"></span>od. Th<span class=\"_ _1\"></span>e effec<span class=\"_ _1\"></span>tive in<span class=\"_ _1\"></span>teres<span class=\"_ _1\"></span>t method is a method<span class=\"_ _1\"></span> of calculating the amo<span class=\"_ _1\"></span>rtised cost of a financia<span class=\"_ _1\"></span>l asset or a financial liabilit<span class=\"_ _1\"></span>y and of alloca<span class=\"_ _1\"></span>ting t<span class=\"_ _1\"></span>he int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>r interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se ov<span class=\"_ _1\"></span>er the relev<span class=\"_ _1\"></span>ant p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The effect<span class=\"_ _1\"></span>ive i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>coun<span class=\"_ _1\"></span>ts esti<span class=\"_ _1\"></span>mated fu<span class=\"_ _1\"></span>ture cas<span class=\"_ _1\"></span>h payment<span class=\"_ _1\"></span>s or rec<span class=\"_ _1\"></span>eipts through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liab<span class=\"_ _1\"></span>ility to the gro<span class=\"_ _1\"></span>ss carry<span class=\"_ _1\"></span>ing amoun<span class=\"_ _1\"></span>t of a financial as<span class=\"_ _1\"></span>set (i.e. its amo<span class=\"_ _1\"></span>rtised cost bef<span class=\"ls7 wsc\">ore any expected cre<span class=\"_ _0\"></span>dit loss allowance)<span class=\"_ _0\"></span> or to the am<span class=\"_ _0\"></span>ortised cost<span class=\"_ _0\"></span> </span>of a financial<span class=\"_ _1\"></span> liability.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>The calculation<span class=\"_ _1\"></span> does not consid<span class=\"_ _1\"></span>er expected credit loss<span class=\"_ _1\"></span>es and includ<span class=\"_ _1\"></span>es transaction costs<span class=\"_ _1\"></span>, premiums or discounts and fe<span class=\"_ _0\"></span>es and point<span class=\"_ _0\"></span>s paid or r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ived that are<span class=\"_ _0\"></span> integral t<span class=\"_ _0\"></span>o the effe<span class=\"_ _0\"></span>ctive inte<span class=\"_ _0\"></span>rest rate,<span class=\"_ _0\"></span> such as originatio<span class=\"_ _1\"></span>n fees. For p<span class=\"_ _1\"></span>urchased o<span class=\"_ _1\"></span>r originated cr<span class=\"_ _1\"></span>ed<span class=\"ws8\">it<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ed (\u2018POCI<span class=\"_ _1\"></span>\u2019) fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets </span>-<span class=\"_ _1\"></span> <span class=\"_ _10\"> </span><span class=\"ls9 ws120\">assets that a<span class=\"_ _1\"></span>re<span class=\"_ _0\"></span> </span></span></span>credit<span class=\"ls1 ws1\">-</span><span class=\"ws37\">impair<span class=\"_ _1\"></span>ed at initial recogn<span class=\"_ _1\"></span>ition <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span></span>the Group calculat<span class=\"_ _1\"></span>es the credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">adj<span class=\"_ _1\"></span>usted<span class=\"_ _1\"></span> effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te, </span></span></span>which is calcu<span class=\"_ _1\"></span>lated bas<span class=\"_ _1\"></span>ed on the amortised co<span class=\"_ _1\"></span>st of the financial a<span class=\"_ _1\"></span>sset ins<span class=\"_ _1\"></span>tead of its gross c<span class=\"ls8 ws2d\">arrying am<span class=\"_ _0\"></span>ount </span>and<span class=\"_ _1\"></span> incorp<span class=\"_ _1\"></span>orates<span class=\"_ _1\"></span> the imp<span class=\"_ _1\"></span>act of expec<span class=\"_ _1\"></span>ted c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> in est<span class=\"_ _1\"></span>imated fu<span class=\"_ _1\"></span>ture ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-536": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.15 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls5 ws6\">Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e</span> </span>Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e for all i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">bearing finan<span class=\"_ _1\"></span>cial ins<span class=\"_ _1\"></span>truments are recogn<span class=\"_ _1\"></span>ised within \u2018<span class=\"_ _1\"></span>interest </span></span>income\u2019<span class=\"_ _1\"></span> and \u2018<span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t exp<span class=\"_ _1\"></span>ense\u2019<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>fit or l<span class=\"_ _1\"></span>oss u<span class=\"_ _1\"></span>sing<span class=\"_ _1\"></span> the effec<span class=\"_ _1\"></span>tive <span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t meth<span class=\"_ _1\"></span>od. Th<span class=\"_ _1\"></span>e effec<span class=\"_ _1\"></span>tive in<span class=\"_ _1\"></span>teres<span class=\"_ _1\"></span>t method is a method<span class=\"_ _1\"></span> of calculating the amo<span class=\"_ _1\"></span>rtised cost of a financia<span class=\"_ _1\"></span>l asset or a financial liabilit<span class=\"_ _1\"></span>y and of alloca<span class=\"_ _1\"></span>ting t<span class=\"_ _1\"></span>he int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>r interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se ov<span class=\"_ _1\"></span>er the relev<span class=\"_ _1\"></span>ant p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The effect<span class=\"_ _1\"></span>ive i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>coun<span class=\"_ _1\"></span>ts esti<span class=\"_ _1\"></span>mated fu<span class=\"_ _1\"></span>ture cas<span class=\"_ _1\"></span>h payment<span class=\"_ _1\"></span>s or rec<span class=\"_ _1\"></span>eipts through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liab<span class=\"_ _1\"></span>ility to the gro<span class=\"_ _1\"></span>ss carry<span class=\"_ _1\"></span>ing amoun<span class=\"_ _1\"></span>t of a financial as<span class=\"_ _1\"></span>set (i.e. its amo<span class=\"_ _1\"></span>rtised cost bef<span class=\"ls7 wsc\">ore any expected cre<span class=\"_ _0\"></span>dit loss allowance)<span class=\"_ _0\"></span> or to the am<span class=\"_ _0\"></span>ortised cost<span class=\"_ _0\"></span> </span>of a financial<span class=\"_ _1\"></span> liability.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>The calculation<span class=\"_ _1\"></span> does not consid<span class=\"_ _1\"></span>er expected credit loss<span class=\"_ _1\"></span>es and includ<span class=\"_ _1\"></span>es transaction costs<span class=\"_ _1\"></span>, premiums or discounts and fe<span class=\"_ _0\"></span>es and point<span class=\"_ _0\"></span>s paid or r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ived that are<span class=\"_ _0\"></span> integral t<span class=\"_ _0\"></span>o the effe<span class=\"_ _0\"></span>ctive inte<span class=\"_ _0\"></span>rest rate,<span class=\"_ _0\"></span> such as originatio<span class=\"_ _1\"></span>n fees. For p<span class=\"_ _1\"></span>urchased o<span class=\"_ _1\"></span>r originated cr<span class=\"_ _1\"></span>ed<span class=\"ws8\">it<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ed (\u2018POCI<span class=\"_ _1\"></span>\u2019) fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets </span>-<span class=\"_ _1\"></span> <span class=\"_ _10\"> </span><span class=\"ls9 ws120\">assets that a<span class=\"_ _1\"></span>re<span class=\"_ _0\"></span> </span></span></span>credit<span class=\"ls1 ws1\">-</span><span class=\"ws37\">impair<span class=\"_ _1\"></span>ed at initial recogn<span class=\"_ _1\"></span>ition <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span></span>the Group calculat<span class=\"_ _1\"></span>es the credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">adj<span class=\"_ _1\"></span>usted<span class=\"_ _1\"></span> effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te, </span></span></span>which is calcu<span class=\"_ _1\"></span>lated bas<span class=\"_ _1\"></span>ed on the amortised co<span class=\"_ _1\"></span>st of the financial a<span class=\"_ _1\"></span>sset ins<span class=\"_ _1\"></span>tead of its gross c<span class=\"ls8 ws2d\">arrying am<span class=\"_ _0\"></span>ount </span>and<span class=\"_ _1\"></span> incorp<span class=\"_ _1\"></span>orates<span class=\"_ _1\"></span> the imp<span class=\"_ _1\"></span>act of expec<span class=\"_ _1\"></span>ted c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> in est<span class=\"_ _1\"></span>imated fu<span class=\"_ _1\"></span>ture ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-541": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.15 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls5 ws6\">Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e</span> </span>Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e for all i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">bearing finan<span class=\"_ _1\"></span>cial ins<span class=\"_ _1\"></span>truments are recogn<span class=\"_ _1\"></span>ised within \u2018<span class=\"_ _1\"></span>interest </span></span>income\u2019<span class=\"_ _1\"></span> and \u2018<span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t exp<span class=\"_ _1\"></span>ense\u2019<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>fit or l<span class=\"_ _1\"></span>oss u<span class=\"_ _1\"></span>sing<span class=\"_ _1\"></span> the effec<span class=\"_ _1\"></span>tive <span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t meth<span class=\"_ _1\"></span>od. Th<span class=\"_ _1\"></span>e effec<span class=\"_ _1\"></span>tive in<span class=\"_ _1\"></span>teres<span class=\"_ _1\"></span>t method is a method<span class=\"_ _1\"></span> of calculating the amo<span class=\"_ _1\"></span>rtised cost of a financia<span class=\"_ _1\"></span>l asset or a financial liabilit<span class=\"_ _1\"></span>y and of alloca<span class=\"_ _1\"></span>ting t<span class=\"_ _1\"></span>he int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>r interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se ov<span class=\"_ _1\"></span>er the relev<span class=\"_ _1\"></span>ant p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The effect<span class=\"_ _1\"></span>ive i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>coun<span class=\"_ _1\"></span>ts esti<span class=\"_ _1\"></span>mated fu<span class=\"_ _1\"></span>ture cas<span class=\"_ _1\"></span>h payment<span class=\"_ _1\"></span>s or rec<span class=\"_ _1\"></span>eipts through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liab<span class=\"_ _1\"></span>ility to the gro<span class=\"_ _1\"></span>ss carry<span class=\"_ _1\"></span>ing amoun<span class=\"_ _1\"></span>t of a financial as<span class=\"_ _1\"></span>set (i.e. its amo<span class=\"_ _1\"></span>rtised cost bef<span class=\"ls7 wsc\">ore any expected cre<span class=\"_ _0\"></span>dit loss allowance)<span class=\"_ _0\"></span> or to the am<span class=\"_ _0\"></span>ortised cost<span class=\"_ _0\"></span> </span>of a financial<span class=\"_ _1\"></span> liability.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>The calculation<span class=\"_ _1\"></span> does not consid<span class=\"_ _1\"></span>er expected credit loss<span class=\"_ _1\"></span>es and includ<span class=\"_ _1\"></span>es transaction costs<span class=\"_ _1\"></span>, premiums or discounts and fe<span class=\"_ _0\"></span>es and point<span class=\"_ _0\"></span>s paid or r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ived that are<span class=\"_ _0\"></span> integral t<span class=\"_ _0\"></span>o the effe<span class=\"_ _0\"></span>ctive inte<span class=\"_ _0\"></span>rest rate,<span class=\"_ _0\"></span> such as originatio<span class=\"_ _1\"></span>n fees. For p<span class=\"_ _1\"></span>urchased o<span class=\"_ _1\"></span>r originated cr<span class=\"_ _1\"></span>ed<span class=\"ws8\">it<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ed (\u2018POCI<span class=\"_ _1\"></span>\u2019) fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets </span>-<span class=\"_ _1\"></span> <span class=\"_ _10\"> </span><span class=\"ls9 ws120\">assets that a<span class=\"_ _1\"></span>re<span class=\"_ _0\"></span> </span></span></span>credit<span class=\"ls1 ws1\">-</span><span class=\"ws37\">impair<span class=\"_ _1\"></span>ed at initial recogn<span class=\"_ _1\"></span>ition <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span></span>the Group calculat<span class=\"_ _1\"></span>es the credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">adj<span class=\"_ _1\"></span>usted<span class=\"_ _1\"></span> effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te, </span></span></span>which is calcu<span class=\"_ _1\"></span>lated bas<span class=\"_ _1\"></span>ed on the amortised co<span class=\"_ _1\"></span>st of the financial a<span class=\"_ _1\"></span>sset ins<span class=\"_ _1\"></span>tead of its gross c<span class=\"ls8 ws2d\">arrying am<span class=\"_ _0\"></span>ount </span>and<span class=\"_ _1\"></span> incorp<span class=\"_ _1\"></span>orates<span class=\"_ _1\"></span> the imp<span class=\"_ _1\"></span>act of expec<span class=\"_ _1\"></span>ted c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> in est<span class=\"_ _1\"></span>imated fu<span class=\"_ _1\"></span>ture ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-481": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs121\">1.16 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls5 ws6\">Fees an<span class=\"_ _1\"></span>d commis<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs122\">Fee and<span class=\"_ _1\"></span> commis<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span> income<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e that<span class=\"_ _1\"></span> are an i<span class=\"_ _1\"></span>ntegral p<span class=\"_ _1\"></span>art of t<span class=\"_ _1\"></span>he effe<span class=\"_ _1\"></span>ctive in<span class=\"_ _1\"></span>teres<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e on a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs123\">financial as<span class=\"_ _1\"></span>set or liability<span class=\"_ _1\"></span> are included in the calculat<span class=\"_ _1\"></span>ion of the effective interes<span class=\"_ _1\"></span>t rate and treated as<span class=\"_ _1\"></span> part of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs124\">effectiv<span class=\"_ _1\"></span>e inter<span class=\"_ _1\"></span>est.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs125\">Other f<span class=\"_ _0\"></span>ees and com<span class=\"_ _0\"></span>missions<span class=\"_ _0\"></span> are g<span class=\"_ _0\"></span>ener<span class=\"_ _0\"></span>ally recog<span class=\"_ _0\"></span>nised on an ac<span class=\"_ _0\"></span>crual basi<span class=\"_ _11\"></span>s when the se<span class=\"_ _0\"></span>rvice ha<span class=\"_ _0\"></span>s been </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws121 gs126\">provid<span class=\"_ _1\"></span>ed. Accordingly,<span class=\"_ _1\"></span> fee and commission in<span class=\"_ _1\"></span>come, comprising accoun<span class=\"_ _1\"></span>t servicing fees, inv<span class=\"_ _1\"></span>estment </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws73 gs127\">manag<span class=\"_ _1\"></span>ement fe<span class=\"_ _1\"></span>es, p<span class=\"_ _1\"></span>lacemen<span class=\"_ _1\"></span>t fees<span class=\"_ _1\"></span> and o<span class=\"_ _1\"></span>ther s<span class=\"_ _1\"></span>imilar f<span class=\"_ _1\"></span>ees<span class=\"_ _1\"></span>, are reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> as th<span class=\"_ _1\"></span>e relat<span class=\"_ _1\"></span>ed ser<span class=\"_ _1\"></span>vices a<span class=\"_ _1\"></span>re </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs128\">perform<span class=\"_ _1\"></span>ed. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs129\">Loan<span class=\"_ _1\"></span> commitm<span class=\"_ _1\"></span>ent fe<span class=\"_ _1\"></span>es for lo<span class=\"_ _1\"></span>ans t<span class=\"_ _1\"></span>hat are li<span class=\"_ _1\"></span>kely to<span class=\"_ _1\"></span> be dra<span class=\"_ _1\"></span>wn down<span class=\"_ _1\"></span> are def<span class=\"_ _1\"></span>erred (t<span class=\"_ _1\"></span>ogeth<span class=\"_ _1\"></span>er wit<span class=\"_ _1\"></span>h relat<span class=\"_ _1\"></span>ed direct<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs12a\">cost<span class=\"_ _1\"></span>s) and<span class=\"_ _1\"></span> recogn<span class=\"_ _1\"></span>ised a<span class=\"_ _1\"></span>s an a<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>tment t<span class=\"_ _1\"></span>o the e<span class=\"_ _1\"></span>ffecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> rate on<span class=\"_ _1\"></span> the loa<span class=\"_ _1\"></span>n. Wh<span class=\"_ _1\"></span>en a l<span class=\"_ _1\"></span>oan<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs12b\">is no<span class=\"_ _1\"></span>t expect<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> resul<span class=\"_ _1\"></span>t in th<span class=\"_ _1\"></span>e dr<span class=\"_ _1\"></span>awdown<span class=\"_ _1\"></span> of a <span class=\"_ _1\"></span>loan<span class=\"_ _1\"></span>, the rel<span class=\"_ _1\"></span>ated<span class=\"_ _1\"></span> loan<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment f<span class=\"_ _1\"></span>ees a<span class=\"_ _1\"></span>re rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed on<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs12c\">a straigh<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">line ba<span class=\"_ _1\"></span>sis o<span class=\"_ _1\"></span>ver th<span class=\"_ _1\"></span>e commitment<span class=\"_ _1\"></span> period<span class=\"_ _1\"></span>. </span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs12d\">Fee and<span class=\"_ _1\"></span> commis<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e, rela<span class=\"_ _1\"></span>ting mai<span class=\"_ _1\"></span>nly to<span class=\"_ _1\"></span> tran<span class=\"_ _1\"></span>sactio<span class=\"_ _1\"></span>n and s<span class=\"_ _1\"></span>ervice fees<span class=\"_ _1\"></span>, are exp<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>d as<span class=\"_ _1\"></span> the serv<span class=\"_ _1\"></span>ices </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs12e\">are rec<span class=\"_ _1\"></span>eived.<span class=\"_ _bc\"> </span><span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-13": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span>1.15 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls5 ws6\">Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e</span> </span>Interes<span class=\"_ _1\"></span>t inc<span class=\"_ _1\"></span>ome and<span class=\"_ _1\"></span> expens<span class=\"_ _1\"></span>e for all i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">bearing finan<span class=\"_ _1\"></span>cial ins<span class=\"_ _1\"></span>truments are recogn<span class=\"_ _1\"></span>ised within \u2018<span class=\"_ _1\"></span>interest </span></span>income\u2019<span class=\"_ _1\"></span> and \u2018<span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t exp<span class=\"_ _1\"></span>ense\u2019<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>fit or l<span class=\"_ _1\"></span>oss u<span class=\"_ _1\"></span>sing<span class=\"_ _1\"></span> the effec<span class=\"_ _1\"></span>tive <span class=\"_ _1\"></span>interes<span class=\"_ _1\"></span>t meth<span class=\"_ _1\"></span>od. Th<span class=\"_ _1\"></span>e effec<span class=\"_ _1\"></span>tive in<span class=\"_ _1\"></span>teres<span class=\"_ _1\"></span>t method is a method<span class=\"_ _1\"></span> of calculating the amo<span class=\"_ _1\"></span>rtised cost of a financia<span class=\"_ _1\"></span>l asset or a financial liabilit<span class=\"_ _1\"></span>y and of alloca<span class=\"_ _1\"></span>ting t<span class=\"_ _1\"></span>he int<span class=\"_ _1\"></span>erest in<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>r interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se ov<span class=\"_ _1\"></span>er the relev<span class=\"_ _1\"></span>ant p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The effect<span class=\"_ _1\"></span>ive i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate is<span class=\"_ _1\"></span> the rate t<span class=\"_ _1\"></span>hat exact<span class=\"_ _1\"></span>ly dis<span class=\"_ _1\"></span>coun<span class=\"_ _1\"></span>ts esti<span class=\"_ _1\"></span>mated fu<span class=\"_ _1\"></span>ture cas<span class=\"_ _1\"></span>h payment<span class=\"_ _1\"></span>s or rec<span class=\"_ _1\"></span>eipts through<span class=\"_ _1\"></span> the expected lif<span class=\"_ _1\"></span>e of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>et or finan<span class=\"_ _1\"></span>cial liab<span class=\"_ _1\"></span>ility to the gro<span class=\"_ _1\"></span>ss carry<span class=\"_ _1\"></span>ing amoun<span class=\"_ _1\"></span>t of a financial as<span class=\"_ _1\"></span>set (i.e. its amo<span class=\"_ _1\"></span>rtised cost bef<span class=\"ls7 wsc\">ore any expected cre<span class=\"_ _0\"></span>dit loss allowance)<span class=\"_ _0\"></span> or to the am<span class=\"_ _0\"></span>ortised cost<span class=\"_ _0\"></span> </span>of a financial<span class=\"_ _1\"></span> liability.<span class=\"_ _bc\"> </span>The calculation<span class=\"_ _1\"></span> does not consid<span class=\"_ _1\"></span>er expected credit loss<span class=\"_ _1\"></span>es and includ<span class=\"_ _1\"></span>es transaction costs<span class=\"_ _1\"></span>, premiums or discounts and fe<span class=\"_ _0\"></span>es and point<span class=\"_ _0\"></span>s paid or r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ived that are<span class=\"_ _0\"></span> integral t<span class=\"_ _0\"></span>o the effe<span class=\"_ _0\"></span>ctive inte<span class=\"_ _0\"></span>rest rate,<span class=\"_ _0\"></span> such as originatio<span class=\"_ _1\"></span>n fees. For p<span class=\"_ _1\"></span>urchased o<span class=\"_ _1\"></span>r originated cr<span class=\"_ _1\"></span>ed<span class=\"ws8\">it<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">imp<span class=\"_ _1\"></span>air<span class=\"_ _1\"></span>ed (\u2018POCI<span class=\"_ _1\"></span>\u2019) fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets </span>-<span class=\"_ _1\"></span> <span class=\"_ _10\"> </span><span class=\"ls9 ws120\">assets that a<span class=\"_ _1\"></span>re<span class=\"_ _0\"></span> </span></span></span>credit<span class=\"ls1 ws1\">-</span><span class=\"ws37\">impair<span class=\"_ _1\"></span>ed at initial recogn<span class=\"_ _1\"></span>ition <span class=\"ls1 ws1\">- <span class=\"_ _15\"> </span></span>the Group calculat<span class=\"_ _1\"></span>es the credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">adj<span class=\"_ _1\"></span>usted<span class=\"_ _1\"></span> effecti<span class=\"_ _1\"></span>ve inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te, </span></span></span>which is calcu<span class=\"_ _1\"></span>lated bas<span class=\"_ _1\"></span>ed on the amortised co<span class=\"_ _1\"></span>st of the financial a<span class=\"_ _1\"></span>sset ins<span class=\"_ _1\"></span>tead of its gross c<span class=\"ls8 ws2d\">arrying am<span class=\"_ _0\"></span>ount </span>and<span class=\"_ _1\"></span> incorp<span class=\"_ _1\"></span>orates<span class=\"_ _1\"></span> the imp<span class=\"_ _1\"></span>act of expec<span class=\"_ _1\"></span>ted c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> in est<span class=\"_ _1\"></span>imated fu<span class=\"_ _1\"></span>ture ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingCostsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-453": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs130\">1.18<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ls5 ws6\">Curren<span class=\"_ _1\"></span>t and<span class=\"_ _1\"></span> deferred i<span class=\"_ _1\"></span>nco<span class=\"_ _1\"></span>me tax<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div>Deferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax i<span class=\"_ _1\"></span>s recognis<span class=\"_ _1\"></span>ed, us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e liabilit<span class=\"_ _1\"></span>y metho<span class=\"_ _1\"></span>d, on temp<span class=\"_ _1\"></span>orary<span class=\"_ _1\"></span> differen<span class=\"_ _1\"></span>ces a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g between the tax bases<span class=\"_ _1\"></span> of assets and liabilities and th<span class=\"_ _1\"></span>eir carrying amounts in<span class=\"_ _1\"></span> the consolidat<span class=\"_ _1\"></span>ed financial statements. However<span class=\"_ _1\"></span>, deferr<span class=\"_ _1\"></span>ed ta<span class=\"_ _1\"></span>x liabi<span class=\"_ _1\"></span>lities a<span class=\"_ _1\"></span>re not r<span class=\"ls6 ws49\">ecogn<span class=\"_ _1\"></span>ised if they arise from th<span class=\"_ _1\"></span>e initial recognition of go<span class=\"_ _1\"></span>odwill; </span>deferred inco<span class=\"_ _1\"></span>me tax is no<span class=\"_ _1\"></span>t accounted<span class=\"_ _1\"></span> for if it arises fro<span class=\"_ _1\"></span>m initia<span class=\"_ _1\"></span>l recognition o<span class=\"_ _1\"></span>f an asset o<span class=\"_ _1\"></span>r liability in<span class=\"_ _1\"></span> a transaction other than<span class=\"_ _0\"></span> a bu<span class=\"_ _0\"></span>siness combination that<span class=\"_ _0\"></span> at <span class=\"_ _0\"></span>the time<span class=\"_ _0\"></span> of the transaction<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls5 ws80\">a<span class=\"_ _1\"></span>ffects n<span class=\"_ _1\"></span>either </span></span>accounting<span class=\"_ _0\"></span> nor taxabl<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it or loss. D<span class=\"_ _0\"></span>efe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncome tax is de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ined using t<span class=\"_ _0\"></span>ax rates (and l<span class=\"_ _0\"></span>aws) that<span class=\"_ _0\"></span> have bee<span class=\"_ _0\"></span>n enacte<span class=\"_ _0\"></span>d or substantive<span class=\"_ _0\"></span>ly enac<span class=\"_ _0\"></span>ted by the<span class=\"_ _0\"></span> end of the repor<span class=\"_ _0\"></span>ting per<span class=\"_ _0\"></span>iod and are expe<span class=\"_ _0\"></span>cted to a<span class=\"_ _0\"></span>pply when th<span class=\"_ _1\"></span>e related<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red in<span class=\"_ _1\"></span>come t<span class=\"_ _1\"></span>ax as<span class=\"_ _1\"></span>set is<span class=\"_ _1\"></span> realis<span class=\"_ _1\"></span>ed or the d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax lia<span class=\"_ _1\"></span>bilit<span class=\"_ _1\"></span>y is s<span class=\"_ _1\"></span>ettled.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>Deferred<span class=\"_ _1\"></span> inco<span class=\"_ _1\"></span>me tax a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s are recogn<span class=\"_ _1\"></span>ised o<span class=\"_ _1\"></span>nly t<span class=\"_ _1\"></span>o the ext<span class=\"_ _1\"></span>ent th<span class=\"_ _1\"></span>at it is p<span class=\"_ _1\"></span>robab<span class=\"_ _1\"></span>le that<span class=\"_ _1\"></span> future ta<span class=\"_ _1\"></span>xable p<span class=\"_ _1\"></span>rofit<span class=\"_ _1\"></span> will be availab<span class=\"_ _1\"></span>le against whi<span class=\"_ _1\"></span>ch the tempo<span class=\"_ _1\"></span>rary differences<span class=\"_ _1\"></span> can be u<span class=\"_ _1\"></span>tilised. <span class=\"ls1 ws1\"> </span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs132\">Deferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax i<span class=\"_ _1\"></span>s pro<span class=\"_ _1\"></span>vided on<span class=\"_ _1\"></span> tempor<span class=\"_ _1\"></span>ary d<span class=\"_ _1\"></span>ifferenc<span class=\"_ _1\"></span>es aris<span class=\"_ _1\"></span>ing on<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ments i<span class=\"_ _1\"></span>n subsid<span class=\"_ _1\"></span>iaries<span class=\"_ _1\"></span>, except<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs133\">for deferr<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span>come t<span class=\"_ _1\"></span>ax liab<span class=\"_ _1\"></span>ility<span class=\"_ _1\"></span> where th<span class=\"_ _1\"></span>e timing o<span class=\"_ _1\"></span>f the rev<span class=\"_ _1\"></span>ersa<span class=\"_ _1\"></span>l of the t<span class=\"_ _1\"></span>empora<span class=\"_ _1\"></span>ry differ<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ce is con<span class=\"_ _1\"></span>troll<span class=\"_ _1\"></span>ed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs134\">by the Gr<span class=\"_ _0\"></span>oup and it i<span class=\"_ _0\"></span>s probabl<span class=\"_ _0\"></span>e that the<span class=\"_ _0\"></span> te<span class=\"ls5 ws6\">mporary d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>ce wil<span class=\"_ _1\"></span>l not<span class=\"_ _1\"></span> revers<span class=\"_ _1\"></span>e in the fo<span class=\"_ _1\"></span>res<span class=\"_ _1\"></span>eeable fut<span class=\"_ _1\"></span>ure.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws83 gs135\">Deferred<span class=\"_ _1\"></span> inco<span class=\"_ _1\"></span>me tax a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s and<span class=\"_ _1\"></span> liabi<span class=\"_ _1\"></span>lities a<span class=\"_ _1\"></span>re offs<span class=\"_ _1\"></span>et when<span class=\"_ _1\"></span> ther<span class=\"_ _1\"></span>e is a le<span class=\"_ _1\"></span>gally<span class=\"_ _1\"></span> enforc<span class=\"_ _1\"></span>eabl<span class=\"_ _1\"></span>e right<span class=\"_ _1\"></span> to of<span class=\"_ _1\"></span>fset<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs136\">current tax a<span class=\"_ _1\"></span>ssets aga<span class=\"_ _1\"></span>inst current ta<span class=\"_ _1\"></span>x liabilities an<span class=\"_ _1\"></span>d when t<span class=\"_ _1\"></span>he deferred inco<span class=\"_ _1\"></span>me taxes ass<span class=\"_ _1\"></span>ets and li<span class=\"_ _1\"></span>abilities </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs137\">relate t<span class=\"_ _1\"></span>o inco<span class=\"_ _1\"></span>me tax<span class=\"_ _1\"></span>es lev<span class=\"_ _1\"></span>ied b<span class=\"_ _1\"></span>y th<span class=\"_ _1\"></span>e same<span class=\"ls1 ws1\"> <span class=\"ls8 ws15\">taxation autho<span class=\"_ _0\"></span>rity on ei<span class=\"_ _0\"></span>ther the<span class=\"_ _0\"></span> same t<span class=\"_ _0\"></span>axable entity or<span class=\"_ _0\"></span> diffe<span class=\"_ _0\"></span>rent </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs138\">taxab<span class=\"_ _1\"></span>le enti<span class=\"_ _1\"></span>ties wher<span class=\"_ _1\"></span>e ther<span class=\"_ _1\"></span>e is a<span class=\"_ _1\"></span>n int<span class=\"_ _1\"></span>ention<span class=\"_ _1\"></span> to sett<span class=\"_ _1\"></span>le the ba<span class=\"_ _1\"></span>lances<span class=\"_ _1\"></span> on a n<span class=\"_ _1\"></span>et basi<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-512": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.17 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls7\">Postal sales and other re<span class=\"_ _0\"></span>venue<span class=\"ls1\"> </span></span></span>Post<span class=\"_ _1\"></span>al sa<span class=\"_ _1\"></span>les and ser<span class=\"_ _1\"></span>vice reven<span class=\"_ _1\"></span>ue comp<span class=\"_ _1\"></span>rises<span class=\"_ _1\"></span> the fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e of the cons<span class=\"_ _1\"></span>idera<span class=\"_ _1\"></span>tion r<span class=\"_ _1\"></span>eceived o<span class=\"_ _1\"></span>r receiva<span class=\"_ _1\"></span>ble for<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>ale of ser<span class=\"_ _1\"></span>vices<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e ordi<span class=\"_ _1\"></span>nar<span class=\"_ _1\"></span>y cour<span class=\"_ _1\"></span>se of th<span class=\"_ _1\"></span>e sub<span class=\"_ _1\"></span>sidia<span class=\"_ _1\"></span>ry\u2019s ac<span class=\"_ _1\"></span>tiviti<span class=\"_ _1\"></span>es.  R<span class=\"_ _1\"></span>evenue i<span class=\"_ _1\"></span>s sh<span class=\"_ _1\"></span>own n<span class=\"_ _1\"></span>et of s<span class=\"_ _1\"></span>ales ta<span class=\"_ _1\"></span>xes and discou<span class=\"_ _0\"></span>nts. It c<span class=\"_ _0\"></span>ompri<span class=\"_ _0\"></span>ses re<span class=\"_ _0\"></span>venue d<span class=\"ls5 ws2a\">irectly receiv<span class=\"_ _1\"></span>ed from <span class=\"_ _1\"></span>cust<span class=\"_ _1\"></span>omers, c<span class=\"_ _1\"></span>ommiss<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> earned on<span class=\"_ _1\"></span> posta<span class=\"_ _1\"></span>l and </span>non<span class=\"ls1 ws1\">-</span><span class=\"ws122\">postal transactions and<span class=\"_ _0\"></span> income f<span class=\"_ _0\"></span>rom foreig<span class=\"_ _0\"></span>n outbound mail recei<span class=\"_ _0\"></span>vable from overseas postal<span class=\"_ _0\"></span> </span>administrators. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDiscountsAndRebatesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-549": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.17 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls7\">Postal sales and other re<span class=\"_ _0\"></span>venue<span class=\"ls1\"> </span></span></span>Post<span class=\"_ _1\"></span>al sa<span class=\"_ _1\"></span>les and ser<span class=\"_ _1\"></span>vice reven<span class=\"_ _1\"></span>ue comp<span class=\"_ _1\"></span>rises<span class=\"_ _1\"></span> the fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e of the cons<span class=\"_ _1\"></span>idera<span class=\"_ _1\"></span>tion r<span class=\"_ _1\"></span>eceived o<span class=\"_ _1\"></span>r receiva<span class=\"_ _1\"></span>ble for<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>ale of ser<span class=\"_ _1\"></span>vices<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e ordi<span class=\"_ _1\"></span>nar<span class=\"_ _1\"></span>y cour<span class=\"_ _1\"></span>se of th<span class=\"_ _1\"></span>e sub<span class=\"_ _1\"></span>sidia<span class=\"_ _1\"></span>ry\u2019s ac<span class=\"_ _1\"></span>tiviti<span class=\"_ _1\"></span>es.  R<span class=\"_ _1\"></span>evenue i<span class=\"_ _1\"></span>s sh<span class=\"_ _1\"></span>own n<span class=\"_ _1\"></span>et of s<span class=\"_ _1\"></span>ales ta<span class=\"_ _1\"></span>xes and discou<span class=\"_ _0\"></span>nts. It c<span class=\"_ _0\"></span>ompri<span class=\"_ _0\"></span>ses re<span class=\"_ _0\"></span>venue d<span class=\"ls5 ws2a\">irectly receiv<span class=\"_ _1\"></span>ed from <span class=\"_ _1\"></span>cust<span class=\"_ _1\"></span>omers, c<span class=\"_ _1\"></span>ommiss<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> earned on<span class=\"_ _1\"></span> posta<span class=\"_ _1\"></span>l and </span>non<span class=\"ls1 ws1\">-</span><span class=\"ws122\">postal transactions and<span class=\"_ _0\"></span> income f<span class=\"_ _0\"></span>rom foreig<span class=\"_ _0\"></span>n outbound mail recei<span class=\"_ _0\"></span>vable from overseas postal<span class=\"_ _0\"></span> </span>administrators.  <span class=\"ls1 ws1\"> </span>Income fr<span class=\"_ _0\"></span>om sale of stam<span class=\"_ _0\"></span>ps, commi<span class=\"_ _0\"></span>ssions earned on postal<span class=\"_ _0\"></span> and non<span class=\"ls1 ws1\">-<span class=\"ls8 ws15\">posta<span class=\"_ _0\"></span>l tra<span class=\"_ _0\"></span>nsaction<span class=\"_ _0\"></span>s and re<span class=\"_ _0\"></span>venue f<span class=\"_ _0\"></span>rom </span></span>foreign<span class=\"_ _1\"></span> outb<span class=\"_ _1\"></span>ound<span class=\"_ _1\"></span> mail fro<span class=\"_ _1\"></span>m over<span class=\"_ _1\"></span>seas p<span class=\"_ _1\"></span>ost<span class=\"_ _1\"></span>al admini<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>ors are rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed wh<span class=\"_ _1\"></span>en the s<span class=\"_ _1\"></span>ervice is<span class=\"_ _1\"></span> rend<span class=\"_ _1\"></span>ered.<span class=\"_ _1\"></span> Allowan<span class=\"_ _1\"></span>ce is <span class=\"_ _1\"></span>made for<span class=\"_ _1\"></span> the a<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span>sed a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> of reven<span class=\"_ _1\"></span>u<span class=\"ls8 ws5c\">e from<span class=\"_ _0\"></span> prepaid pr<span class=\"_ _0\"></span>oduct sale<span class=\"_ _0\"></span>s at the<span class=\"_ _0\"></span> end of the </span>reporti<span class=\"_ _0\"></span>ng peri<span class=\"_ _0\"></span>od for w<span class=\"_ _0\"></span>hich the ser<span class=\"_ _0\"></span>vice has not<span class=\"_ _0\"></span> yet bee<span class=\"_ _0\"></span>n provi<span class=\"_ _0\"></span>ded.<span class=\"ls1 ws1\"> </span>IFRS 15 requires th<span class=\"_ _1\"></span>at at cont<span class=\"_ _1\"></span>ract inception th<span class=\"_ _1\"></span>e goods or services promis<span class=\"_ _1\"></span>ed in a cont<span class=\"_ _1\"></span>ract with a customer are as<span class=\"_ _1\"></span>sess<span class=\"_ _1\"></span>ed and ea<span class=\"_ _1\"></span>ch promis<span class=\"_ _1\"></span>e to tra<span class=\"_ _1\"></span>nsfer t<span class=\"_ _1\"></span>o the cu<span class=\"_ _1\"></span>stomer th<span class=\"_ _1\"></span>e good<span class=\"_ _1\"></span> or serv<span class=\"_ _1\"></span>ice is i<span class=\"_ _1\"></span>dentifi<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span> performanc<span class=\"_ _1\"></span>e obligation. P<span class=\"_ _1\"></span>romises in<span class=\"_ _1\"></span> a contract ca<span class=\"_ _1\"></span>n be expli<span class=\"_ _1\"></span>cit or implicit i<span class=\"_ _1\"></span>f the promis<span class=\"_ _1\"></span>es create a valid<span class=\"_ _1\"></span> expec<span class=\"_ _0\"></span>tation to pr<span class=\"_ _0\"></span>ovide a<span class=\"_ _0\"></span> good<span class=\"_ _0\"></span> or servic<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>sed on t<span class=\"_ _0\"></span>he custo<span class=\"_ _0\"></span>mary busi<span class=\"_ _0\"></span>ness prac<span class=\"_ _0\"></span>tice<span class=\"_ _0\"></span>s, publi<span class=\"_ _0\"></span>shed pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s or speci<span class=\"_ _1\"></span>fic sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>A cont<span class=\"_ _1\"></span>ract as<span class=\"_ _1\"></span>set mu<span class=\"_ _1\"></span>st be r<span class=\"_ _1\"></span>ecogn<span class=\"_ _1\"></span>ised i<span class=\"_ _1\"></span>f the comp<span class=\"_ _1\"></span>any r<span class=\"_ _1\"></span>ecord<span class=\"_ _1\"></span>ed reven<span class=\"_ _1\"></span>ue for <span class=\"_ _1\"></span>fulfil<span class=\"_ _1\"></span>ment <span class=\"_ _1\"></span>of a co<span class=\"_ _1\"></span>ntract<span class=\"_ _1\"></span>ual performa<span class=\"_ _1\"></span>nce o<span class=\"_ _1\"></span>bliga<span class=\"_ _1\"></span>tion b<span class=\"_ _1\"></span>efore t<span class=\"_ _1\"></span>he cus<span class=\"_ _1\"></span>tomer pa<span class=\"_ _1\"></span>id con<span class=\"_ _1\"></span>sider<span class=\"_ _1\"></span>ati<span class=\"_ _1\"></span>on or b<span class=\"_ _1\"></span>efore, ir<span class=\"_ _1\"></span>respect<span class=\"_ _1\"></span>ive o<span class=\"_ _1\"></span>f when<span class=\"_ _1\"></span> paym<span class=\"_ _1\"></span>ent is due, the<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts for bil<span class=\"_ _0\"></span>ling and the<span class=\"_ _0\"></span> conseque<span class=\"_ _0\"></span>n<span class=\"ls6 ws7\">t recognition o<span class=\"_ _1\"></span>f a receivable exis<span class=\"_ _1\"></span>t. </span>A contrac<span class=\"_ _0\"></span>t liabil<span class=\"_ _0\"></span>ity must be<span class=\"_ _0\"></span> rec<span class=\"_ _0\"></span>ognised w<span class=\"_ _0\"></span>hen the c<span class=\"_ _0\"></span>ustomer paid consi<span class=\"_ _0\"></span>deratio<span class=\"_ _0\"></span>n or a rec<span class=\"_ _11\"></span>eivable from<span class=\"_ _0\"></span> the custome<span class=\"_ _0\"></span>r is due be<span class=\"_ _0\"></span>fore the<span class=\"_ _0\"></span> company fulf<span class=\"_ _0\"></span>illed a c<span class=\"_ _0\"></span>ontractual<span class=\"_ _0\"></span> perfo<span class=\"_ _0\"></span>rmance obl<span class=\"_ _0\"></span>igation a<span class=\"_ _0\"></span>nd hence<span class=\"_ _0\"></span> recognised revenue<span class=\"_ _0\"></span>, such as in t<span class=\"_ _0\"></span>he case<span class=\"_ _0\"></span> of pre<span class=\"_ _0\"></span>paid stamps.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The Group me<span class=\"_ _0\"></span>asures re<span class=\"_ _0\"></span>venue on a basis that r<span class=\"_ _0\"></span>efl<span class=\"_ _0\"></span>ects the amount of<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>ration that it e<span class=\"_ _0\"></span>xpect<span class=\"_ _0\"></span>s to be entit<span class=\"_ _1\"></span>led to; t<span class=\"_ _1\"></span>his mea<span class=\"_ _1\"></span>sure<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span> of reven<span class=\"_ _1\"></span>ue is h<span class=\"_ _1\"></span>owever <span class=\"_ _1\"></span>limit<span class=\"_ _1\"></span>ed to a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span>s to wh<span class=\"_ _1\"></span>ich t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p has enforc<span class=\"_ _0\"></span>eable ri<span class=\"_ _0\"></span>ghts, and it e<span class=\"_ _0\"></span>xclude<span class=\"_ _0\"></span>s amounts col<span class=\"_ _0\"></span>lect<span class=\"_ _0\"></span>ed on beh<span class=\"ls5 ws6\">alf of third<span class=\"_ _1\"></span> parti<span class=\"_ _1\"></span>es. <span class=\"ls1 ws1\"> </span></span>Revenu<span class=\"_ _1\"></span>e is reco<span class=\"_ _1\"></span>gnised<span class=\"_ _1\"></span> when t<span class=\"_ _1\"></span>he Gro<span class=\"_ _1\"></span>up sa<span class=\"_ _1\"></span>tisfies<span class=\"_ _1\"></span> a perfo<span class=\"_ _1\"></span>rmance o<span class=\"_ _1\"></span>bligat<span class=\"_ _1\"></span>ion,<span class=\"_ _1\"></span> which o<span class=\"_ _1\"></span>ccurs<span class=\"_ _1\"></span> when it tra<span class=\"_ _1\"></span>nsfers<span class=\"_ _1\"></span> control of a promi<span class=\"_ _0\"></span>sed good or servic<span class=\"_ _0\"></span>e to a customer<span class=\"_ _0\"></span>. Control of a prom<span class=\"_ _0\"></span>ised good or se<span class=\"_ _0\"></span>rvice is transfe<span class=\"_ _0\"></span>rred to a cu<span class=\"_ _1\"></span>stomer wh<span class=\"_ _1\"></span>en the cu<span class=\"_ _1\"></span>stomer<span class=\"_ _1\"></span> is ab<span class=\"_ _1\"></span>le to di<span class=\"_ _1\"></span>rect the u<span class=\"_ _1\"></span>se of the p<span class=\"_ _1\"></span>romis<span class=\"_ _1\"></span>ed good<span class=\"_ _1\"></span> or servi<span class=\"_ _1\"></span>ce. A perfo<span class=\"_ _1\"></span>rmanc<span class=\"_ _1\"></span>e obligation<span class=\"_ _1\"></span> is satisfied at a point in time unles<span class=\"_ _1\"></span>s it meets certain criteria th<span class=\"_ _1\"></span>at indicate that it is satis<span class=\"_ _1\"></span>fied over time.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-522": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"ff3 fs0 ls1 ws1\"> </span></span>1.18<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ls5 ws6\">Curren<span class=\"_ _1\"></span>t and<span class=\"_ _1\"></span> deferred i<span class=\"_ _1\"></span>nco<span class=\"_ _1\"></span>me tax<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>The tax<span class=\"_ _0\"></span> expense f<span class=\"_ _0\"></span>or the period co<span class=\"_ _0\"></span>mprise<span class=\"_ _0\"></span>s current<span class=\"_ _0\"></span> and deferr<span class=\"_ _0\"></span>ed tax. Tax<span class=\"_ _0\"></span> is recogni<span class=\"_ _0\"></span>sed in profit<span class=\"_ _0\"></span> or loss, except t<span class=\"_ _1\"></span>o the <span class=\"_ _1\"></span>extent<span class=\"_ _1\"></span> that i<span class=\"_ _1\"></span>t rela<span class=\"_ _1\"></span>tes to<span class=\"_ _1\"></span> items rec<span class=\"_ _1\"></span>ogn<span class=\"_ _1\"></span>ised in<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> compreh<span class=\"_ _1\"></span>ens<span class=\"_ _1\"></span>ive inc<span class=\"_ _1\"></span>ome or <span class=\"_ _1\"></span>direc<span class=\"_ _1\"></span>tly in<span class=\"_ _1\"></span> equity<span class=\"_ _1\"></span>. In the latter case<span class=\"_ _0\"></span>, the tax is also recogn<span class=\"ls8 ws20\">ise<span class=\"_ _0\"></span>d in other com<span class=\"_ _0\"></span>prehe<span class=\"_ _0\"></span>nsive income<span class=\"_ _0\"></span> or direc<span class=\"_ _0\"></span>tly in equi<span class=\"_ _0\"></span>ty, </span>respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The c<span class=\"_ _0\"></span>urrent i<span class=\"_ _0\"></span>ncome<span class=\"_ _0\"></span> tax charg<span class=\"_ _0\"></span>e is cal<span class=\"_ _0\"></span>culate<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> basis<span class=\"_ _0\"></span> of <span class=\"_ _0\"></span>the tax l<span class=\"_ _0\"></span>aws<span class=\"_ _0\"></span> enacte<span class=\"_ _0\"></span>d or subst<span class=\"_ _0\"></span>antive<span class=\"_ _0\"></span>ly enact<span class=\"_ _0\"></span>ed at the e<span class=\"_ _0\"></span>nd of the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> perio<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span>Deferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax i<span class=\"_ _1\"></span>s recognis<span class=\"_ _1\"></span>ed, us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e liabilit<span class=\"_ _1\"></span>y metho<span class=\"_ _1\"></span>d, on temp<span class=\"_ _1\"></span>orary<span class=\"_ _1\"></span> differen<span class=\"_ _1\"></span>ces a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g between the tax bases<span class=\"_ _1\"></span> of assets and liabilities and th<span class=\"_ _1\"></span>eir carrying amounts in<span class=\"_ _1\"></span> the consolidat<span class=\"_ _1\"></span>ed financial statements. However<span class=\"_ _1\"></span>, deferr<span class=\"_ _1\"></span>ed ta<span class=\"_ _1\"></span>x liabi<span class=\"_ _1\"></span>lities a<span class=\"_ _1\"></span>re not r<span class=\"ls6 ws49\">ecogn<span class=\"_ _1\"></span>ised if they arise from th<span class=\"_ _1\"></span>e initial recognition of go<span class=\"_ _1\"></span>odwill; </span>deferred inco<span class=\"_ _1\"></span>me tax is no<span class=\"_ _1\"></span>t accounted<span class=\"_ _1\"></span> for if it arises fro<span class=\"_ _1\"></span>m initia<span class=\"_ _1\"></span>l recognition o<span class=\"_ _1\"></span>f an asset o<span class=\"_ _1\"></span>r liability in<span class=\"_ _1\"></span> a transaction other than<span class=\"_ _0\"></span> a bu<span class=\"_ _0\"></span>siness combination that<span class=\"_ _0\"></span> at <span class=\"_ _0\"></span>the time<span class=\"_ _0\"></span> of the transaction<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls5 ws80\">a<span class=\"_ _1\"></span>ffects n<span class=\"_ _1\"></span>either </span></span>accounting<span class=\"_ _0\"></span> nor taxabl<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it or loss. D<span class=\"_ _0\"></span>efe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncome tax is de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ined using t<span class=\"_ _0\"></span>ax rates (and l<span class=\"_ _0\"></span>aws) that<span class=\"_ _0\"></span> have bee<span class=\"_ _0\"></span>n enacte<span class=\"_ _0\"></span>d or substantive<span class=\"_ _0\"></span>ly enac<span class=\"_ _0\"></span>ted by the<span class=\"_ _0\"></span> end of the repor<span class=\"_ _0\"></span>ting per<span class=\"_ _0\"></span>iod and are expe<span class=\"_ _0\"></span>cted to a<span class=\"_ _0\"></span>pply when th<span class=\"_ _1\"></span>e related<span class=\"_ _1\"></span> defer<span class=\"_ _1\"></span>red in<span class=\"_ _1\"></span>come t<span class=\"_ _1\"></span>ax as<span class=\"_ _1\"></span>set is<span class=\"_ _1\"></span> realis<span class=\"_ _1\"></span>ed or the d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax lia<span class=\"_ _1\"></span>bilit<span class=\"_ _1\"></span>y is s<span class=\"_ _1\"></span>ettled.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>Deferred<span class=\"_ _1\"></span> inco<span class=\"_ _1\"></span>me tax a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s are recogn<span class=\"_ _1\"></span>ised o<span class=\"_ _1\"></span>nly t<span class=\"_ _1\"></span>o the ext<span class=\"_ _1\"></span>ent th<span class=\"_ _1\"></span>at it is p<span class=\"_ _1\"></span>robab<span class=\"_ _1\"></span>le that<span class=\"_ _1\"></span> future ta<span class=\"_ _1\"></span>xable p<span class=\"_ _1\"></span>rofit<span class=\"_ _1\"></span> will be availab<span class=\"_ _1\"></span>le against whi<span class=\"_ _1\"></span>ch the tempo<span class=\"_ _1\"></span>rary differences<span class=\"_ _1\"></span> can be u<span class=\"_ _1\"></span>tilised. <span class=\"ls1 ws1\"> </span>Deferred<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e tax i<span class=\"_ _1\"></span>s pro<span class=\"_ _1\"></span>vided on<span class=\"_ _1\"></span> tempor<span class=\"_ _1\"></span>ary d<span class=\"_ _1\"></span>ifferenc<span class=\"_ _1\"></span>es aris<span class=\"_ _1\"></span>ing on<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ments i<span class=\"_ _1\"></span>n subsid<span class=\"_ _1\"></span>iaries<span class=\"_ _1\"></span>, except<span class=\"_ _1\"></span> for deferr<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span>come t<span class=\"_ _1\"></span>ax liab<span class=\"_ _1\"></span>ility<span class=\"_ _1\"></span> where th<span class=\"_ _1\"></span>e timing o<span class=\"_ _1\"></span>f the rev<span class=\"_ _1\"></span>ersa<span class=\"_ _1\"></span>l of the t<span class=\"_ _1\"></span>empora<span class=\"_ _1\"></span>ry differ<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ce is con<span class=\"_ _1\"></span>troll<span class=\"_ _1\"></span>ed by the Gr<span class=\"_ _0\"></span>oup and it i<span class=\"_ _0\"></span>s probabl<span class=\"_ _0\"></span>e that the<span class=\"_ _0\"></span> te<span class=\"ls5 ws6\">mporary d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>ce wil<span class=\"_ _1\"></span>l not<span class=\"_ _1\"></span> revers<span class=\"_ _1\"></span>e in the fo<span class=\"_ _1\"></span>res<span class=\"_ _1\"></span>eeable fut<span class=\"_ _1\"></span>ure.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Deferred<span class=\"_ _1\"></span> inco<span class=\"_ _1\"></span>me tax a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s and<span class=\"_ _1\"></span> liabi<span class=\"_ _1\"></span>lities a<span class=\"_ _1\"></span>re offs<span class=\"_ _1\"></span>et when<span class=\"_ _1\"></span> ther<span class=\"_ _1\"></span>e is a le<span class=\"_ _1\"></span>gally<span class=\"_ _1\"></span> enforc<span class=\"_ _1\"></span>eabl<span class=\"_ _1\"></span>e right<span class=\"_ _1\"></span> to of<span class=\"_ _1\"></span>fset<span class=\"_ _1\"></span> current tax a<span class=\"_ _1\"></span>ssets aga<span class=\"_ _1\"></span>inst current ta<span class=\"_ _1\"></span>x liabilities an<span class=\"_ _1\"></span>d when t<span class=\"_ _1\"></span>he deferred inco<span class=\"_ _1\"></span>me taxes ass<span class=\"_ _1\"></span>ets and li<span class=\"_ _1\"></span>abilities relate t<span class=\"_ _1\"></span>o inco<span class=\"_ _1\"></span>me tax<span class=\"_ _1\"></span>es lev<span class=\"_ _1\"></span>ied b<span class=\"_ _1\"></span>y th<span class=\"_ _1\"></span>e same<span class=\"ls1 ws1\"> <span class=\"ls8 ws15\">taxation autho<span class=\"_ _0\"></span>rity on ei<span class=\"_ _0\"></span>ther the<span class=\"_ _0\"></span> same t<span class=\"_ _0\"></span>axable entity or<span class=\"_ _0\"></span> diffe<span class=\"_ _0\"></span>rent </span></span>taxab<span class=\"_ _1\"></span>le enti<span class=\"_ _1\"></span>ties wher<span class=\"_ _1\"></span>e ther<span class=\"_ _1\"></span>e is a<span class=\"_ _1\"></span>n int<span class=\"_ _1\"></span>ention<span class=\"_ _1\"></span> to sett<span class=\"_ _1\"></span>le the ba<span class=\"_ _1\"></span>lances<span class=\"_ _1\"></span> on a n<span class=\"_ _1\"></span>et basi<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-454": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws3 gs42\">1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs152\">1.21<span class=\"ls1 ws1\"> <span class=\"_ _9d\"> </span><span class=\"ls5 ws6\">Seg<span class=\"_ _1\"></span>ment r<span class=\"_ _1\"></span>eporti<span class=\"_ _1\"></span>ng</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs153\">Operati<span class=\"_ _0\"></span>ng segm<span class=\"_ _0\"></span>ents are<span class=\"_ _0\"></span> repor<span class=\"_ _0\"></span>ted in a<span class=\"_ _0\"></span> manne<span class=\"_ _0\"></span>r consiste<span class=\"_ _0\"></span>nt w<span class=\"_ _0\"></span>ith the int<span class=\"_ _0\"></span>ernal<span class=\"_ _0\"></span> repor<span class=\"_ _0\"></span>ting provi<span class=\"_ _11\"></span>ded to the Boa<span class=\"_ _0\"></span>rd </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs154\">of Directors which<span class=\"_ _1\"></span> is the Grou<span class=\"_ _1\"></span>p\u2019s chief op<span class=\"_ _1\"></span>erating decisio<span class=\"_ _1\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">maker.</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws32 gs155\">An op<span class=\"_ _1\"></span>eratin<span class=\"_ _1\"></span>g segment<span class=\"_ _1\"></span>\u2019s op<span class=\"_ _1\"></span>eratin<span class=\"_ _1\"></span>g resu<span class=\"_ _1\"></span>lts ar<span class=\"_ _1\"></span>e reviewed r<span class=\"_ _1\"></span>egularl<span class=\"_ _1\"></span>y by t<span class=\"_ _1\"></span>he Boar<span class=\"_ _1\"></span>d of Directo<span class=\"_ _1\"></span>rs to ma<span class=\"_ _1\"></span>ke </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gs156\">decis<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> abou<span class=\"_ _1\"></span>t resou<span class=\"_ _1\"></span>rces to b<span class=\"_ _1\"></span>e alloca<span class=\"_ _1\"></span>ted to<span class=\"_ _1\"></span> the segm<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> to asses<span class=\"_ _1\"></span>s its<span class=\"_ _1\"></span> performan<span class=\"_ _1\"></span>ce ex<span class=\"_ _1\"></span>ecutin<span class=\"_ _1\"></span>g the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs157\">function o<span class=\"_ _1\"></span>f the chief operatin<span class=\"_ _1\"></span>g decision<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ls5\">maker. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-499": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span><span class=\"ff5 fs1 lsb ws2c\"><span class=\"ff3 fs0 ls1 ws1\"> </span></span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs14e\">1.20<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Dividend d<span class=\"_ _1\"></span>istribu<span class=\"_ _1\"></span>tion<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws62 gs14f\">Dividend di<span class=\"_ _0\"></span>stribution t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span> Bank\u2019s sha<span class=\"_ _0\"></span>reholde<span class=\"_ _0\"></span>rs is rec<span class=\"_ _0\"></span>ognise<span class=\"_ _0\"></span>d as a liabil<span class=\"_ _0\"></span>ity in t<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup\u2019s financi<span class=\"_ _0\"></span>al </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs150\">stateme<span class=\"_ _0\"></span>nts in the<span class=\"_ _0\"></span> period i<span class=\"_ _0\"></span>n which the<span class=\"_ _0\"></span> divide<span class=\"_ _0\"></span>nds are appro<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>d by the Bank<span class=\"_ _0\"></span>\u2019s share<span class=\"_ _0\"></span>holders<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-14": {
   "value": "1.      S<span class=\"_ _0\"></span>umma<span class=\"_ _0\"></span>ry of ma<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>al accoun<span class=\"_ _0\"></span>ting <span class=\"_ _0\"></span>policies<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(cont<span class=\"_ _0\"></span>inued)<span class=\"_ _bc\"> </span></span>1.19<span class=\"ff5 ls1 ws1\">  <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Financial gu<span class=\"_ _1\"></span>arantee contr<span class=\"_ _1\"></span>acts and<span class=\"_ _1\"></span> loan commitments<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Financia<span class=\"_ _0\"></span>l guarante<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>racts are<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>ts that<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span> the issue<span class=\"_ _0\"></span>r to<span class=\"_ _0\"></span> make spe<span class=\"_ _0\"></span>cifie<span class=\"_ _0\"></span>d payments t<span class=\"_ _0\"></span>o reim<span class=\"_ _0\"></span>burse the<span class=\"_ _0\"></span> holder for a<span class=\"_ _0\"></span> loss it incurs bec<span class=\"_ _0\"></span>ause a spec<span class=\"_ _0\"></span>ifie<span class=\"_ _0\"></span>d debtor<span class=\"_ _0\"></span> fails to m<span class=\"_ _0\"></span>ake paym<span class=\"_ _0\"></span>ents when due<span class=\"_ _0\"></span>, in accordanc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the te<span class=\"_ _0\"></span>rms of a debt<span class=\"_ _0\"></span> instrum<span class=\"_ _0\"></span>ent. S<span class=\"_ _0\"></span>uch <span class=\"ls6 ws39\">financial guaran<span class=\"_ _1\"></span>tees are given to b<span class=\"_ _1\"></span>anks, finan<span class=\"_ _1\"></span>cial </span>institutions<span class=\"_ _0\"></span> and ot<span class=\"_ _0\"></span>her bodie<span class=\"_ _0\"></span>s on be<span class=\"_ _0\"></span>half of<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs.<span class=\"_ _bc\"> </span>In the ordi<span class=\"_ _0\"></span>nary course<span class=\"_ _0\"></span> of busi<span class=\"_ _0\"></span>ness, the B<span class=\"_ _0\"></span>ank issues f<span class=\"_ _0\"></span>inanci<span class=\"_ _0\"></span>al guar<span class=\"_ _0\"></span>antee c<span class=\"_ _0\"></span>ontract<span class=\"_ _0\"></span>s, consisting o<span class=\"_ _0\"></span>f let<span class=\"_ _0\"></span>ters of credit<span class=\"_ _0\"></span>, guarante<span class=\"_ _0\"></span>es and acc<span class=\"_ _0\"></span>eptance<span class=\"_ _0\"></span>s.  <span class=\"ls1 ws1\"> </span>Financia<span class=\"_ _0\"></span>l guarante<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>racts are<span class=\"_ _0\"></span> initia<span class=\"_ _0\"></span>lly me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> and subse<span class=\"_ _0\"></span>quently m<span class=\"_ _0\"></span>easur<span class=\"_ _0\"></span>ed at hig<span class=\"_ _0\"></span>her<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">of:</span> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">the amount<span class=\"_ _1\"></span> of the loss a<span class=\"_ _1\"></span>llowance (calculated<span class=\"_ _1\"></span> as describ<span class=\"_ _1\"></span>ed in no<span class=\"_ _1\"></span>te 1.4.3); and</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws52\">the premiu<span class=\"_ _1\"></span>m received on in<span class=\"_ _1\"></span>itial recogn<span class=\"_ _1\"></span>ition l<span class=\"_ _1\"></span>ess income rec<span class=\"_ _1\"></span>ognised in<span class=\"_ _1\"></span> accordan<span class=\"_ _1\"></span>ce with the prin<span class=\"_ _1\"></span>ciples of<span class=\"_ _1\"></span> </span></span>IFRS 15.<span class=\"ls1 ws1\"> </span>'Loan<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s' are th<span class=\"_ _1\"></span>e B<span class=\"_ _1\"></span>ank\u2019<span class=\"_ _1\"></span>s commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> to pr<span class=\"_ _1\"></span>ovi<span class=\"_ _1\"></span>de credi<span class=\"_ _1\"></span>t und<span class=\"_ _1\"></span>er pre<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>speci<span class=\"_ _1\"></span>fied ter<span class=\"_ _1\"></span>ms an<span class=\"_ _1\"></span>d conditions, a<span class=\"_ _0\"></span>nd are<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span>d at the a<span class=\"_ _0\"></span>mount of<span class=\"_ _0\"></span> the loss all<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>ance (c<span class=\"_ _0\"></span>alculate<span class=\"_ _0\"></span>d as describe<span class=\"_ _0\"></span>d in note<span class=\"_ _0\"></span> 1.4.3<span class=\"_ _0\"></span>).<span class=\"ls1 ws1\"> </span>For loan commitment<span class=\"_ _1\"></span>s and financia<span class=\"_ _1\"></span>l guarantee con<span class=\"_ _1\"></span>tracts, the loss allowance is<span class=\"_ _1\"></span> recognised as a prov<span class=\"_ _1\"></span>ision. Howeve<span class=\"_ _0\"></span>r, for<span class=\"_ _0\"></span> contract<span class=\"_ _0\"></span>s that include<span class=\"_ _0\"></span> both a loan a<span class=\"_ _0\"></span>nd an <span class=\"_ _0\"></span>undrawn co<span class=\"_ _0\"></span>mmitme<span class=\"_ _0\"></span>nt and the B<span class=\"_ _0\"></span>ank cannot separate<span class=\"_ _0\"></span>ly identi<span class=\"_ _0\"></span>fy the e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted cr<span class=\"_ _0\"></span>edit losse<span class=\"_ _0\"></span>s on the<span class=\"_ _0\"></span> und<span class=\"ls5 ws22\">rawn commit<span class=\"_ _1\"></span>ment c<span class=\"_ _1\"></span>ompon<span class=\"_ _1\"></span>ent fr<span class=\"_ _1\"></span>om that<span class=\"_ _1\"></span> on the </span>loan com<span class=\"_ _0\"></span>ponent, the<span class=\"_ _0\"></span> expected c<span class=\"_ _0\"></span>redit l<span class=\"_ _0\"></span>osses on the undr<span class=\"_ _0\"></span>awn commi<span class=\"_ _0\"></span>tment are<span class=\"_ _0\"></span> recogni<span class=\"_ _0\"></span>sed togethe<span class=\"_ _0\"></span>r with the lo<span class=\"_ _1\"></span>ss al<span class=\"_ _1\"></span>lowanc<span class=\"_ _1\"></span>e for the lo<span class=\"_ _1\"></span>an. To th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> that th<span class=\"_ _1\"></span>e combin<span class=\"_ _1\"></span>ed expect<span class=\"_ _1\"></span>ed credi<span class=\"_ _1\"></span>t loss<span class=\"_ _1\"></span>es exceed<span class=\"_ _1\"></span> the gro<span class=\"_ _1\"></span>ss carrying a<span class=\"ls5 ws6\">mo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the lo<span class=\"_ _1\"></span>an, the ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>es are rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed as a<span class=\"_ _1\"></span> prov<span class=\"_ _1\"></span>ision<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-455": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs159\">2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t</span><span class=\"fs2\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs15a\">2.1<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span><span class=\"ls8 ws16\">Introduction<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs15b\">2.1.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws7\">Pr<span class=\"_ _1\"></span>eamble<span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs15c\">The G<span class=\"_ _0\"></span>roup\u2019s business<span class=\"_ _0\"></span> involve<span class=\"_ _0\"></span>s taking<span class=\"_ _0\"></span> on ri<span class=\"_ _0\"></span>sks in a tar<span class=\"_ _0\"></span>gete<span class=\"_ _0\"></span>d m<span class=\"_ _0\"></span>anner and m<span class=\"_ _0\"></span>anaging t<span class=\"_ _0\"></span>hem prof<span class=\"_ _0\"></span>essional<span class=\"_ _0\"></span>ly. The<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs15d\">core fun<span class=\"_ _1\"></span>ction<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s risk<span class=\"_ _1\"></span> managemen<span class=\"_ _1\"></span>t are t<span class=\"_ _1\"></span>o ident<span class=\"_ _1\"></span>ify all<span class=\"_ _1\"></span> key ris<span class=\"_ _1\"></span>ks for th<span class=\"_ _1\"></span>e Group, mea<span class=\"_ _1\"></span>sure t<span class=\"_ _1\"></span>hese </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs15e\">risks, manag<span class=\"_ _0\"></span>e the r<span class=\"_ _0\"></span>isk posi<span class=\"_ _0\"></span>tions an<span class=\"_ _0\"></span>d dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls6 ws10\">capit<span class=\"_ _1\"></span>al allocation<span class=\"_ _1\"></span>s. The Group regul<span class=\"_ _1\"></span>arly reviews its<span class=\"_ _1\"></span> risk </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs15f\">manage<span class=\"_ _0\"></span>ment polic<span class=\"_ _0\"></span>ies and sys<span class=\"_ _0\"></span>tems to<span class=\"_ _0\"></span> reflec<span class=\"_ _0\"></span>t change<span class=\"_ _0\"></span>s in market<span class=\"_ _0\"></span>s, products <span class=\"_ _0\"></span>and best ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>t practi<span class=\"_ _0\"></span>ce. The </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs160\">Group\u2019s aim<span class=\"_ _0\"></span> is to achi<span class=\"_ _0\"></span>eve an appropri<span class=\"_ _0\"></span>ate bala<span class=\"_ _0\"></span>nce be<span class=\"_ _0\"></span>tween risk and re<span class=\"_ _0\"></span>turn and mi<span class=\"_ _0\"></span>nimise</div><div class=\"t m0 h1 ff1 fs0 fc0 sc0 ls1 ws1 gs161\"> <span class=\"_ _1\"></span><span class=\"fs1 ls9 wsa\">potential</span><span class=\"fs1\"> <span class=\"ls5 ws7\">ad<span class=\"_ _1\"></span>verse<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs162\">effects<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial per<span class=\"_ _1\"></span>forman<span class=\"_ _1\"></span>ce.</div><div class=\"t m0 h1 ff1 fs0 fc0 sc0 ls1 ws1 gs163\"> <span class=\"_ _1\"></span><span class=\"fs1 ls8 ws3c\">The Group defines ri<span class=\"_ _0\"></span>sk as the possibi<span class=\"_ _0\"></span>lity of l<span class=\"_ _0\"></span>osses or prof<span class=\"_ _0\"></span>its </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs164\">foreg<span class=\"_ _0\"></span>one, whic<span class=\"_ _0\"></span>h may be c<span class=\"_ _0\"></span>aused by</div><div class=\"t m0 h1 ff1 fs0 fc0 sc0 ls1 ws1 gs165\"> <span class=\"fs1 lsa ws44\">internal or external factors.</span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs166\">The G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs risk m<span class=\"_ _0\"></span>anageme<span class=\"_ _0\"></span>nt a core<span class=\"_ _0\"></span> compete<span class=\"_ _0\"></span>ncy that helps produc<span class=\"_ _0\"></span>e consi<span class=\"_ _0\"></span>stentl<span class=\"_ _0\"></span>y high re<span class=\"_ _0\"></span>turns for<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs167\">its vario<span class=\"_ _0\"></span>us stake<span class=\"_ _0\"></span>holder<span class=\"_ _0\"></span>s. The<span class=\"_ _0\"></span> Group a<span class=\"_ _0\"></span>ims to<span class=\"_ _0\"></span> manage<span class=\"_ _0\"></span> all m<span class=\"_ _0\"></span>ajor<span class=\"_ _0\"></span> types of<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span> by a<span class=\"_ _0\"></span>pplying m<span class=\"_ _11\"></span>ethods that me<span class=\"_ _0\"></span>et </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs168\">best pract<span class=\"_ _0\"></span>ice. T<span class=\"_ _0\"></span>he Group c<span class=\"_ _0\"></span>onsiders i<span class=\"_ _0\"></span>t import<span class=\"_ _0\"></span>ant <span class=\"ls6 ws49\">to have a clear dis<span class=\"_ _1\"></span>tribution<span class=\"_ _1\"></span> of respons<span class=\"_ _1\"></span>ibilities within th<span class=\"_ _1\"></span>e </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws68 gs169\">area o<span class=\"_ _1\"></span>f risk <span class=\"_ _1\"></span>manag<span class=\"_ _1\"></span>ement.<span class=\"_ _1\"></span> One o<span class=\"_ _1\"></span>f the ma<span class=\"_ _1\"></span>in ta<span class=\"_ _1\"></span>sks o<span class=\"_ _1\"></span>f the Gr<span class=\"_ _1\"></span>oup\u2019<span class=\"_ _1\"></span>s execut<span class=\"_ _1\"></span>ive <span class=\"_ _1\"></span>manage<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span> is to s<span class=\"_ _1\"></span>et th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsc gs16a\">framework f<span class=\"_ _0\"></span>or this area. <span class=\"ls8 ws3c\">An<span class=\"_ _0\"></span> unde<span class=\"_ _0\"></span>rstanding of<span class=\"_ _11\"></span> risk<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">taking a<span class=\"_ _1\"></span>nd transparency<span class=\"_ _1\"></span> in risk</span>-<span class=\"ls7 wsc\">taking are<span class=\"_ _0\"></span> key el<span class=\"ls5 ws7\">ements </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs16b\">in the G<span class=\"_ _0\"></span>roup\u2019s b<span class=\"_ _0\"></span>usiness<span class=\"_ _0\"></span> strate<span class=\"_ _0\"></span>gy and<span class=\"_ _0\"></span> thus in<span class=\"_ _0\"></span> its<span class=\"_ _0\"></span> ambitio<span class=\"_ _0\"></span>n to <span class=\"_ _0\"></span>be a s<span class=\"_ _0\"></span>trong fi<span class=\"_ _0\"></span>nancial e<span class=\"_ _0\"></span>ntity.<span class=\"_ _0\"></span> The<span class=\"_ _0\"></span> Group\u2019s int<span class=\"_ _0\"></span>erna<span class=\"_ _0\"></span>l </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs16c\">risk<span class=\"_ _1\"></span> managemen<span class=\"_ _1\"></span>t proc<span class=\"_ _1\"></span>esses<span class=\"_ _1\"></span> supp<span class=\"_ _1\"></span>ort t<span class=\"_ _1\"></span>his obj<span class=\"_ _1\"></span>ective.<span class=\"_ _bc\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs16d\">Risk manag<span class=\"_ _0\"></span>ement w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Bank is m<span class=\"_ _0\"></span>ainly car<span class=\"_ _0\"></span>ried out<span class=\"_ _0\"></span> on a unif<span class=\"_ _0\"></span>ied basi<span class=\"_ _0\"></span>s, using an<span class=\"_ _0\"></span> inte<span class=\"_ _0\"></span>grate<span class=\"_ _0\"></span>d and entity<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs16e\">wide framework<span class=\"_ _1\"></span>. This fra<span class=\"_ _1\"></span>mework<span class=\"_ _1\"></span> is based<span class=\"_ _1\"></span> on local and<span class=\"_ _1\"></span> intern<span class=\"_ _1\"></span>ational gui<span class=\"_ _1\"></span>delines, su<span class=\"_ _1\"></span>ch as the Basel I<span class=\"_ _1\"></span>V Accord,<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs16f\">correspon<span class=\"_ _1\"></span>ding Directives a<span class=\"_ _1\"></span>nd Regulations<span class=\"_ _1\"></span> of<span class=\"ls1 ws1\"> <span class=\"ls8 ws11\">the European U<span class=\"_ _0\"></span>nion, incl<span class=\"_ _0\"></span>uding tec<span class=\"_ _0\"></span>hnical sta<span class=\"_ _0\"></span>ndards,<span class=\"_ _0\"></span> as w<span class=\"_ _0\"></span>ell as<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs170\">contem<span class=\"_ _0\"></span>porary inte<span class=\"_ _0\"></span>rnationa<span class=\"_ _0\"></span>l banking practi<span class=\"_ _0\"></span>ces. T<span class=\"_ _0\"></span>he Bank has adopted the<span class=\"_ _0\"></span> Standardi<span class=\"_ _0\"></span>sed Approac<span class=\"_ _0\"></span>h and the<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs171\">Basic Method<span class=\"_ _1\"></span> with respect to<span class=\"_ _1\"></span> the calcula<span class=\"_ _1\"></span>tion of capit<span class=\"_ _1\"></span>al requir<span class=\"_ _1\"></span>ements in relation<span class=\"_ _1\"></span> to, and man<span class=\"_ _1\"></span><span class=\"ls5 ws63\">agemen<span class=\"_ _1\"></span>t of, </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws78 gs172\">credit and marke<span class=\"_ _0\"></span>t risks, and the<span class=\"_ _0\"></span> Basic Indicator<span class=\"_ _0\"></span> Approach w<span class=\"_ _0\"></span>ith respect to ope<span class=\"_ _0\"></span>rational ri<span class=\"_ _0\"></span>sk. The Bank<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs173\">regula<span class=\"_ _0\"></span>rly updates i<span class=\"_ _0\"></span>ts In<span class=\"_ _0\"></span>ternal<span class=\"_ _0\"></span> Ca<span class=\"_ _0\"></span>pital and Li<span class=\"_ _0\"></span>quidit<span class=\"_ _0\"></span>y Adequac<span class=\"_ _0\"></span>y Asses<span class=\"_ _0\"></span>sment<span class=\"_ _0\"></span> Proce<span class=\"_ _0\"></span>sses (ICA<span class=\"_ _0\"></span>AP and<span class=\"_ _0\"></span> ILAAP)<span class=\"_ _0\"></span>, that<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs174\">are approve<span class=\"_ _0\"></span>d by the B<span class=\"_ _0\"></span>oard of <span class=\"_ _0\"></span>Dire<span class=\"_ _0\"></span>cto<span class=\"lsa ws24\">rs.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs175\">2.1.2<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span>Orga<span class=\"_ _1\"></span>nisation<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs176\"> <span class=\"_ _9c\"> </span><span class=\"ls8 ws2d\">The B<span class=\"_ _0\"></span>ank\u2019s Board of Di<span class=\"_ _0\"></span>rectors is r<span class=\"_ _0\"></span>esponsible<span class=\"_ _0\"></span> for e<span class=\"_ _0\"></span>nsuring that adequa<span class=\"_ _0\"></span>te proce<span class=\"_ _0\"></span>sses and proc<span class=\"_ _0\"></span>edures e<span class=\"_ _0\"></span>xist to </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2f gs177\">ensu<span class=\"_ _1\"></span>re effe<span class=\"_ _1\"></span>ctive in<span class=\"_ _1\"></span>terna<span class=\"_ _1\"></span>l co<span class=\"_ _1\"></span>ntro<span class=\"_ _1\"></span>l sys<span class=\"_ _1\"></span>tems for<span class=\"_ _1\"></span> the Gr<span class=\"_ _1\"></span>oup.<span class=\"_ _1\"></span> These<span class=\"_ _1\"></span> intern<span class=\"_ _1\"></span>al cont<span class=\"_ _1\"></span>rol s<span class=\"_ _1\"></span>ystems<span class=\"_ _1\"></span> ensu<span class=\"_ _1\"></span>re that<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs178\">decision<span class=\"ls1 ws1\">-</span><span class=\"ws23\">makin<span class=\"_ _1\"></span>g capability<span class=\"_ _1\"></span> and the accu<span class=\"_ _1\"></span>racy of the repo<span class=\"_ _1\"></span>rting and fin<span class=\"_ _1\"></span>ancial result<span class=\"_ _1\"></span>s are maintain<span class=\"_ _1\"></span>ed at a high </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs179\">level at<span class=\"_ _1\"></span> all times<span class=\"_ _1\"></span>. Th<span class=\"_ _1\"></span>e Board<span class=\"_ _1\"></span> assu<span class=\"_ _1\"></span>mes res<span class=\"_ _1\"></span>pons<span class=\"_ _1\"></span>ibilit<span class=\"_ _1\"></span>y for:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs17a\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws49\">setting bu<span class=\"_ _1\"></span>siness obj<span class=\"_ _1\"></span>ectives, goals an<span class=\"_ _1\"></span>d the general strategic<span class=\"_ _1\"></span> direction for Ma<span class=\"_ _1\"></span>nagement w<span class=\"_ _1\"></span>ith a view to </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs17b\">maximis<span class=\"_ _1\"></span>e valu<span class=\"_ _1\"></span>e;<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs17c\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws53\">selec<span class=\"_ _0\"></span>ting and appoi<span class=\"_ _0\"></span>nting the<span class=\"_ _0\"></span> Chief Executive<span class=\"_ _0\"></span> Officer<span class=\"_ _0\"></span> who is entrusted w<span class=\"_ _0\"></span>ith the da<span class=\"_ _0\"></span>y<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls7 ws84\">day operations of </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs17d\">the Gr<span class=\"_ _0\"></span>oup;<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs17e\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">manag<span class=\"_ _1\"></span>ement o<span class=\"_ _1\"></span>f the Grou<span class=\"_ _1\"></span>p\u2019s<span class=\"_ _1\"></span> operat<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span>;</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs17f\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">ensuring t<span class=\"_ _0\"></span>hat signif<span class=\"_ _0\"></span>icant bu<span class=\"_ _0\"></span>sine<span class=\"_ _0\"></span>ss risks are<span class=\"_ _0\"></span> identif<span class=\"_ _0\"></span>ied and ap<span class=\"_ _0\"></span>propri<span class=\"_ _0\"></span>ately m<span class=\"_ _0\"></span>anaged;<span class=\"_ _0\"></span> and<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs180\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws2d\">setting t<span class=\"_ _0\"></span>he highe<span class=\"_ _0\"></span>st business <span class=\"_ _0\"></span>standards an<span class=\"_ _0\"></span>d code<span class=\"_ _0\"></span> for e<span class=\"_ _0\"></span>thical behavi<span class=\"_ _0\"></span>our, and moni<span class=\"_ _0\"></span>toring ad<span class=\"_ _0\"></span>here<span class=\"_ _0\"></span>nce wi<span class=\"_ _0\"></span>th </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs181\">thes<span class=\"_ _1\"></span>e.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs182\">In decidin<span class=\"_ _1\"></span>g how best to d<span class=\"_ _1\"></span>ischarge its resp<span class=\"_ _1\"></span>onsibilit<span class=\"_ _1\"></span>ies, the Board up<span class=\"_ _1\"></span>holds a policy<span class=\"_ _1\"></span> of clear demarcation<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs183\">betwee<span class=\"_ _0\"></span>n its role<span class=\"_ _0\"></span> and responsibi<span class=\"_ _0\"></span>litie<span class=\"_ _0\"></span>s and those of<span class=\"_ _0\"></span> Manageme<span class=\"_ _0\"></span>nt. It has de<span class=\"_ _0\"></span>fine<span class=\"_ _0\"></span>d the level<span class=\"_ _0\"></span> of authority that<span class=\"_ _0\"></span> it<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws125 gs184\">retains over strateg<span class=\"_ _0\"></span>y formulation and pol<span class=\"_ _0\"></span>ic<span class=\"ls8 ws126\">y dete<span class=\"_ _0\"></span>rmination, and<span class=\"_ _0\"></span> dele<span class=\"_ _0\"></span>gate<span class=\"_ _0\"></span>d authority and <span class=\"_ _0\"></span>veste<span class=\"_ _0\"></span>d </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wse7 gs185\">accountability for the<span class=\"_ _0\"></span> Bank\u2019s day<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls8 wsed\">day busine<span class=\"_ _0\"></span>ss in the<span class=\"_ _0\"></span> Assets &amp; Li<span class=\"_ _0\"></span>abiliti<span class=\"_ _0\"></span>es Commi<span class=\"_ _0\"></span>ttee<span class=\"_ _0\"></span> and Credit </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws21 gs186\">Commit<span class=\"_ _1\"></span>tee, an<span class=\"_ _1\"></span>d, for t<span class=\"_ _1\"></span>he Gro<span class=\"_ _1\"></span>up\u2019<span class=\"_ _1\"></span>s day<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls8 ws20\">day operations<span class=\"_ _0\"></span>, in a<span class=\"_ _0\"></span>n Exe<span class=\"_ _0\"></span>cutive T<span class=\"_ _0\"></span>eam<span class=\"_ _0\"></span> comprising the<span class=\"_ _0\"></span> Chief<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs187\">Executiv<span class=\"ls5 ws3b\">e O<span class=\"_ _1\"></span>fficer,<span class=\"_ _1\"></span> Deputy<span class=\"_ _1\"></span> Chi<span class=\"_ _1\"></span>ef Execut<span class=\"_ _1\"></span>ive O<span class=\"_ _1\"></span>fficers<span class=\"_ _1\"></span> and Ch<span class=\"_ _1\"></span>ief Offi<span class=\"_ _1\"></span>cers. Th<span class=\"_ _1\"></span>e Audit<span class=\"_ _1\"></span> &amp; Risk<span class=\"_ _1\"></span> Committ<span class=\"_ _1\"></span>ee revi<span class=\"_ _1\"></span>ews </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs188\">the pr<span class=\"_ _1\"></span>ocess<span class=\"_ _1\"></span>es and p<span class=\"_ _1\"></span>rocedu<span class=\"_ _1\"></span>res to<span class=\"_ _1\"></span> ensu<span class=\"_ _1\"></span>re the effecti<span class=\"_ _1\"></span>veness<span class=\"_ _1\"></span> of t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s sy<span class=\"_ _1\"></span>stem of i<span class=\"_ _1\"></span>nternal c<span class=\"_ _1\"></span>ontro<span class=\"_ _1\"></span>l, as well </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws127 gs189\">as the implementation of<span class=\"_ _0\"></span> the Board\u2019s risk strategy<span class=\"ls1 ws1\"> <span class=\"_ _1d\"> </span><span class=\"ls5 ws3e\">by managem<span class=\"_ _1\"></span>ent. Th<span class=\"_ _1\"></span>e Audit<span class=\"_ _1\"></span> &amp; Ri<span class=\"_ _1\"></span>sk Commit<span class=\"_ _1\"></span>tee is<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs18a\">supported b<span class=\"_ _0\"></span>y the Inte<span class=\"_ _0\"></span>rnal Aud<span class=\"_ _0\"></span>it, Ri<span class=\"_ _0\"></span>sk Manage<span class=\"_ _0\"></span>ment a<span class=\"_ _0\"></span>nd Complianc<span class=\"_ _0\"></span>e funct<span class=\"_ _0\"></span>ions.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws9f gs18c\">Authority to operate the<span class=\"_ _0\"></span> Bank <span class=\"ls6 ws49\">and i<span class=\"_ _1\"></span>ts subsid<span class=\"_ _1\"></span>iaries <span class=\"ls5 ws72\">i<span class=\"_ _1\"></span>s delega<span class=\"_ _1\"></span>ted to t<span class=\"_ _1\"></span>he Chief E<span class=\"_ _1\"></span>xecuti<span class=\"_ _1\"></span>ve Offi<span class=\"_ _1\"></span>cer wit<span class=\"_ _1\"></span>hin th<span class=\"_ _1\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs18d\">limit<span class=\"_ _0\"></span>s set by the Board.<span class=\"_ _0\"></span> The Board is ulti<span class=\"_ _0\"></span>mate<span class=\"_ _0\"></span>ly responsible<span class=\"_ _0\"></span> for the<span class=\"_ _0\"></span> Group\u2019s system o<span class=\"_ _0\"></span>f internal<span class=\"_ _0\"></span> control a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs18e\">for rev<span class=\"_ _1\"></span>iewing its<span class=\"_ _1\"></span> effecti<span class=\"_ _1\"></span>ven<span class=\"_ _1\"></span>ess. S<span class=\"_ _1\"></span>uch a sy<span class=\"_ _1\"></span>stem is d<span class=\"_ _1\"></span>esigned<span class=\"_ _1\"></span> to manag<span class=\"_ _1\"></span>e rather<span class=\"_ _1\"></span> than<span class=\"_ _1\"></span> eliminat<span class=\"_ _1\"></span>e the ris<span class=\"_ _1\"></span>k of fail<span class=\"_ _1\"></span>ure </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs18f\">to achie<span class=\"_ _0\"></span>ve business obje<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span>s, and can provi<span class=\"_ _0\"></span>de only re<span class=\"_ _0\"></span>asonable, and not absol<span class=\"_ _0\"></span>ute, a<span class=\"_ _0\"></span>ssurance a<span class=\"_ _0\"></span>gainst<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs190\">materia<span class=\"_ _1\"></span>l mis<span class=\"_ _1\"></span>stat<span class=\"_ _1\"></span>ement or l<span class=\"_ _1\"></span>oss.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs191\"> <span class=\"_ _9c\"> </span><span class=\"ls8 ws18\">The G<span class=\"_ _0\"></span>roup is com<span class=\"_ _0\"></span>mitte<span class=\"_ _0\"></span>d to the hi<span class=\"_ _0\"></span>ghest <span class=\"_ _0\"></span>standard<span class=\"_ _0\"></span>s of busi<span class=\"_ _0\"></span>ness <span class=\"_ _0\"></span>conduct a<span class=\"_ _0\"></span>nd see<span class=\"_ _0\"></span>ks to m<span class=\"_ _0\"></span>aintain<span class=\"_ _0\"></span> these<span class=\"_ _0\"></span> standards<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs192\">across all o<span class=\"_ _0\"></span>peratio<span class=\"_ _0\"></span>ns. Group pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s and procedur<span class=\"_ _0\"></span>es are in place<span class=\"_ _0\"></span> for the repor<span class=\"_ _0\"></span>ting and addressing<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs193\">fraudulent<span class=\"_ _1\"></span> activities.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs194\"> <span class=\"_ _9c\"> </span><span class=\"ls8 ws2d\">The G<span class=\"_ _0\"></span>roup has an appropr<span class=\"_ _0\"></span>iate<span class=\"_ _0\"></span> organi<span class=\"_ _0\"></span>sational str<span class=\"_ _0\"></span>ucture<span class=\"_ _0\"></span> for pl<span class=\"_ _0\"></span>anning, e<span class=\"_ _0\"></span>xecuti<span class=\"_ _0\"></span>ng, contr<span class=\"_ _0\"></span>olling a<span class=\"_ _0\"></span>nd monitor<span class=\"_ _0\"></span>ing </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs195\">business ope<span class=\"_ _0\"></span>rations i<span class=\"_ _0\"></span>n order t<span class=\"_ _0\"></span>o achi<span class=\"_ _0\"></span>eve G<span class=\"_ _0\"></span>roup objec<span class=\"_ _0\"></span>tives.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs196\">2.1.3<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span><span class=\"ws7\">Ris<span class=\"_ _1\"></span>k policies<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs197\">The Bank\u2019s Bo<span class=\"_ _1\"></span>ard of Directors is empower<span class=\"_ _1\"></span>ed to set out th<span class=\"_ _1\"></span>e overall risk poli<span class=\"_ _1\"></span>cies and limits for all material ris<span class=\"_ _1\"></span>k </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs198\">types. The<span class=\"_ _0\"></span> Board a<span class=\"_ _0\"></span>lso de<span class=\"_ _0\"></span>cides on<span class=\"_ _0\"></span> the g<span class=\"_ _0\"></span>enera<span class=\"_ _0\"></span>l princi<span class=\"_ _0\"></span>ples for<span class=\"_ _0\"></span> managi<span class=\"_ _0\"></span>ng and moni<span class=\"_ _0\"></span>toring<span class=\"_ _0\"></span> risks<span class=\"ls1a ws77\">. <span class=\"_ _10\"> </span><span class=\"ls7 wsf\">The Board </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs199\">provid<span class=\"_ _1\"></span>es written princip<span class=\"_ _1\"></span>les for ov<span class=\"_ _1\"></span>erall risk mana<span class=\"_ _1\"></span>gement, as well as<span class=\"_ _1\"></span> written p<span class=\"_ _1\"></span>olicies cov<span class=\"_ _1\"></span>ering sp<span class=\"_ _1\"></span>ecific areas, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs19a\">such as<span class=\"_ _1\"></span> foreign exchange r<span class=\"_ _1\"></span>isk, int<span class=\"_ _1\"></span>erest rate risk,<span class=\"_ _1\"></span> credit risk, u<span class=\"_ _1\"></span>se of deriv<span class=\"_ _1\"></span>ative financia<span class=\"_ _1\"></span>l instr<span class=\"_ _1\"></span>uments and<span class=\"_ _1\"></span> non<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs19b\">derivativ<span class=\"_ _1\"></span>e financial ins<span class=\"_ _1\"></span><span class=\"ls5\">trument<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs19c\">Internal<span class=\"_ _0\"></span> controls, pr<span class=\"_ _0\"></span>ocedur<span class=\"_ _0\"></span>es and pr<span class=\"_ _0\"></span>ocesses ar<span class=\"_ _0\"></span>e mana<span class=\"_ _0\"></span>ged wi<span class=\"_ _0\"></span>thin the f<span class=\"_ _0\"></span>ollow<span class=\"_ _0\"></span>ing are<span class=\"_ _0\"></span>as:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs19d\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws8\">Finance<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs19e\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 lsa ws24\">Treasury </span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs19f\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws7\">Credit<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1a0\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">Internal<span class=\"_ _0\"></span> Audit<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1a1\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">Risk M<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1a2\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 lsa ws24\">IT</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1a3\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws8\">Compliance<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1a4\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1\">Anti-<span class=\"ls8 wsa\">Money Launde<span class=\"_ _0\"></span>ring<span class=\"ls1 ws1\"> </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs1a5\">2.1.4   Risk ap<span class=\"_ _1\"></span>petite<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs1a6\"> <span class=\"_ _9c\"> </span><span class=\"ls5 ws3f\">The ris<span class=\"_ _1\"></span>k app<span class=\"_ _1\"></span>etite det<span class=\"_ _1\"></span>ermines t<span class=\"_ _1\"></span>he ma<span class=\"_ _1\"></span>ximu<span class=\"_ _1\"></span>m risk t<span class=\"_ _1\"></span>hat the Gro<span class=\"_ _1\"></span>up is<span class=\"_ _1\"></span> willin<span class=\"_ _1\"></span>g to ass<span class=\"_ _1\"></span>ume to meet b<span class=\"_ _1\"></span>usi<span class=\"_ _1\"></span>ness ta<span class=\"_ _1\"></span>rgets. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs1a7\">To ensure<span class=\"_ _0\"></span> coher<span class=\"_ _0\"></span>ence<span class=\"_ _0\"></span> between the<span class=\"_ _0\"></span> Group\u2019<span class=\"_ _0\"></span>s stra<span class=\"_ _0\"></span>tegic<span class=\"_ _0\"></span> consi<span class=\"_ _0\"></span>derati<span class=\"_ _0\"></span>ons regar<span class=\"_ _0\"></span>ding risk<span class=\"ls1 ws1\">-<span class=\"ls7 ws54\">t<span class=\"_ _0\"></span>aking and day<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls9 wsa\">to<span class=\"ls1 ws1\">-<span class=\"ls1b ws6\">day </span></span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws68 gs1a8\">decis<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span>, from time t<span class=\"_ _1\"></span>o ti<span class=\"_ _1\"></span>me, th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> formul<span class=\"ls8 ws67\">ates and updates its ris<span class=\"_ _0\"></span>k appeti<span class=\"_ _0\"></span>te fo<span class=\"_ _0\"></span>r the purpose<span class=\"_ _0\"></span>s of </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs1a9\">strateg<span class=\"_ _0\"></span>ic dire<span class=\"_ _0\"></span>ction. The<span class=\"_ _0\"></span> Group\u2019s risk appe<span class=\"_ _0\"></span>tite<span class=\"_ _0\"></span> is set in a pr<span class=\"_ _0\"></span>ocess based o<span class=\"_ _0\"></span>n a thorough anal<span class=\"_ _11\"></span>ysis of its current </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs1aa\">risk prof<span class=\"_ _0\"></span>ile. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup identi<span class=\"_ _0\"></span>fies a numbe<span class=\"_ _0\"></span>r of k<span class=\"_ _0\"></span>ey risk c<span class=\"_ _0\"></span>omponents and<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> each, de<span class=\"_ _0\"></span>termine<span class=\"_ _0\"></span><span class=\"ls9 ws128\">s a target that </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs1ab\">repres<span class=\"_ _1\"></span>ents t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s v<span class=\"_ _1\"></span>iew of th<span class=\"_ _1\"></span>e compon<span class=\"_ _1\"></span>ent in<span class=\"_ _1\"></span> ques<span class=\"_ _1\"></span>tion.<span class=\"_ _1\"></span> The follo<span class=\"_ _1\"></span>wing a<span class=\"_ _1\"></span>re the key<span class=\"_ _1\"></span> risk<span class=\"_ _1\"></span> comp<span class=\"_ _1\"></span>onent<span class=\"_ _1\"></span>s:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1ac\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Credit risk</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1ad\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 lsa ws44\">Market risk</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1ae\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Capital ris<span class=\"_ _1\"></span>k</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1af\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Liquidit<span class=\"_ _1\"></span>y risk</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1b0\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Operationa<span class=\"_ _1\"></span>l risk</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1b1\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">Inform<span class=\"_ _0\"></span>ation &amp; cybe<span class=\"_ _0\"></span>r secur<span class=\"_ _0\"></span>ity risk<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1b2\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Information<span class=\"_ _1\"></span> technology ris<span class=\"_ _1\"></span>k</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1b3\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">Infor<span class=\"_ _1\"></span>mation<span class=\"_ _1\"></span> manage<span class=\"_ _1\"></span>ment ri<span class=\"_ _1\"></span>sk</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1b4\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Financial cri<span class=\"_ _1\"></span>me risk</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1b5\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Compliance risk<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1b6\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws7\">Enviro<span class=\"_ _1\"></span>nmental, so<span class=\"_ _1\"></span>cial and governance (\u2018ESG\u2019) r<span class=\"_ _1\"></span>isk</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs1b8\">2.1.5<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span></span>Repo<span class=\"_ _1\"></span>rting<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs1b9\"> <span class=\"_ _9c\"> </span><span class=\"ls8 wsa\">The G<span class=\"_ _0\"></span>roup alloc<span class=\"_ _0\"></span>ates co<span class=\"_ _0\"></span>nsiderable r<span class=\"_ _0\"></span>esource<span class=\"_ _0\"></span>s to ensure<span class=\"_ _0\"></span> the ongoi<span class=\"_ _0\"></span>ng com<span class=\"_ _0\"></span>pliance<span class=\"_ _0\"></span> with approve<span class=\"_ _0\"></span>d limit<span class=\"_ _0\"></span>s and to<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs1ba\">monitor i<span class=\"_ _0\"></span>ts asse<span class=\"_ _0\"></span>t portfol<span class=\"_ _0\"></span>io. In<span class=\"_ _0\"></span> particul<span class=\"_ _0\"></span>ar, t<span class=\"_ _0\"></span>he Bank ha<span class=\"_ _0\"></span>s a f<span class=\"_ _0\"></span>ixe<span class=\"_ _0\"></span>d reporti<span class=\"_ _0\"></span>ng cycl<span class=\"_ _0\"></span>e to ensur<span class=\"_ _0\"></span>e tha<span class=\"_ _0\"></span>t the re<span class=\"_ _0\"></span>levan<span class=\"_ _0\"></span>t </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs1bb\">manage<span class=\"_ _0\"></span>ment bodie<span class=\"_ _0\"></span>s, includin<span class=\"_ _0\"></span>g the<span class=\"_ _0\"></span> Board of<span class=\"_ _0\"></span> D<span class=\"ls5 ws72\">irectors<span class=\"_ _1\"></span> and the E<span class=\"_ _1\"></span>xecutiv<span class=\"_ _1\"></span>e Team, ar<span class=\"_ _1\"></span>e kept<span class=\"_ _1\"></span> informed<span class=\"_ _1\"></span> on an </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs1bc\">ongo<span class=\"_ _1\"></span>ing ba<span class=\"_ _1\"></span>sis of dev<span class=\"_ _1\"></span>elopmen<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e asset p<span class=\"_ _1\"></span>ortfoli<span class=\"_ _1\"></span>o, <span class=\"ls1b ws6\">on <span class=\"_ _13\"></span><span class=\"ls7 wsc\">such matte<span class=\"_ _0\"></span>rs as non<span class=\"ls1 ws1\">-</span>performi<span class=\"_ _0\"></span>ng loans and other<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs1bd\">relevan<span class=\"_ _1\"></span>t info<span class=\"_ _1\"></span>rmatio<span class=\"_ _1\"></span>n.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs1be\">2.2<span class=\"ls1 ws1\"> <span class=\"_ _49\"> </span><span class=\"ls5 ws6\">Risk<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ures</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs1bf\"> <span class=\"_ _9c\"> </span><span class=\"ls6 ws1d\">In terms of<span class=\"_ _1\"></span> the Capital <span class=\"_ _1\"></span>Requirem<span class=\"_ _1\"></span>ent Regulation<span class=\"_ _1\"></span> (\u2018CRR\u2019),</span> <span class=\"ls7 ws26\">\u2018an exposure\u2019 is the amount at risk arising from the </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs1c0\">reporti<span class=\"_ _0\"></span>ng cre<span class=\"_ _0\"></span>dit institut<span class=\"_ _0\"></span>ion's asset<span class=\"_ _0\"></span>s and off<span class=\"ls1 ws1\">-</span>ba<span class=\"_ _0\"></span>lance she<span class=\"_ _0\"></span>et item<span class=\"_ _0\"></span>s. Consiste<span class=\"_ _0\"></span>nt with t<span class=\"_ _0\"></span>his, an expo<span class=\"_ _0\"></span>sure woul<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1c1\">include<span class=\"_ _0\"></span> the amount<span class=\"_ _0\"></span> at risk ari<span class=\"_ _11\"></span>sing from the B<span class=\"_ _0\"></span>ank\u2019s: <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1c2\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 wsd\">claims on a cu<span class=\"_ _1\"></span>stomer in<span class=\"_ _1\"></span>cluding act<span class=\"_ _1\"></span>ual and p<span class=\"_ _1\"></span>otential claims<span class=\"_ _1\"></span> which would<span class=\"_ _1\"></span> arise fro<span class=\"_ _1\"></span>m the d<span class=\"_ _1\"></span>rawing down </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs1c3\">in full of un<span class=\"_ _1\"></span>drawn adv<span class=\"_ _1\"></span>ised facilities, wh<span class=\"_ _1\"></span>ich the Bank h<span class=\"_ _1\"></span>as committed its<span class=\"_ _1\"></span>elf to provide;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1c4\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls6 ws61\">contingent<span class=\"_ _1\"></span> liabilities ari<span class=\"_ _1\"></span>sing in the normal co<span class=\"_ _1\"></span>urse of business<span class=\"_ _1\"></span>, and those contin<span class=\"_ _1\"></span>gent liabilities which<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1c5\">would ari<span class=\"_ _0\"></span>se fro<span class=\"_ _0\"></span>m the drawi<span class=\"_ _0\"></span>ng down in ful<span class=\"_ _0\"></span>l of undraw<span class=\"_ _0\"></span>n advis<span class=\"_ _0\"></span>ed fac<span class=\"_ _0\"></span>ilities w<span class=\"_ _0\"></span>hich the<span class=\"_ _0\"></span> Bank has com<span class=\"_ _0\"></span>mitte<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs1c6\">itself t<span class=\"_ _1\"></span>o pro<span class=\"_ _1\"></span>vide; a<span class=\"_ _1\"></span>nd<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1c7\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls7\">other on and off<span class=\"ls1\">-<span class=\"ls5 ws6\">balance s<span class=\"_ _1\"></span>heet<span class=\"_ _1\"></span> financ<span class=\"_ _1\"></span>ial as<span class=\"_ _1\"></span>sets a<span class=\"_ _1\"></span>nd commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span>.</span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs1c8\"> <span class=\"_ _9c\"> </span><span class=\"ls5 ws6\">The Grou<span class=\"_ _1\"></span>p is exp<span class=\"_ _1\"></span>osed<span class=\"_ _1\"></span> to a n<span class=\"_ _1\"></span>umber of ris<span class=\"_ _1\"></span>ks,<span class=\"_ _1\"></span> which it<span class=\"_ _1\"></span> manag<span class=\"_ _1\"></span>es at<span class=\"_ _1\"></span> different<span class=\"_ _1\"></span> organ<span class=\"_ _1\"></span>isati<span class=\"_ _1\"></span>onal l<span class=\"_ _1\"></span>evels.<span class=\"_ _1\"></span></span><span class=\"ff5\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs1c9\">The main c<span class=\"_ _0\"></span>ategories of risk are<span class=\"_ _0\"></span>:<span class=\"ls1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1ca\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff5 ls18 ws129\">Credit<span class=\"_ _1\"></span> risk<span class=\"ff1 ls5 ws2a\">:<span class=\"_ _1\"></span> Credit<span class=\"_ _1\"></span> risk<span class=\"_ _1\"></span> stems fr<span class=\"_ _1\"></span>om the p<span class=\"_ _1\"></span>ossi<span class=\"_ _1\"></span>ble non<span class=\"_ _1\"></span></span></span><span class=\"ff1\">-<span class=\"ls8 ws2d\">prompt r<span class=\"_ _0\"></span>epaym<span class=\"_ _0\"></span>ent or no<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-</span>payme<span class=\"_ _0\"></span>nt of ex<span class=\"_ _0\"></span>isting and </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs1cb\">continge<span class=\"_ _0\"></span>nt oblig<span class=\"_ _0\"></span>ations by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup\u2019s counte<span class=\"_ _0\"></span>rparti<span class=\"_ _0\"></span>es, resul<span class=\"_ _0\"></span>ting<span class=\"_ _0\"></span> in the lo<span class=\"_ _0\"></span>ss of e<span class=\"_ _0\"></span>quity and<span class=\"_ _0\"></span> prof<span class=\"_ _0\"></span>it. It i<span class=\"_ _0\"></span>s the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs1cc\">risk tha<span class=\"_ _1\"></span>t deterioration<span class=\"_ _1\"></span> in the finan<span class=\"_ _1\"></span>cial conditio<span class=\"_ _1\"></span>n of a bo<span class=\"ls5 ws6\">rro<span class=\"_ _1\"></span>wer will cau<span class=\"_ _1\"></span>se th<span class=\"_ _1\"></span>e asset<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e to decr<span class=\"_ _1\"></span>ease or<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs1cd\">be exti<span class=\"_ _0\"></span>nguished.<span class=\"_ _0\"></span> Country ri<span class=\"_ _0\"></span>sk and settleme<span class=\"_ _0\"></span>nt risk are<span class=\"_ _0\"></span> included in t<span class=\"_ _0\"></span>his categ<span class=\"_ _0\"></span>ory. Count<span class=\"_ _0\"></span>ry risk ref<span class=\"_ _0\"></span>ers to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs1ce\">the risk of lo<span class=\"_ _1\"></span>sses aris<span class=\"_ _1\"></span>ing from economic or p<span class=\"_ _1\"></span>olitical ch<span class=\"_ _1\"></span>anges that<span class=\"_ _1\"></span> affect the country<span class=\"_ _1\"></span> from which<span class=\"_ _1\"></span> the as<span class=\"lsf ws23\">s<span class=\"_ _1\"></span>et </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs1cf\">origin<span class=\"_ _1\"></span>ates.<span class=\"_ _1\"></span> Settle<span class=\"_ _1\"></span>ment r<span class=\"_ _1\"></span>isk re<span class=\"_ _1\"></span>fers t<span class=\"_ _1\"></span>o the ris<span class=\"_ _1\"></span>k of lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> throu<span class=\"_ _1\"></span>gh fai<span class=\"_ _1\"></span>lure of th<span class=\"_ _1\"></span>e cou<span class=\"_ _1\"></span>nterp<span class=\"_ _1\"></span>art<span class=\"_ _1\"></span>y to s<span class=\"_ _1\"></span>ettle </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1d0\">outstanding <span class=\"_ _0\"></span>dues on t<span class=\"_ _0\"></span>he sett<span class=\"_ _0\"></span>lement da<span class=\"_ _0\"></span>te owi<span class=\"_ _0\"></span>ng to bankrup<span class=\"_ _0\"></span>tcy or o<span class=\"_ _0\"></span>ther ca<span class=\"_ _0\"></span>uses. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1d1\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff5 ls18 ws2c\">Marke<span class=\"_ _1\"></span>t risk<span class=\"ff1 ls6 ws1d\">: Ris<span class=\"_ _1\"></span>k of losses a<span class=\"_ _1\"></span>rising from unfavo<span class=\"_ _1\"></span>urable chan<span class=\"_ _1\"></span>ges in the level and v<span class=\"_ _1\"></span>olatility of interest rates<span class=\"_ _1\"></span>, </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs1d2\">foreign<span class=\"_ _1\"></span> excha<span class=\"_ _1\"></span>nge rat<span class=\"_ _1\"></span>es or in<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>ment pr<span class=\"_ _1\"></span>ices. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1d3\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff5 ls6 ws7\">Liquidity risk<span class=\"ff1 ls8 wsa\">: Liquidity risk m<span class=\"_ _0\"></span>ay be divide<span class=\"_ _0\"></span>d into tw<span class=\"_ _0\"></span>o sub<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">categories:</span> </span></span></span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs1d4\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws4f\">Marke<span class=\"_ _0\"></span>t (product<span class=\"_ _0\"></span>) liquidi<span class=\"_ _0\"></span>ty<span class=\"ff5 ls1 ws1\"> <span class=\"_ _10\"> </span></span><span class=\"ls6 ws61\">risk: Risk of losses aris<span class=\"_ _1\"></span>ing from difficulty i<span class=\"_ _1\"></span>n accessing a<span class=\"_ _1\"></span> product or </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1d5\">marke<span class=\"_ _0\"></span>t at the re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d time, pri<span class=\"_ _0\"></span>ce and am<span class=\"_ _0\"></span>ount.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs1d6\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws121\">Funding liq<span class=\"_ _1\"></span>uidity ris<span class=\"_ _1\"></span>k: Risk of los<span class=\"_ _1\"></span>ses arisin<span class=\"_ _1\"></span>g from a timing m<span class=\"_ _1\"></span>ismatch b<span class=\"_ _1\"></span>etween inv<span class=\"_ _1\"></span>esting, </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws61 gs1d7\">placements<span class=\"_ _1\"></span> and fund raisin<span class=\"_ _1\"></span>g activities result<span class=\"_ _1\"></span>ing in obligation<span class=\"_ _1\"></span>s missing the settlement d<span class=\"_ _1\"></span>ate or </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1d8\">satisfie<span class=\"_ _0\"></span>d at highe<span class=\"_ _0\"></span>r than norm<span class=\"_ _0\"></span>al r<span class=\"_ _0\"></span>ates. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1d9\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff5 lsb ws6a\">Operational<span class=\"_ _0\"></span> risk<span class=\"ff1 ls6 ws1c\">: Risk of los<span class=\"_ _1\"></span>s resultin<span class=\"_ _1\"></span>g from the lack o<span class=\"_ _1\"></span>f skilf<span class=\"_ _1\"></span>ul management o<span class=\"_ _1\"></span>r good <span class=\"_ _1\"></span>governa<span class=\"_ _1\"></span>nce within </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs1da\">the Gr<span class=\"_ _0\"></span>oup and the inade<span class=\"_ _0\"></span>quacy of<span class=\"_ _0\"></span> proper c<span class=\"_ _0\"></span>ontrol, w<span class=\"_ _0\"></span>hich might<span class=\"_ _0\"></span> involve int<span class=\"_ _0\"></span>ernal ope<span class=\"_ _0\"></span>rations, pe<span class=\"_ _0\"></span>rsonnel<span class=\"_ _0\"></span>, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs1db\">sys<span class=\"_ _1\"></span>tems or ext<span class=\"_ _1\"></span>ernal o<span class=\"_ _1\"></span>ccurren<span class=\"_ _1\"></span>ces tha<span class=\"_ _1\"></span>t in turn a<span class=\"_ _1\"></span>ffect the i<span class=\"_ _1\"></span>ncome and<span class=\"_ _1\"></span> ca<span class=\"ls6 ws12\">pital fun<span class=\"_ _1\"></span>ds of financial inst<span class=\"_ _1\"></span>itutions. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6e gs1dc\">The Bank has adopte<span class=\"_ _0\"></span>d an operational ri<span class=\"_ _0\"></span>sk manageme<span class=\"_ _0\"></span>nt framework and proce<span class=\"_ _0\"></span>dures, whic<span class=\"_ _0\"></span>h provide for<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs1dd\">the identifi<span class=\"_ _0\"></span>cation, assessment, manage<span class=\"_ _0\"></span>ment, monitoring and reporti<span class=\"_ _0\"></span>ng of the Bank\u2019s oper<span class=\"_ _0\"></span>ational risks.<span class=\"_ _0\"></span><span class=\"ls1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs1de\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff5 ls5 ws3f\">ESG risk<span class=\"_ _1\"></span>:</span><span class=\"ff1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">E<span class=\"_ _1\"></span>SG risks<span class=\"_ _1\"></span> refer to<span class=\"_ _1\"></span> the ris<span class=\"_ _1\"></span>ks of a<span class=\"_ _1\"></span>ny negat<span class=\"_ _1\"></span>ive fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> impact on<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p and<span class=\"_ _1\"></span>/or Bank<span class=\"_ _1\"></span> stemmin<span class=\"_ _1\"></span>g </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws82 gs1df\">from environm<span class=\"_ _0\"></span>ental, social and gover<span class=\"_ _0\"></span>nance factors that<span class=\"_ _0\"></span> may have a ne<span class=\"_ _0\"></span>gative impac<span class=\"_ _0\"></span>t on the fi<span class=\"_ _0\"></span>nancial </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws4d gs1e0\">performa<span class=\"_ _1\"></span>nce o<span class=\"_ _1\"></span>f the <span class=\"_ _1\"></span>Group o<span class=\"_ _1\"></span>r sol<span class=\"_ _1\"></span>vency o<span class=\"_ _1\"></span>f the Ban<span class=\"_ _1\"></span>k. The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> <span class=\"ls9 ws11d\">continues to evaluate its potential </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs1e1\">expos<span class=\"_ _1\"></span>ure to<span class=\"_ _1\"></span>wards<span class=\"_ _1\"></span> climate a<span class=\"_ _1\"></span>nd env<span class=\"_ _1\"></span>ironmen<span class=\"_ _1\"></span>tal ri<span class=\"_ _1\"></span>sks.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1e2\">The B<span class=\"_ _0\"></span>ank\u2019s approach to<span class=\"_ _0\"></span> mana<span class=\"_ _0\"></span>gement o<span class=\"_ _0\"></span>f the abo<span class=\"_ _0\"></span>ve risks is a<span class=\"_ _0\"></span>ddresse<span class=\"_ _0\"></span>d in this<span class=\"_ _0\"></span> note.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs1e4\">2.3 <span class=\"ls1 ws1\"> <span class=\"_ _51\"> </span></span><span class=\"ws7\">Cred<span class=\"_ _1\"></span>it risk<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs1e5\">2.3.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls8 ws16\">Introduction</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws61 gs1e6\">Credit risk is th<span class=\"_ _1\"></span>e risk of suffering financial los<span class=\"_ _1\"></span>s, should any of the Group\u2019s cus<span class=\"_ _1\"></span>tomers, clients or<span class=\"_ _1\"></span> market </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws30 gs1e7\">counterpa<span class=\"_ _1\"></span>rties fail to fulfil their con<span class=\"_ _1\"></span>tractual ob<span class=\"_ _1\"></span>ligations to the Group<span class=\"_ _1\"></span>. Credit risk arises mainly<span class=\"_ _1\"></span> from </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws84 gs1e8\">consumer loans and adva<span class=\"_ _0\"></span>nces and loan com<span class=\"_ _0\"></span>mit<span class=\"ls6 ws52\">ments aris<span class=\"_ _1\"></span>ing from such lendin<span class=\"_ _1\"></span>g activities, but<span class=\"_ _1\"></span> can also arise </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1e9\">from c<span class=\"_ _0\"></span>redit enha<span class=\"_ _0\"></span>ncement pr<span class=\"_ _0\"></span>ovided, such a<span class=\"_ _11\"></span>s<span class=\"_ _1\"></span> financ<span class=\"_ _0\"></span>ial guar<span class=\"_ _0\"></span>ante<span class=\"_ _0\"></span>es and le<span class=\"_ _0\"></span>tters of<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs1ea\">The Group i<span class=\"_ _0\"></span>s also expose<span class=\"_ _0\"></span>d to othe<span class=\"_ _0\"></span>r cre<span class=\"_ _0\"></span>dit risks ari<span class=\"_ _0\"></span>sing from<span class=\"_ _0\"></span> investme<span class=\"_ _0\"></span>nts in debt<span class=\"_ _0\"></span> securitie<span class=\"_ _0\"></span>s and other </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs1eb\">exposures<span class=\"_ _1\"></span> arising from its<span class=\"_ _1\"></span> investing activ<span class=\"_ _1\"></span>ities.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs1ec\">Credit risk con<span class=\"_ _1\"></span>stitutes<span class=\"_ _1\"></span> the Bank\u2019s larges<span class=\"_ _1\"></span>t risk in view of its s<span class=\"_ _1\"></span>ignificant lending a<span class=\"_ _1\"></span>nd securiti<span class=\"_ _1\"></span>es portfolios, which<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs1ed\">is monitor<span class=\"_ _0\"></span>ed in a struc<span class=\"_ _0\"></span>tured and for<span class=\"_ _0\"></span>mal manne<span class=\"_ _0\"></span>r through se<span class=\"_ _0\"></span>veral me<span class=\"_ _0\"></span>chanisms and pr<span class=\"_ _0\"></span>ocedures. T<span class=\"_ _0\"></span>he cre<span class=\"_ _0\"></span>dit </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1ee\">risk manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt and contr<span class=\"_ _0\"></span>ol functi<span class=\"_ _0\"></span>ons a<span class=\"ls5 ws6\">re centra<span class=\"_ _1\"></span>lised.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs1ef\">2.3.2<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws6\">Cr<span class=\"_ _1\"></span>edit ris<span class=\"_ _1\"></span>k mana<span class=\"_ _1\"></span>gement<span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1f0\">The g<span class=\"_ _0\"></span>ranting of<span class=\"_ _0\"></span> a credit f<span class=\"_ _0\"></span>acility (inc<span class=\"_ _0\"></span>luding loa<span class=\"_ _0\"></span>ns and advanc<span class=\"_ _0\"></span>es, lo<span class=\"_ _0\"></span>an comm<span class=\"_ _0\"></span>itments and g<span class=\"_ _0\"></span>uarantee<span class=\"_ _0\"></span>s) is based<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs1f1\">on the Bank\u2019<span class=\"_ _0\"></span>s insight into<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>ustome<span class=\"_ _0\"></span>r\u2019s financ<span class=\"_ _0\"></span>ial positi<span class=\"_ _0\"></span>on, w<span class=\"_ _0\"></span>hich is re<span class=\"_ _0\"></span>viewe<span class=\"_ _0\"></span>d regularly t<span class=\"_ _0\"></span>o assess whe<span class=\"_ _0\"></span>ther </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs1f2\">the basis<span class=\"_ _0\"></span> for the<span class=\"_ _0\"></span> granting<span class=\"_ _0\"></span> of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t has <span class=\"ls5 ws2a\">chang<span class=\"_ _1\"></span>ed. Furt<span class=\"_ _1\"></span>hermore,<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>stomer mu<span class=\"_ _1\"></span>st b<span class=\"_ _1\"></span>e able to d<span class=\"_ _1\"></span>emonst<span class=\"_ _1\"></span>rate, </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs1f3\">in all prob<span class=\"_ _1\"></span>ability, the ab<span class=\"_ _1\"></span>ility to repay the debt<span class=\"_ _1\"></span>. Internal approva<span class=\"_ _1\"></span>l limits are in place startin<span class=\"_ _1\"></span>g from Bank </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws9f gs1f4\">operational manage<span class=\"_ _0\"></span>rs leading up to the Credit C<span class=\"_ _0\"></span>ommittee and the Board of D<span class=\"_ _0\"></span>irectors d<span class=\"ls8 ws3a\">epe<span class=\"_ _0\"></span>nding on the<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs1f5\">magnitude an<span class=\"_ _1\"></span>d the part<span class=\"_ _1\"></span>icular risks<span class=\"_ _1\"></span> attached t<span class=\"_ _1\"></span>o the facility. Faci<span class=\"_ _1\"></span>lities are generall<span class=\"_ _1\"></span>y adequat<span class=\"_ _1\"></span>ely secured<span class=\"_ _1\"></span> either </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs1f6\">by p<span class=\"_ _1\"></span>ropert<span class=\"_ _1\"></span>y and/o<span class=\"_ _1\"></span>r guaran<span class=\"_ _1\"></span>tees an<span class=\"_ _1\"></span>d are reviewed<span class=\"_ _1\"></span> perio<span class=\"_ _1\"></span>dicall<span class=\"_ _1\"></span>y by ma<span class=\"_ _1\"></span>nagemen<span class=\"_ _1\"></span>t in terms<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e expos<span class=\"_ _1\"></span>ure to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1f7\">the Bank and t<span class=\"_ _0\"></span>o ensur<span class=\"_ _0\"></span>e tha<span class=\"ls6 ws7\">t c<span class=\"_ _0\"></span>ollateral st<span class=\"_ _1\"></span>ill covers th<span class=\"_ _1\"></span>e facility.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs1f8\">In or<span class=\"_ _1\"></span>der to mi<span class=\"_ _1\"></span>nimise t<span class=\"_ _1\"></span>he credi<span class=\"_ _1\"></span>t risk<span class=\"_ _1\"></span> underta<span class=\"_ _1\"></span>ken, co<span class=\"_ _1\"></span>unterpa<span class=\"_ _1\"></span>rty cr<span class=\"_ _1\"></span>edit limi<span class=\"_ _1\"></span>ts are d<span class=\"_ _1\"></span>efined wi<span class=\"_ _1\"></span>th res<span class=\"_ _1\"></span>pect to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs1f9\">investment<span class=\"_ _1\"></span> activities, wh<span class=\"_ _1\"></span>ich limits co<span class=\"_ _1\"></span>nsider a cou<span class=\"_ _1\"></span>nterparty<span class=\"_ _1\"></span>\u2019s creditworthines<span class=\"_ _1\"></span>s, the va<span class=\"_ _1\"></span>lue of collateral an<span class=\"_ _1\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs1fa\">guarante<span class=\"_ _0\"></span>es pledg<span class=\"_ _0\"></span>ed, whi<span class=\"_ _0\"></span>ch can re<span class=\"_ _0\"></span>duce the<span class=\"_ _0\"></span> overal<span class=\"_ _0\"></span>l cre<span class=\"_ _0\"></span>dit risk e<span class=\"_ _0\"></span>xposure, a<span class=\"_ _0\"></span>s we<span class=\"_ _0\"></span>ll as the<span class=\"_ _0\"></span> type<span class=\"_ _0\"></span> and the durati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs1fb\">of the asse<span class=\"_ _0\"></span>t. I<span class=\"_ _0\"></span>n order t<span class=\"_ _0\"></span>o ex<span class=\"_ _0\"></span>amine<span class=\"_ _0\"></span> a counter<span class=\"_ _0\"></span>party\u2019<span class=\"_ _0\"></span>s credit<span class=\"_ _0\"></span>worthine<span class=\"_ _0\"></span>ss, the<span class=\"_ _0\"></span> foll<span class=\"_ _0\"></span>owing ar<span class=\"_ _0\"></span>e conside<span class=\"_ _0\"></span>red:<span class=\"_ _0\"></span> country<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs1fc\">risk, qu<span class=\"_ _1\"></span>antitative an<span class=\"_ _1\"></span>d qualitative chara<span class=\"_ _1\"></span>cteristics, as<span class=\"_ _1\"></span> well as the indus<span class=\"_ _1\"></span>try sector in<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 wsb\">which the c<span class=\"_ _0\"></span>ounterpar<span class=\"_ _0\"></span>ty </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs1fd\">opera<span class=\"_ _1\"></span>tes. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs1fe\">The G<span class=\"_ _0\"></span>roup has se<span class=\"_ _0\"></span>t lim<span class=\"_ _0\"></span>its of <span class=\"_ _0\"></span>authority a<span class=\"_ _0\"></span>nd has<span class=\"_ _0\"></span> segr<span class=\"_ _0\"></span>egati<span class=\"_ _0\"></span>on of dutie<span class=\"_ _0\"></span>s so<span class=\"_ _0\"></span> as to m<span class=\"_ _0\"></span>aintai<span class=\"_ _0\"></span>n impar<span class=\"_ _0\"></span>tiality a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs1ff\">independe<span class=\"_ _0\"></span>nce dur<span class=\"_ _0\"></span>ing the a<span class=\"_ _0\"></span>pproval proc<span class=\"_ _0\"></span>ess and c<span class=\"_ _0\"></span>ontrol ne<span class=\"_ _0\"></span>w and ex<span class=\"_ _0\"></span>isting as<span class=\"_ _0\"></span>sets or c<span class=\"_ _0\"></span>redit f<span class=\"_ _0\"></span>acili<span class=\"_ _0\"></span>ties. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs200\">During the fin<span class=\"_ _1\"></span>ancial year end<span class=\"_ _1\"></span>ed 31 December 2025, local economic growth<span class=\"_ _1\"></span> moderated, as Malt<span class=\"_ _1\"></span>a continues </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs201\">on its exi<span class=\"_ _0\"></span>t path from the post<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws2d\">pandemi<span class=\"_ _0\"></span>c recove<span class=\"_ _0\"></span>ry amidst a we<span class=\"_ _0\"></span>akening gl<span class=\"_ _0\"></span>obal outloo<span class=\"_ _0\"></span>k. Indeed, duri<span class=\"_ _0\"></span>ng 2025 </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs202\">the globa<span class=\"_ _0\"></span>l econo<span class=\"_ _0\"></span>my has bee<span class=\"_ _0\"></span>n adjusti<span class=\"_ _0\"></span>ng to t<span class=\"_ _0\"></span>rade <span class=\"_ _0\"></span>sub<span class=\"ls7 ws14\">ject to <span class=\"_ _0\"></span>greater<span class=\"_ _0\"></span> protectionism and fr<span class=\"_ _0\"></span>agmentation, in a </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs203\">cont<span class=\"_ _1\"></span>ext of di<span class=\"_ _1\"></span>m mediu<span class=\"_ _1\"></span>m<span class=\"ls1 ws1\">-</span>ter<span class=\"_ _1\"></span>m growth p<span class=\"_ _1\"></span>rosp<span class=\"_ _1\"></span>ects.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws61 gs204\">The first half of th<span class=\"_ _1\"></span>e year sa<span class=\"_ _1\"></span>w a resilient sta<span class=\"_ _1\"></span>rt, largely attri<span class=\"_ _1\"></span>buted to comp<span class=\"_ _1\"></span>anies engagi<span class=\"_ _1\"></span>ng in pre<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">e<span class=\"_ _1\"></span>mptiv<span class=\"_ _1\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs205\">importi<span class=\"_ _0\"></span>ng and expo<span class=\"_ _0\"></span>rting. T<span class=\"_ _0\"></span>his f<span class=\"_ _0\"></span>ront<span class=\"ls1 ws1\">-<span class=\"ls7 wsa2\">loading of<span class=\"_ _0\"></span> trade<span class=\"_ _0\"></span> was in antici<span class=\"_ _0\"></span>pation of tari<span class=\"_ _0\"></span>ffs, and <span class=\"_ _0\"></span>once compl<span class=\"_ _0\"></span>eted, </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs206\">weaker<span class=\"_ _1\"></span> data<span class=\"_ _1\"></span> start<span class=\"_ _1\"></span>ed to em<span class=\"_ _1\"></span>erge,<span class=\"_ _1\"></span> resul<span class=\"_ _1\"></span>ting in<span class=\"_ _1\"></span> soften<span class=\"_ _1\"></span>ed la<span class=\"_ _1\"></span>bour<span class=\"_ _1\"></span> markets<span class=\"_ _1\"></span>. Infla<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> is ab<span class=\"_ _1\"></span>ove tar<span class=\"_ _1\"></span>get in<span class=\"_ _1\"></span> the <span class=\"_ _1\"></span>United<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs207\">States, w<span class=\"_ _0\"></span>ith risk<span class=\"_ _0\"></span>s tilted t<span class=\"_ _0\"></span>o the upside<span class=\"_ _0\"></span>. Meanw<span class=\"_ _0\"></span>hile, the<span class=\"_ _0\"></span> rest of the wo<span class=\"_ _0\"></span>rld is expec<span class=\"_ _0\"></span>ted to have subdue<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12a gs208\">inflation.<span class=\"_ _1\"></span> The <span class=\"ls8 ws126\">Inter<span class=\"_ _0\"></span>national Mo<span class=\"_ _0\"></span>netary F<span class=\"_ _0\"></span>und\u2019s (<span class=\"ls1 ws1\">IMF) <span class=\"_ _88\"> </span></span>outlook i<span class=\"_ _0\"></span>s subje<span class=\"_ _0\"></span>ct to<span class=\"_ _0\"></span> uncert<span class=\"_ _0\"></span>ainty, an<span class=\"_ _0\"></span>d <span class=\"ls7 ws4e\">actual<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs209\">perfor<span class=\"_ _0\"></span>mance m<span class=\"_ _0\"></span>ay be bett<span class=\"_ _0\"></span>er or w<span class=\"_ _0\"></span>orse than a<span class=\"_ _0\"></span>nticipate<span class=\"_ _0\"></span>d. In<span class=\"_ _0\"></span> this r<span class=\"_ _0\"></span>egard, t<span class=\"_ _0\"></span>he IMF se<span class=\"_ _0\"></span>es that<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> probabili<span class=\"_ _0\"></span>ty of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs20a\">actual pe<span class=\"_ _0\"></span>rform<span class=\"_ _0\"></span>ance being<span class=\"_ _0\"></span> worse than antic<span class=\"_ _0\"></span>ipated is g<span class=\"_ _0\"></span>reate<span class=\"_ _0\"></span>r than it being<span class=\"_ _0\"></span> bette<span class=\"_ _0\"></span>r than antic<span class=\"_ _0\"></span>ipated.<span class=\"_ _0\"></span> The ri<span class=\"_ _0\"></span>sks </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls9 ws12b gs20b\">to the outlook are tilted to the do<span class=\"ls5 ws63\">wnsid<span class=\"_ _1\"></span>e due to<span class=\"_ _1\"></span> furth<span class=\"_ _1\"></span>er esca<span class=\"_ _1\"></span>latio<span class=\"_ _1\"></span>n of pr<span class=\"_ _1\"></span>otectio<span class=\"_ _1\"></span>nist<span class=\"_ _1\"></span> meas<span class=\"_ _1\"></span>ures an<span class=\"_ _1\"></span>d lar<span class=\"_ _1\"></span>ger<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls9 wsa gs20c\">than<span class=\"ls1 ws1\">-<span class=\"ls6 ws8c\">expected sho<span class=\"_ _1\"></span>cks to labour supp<span class=\"_ _1\"></span>ly from restrictive immigra<span class=\"_ _1\"></span>tion policies<span class=\"_ _1\"></span>. Some vulnerabil<span class=\"_ _1\"></span>ities in </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs20d\">financi<span class=\"_ _0\"></span>al mark<span class=\"_ _0\"></span>ets and public<span class=\"_ _0\"></span> de<span class=\"_ _0\"></span>bt could ex<span class=\"_ _0\"></span>ert pre<span class=\"_ _0\"></span>ssure on m<span class=\"_ _0\"></span>acro<span class=\"ls1 ws1\">-<span class=\"ls6 ws23\">f<span class=\"_ _0\"></span>inancial s<span class=\"_ _1\"></span>tability.<span class=\"_ _1\"></span> Disappointin<span class=\"_ _1\"></span>g earnings </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs20e\">results an<span class=\"_ _0\"></span>d pro<span class=\"_ _0\"></span>ductivity<span class=\"_ _0\"></span> gains<span class=\"_ _0\"></span> re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d to AI adop<span class=\"_ _0\"></span>tion can<span class=\"_ _0\"></span> lea<span class=\"_ _0\"></span>d to an a<span class=\"_ _0\"></span>brupt<span class=\"_ _0\"></span> repric<span class=\"_ _0\"></span>ing of<span class=\"_ _0\"></span> tech stoc<span class=\"_ _0\"></span>ks, le<span class=\"_ _0\"></span>ading<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3e gs20f\">to an<span class=\"_ _1\"></span> abrupt<span class=\"_ _1\"></span> end to t<span class=\"_ _1\"></span>he recent ob<span class=\"_ _1\"></span>served<span class=\"_ _1\"></span> exuber<span class=\"_ _1\"></span>ance in<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial mark<span class=\"_ _1\"></span>ets. At<span class=\"_ _1\"></span> the same t<span class=\"_ _1\"></span>ime, fast<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs210\">productivit<span class=\"_ _0\"></span>y growt<span class=\"_ _0\"></span>h can be e<span class=\"_ _0\"></span>xpecte<span class=\"_ _0\"></span>d if the<span class=\"_ _0\"></span> adoption of<span class=\"_ _0\"></span> AI leads to pr<span class=\"_ _0\"></span>omising<span class=\"_ _0\"></span> result<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs212\">In Europe, the<span class=\"_ _0\"></span> European C<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>ission repor<span class=\"_ _0\"></span>ts econom<span class=\"_ _0\"></span>ic growth e<span class=\"_ _0\"></span>xceeding<span class=\"_ _0\"></span> expecta<span class=\"_ _0\"></span>tions in the fi<span class=\"_ _0\"></span>rst nine </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws40 gs213\">months of t<span class=\"_ _0\"></span>he year,<span class=\"_ _0\"></span> mainly dr<span class=\"_ _0\"></span>iven by trade<span class=\"_ _0\"></span> front<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws40\">loading<span class=\"_ _0\"></span>, but also tha<span class=\"_ _0\"></span>nks to str<span class=\"_ _0\"></span>onge<span class=\"_ _0\"></span>r invest<span class=\"_ _0\"></span>ment i<span class=\"_ _0\"></span>n </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs214\">equipme<span class=\"_ _0\"></span>nt and inta<span class=\"_ _0\"></span>ngible<span class=\"_ _0\"></span> asse<span class=\"_ _0\"></span>ts. Grow<span class=\"_ _0\"></span>th is al<span class=\"_ _0\"></span>so support<span class=\"_ _0\"></span>e<span class=\"ls6 ws12\">d <span class=\"_ _0\"></span>by a resilient lab<span class=\"_ _1\"></span>our market, decreasing inflat<span class=\"_ _1\"></span>ion </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws124 gs215\">and favoura<span class=\"_ _0\"></span>ble f<span class=\"_ _0\"></span>inancing<span class=\"_ _0\"></span> condi<span class=\"_ _0\"></span>tions. T<span class=\"_ _0\"></span>he Com<span class=\"_ _0\"></span>mission s<span class=\"_ _0\"></span>ees the<span class=\"_ _0\"></span>se as <span class=\"_ _0\"></span>\u201ckey condi<span class=\"_ _0\"></span>tions\u201d f<span class=\"_ _0\"></span>or cont<span class=\"_ _0\"></span>inue<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs216\">econom<span class=\"_ _0\"></span>ic growt<span class=\"_ _0\"></span>h, despite<span class=\"_ _0\"></span> the chal<span class=\"_ _0\"></span>lengi<span class=\"_ _0\"></span>ng exte<span class=\"_ _0\"></span>rnal enviro<span class=\"_ _0\"></span>nment and unc<span class=\"_ _0\"></span>ertai<span class=\"_ _0\"></span>nty. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs217\">Further<span class=\"_ _0\"></span>more<span class=\"_ _0\"></span>, the EU and U<span class=\"_ _0\"></span>S si<span class=\"_ _0\"></span>gned a jo<span class=\"_ _0\"></span>int ag<span class=\"_ _0\"></span>reeme<span class=\"_ _0\"></span>nt on re<span class=\"_ _0\"></span>cipr<span class=\"_ _0\"></span>ocal, f<span class=\"_ _0\"></span>air and <span class=\"_ _0\"></span>balance<span class=\"_ _0\"></span>d trade<span class=\"_ _0\"></span>, establ<span class=\"_ _0\"></span>ishing<span class=\"_ _0\"></span> a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs218\">15% h<span class=\"_ _1\"></span>eadlin<span class=\"_ _1\"></span>e tari<span class=\"_ _1\"></span>ff in A<span class=\"_ _1\"></span>ugus<span class=\"_ _1\"></span>t. The<span class=\"_ _1\"></span> joint<span class=\"_ _1\"></span> agreem<span class=\"_ _1\"></span>ent p<span class=\"_ _1\"></span>laces t<span class=\"_ _1\"></span>he E<span class=\"_ _1\"></span>U at a <span class=\"_ _1\"></span>comp<span class=\"_ _1\"></span>etitiv<span class=\"_ _1\"></span>e adva<span class=\"_ _1\"></span>ntage c<span class=\"_ _1\"></span>ompa<span class=\"_ _1\"></span>red to<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs219\">other tr<span class=\"_ _0\"></span>ading partne<span class=\"_ _0\"></span>rs. The<span class=\"_ _0\"></span> headli<span class=\"_ _0\"></span>ne tari<span class=\"_ _0\"></span>ff r<span class=\"ls7 wsc\">ate for<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls5 ws22\">EU me<span class=\"_ _1\"></span>mbers i<span class=\"_ _1\"></span>s simi<span class=\"_ _1\"></span>larly s<span class=\"_ _1\"></span>et at 15<span class=\"_ _1\"></span>%, bu<span class=\"_ _1\"></span>t the s<span class=\"_ _1\"></span>cope </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs21a\">of exempt<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> and ca<span class=\"_ _1\"></span>rveou<span class=\"_ _1\"></span>ts varies<span class=\"_ _1\"></span>, leadi<span class=\"_ _1\"></span>ng to high<span class=\"_ _1\"></span>er effect<span class=\"_ _1\"></span>ive tar<span class=\"_ _1\"></span>iffs. Thi<span class=\"_ _1\"></span>s compet<span class=\"_ _1\"></span>itive a<span class=\"_ _1\"></span>dvant<span class=\"_ _1\"></span>age howev<span class=\"_ _1\"></span>er </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs21b\">should be see<span class=\"_ _0\"></span>n in the c<span class=\"_ _0\"></span>ontext <span class=\"_ _0\"></span>of m<span class=\"_ _0\"></span>odest gr<span class=\"_ _0\"></span>owth in e<span class=\"_ _0\"></span>xport marke<span class=\"_ _0\"></span>ts for g<span class=\"_ _0\"></span>oods and a str<span class=\"_ _0\"></span>on<span class=\"lsa ws12c\">g euro. <span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs21c\">The European<span class=\"_ _1\"></span> Commissi<span class=\"_ _1\"></span>on expects<span class=\"_ _1\"></span> Euro area in<span class=\"_ _1\"></span>flation to s<span class=\"_ _1\"></span>low from 2.4<span class=\"_ _1\"></span>% in 2024 to 2.<span class=\"_ _1\"></span>1% in 2025 an<span class=\"_ _1\"></span>d then<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs21d\">remain broad<span class=\"_ _1\"></span>ly stabl<span class=\"_ _1\"></span>e at 1.9% in 2026 an<span class=\"_ _1\"></span>d 2.0% in 2027.<span class=\"_ _1\"></span> Cons<span class=\"_ _1\"></span>equently, t<span class=\"_ _1\"></span>he ECB has k<span class=\"_ _1\"></span>ept its interest rat<span class=\"_ _1\"></span>es </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs21e\">on the dep<span class=\"_ _1\"></span>osit facility,<span class=\"_ _1\"></span> the main refin<span class=\"_ _1\"></span>ancing o<span class=\"ls8 ws5c\">perations and the m<span class=\"_ _0\"></span>arginal<span class=\"_ _0\"></span> lending<span class=\"_ _0\"></span> facilit<span class=\"_ _0\"></span>y unchanged a<span class=\"_ _0\"></span>t </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs21f\">2.00%, 2.15% and<span class=\"_ _1\"></span> 2.40% resp<span class=\"_ _1\"></span>ectively.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs220\">Rise in de<span class=\"_ _0\"></span>fence<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est expendi<span class=\"_ _0\"></span>ture, c<span class=\"_ _0\"></span>oupled wi<span class=\"_ _0\"></span>th revenue<span class=\"_ _0\"></span> shortfall<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>sulting i<span class=\"_ _0\"></span>n grow<span class=\"_ _0\"></span>ing defic<span class=\"_ _0\"></span>its. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs221\">The EU<span class=\"_ _0\"></span> debt<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls6 ws49\">GDP ratio is proj<span class=\"_ _1\"></span>ected to increase from <span class=\"_ _1\"></span>82% in 2024 to 85<span class=\"_ _1\"></span>%, while in t<span class=\"_ _1\"></span>he euro area, it<span class=\"_ _1\"></span> is </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs222\">expected<span class=\"_ _1\"></span> to ris<span class=\"_ _1\"></span>e to 91<span class=\"_ _1\"></span>% by 20<span class=\"_ _1\"></span>27, from 88<span class=\"_ _1\"></span>% <span class=\"ls6 ws7\">in 2024.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6e gs223\">Looking ahead, a n<span class=\"_ _0\"></span>umber of<span class=\"ls1 ws1\"> </span>downside risks<span class=\"_ _0\"></span> weigh on the g<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>th outlook of the EU<span class=\"_ _0\"></span> econom<span class=\"_ _0\"></span>y. Geopoliti<span class=\"_ _0\"></span>cal </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs224\">tension<span class=\"_ _1\"></span>s remain high, bot<span class=\"_ _1\"></span>h with the ongoing war in Ukra<span class=\"_ _1\"></span>ine that is weighing economicall<span class=\"_ _1\"></span>y on neighb<span class=\"_ _1\"></span>ouring </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs225\">countries<span class=\"_ _1\"></span>,<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">th<span class=\"_ _1\"></span>e <span class=\"ls8 ws2d\">uncertainty ar<span class=\"_ _0\"></span>ound the Oc<span class=\"_ _0\"></span>tober G<span class=\"_ _0\"></span>aza peace plan, and t<span class=\"_ _0\"></span>he unfoldi<span class=\"_ _0\"></span>ng war<span class=\"_ _0\"></span> in the Mi<span class=\"_ _0\"></span>ddle East<span class=\"ls72 wsee\">. </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws21 gs226\">The rec<span class=\"_ _1\"></span>ent ap<span class=\"_ _1\"></span>preciat<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f th<span class=\"_ _1\"></span>e euro co<span class=\"_ _1\"></span>uld w<span class=\"_ _1\"></span>eigh o<span class=\"_ _1\"></span>n ext<span class=\"_ _1\"></span>ernal co<span class=\"_ _1\"></span>mpetiti<span class=\"_ _1\"></span>ven<span class=\"_ _1\"></span>ess mor<span class=\"_ _1\"></span>e tha<span class=\"_ _1\"></span>n expec<span class=\"_ _1\"></span>ted.<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs227\">Meanwhi<span class=\"_ _0\"></span>le, progr<span class=\"_ _0\"></span>ess on ref<span class=\"_ _0\"></span>orm and com<span class=\"_ _0\"></span>petitivene<span class=\"_ _0\"></span>ss, highe<span class=\"_ _0\"></span>r defe<span class=\"_ _0\"></span>nce spending<span class=\"_ _0\"></span> focuse<span class=\"_ _0\"></span>d on EU production, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs228\">and new tr<span class=\"_ _0\"></span>ade agr<span class=\"_ _0\"></span>eement<span class=\"_ _0\"></span>s with third co<span class=\"_ _0\"></span>untries c<span class=\"_ _0\"></span>an buttr<span class=\"_ _0\"></span>es<span class=\"ls5 ws6\">s economic<span class=\"_ _1\"></span> growth <span class=\"_ _1\"></span>more th<span class=\"_ _1\"></span>an exp<span class=\"_ _1\"></span>ected. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsed gs229\">This is the<span class=\"_ _0\"></span> global a<span class=\"_ _0\"></span>nd Euro<span class=\"_ _0\"></span>pean cont<span class=\"_ _0\"></span>ext w<span class=\"_ _0\"></span>ithin whi<span class=\"_ _0\"></span>ch the sm<span class=\"_ _0\"></span>all ope<span class=\"_ _0\"></span>n Maltese<span class=\"_ _0\"></span> economy ope<span class=\"_ _0\"></span>rates.<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs22a\">Nevert<span class=\"_ _1\"></span>heless<span class=\"_ _1\"></span>, Malt<span class=\"_ _1\"></span>a cont<span class=\"_ _1\"></span>inues t<span class=\"_ _1\"></span>o outperfo<span class=\"_ _1\"></span>rm much<span class=\"_ _1\"></span> of its Eu<span class=\"_ _1\"></span>ropea<span class=\"_ _1\"></span>n peers<span class=\"_ _1\"></span>. Indeed<span class=\"_ _1\"></span>, the Cent<span class=\"_ _1\"></span>ral Ban<span class=\"_ _1\"></span>k of Mal<span class=\"_ _1\"></span>ta </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs22b\">expects<span class=\"_ _1\"></span> Malta<span class=\"_ _1\"></span>\u2019s rea<span class=\"_ _1\"></span>l GDP growt<span class=\"_ _1\"></span>h rate t<span class=\"_ _1\"></span>o moder<span class=\"_ _1\"></span>ate from t<span class=\"_ _1\"></span>h<span class=\"ls6 wsd\">e 6.8% registered<span class=\"_ _1\"></span> in 2024, to 3.7% in 2025 an<span class=\"_ _1\"></span>d </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs22c\">remaining at 3.<span class=\"_ _1\"></span>7% until 20<span class=\"_ _1\"></span>27. This t<span class=\"_ _1\"></span>rend is als<span class=\"_ _1\"></span>o confirmed b<span class=\"_ _1\"></span>y the Euro<span class=\"_ _1\"></span>pean Commissio<span class=\"_ _1\"></span>n, which expe<span class=\"_ _1\"></span>cts it to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs22d\">be drive<span class=\"_ _0\"></span>n mainly by r<span class=\"_ _0\"></span>obust private<span class=\"_ _0\"></span> and public c<span class=\"_ _0\"></span>onsumption, i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt, and support<span class=\"_ _0\"></span>ed by gr<span class=\"_ _0\"></span>owth in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls9 wsa gs22e\">tour<span class=\"ls6 ws7\">ism, gaming an<span class=\"_ _1\"></span>d financial<span class=\"_ _1\"></span> and profess<span class=\"_ _1\"></span>ional serv<span class=\"_ _1\"></span>ices.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs22f\">The disinflat<span class=\"_ _1\"></span>ionary pro<span class=\"_ _1\"></span>cess is expected to continue,<span class=\"_ _1\"></span> with the HICP averaging 2.5% in<span class=\"_ _1\"></span> the first half of 2025 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs230\">and expec<span class=\"_ _0\"></span>ted to r<span class=\"_ _0\"></span>emain clo<span class=\"_ _0\"></span>se to the 2% ECB<span class=\"_ _0\"></span> target f<span class=\"_ _0\"></span>or the years a<span class=\"_ _0\"></span>head. Thi<span class=\"_ _0\"></span>s, combi<span class=\"_ _0\"></span>ned with wide<span class=\"_ _0\"></span>ning </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs231\">income<span class=\"_ _0\"></span> tax bands, is expe<span class=\"_ _0\"></span>cted to boost r<span class=\"_ _0\"></span>eal disp<span class=\"ls6 ws61\">osable income, whi<span class=\"_ _1\"></span>ch will co<span class=\"_ _1\"></span>ntinue su<span class=\"_ _1\"></span>pportin<span class=\"_ _1\"></span>g private </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4c gs232\">consumption.<span class=\"_ _0\"></span> Some<span class=\"_ _0\"></span> pockets of vul<span class=\"_ _0\"></span>nerabil<span class=\"_ _0\"></span>ity rem<span class=\"_ _0\"></span>ain, <span class=\"_ _0\"></span>particul<span class=\"_ _0\"></span>arly in unpr<span class=\"_ _0\"></span>oces<span class=\"_ _0\"></span>sed foods and <span class=\"_ _0\"></span>air<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs233\">transportation, the latte<span class=\"_ _0\"></span>r of whic<span class=\"_ _0\"></span>h may have moderate<span class=\"_ _0\"></span> impacts on tourist arrivals. <span class=\"_ _0\"></span><span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs234\">Net expo<span class=\"_ _0\"></span>rts are al<span class=\"_ _0\"></span>so expecte<span class=\"_ _0\"></span>d to continue<span class=\"_ _0\"></span> contributi<span class=\"_ _0\"></span>ng positive<span class=\"_ _0\"></span>ly to GD<span class=\"_ _0\"></span>P growth, dr<span class=\"_ _0\"></span>iven by trade se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span>s. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws55 gs235\">Recreational, p<span class=\"_ _1\"></span>rofessiona<span class=\"_ _1\"></span>l, IT, and financia<span class=\"_ _1\"></span>l services are projected to con<span class=\"_ _1\"></span>tinue expand<span class=\"_ _1\"></span>ing, contribu<span class=\"_ _1\"></span>ting </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs236\">positivel<span class=\"_ _0\"></span>y to net e<span class=\"_ _0\"></span>xports. T<span class=\"_ _0\"></span>he Central<span class=\"_ _0\"></span> Bank <span class=\"ls7 ws9f\">of Malta estimates an effec<span class=\"_ _0\"></span>tive tariff rate for Malta at 6.0%, </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs237\">much lo<span class=\"_ _1\"></span>wer tha<span class=\"_ _1\"></span>t the 15% a<span class=\"_ _1\"></span>ppli<span class=\"_ _1\"></span>ed to th<span class=\"_ _1\"></span>e EU blo<span class=\"_ _1\"></span>c, a resu<span class=\"_ _1\"></span>lt of a majo<span class=\"_ _1\"></span>rity o<span class=\"_ _1\"></span>f export<span class=\"_ _1\"></span>ed Malt<span class=\"_ _1\"></span>ese good<span class=\"_ _1\"></span>s to<span class=\"_ _1\"></span> the US </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs238\">exemp<span class=\"_ _1\"></span>ted from t<span class=\"_ _1\"></span>he tari<span class=\"_ _1\"></span>ff regi<span class=\"_ _1\"></span>me (bas<span class=\"_ _1\"></span>ic pha<span class=\"_ _1\"></span>rmaceut<span class=\"_ _1\"></span>ical pr<span class=\"_ _1\"></span>odu<span class=\"_ _1\"></span>cts,<span class=\"_ _1\"></span> basic meta<span class=\"_ _1\"></span>ls an<span class=\"_ _1\"></span>d computer<span class=\"_ _1\"></span>, electro<span class=\"_ _1\"></span>nic </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs239\">and optical<span class=\"_ _0\"></span> product<span class=\"_ _0\"></span>s). <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs23a\">Employme<span class=\"_ _0\"></span>nt grow<span class=\"_ _0\"></span>th is expecte<span class=\"_ _0\"></span>d to mode<span class=\"_ _0\"></span>rate, as ec<span class=\"_ _0\"></span>onomic gro<span class=\"_ _0\"></span>wth ease<span class=\"_ _0\"></span>s and producti<span class=\"_ _0\"></span>vity gains g<span class=\"_ _0\"></span>round. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs23b\">Policies aim<span class=\"_ _1\"></span>ed at limiting <span class=\"_ _1\"></span>inward migra<span class=\"_ _1\"></span>tion flo<span class=\"_ _1\"></span>ws such as<span class=\"_ _1\"></span> skills card requ<span class=\"_ _1\"></span>irements, the regul<span class=\"_ _1\"></span>ation o<span class=\"_ _1\"></span>f temping </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsa1 gs23c\">agencies, and the m<span class=\"_ _0\"></span>oratorium<span class=\"_ _0\"></span> on food couriers<span class=\"_ _0\"></span> a<span class=\"ls6 ws37\">nd cab drivers should<span class=\"_ _1\"></span> result in slow down in foreign </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs23d\">workers<span class=\"_ _1\"></span> inflo<span class=\"_ _1\"></span>ws. The u<span class=\"_ _1\"></span>nempl<span class=\"_ _1\"></span>oyment<span class=\"_ _1\"></span> rate is<span class=\"_ _1\"></span> expected<span class=\"_ _1\"></span> to edge do<span class=\"_ _1\"></span>wn from 2.<span class=\"_ _1\"></span>9% in 2025<span class=\"_ _1\"></span> to 2.<span class=\"_ _1\"></span>8% by 2027, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs23e\">remaini<span class=\"_ _1\"></span>ng belo<span class=\"_ _1\"></span>w its<span class=\"_ _1\"></span> natu<span class=\"_ _1\"></span>ral ra<span class=\"_ _1\"></span>te of 3.1<span class=\"_ _1\"></span>%. This<span class=\"_ _1\"></span> negativ<span class=\"_ _1\"></span>e une<span class=\"_ _1\"></span>mploy<span class=\"_ _1\"></span>ment gap<span class=\"_ _1\"></span> is exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> to be a<span class=\"_ _1\"></span> key fact<span class=\"_ _1\"></span>or <span class=\"ls6 ws8\">in </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs23f\">wage growth outlook.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs240\">Govern<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span> deficit<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to<span class=\"_ _1\"></span></span>-<span class=\"ls6 ws1d\">GDP ratio is<span class=\"_ _1\"></span> set to decline from 3.5% in 2024 to 2.1% in<span class=\"_ _1\"></span> 2028, resulting from a lower<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws26 gs241\">share of inflati<span class=\"_ _0\"></span>on<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">mitigation measu<span class=\"_ _1\"></span>re</span>s <span class=\"ls8 ws15\">and capita<span class=\"_ _0\"></span>l expe<span class=\"_ _0\"></span>nditur<span class=\"_ _0\"></span>e. Me<span class=\"_ _0\"></span>anwhile<span class=\"_ _0\"></span>, gove<span class=\"_ _0\"></span>rnment debt<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls9 wsa\">to<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">GDP ratio </span></span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs242\">is expected to p<span class=\"_ _1\"></span>eak at 47.6% in<span class=\"_ _1\"></span> 2026 and decline to<span class=\"_ _1\"></span> 46<span class=\"ls1 ws1\">.</span>9% by 2028. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws90 gs244\">The Ce<span class=\"_ _0\"></span>ntral Bank of Malta a<span class=\"_ _0\"></span>ssesses risks<span class=\"_ _0\"></span> to the Malt<span class=\"_ _0\"></span>ese e<span class=\"_ _0\"></span>conomy as broadly b<span class=\"_ _0\"></span>alanced. Dow<span class=\"_ _0\"></span>nside risks<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs245\">mainly<span class=\"_ _1\"></span> emanat<span class=\"_ _1\"></span>e from g<span class=\"_ _1\"></span>eopoli<span class=\"_ _1\"></span>tica<span class=\"_ _1\"></span>l tensi<span class=\"_ _1\"></span>ons a<span class=\"_ _1\"></span>nd furth<span class=\"_ _1\"></span>er cha<span class=\"_ _1\"></span>nges to<span class=\"_ _1\"></span> the US ta<span class=\"_ _1\"></span>riff reg<span class=\"_ _1\"></span>ime th<span class=\"_ _1\"></span>at cou<span class=\"_ _1\"></span>ld lead<span class=\"_ _1\"></span> to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs246\">supply chai<span class=\"_ _0\"></span>n disrupt<span class=\"_ _0\"></span>ions re<span class=\"_ _0\"></span>sulti<span class=\"_ _0\"></span>ng in hig<span class=\"_ _0\"></span>her input <span class=\"ls5 ws2b\">co<span class=\"_ _0\"></span>sts<span class=\"_ _1\"></span>. This would<span class=\"_ _1\"></span> also<span class=\"_ _1\"></span> negativ<span class=\"_ _1\"></span>ely affect<span class=\"_ _1\"></span> govern<span class=\"_ _1\"></span>ment d<span class=\"_ _1\"></span>eficit<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws40 gs247\">if ene<span class=\"_ _0\"></span>rgy support m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span>d. On the upsi<span class=\"_ _0\"></span>de, t<span class=\"_ _0\"></span>he labour m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>t could pe<span class=\"_ _0\"></span>rform be<span class=\"_ _0\"></span>tter than<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs248\">expec<span class=\"_ _0\"></span>ted, re<span class=\"_ _0\"></span>sulting i<span class=\"_ _0\"></span>n stronger pri<span class=\"_ _0\"></span>vate consum<span class=\"_ _0\"></span>ption gro<span class=\"_ _0\"></span>wth.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs249\">Based on the<span class=\"_ _0\"></span> above, e<span class=\"_ _0\"></span>conomic unc<span class=\"_ _0\"></span>ertainty co<span class=\"_ _0\"></span>ntinues to r<span class=\"_ _0\"></span>emai<span class=\"_ _0\"></span>n a source of conc<span class=\"_ _0\"></span>ern. This unc<span class=\"_ _0\"></span>ertaint<span class=\"_ _0\"></span>y </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs24a\">impacts t<span class=\"_ _0\"></span>he busi<span class=\"_ _0\"></span>ness mode<span class=\"_ _0\"></span>l, inc<span class=\"_ _0\"></span>ome l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span>s and/or cash f<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span> gene<span class=\"_ _0\"></span>ration c<span class=\"_ _0\"></span>apacity of<span class=\"_ _0\"></span> a por<span class=\"_ _0\"></span>tion of the<span class=\"_ _0\"></span> Bank'<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2f gs24b\">cust<span class=\"_ _1\"></span>omers. Th<span class=\"_ _1\"></span>is ha<span class=\"_ _1\"></span>s impact<span class=\"_ _1\"></span>ed the p<span class=\"_ _1\"></span>erforman<span class=\"_ _1\"></span>ce of the<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls6 ws30\">Bank\u2019s expected cr<span class=\"_ _1\"></span>edit loss models,<span class=\"_ _1\"></span> requiring </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs24c\">enhance<span class=\"_ _0\"></span>d monitor<span class=\"_ _0\"></span>ing of m<span class=\"_ _0\"></span>odel outputs.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs24d\">In view of the ab<span class=\"_ _1\"></span>ove, the Bank continu<span class=\"_ _1\"></span>ed to closely monit<span class=\"_ _1\"></span>or activities on its loan<span class=\"_ _1\"></span> portfolio. During th<span class=\"_ _1\"></span>e year </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws25 gs24e\">ended 31<span class=\"_ _0\"></span> Dec<span class=\"_ _0\"></span>ember 2<span class=\"_ _0\"></span>025, w<span class=\"_ _0\"></span>here<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span>d, the B<span class=\"_ _0\"></span>ank c<span class=\"_ _0\"></span>ontinued to <span class=\"_ _0\"></span>provide<span class=\"_ _0\"></span> suppo<span class=\"_ _0\"></span>rt to cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>rs </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs24f\">exper<span class=\"_ _0\"></span>iencing l<span class=\"_ _0\"></span>iquidity pre<span class=\"_ _0\"></span>ssure<span class=\"_ _0\"></span>s as a result o<span class=\"_ _0\"></span>f the pr<span class=\"_ _0\"></span>e<span class=\"ls6 ws34\">vailing macro<span class=\"ls1 ws1\">-<span class=\"_ _1\"></span></span>economic scen<span class=\"_ _1\"></span>ario, a<span class=\"_ _1\"></span>lbeit to a much </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs250\">lesser<span class=\"_ _1\"></span> extent t<span class=\"_ _1\"></span>han t<span class=\"_ _1\"></span>he prev<span class=\"_ _1\"></span>ious<span class=\"_ _1\"></span> year.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs251\">In vi<span class=\"_ _1\"></span>ew of the<span class=\"_ _1\"></span> natu<span class=\"_ _1\"></span>re of th<span class=\"_ _1\"></span>e Ba<span class=\"_ _1\"></span>nk\u2019s<span class=\"_ _1\"></span> port<span class=\"_ _1\"></span>folio, wh<span class=\"_ _1\"></span>ere a rela<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>ely sma<span class=\"_ _1\"></span>ll numb<span class=\"_ _1\"></span>er of l<span class=\"_ _1\"></span>oans<span class=\"_ _1\"></span> comp<span class=\"_ _1\"></span>rise a s<span class=\"_ _1\"></span>ignifi<span class=\"_ _1\"></span>cant </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws62 gs252\">proportion of<span class=\"_ _0\"></span> the lo<span class=\"_ _0\"></span>an book val<span class=\"_ _0\"></span>ue, the B<span class=\"_ _0\"></span>ank conti<span class=\"_ _0\"></span>nued to apply an i<span class=\"_ _0\"></span>ndivi<span class=\"_ _0\"></span>dual<span class=\"ls1 ws1\">-</span><span class=\"ws16\">debtor<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws2f\">focused<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs253\">manage<span class=\"_ _0\"></span>ment proce<span class=\"_ _0\"></span>ss.  Such pr<span class=\"_ _0\"></span>ocess ena<span class=\"_ _0\"></span>bled the<span class=\"_ _0\"></span> <span class=\"ls6 ws12\">identificati<span class=\"_ _1\"></span>on of any<span class=\"_ _1\"></span> deterioration<span class=\"_ _1\"></span> in credit risk<span class=\"_ _1\"></span> at the level </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6d gs254\">of the Bank\u2019s mate<span class=\"_ _0\"></span>rial exposures at an early stage and the e<span class=\"_ _0\"></span>stimation of expected credit loss allowance<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs255\">using the be<span class=\"_ _0\"></span>st possibl<span class=\"_ _0\"></span>e judge<span class=\"_ _11\"></span>ment.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws85 gs256\">Notwiths<span class=\"_ _1\"></span>tanding the resil<span class=\"_ _1\"></span>ience of the local economy<span class=\"_ _1\"></span>, during 2025, the Ban<span class=\"_ _1\"></span>k continued to asses<span class=\"_ _1\"></span>s and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gs257\">individuall<span class=\"_ _0\"></span>y rate<span class=\"_ _0\"></span> on an<span class=\"_ _0\"></span> ongoing<span class=\"_ _0\"></span> basis th<span class=\"_ _0\"></span>ose bor<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span>s dee<span class=\"_ _0\"></span>med mostl<span class=\"_ _0\"></span>y impac<span class=\"_ _0\"></span>ted by<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>urrent<span class=\"_ _0\"></span> macro<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs258\">econo<span class=\"_ _1\"></span>mic unc<span class=\"_ _1\"></span>ertain<span class=\"_ _1\"></span>ties.<span class=\"_ _1\"></span> Expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> deemed mos<span class=\"_ _1\"></span>tly i<span class=\"_ _1\"></span>mpact<span class=\"_ _1\"></span>ed a<span class=\"_ _1\"></span>n<span class=\"ls6 ws1d\">d in res<span class=\"_ _1\"></span>pect of which sign<span class=\"_ _1\"></span>ificant increase in<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs259\">credit risk (\u2018<span class=\"_ _1\"></span>SICR\u2019) and<span class=\"_ _1\"></span> unlikeness<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls8 wsb\">pay (\u2018U<span class=\"_ _0\"></span>TP\u2019)<span class=\"_ _0\"></span> indicato<span class=\"_ _0\"></span>rs have been obse<span class=\"_ _0\"></span>rved are<span class=\"_ _0\"></span> assigne<span class=\"_ _0\"></span>d an ele<span class=\"_ _0\"></span>vated </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs25a\">internal<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t rating<span class=\"_ _0\"></span>, requiring clo<span class=\"_ _0\"></span>ser and mo<span class=\"_ _0\"></span>re frequent m<span class=\"_ _0\"></span>onitori<span class=\"_ _0\"></span>ng on a monthly or<span class=\"_ _0\"></span> quarter<span class=\"_ _0\"></span>ly basis </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lsd ws44 gs25b\">(d<span class=\"ls8 wsa\">epending on t<span class=\"_ _0\"></span>he ext<span class=\"_ _0\"></span>ent of cre<span class=\"_ _0\"></span>dit risk de<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>oration)<span class=\"_ _0\"></span>. <span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs25c\">The B<span class=\"_ _0\"></span>ank continue<span class=\"_ _0\"></span>d to monitor close<span class=\"_ _0\"></span>ly corpor<span class=\"_ _0\"></span>ate and c<span class=\"_ _0\"></span>ommercial e<span class=\"_ _0\"></span>xposures pre<span class=\"_ _0\"></span>viously assigne<span class=\"_ _0\"></span>d to any of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs25d\">the under<span class=\"_ _0\"></span>perform<span class=\"_ _0\"></span>ing grades (P2,<span class=\"_ _0\"></span> P3) (note<span class=\"_ _0\"></span> 2.3.8) to update<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk assessm<span class=\"_ _0\"></span>ents by re<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e to actual </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs25e\">finan<span class=\"_ _1\"></span>cial per<span class=\"_ _1\"></span>forma<span class=\"_ _1\"></span>nce and<span class=\"_ _1\"></span>, wh<span class=\"_ _1\"></span>ere ava<span class=\"_ _1\"></span>ilable,<span class=\"_ _1\"></span> fin<span class=\"ls7 ws1\">ancial forecasts. <span class=\"ls1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsf gs25f\">In relation to personal exposures, the Bank typically re<span class=\"_ _0\"></span>sorts more to portfolio measures or reviews in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws91 gs260\">respect of g<span class=\"_ _1\"></span>roups of exp<span class=\"_ _1\"></span>osures<span class=\"_ _1\"></span> exhibiting s<span class=\"_ _1\"></span>hared risk<span class=\"_ _1\"></span> characteristi<span class=\"_ _1\"></span>cs, unless<span class=\"_ _1\"></span> specific debto<span class=\"_ _1\"></span>r level infor<span class=\"_ _1\"></span>mation </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs261\">which s<span class=\"_ _1\"></span>ugges<span class=\"_ _1\"></span>ts dev<span class=\"_ _1\"></span>elopmen<span class=\"_ _1\"></span>ts in<span class=\"_ _1\"></span> the res<span class=\"_ _1\"></span>pec<span class=\"ls7 ws1\">tive credit risk bec<span class=\"_ _0\"></span>omes known to the Bank.<span class=\"ls1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws28 gs262\">The curr<span class=\"_ _1\"></span>ent ma<span class=\"_ _1\"></span>cro<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>econo<span class=\"_ _1\"></span>mic en<span class=\"_ _1\"></span>viron<span class=\"_ _1\"></span>ment con<span class=\"_ _1\"></span>tinu<span class=\"_ _1\"></span>es to gi<span class=\"_ _1\"></span>ve ri<span class=\"_ _1\"></span>se to a<span class=\"_ _1\"></span>n elev<span class=\"_ _1\"></span>ated l<span class=\"_ _1\"></span>evel <span class=\"_ _1\"></span>of unc<span class=\"_ _1\"></span>ertain<span class=\"_ _1\"></span>ty in<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs263\">respec<span class=\"_ _1\"></span>t of the ec<span class=\"_ _1\"></span>onomic<span class=\"_ _1\"></span> outlo<span class=\"_ _1\"></span>ok. Hen<span class=\"_ _1\"></span>ce, th<span class=\"_ _1\"></span>e level of s<span class=\"_ _1\"></span>ubjectiv<span class=\"_ _1\"></span>ity u<span class=\"_ _1\"></span>nderly<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e ECL model<span class=\"_ _1\"></span> paramet<span class=\"_ _1\"></span>ers, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws4d gs264\">inclu<span class=\"_ _1\"></span>ding h<span class=\"_ _1\"></span>ow thes<span class=\"_ _1\"></span>e react t<span class=\"_ _1\"></span>o forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls6 ws37\">looking econo<span class=\"_ _1\"></span>mi</span></span>c co<span class=\"_ _1\"></span>ndit<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> remains<span class=\"_ _1\"></span> elevat<span class=\"_ _1\"></span>ed. This n<span class=\"_ _1\"></span>ecessit<span class=\"_ _1\"></span>ates </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wse4 gs265\">more regular <span class=\"_ _1\"></span>monitorin<span class=\"_ _1\"></span>g and r<span class=\"_ _1\"></span>igorous eva<span class=\"_ _1\"></span>luation of f<span class=\"_ _1\"></span>orecast econo<span class=\"_ _1\"></span>mic condit<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span>, together wit<span class=\"_ _1\"></span>h </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs266\">height<span class=\"_ _1\"></span>ened exp<span class=\"_ _1\"></span>ert ju<span class=\"_ _1\"></span>dgemen<span class=\"_ _1\"></span>t, i<span class=\"_ _1\"></span>n order<span class=\"_ _1\"></span> to bes<span class=\"_ _1\"></span>t determin<span class=\"_ _1\"></span>e the r<span class=\"_ _1\"></span>ange of p<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span>ible econ<span class=\"_ _1\"></span>omic<span class=\"_ _1\"></span> outco<span class=\"_ _1\"></span>mes us<span class=\"_ _1\"></span>ed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs267\">for the<span class=\"_ _0\"></span> pur<span class=\"ls5 ws22\">poses<span class=\"_ _1\"></span> of esti<span class=\"_ _1\"></span>matin<span class=\"_ _1\"></span>g ECL.<span class=\"_ _1\"></span> Furth<span class=\"_ _1\"></span>er infor<span class=\"_ _1\"></span>matio<span class=\"_ _1\"></span>n in <span class=\"_ _1\"></span>resp<span class=\"_ _1\"></span>ect of ma<span class=\"_ _1\"></span>cro<span class=\"ls1 ws1\">-</span>eco<span class=\"_ _1\"></span>nomi<span class=\"_ _1\"></span>c for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span> reflect<span class=\"_ _1\"></span>ed </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs268\">within the E<span class=\"_ _1\"></span>CL calculation<span class=\"_ _1\"></span>s is provided in not<span class=\"_ _1\"></span>e 2.3.4. (Forward lo<span class=\"_ _1\"></span>oking informati<span class=\"_ _1\"></span>on incorporated<span class=\"_ _1\"></span> in the ECL </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs269\">model).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs26b\">2.3.3<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws6\">Cr<span class=\"_ _1\"></span>edit ris<span class=\"_ _1\"></span>k meas<span class=\"_ _1\"></span>uremen<span class=\"_ _1\"></span>t</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs26c\">The mea<span class=\"_ _1\"></span>surem<span class=\"_ _1\"></span>ent of c<span class=\"_ _1\"></span>redit<span class=\"_ _1\"></span> expo<span class=\"_ _1\"></span>sure fo<span class=\"_ _1\"></span>r risk<span class=\"_ _1\"></span> managem<span class=\"_ _1\"></span>ent p<span class=\"_ _1\"></span>urpo<span class=\"_ _1\"></span>ses co<span class=\"_ _1\"></span>nsid<span class=\"_ _1\"></span>ers th<span class=\"_ _1\"></span>at an exp<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>e varies<span class=\"_ _1\"></span> with </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs26d\">chan<span class=\"_ _1\"></span>ges in ma<span class=\"_ _1\"></span>rket co<span class=\"_ _1\"></span>nditi<span class=\"_ _1\"></span>ons, exp<span class=\"_ _1\"></span>ected ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws and<span class=\"_ _1\"></span> the pa<span class=\"_ _1\"></span>ssa<span class=\"_ _1\"></span>ge of time. Th<span class=\"_ _1\"></span>e ass<span class=\"_ _1\"></span>essment<span class=\"_ _1\"></span> of credi<span class=\"_ _1\"></span>t risk<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3e gs26e\">of a po<span class=\"_ _1\"></span>rtfolio<span class=\"_ _1\"></span> of ass<span class=\"_ _1\"></span>ets en<span class=\"_ _1\"></span>tai<span class=\"_ _1\"></span>ls furt<span class=\"_ _1\"></span>her est<span class=\"_ _1\"></span>imat<span class=\"ls6 ws3d\">ion<span class=\"_ _1\"></span>s as to th<span class=\"_ _1\"></span>e likelihood o<span class=\"_ _1\"></span>f defaults<span class=\"_ _1\"></span> occurring, of th<span class=\"_ _1\"></span>e </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs26f\">ass<span class=\"_ _1\"></span>ociated<span class=\"_ _1\"></span> loss r<span class=\"_ _1\"></span>atios and<span class=\"_ _1\"></span> of default<span class=\"_ _1\"></span> correla<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> betwe<span class=\"_ _1\"></span>en cou<span class=\"_ _1\"></span>nterpa<span class=\"_ _1\"></span>rties.<span class=\"_ _1\"></span> The Grou<span class=\"_ _1\"></span>p meas<span class=\"_ _1\"></span>ures<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs270\">using Pro<span class=\"_ _1\"></span>bability o<span class=\"_ _1\"></span>f Default (\u2018P<span class=\"_ _1\"></span>D\u2019), Expo<span class=\"_ _1\"></span>sure at Defa<span class=\"_ _1\"></span>ult (\u2018EAD\u2019<span class=\"_ _1\"></span>) and Los<span class=\"_ _1\"></span>s Given D<span class=\"_ _1\"></span>efault (\u2018LGD<span class=\"_ _1\"></span>\u2019). This is s<span class=\"_ _1\"></span>imilar </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs271\">to the approa<span class=\"_ _0\"></span>ch use<span class=\"_ _0\"></span>d for the<span class=\"_ _0\"></span> purpose<span class=\"_ _0\"></span>s of me<span class=\"_ _0\"></span>asuring Expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d Credi<span class=\"_ _0\"></span>t Loss (\u2018ECL<span class=\"_ _0\"></span>\u2019) unde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9. Re<span class=\"_ _0\"></span>fer to not<span class=\"_ _0\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs272\">2.3.4 for more deta<span class=\"_ _1\"></span>ils.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs273\">(a) Loans and advances to cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>rs<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs274\">The Group us<span class=\"_ _1\"></span>es internal credi<span class=\"_ _1\"></span>t risk gradin<span class=\"_ _1\"></span>gs (note 2.3.8) to reflect its a<span class=\"_ _1\"></span>ssessment<span class=\"_ _1\"></span> of the Probab<span class=\"_ _1\"></span>ility of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs275\">Defa<span class=\"_ _0\"></span>ult of individual<span class=\"_ _0\"></span> counterparti<span class=\"_ _0\"></span>es. Inte<span class=\"_ _0\"></span>rnal cr<span class=\"_ _0\"></span>edit risk grading<span class=\"_ _0\"></span>s are base<span class=\"_ _0\"></span>d on payment beha<span class=\"_ _0\"></span>viour, loan<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs276\">speci<span class=\"_ _1\"></span>fic infor<span class=\"_ _1\"></span>matio<span class=\"_ _1\"></span>n and<span class=\"_ _1\"></span> expert<span class=\"_ _1\"></span> judgemen<span class=\"_ _1\"></span>t.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs277\">Corporat<span class=\"_ _0\"></span>e and commercial<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs278\">Inform<span class=\"_ _0\"></span>ation consi<span class=\"_ _0\"></span>dered by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup whe<span class=\"_ _0\"></span>n dete<span class=\"_ _0\"></span>rmining<span class=\"_ _0\"></span> the inter<span class=\"_ _0\"></span>nal cre<span class=\"_ _0\"></span>dit risk g<span class=\"_ _0\"></span>rades inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span> the payme<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs279\">behaviour of<span class=\"_ _0\"></span> the bor<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span> and other inf<span class=\"_ _0\"></span>ormati<span class=\"_ _0\"></span>on about borrow<span class=\"_ _0\"></span>ers w<span class=\"_ _0\"></span>hich impact<span class=\"_ _0\"></span> their creditw<span class=\"_ _0\"></span>orthine<span class=\"_ _0\"></span>ss, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs27a\">includin<span class=\"_ _1\"></span>g level of income an<span class=\"_ _1\"></span>d/or financia<span class=\"_ _1\"></span>l perform<span class=\"ls5\">anc<span class=\"_ _1\"></span>e. <span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs27b\">The G<span class=\"_ _0\"></span>roup dete<span class=\"_ _0\"></span>rmines it<span class=\"_ _0\"></span>s internal<span class=\"_ _0\"></span> rating g<span class=\"_ _0\"></span>rades at a <span class=\"_ _0\"></span>borrow<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>evel.<span class=\"_ _0\"></span> The Gro<span class=\"_ _0\"></span>up incorpora<span class=\"_ _0\"></span>tes any up<span class=\"_ _0\"></span>dated </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsea gs27c\">or new i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>ation/c<span class=\"_ _0\"></span>redit assessme<span class=\"_ _0\"></span>nts on an<span class=\"_ _0\"></span> ongoi<span class=\"_ _0\"></span>ng basis.<span class=\"_ _0\"></span> In addit<span class=\"_ _0\"></span>ion, t<span class=\"_ _0\"></span>he Grou<span class=\"_ _0\"></span>p also <span class=\"_ _0\"></span>updates<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs27d\">informa<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> abou<span class=\"_ _1\"></span>t the cred<span class=\"_ _1\"></span>itwort<span class=\"_ _1\"></span>hines<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e borr<span class=\"_ _1\"></span>ower fro<span class=\"_ _1\"></span>m sou<span class=\"_ _1\"></span>rces su<span class=\"_ _1\"></span>ch as fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l statemen<span class=\"_ _1\"></span>ts.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs27e\">The cr<span class=\"_ _1\"></span>editwor<span class=\"_ _1\"></span>thines<span class=\"_ _1\"></span>s of t<span class=\"_ _1\"></span>he b<span class=\"_ _1\"></span>orrower i<span class=\"_ _1\"></span>s cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> in ev<span class=\"_ _1\"></span>ery per<span class=\"_ _1\"></span>iodic r<span class=\"_ _1\"></span>eview <span class=\"ls1 ws1\">- <span class=\"ls7 ws84\">normally on a yearly basis; or </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs27f\">more f<span class=\"_ _0\"></span>requent basi<span class=\"_ _0\"></span>s as dee<span class=\"_ _0\"></span>med nec<span class=\"_ _0\"></span>essary. T<span class=\"_ _0\"></span>his dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>s the updated inte<span class=\"_ _0\"></span>rnal cr<span class=\"_ _0\"></span>edit ri<span class=\"_ _0\"></span>sk grading<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws2c gs280\">Personal<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs281\">Afte<span class=\"_ _0\"></span>r initia<span class=\"_ _0\"></span>l recognition,<span class=\"_ _0\"></span> for retai<span class=\"_ _0\"></span>l business, the<span class=\"_ _0\"></span> payment<span class=\"_ _0\"></span> behaviour o<span class=\"_ _0\"></span>f the bor<span class=\"_ _0\"></span>rower is moni<span class=\"_ _0\"></span>tored on an </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gs282\">ongoing basi<span class=\"_ _0\"></span>s.  Any other<span class=\"_ _0\"></span> know<span class=\"_ _0\"></span>n inform<span class=\"_ _0\"></span>ation about t<span class=\"_ _0\"></span>he borrowe<span class=\"_ _0\"></span>r which im<span class=\"_ _0\"></span>pacts the<span class=\"_ _0\"></span> respective<span class=\"_ _0\"></span> credit </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs283\">worthine<span class=\"_ _0\"></span>ss, such as une<span class=\"_ _0\"></span>mploy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt and previo<span class=\"_ _0\"></span>us delinque<span class=\"_ _0\"></span>ncy hi<span class=\"_ _0\"></span>story, i<span class=\"_ _0\"></span>s also cap<span class=\"_ _0\"></span>tured.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs284\">(b) Other finan<span class=\"_ _1\"></span>cial assets<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs285\">Other financia<span class=\"_ _1\"></span>l assets<span class=\"_ _1\"></span> include Ba<span class=\"_ _1\"></span>lances with <span class=\"_ _1\"></span>Central Bank o<span class=\"_ _1\"></span>f Malt<span class=\"_ _1\"></span>a,<span class=\"ls1 ws1\"> </span>treasury bills,<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls6 ws52\">financial in<span class=\"_ _1\"></span>vestments an<span class=\"_ _1\"></span>d </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs286\">loans and adv<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span>s to banks.<span class=\"_ _0\"></span> T<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup utilise<span class=\"_ _0\"></span>s inter<span class=\"_ _0\"></span>nally ge<span class=\"_ _0\"></span>nerate<span class=\"_ _0\"></span>d model<span class=\"_ _0\"></span>s (as descr<span class=\"_ _0\"></span>ibed in note 2<span class=\"_ _0\"></span>.3.4.<span class=\"_ _0\"></span>3) </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws32 gs287\">to refle<span class=\"_ _1\"></span>ct its<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>t of th<span class=\"_ _1\"></span>e Proba<span class=\"_ _1\"></span>bility<span class=\"_ _1\"></span> of Defau<span class=\"_ _1\"></span>lt of i<span class=\"_ _1\"></span>ndiv<span class=\"_ _1\"></span>idua<span class=\"_ _1\"></span>l coun<span class=\"_ _1\"></span>terpar<span class=\"_ _1\"></span>ties. Th<span class=\"_ _1\"></span>ese grad<span class=\"_ _1\"></span>es are<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws58 gs288\">continuously<span class=\"_ _0\"></span> monit<span class=\"_ _0\"></span>ored and<span class=\"_ _0\"></span> updated. T<span class=\"_ _0\"></span>he PD<span class=\"_ _0\"></span>s associa<span class=\"_ _0\"></span>ted w<span class=\"_ _0\"></span>ith ea<span class=\"_ _0\"></span>ch grade<span class=\"_ _0\"></span> are de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ined base<span class=\"_ _0\"></span>d on </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs289\">reali<span class=\"_ _0\"></span>sed publishe<span class=\"_ _0\"></span>d defaul<span class=\"_ _0\"></span>t rates ove<span class=\"_ _0\"></span>r the pri<span class=\"_ _0\"></span>or 12 m<span class=\"_ _0\"></span>onths.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs28a\">In deter<span class=\"_ _0\"></span>mining the<span class=\"_ _0\"></span> Probabil<span class=\"_ _0\"></span>ity of Defaul<span class=\"_ _0\"></span>t of individual c<span class=\"_ _0\"></span>ounterpar<span class=\"_ _0\"></span>ties, the<span class=\"_ _0\"></span> Group di<span class=\"_ _0\"></span>stinguishe<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls5 ws7\">bet<span class=\"_ _1\"></span>ween<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws92 gs28b\">expos<span class=\"_ _1\"></span>ures c<span class=\"_ _1\"></span>onsi<span class=\"_ _1\"></span>dered \u2018i<span class=\"_ _1\"></span>nves<span class=\"_ _1\"></span>tment<span class=\"ls1 ws1\">-<span class=\"ls8 ws47\">grade\u2019 and \u2018non</span>-<span class=\"ls8 ws47\">inve<span class=\"_ _0\"></span>stment g<span class=\"_ _0\"></span>rade\u2019 base<span class=\"_ _0\"></span>d on cre<span class=\"_ _0\"></span>dit ratings by re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span>d </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs28c\">external ratin<span class=\"_ _1\"></span>g agencies. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs28e\">2.3.4<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws6\">E<span class=\"_ _1\"></span>xpected<span class=\"_ _1\"></span> Credit L<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span> measur<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws87 gs28f\">IFRS 9 outlines<span class=\"_ _1\"></span> a 'three<span class=\"ls1 ws1\">-</span>stage' mod<span class=\"_ _1\"></span>el for impair<span class=\"_ _1\"></span>ment bas<span class=\"_ _1\"></span>ed on chan<span class=\"_ _1\"></span>ges in credit qualit<span class=\"_ _1\"></span>y since initi<span class=\"_ _1\"></span>al </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs290\">recogn<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as su<span class=\"_ _1\"></span>mmaris<span class=\"_ _1\"></span>ed below:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs291\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs292\">a financial in<span class=\"_ _1\"></span>strument that is not cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-</span>impaired on in<span class=\"_ _1\"></span>itial recognition is<span class=\"_ _1\"></span> classified in 'Stage 1' and<span class=\"_ _1\"></span> has </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs293\">its cre<span class=\"_ _0\"></span>dit risk co<span class=\"_ _0\"></span>ntinuousl<span class=\"_ _0\"></span>y monitor<span class=\"_ _0\"></span>ed by the G<span class=\"_ _0\"></span>roup;<span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs294\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs295\">if a significan<span class=\"_ _1\"></span>t increase in credit<span class=\"_ _1\"></span> risk (\u2018SICR\u2019) sin<span class=\"_ _1\"></span>ce initial recognit<span class=\"_ _1\"></span>ion is iden<span class=\"_ _1\"></span>tified, the financial ins<span class=\"_ _1\"></span>trument </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws72 gs296\">is mov<span class=\"_ _1\"></span>ed to 'S<span class=\"_ _1\"></span>tage 2<span class=\"_ _1\"></span>' but is<span class=\"_ _1\"></span> not yet<span class=\"_ _1\"></span> deemed<span class=\"_ _1\"></span> to be cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-</span>i<span class=\"_ _1\"></span>mpai<span class=\"_ _1\"></span>red. Plea<span class=\"_ _1\"></span>se ref<span class=\"_ _1\"></span>er to n<span class=\"_ _1\"></span>ote<span class=\"_ _1\"></span> 2.3.4.1 fo<span class=\"_ _1\"></span>r a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs297\">descript<span class=\"_ _0\"></span>ion of how<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span> deter<span class=\"_ _0\"></span>mines<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">when a significan<span class=\"_ _1\"></span>t increas<span class=\"_ _1\"></span>e in credit risk h<span class=\"_ _1\"></span>as occurred;</span> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs298\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs299\">if the financial i<span class=\"_ _1\"></span>nstrument is credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">i<span class=\"_ _1\"></span>mpaired<span class=\"_ _1\"></span>, the fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l instru<span class=\"_ _1\"></span>ment is<span class=\"_ _1\"></span> then mov<span class=\"_ _1\"></span>ed to 'Sta<span class=\"_ _1\"></span>ge 3'. Pleas<span class=\"_ _1\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs29a\">refer to n<span class=\"_ _1\"></span>ote 2.3<span class=\"_ _1\"></span>.4.2 fo<span class=\"_ _1\"></span>r a des<span class=\"_ _1\"></span>crip<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> defin<span class=\"_ _1\"></span>es cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">impaired and de<span class=\"_ _0\"></span>fault;<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs29b\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs29c\">financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents in \u2018S<span class=\"_ _0\"></span>tage 1<span class=\"_ _0\"></span>\u2019 have the<span class=\"_ _0\"></span>ir ECL m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at an amount equal<span class=\"_ _0\"></span> to the port<span class=\"_ _0\"></span>ion of<span class=\"_ _0\"></span> lif<span class=\"_ _0\"></span>etime </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs29d\">expec<span class=\"_ _0\"></span>ted credi<span class=\"_ _0\"></span>t losses that r<span class=\"_ _0\"></span>esult from<span class=\"_ _0\"></span> default e<span class=\"_ _0\"></span>vents possible<span class=\"_ _0\"></span> withi<span class=\"_ _0\"></span>n the next 12 m<span class=\"_ _0\"></span>onths. Instrum<span class=\"_ _0\"></span>ents </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs29e\">in \u2018St<span class=\"_ _1\"></span>ages 2\u2019<span class=\"_ _1\"></span> or \u20183\u2019 hav<span class=\"_ _1\"></span>e their ECL mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> bas<span class=\"_ _1\"></span>ed on expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses on a<span class=\"_ _1\"></span> lifetim<span class=\"_ _1\"></span>e basi<span class=\"_ _1\"></span>s. Plea<span class=\"_ _1\"></span>se </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws86 gs29f\">refe<span class=\"_ _0\"></span>r to note<span class=\"_ _0\"></span> 2.3.4<span class=\"_ _0\"></span>.3 for<span class=\"_ _0\"></span> a de<span class=\"_ _0\"></span>scriptio<span class=\"_ _0\"></span>n of inpu<span class=\"_ _0\"></span>ts, as<span class=\"_ _0\"></span>sumptions <span class=\"_ _0\"></span>and e<span class=\"_ _0\"></span>stimati<span class=\"_ _0\"></span>on techni<span class=\"_ _0\"></span>ques use<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2a0\">measu<span class=\"_ _1\"></span>ring th<span class=\"_ _1\"></span>e ECL;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs2a1\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs2a2\">a pervas<span class=\"_ _1\"></span>ive concept in measuring E<span class=\"_ _1\"></span>CL in accordance with IFRS 9 i<span class=\"_ _1\"></span>s that it should consider forward<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs2a3\">looking i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>ation. Note<span class=\"_ _0\"></span> 2.3.4.4 inc<span class=\"_ _0\"></span>ludes an e<span class=\"_ _0\"></span>xplanation o<span class=\"_ _0\"></span>f how the Group ha<span class=\"_ _0\"></span>s incorpora<span class=\"_ _0\"></span>ted this in i<span class=\"_ _0\"></span>ts </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2a4\">ECL mod<span class=\"_ _1\"></span>els; an<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs2a5\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws58 gs2a6\">purchased or<span class=\"_ _0\"></span> ori<span class=\"_ _0\"></span>ginated c<span class=\"_ _0\"></span>redit<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws85\">impaired financia<span class=\"_ _1\"></span>l assets are tho<span class=\"_ _1\"></span>se financial ass<span class=\"_ _1\"></span>ets that are credit</span>-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs2a7\">impaired on in<span class=\"_ _1\"></span>itial recognitio<span class=\"_ _1\"></span>n. Their ECL<span class=\"_ _1\"></span> is always meas<span class=\"_ _1\"></span>ured on<span class=\"_ _1\"></span> a lifetime basis (\u2018<span class=\"_ _1\"></span>Stage 3\u2019).<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs2a8\">Further<span class=\"_ _0\"></span> explanat<span class=\"_ _0\"></span>ion is a<span class=\"_ _0\"></span>lso pro<span class=\"_ _0\"></span>vided i<span class=\"_ _0\"></span>n respe<span class=\"_ _0\"></span>ct of <span class=\"_ _0\"></span>how the<span class=\"_ _0\"></span> Group de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ines appropr<span class=\"_ _0\"></span>iate g<span class=\"_ _11\"></span>roupings of loans<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2a9\">and a<span class=\"_ _1\"></span>dvanc<span class=\"_ _1\"></span>es to cu<span class=\"_ _1\"></span>stomer<span class=\"_ _1\"></span>s for E<span class=\"_ _1\"></span>CL measu<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span> (refer t<span class=\"_ _1\"></span>o n<span class=\"_ _1\"></span>ote 2.3.4<span class=\"_ _1\"></span>.5).<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs2aa\">The Expe<span class=\"_ _0\"></span>cted Cre<span class=\"_ _0\"></span>dit Loss re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents appl<span class=\"_ _0\"></span>y to financ<span class=\"_ _0\"></span>ial assets m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amor<span class=\"_ _0\"></span>tised cost a<span class=\"_ _0\"></span>nd FVOC<span class=\"_ _0\"></span>I, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs2ab\">and certain<span class=\"_ _1\"></span> loan commitmen<span class=\"_ _1\"></span>ts and fin<span class=\"_ _1\"></span>ancial guara<span class=\"_ _1\"></span>ntee contracts. At in<span class=\"_ _1\"></span>itial recognitio<span class=\"_ _1\"></span>n, an impair<span class=\"_ _1\"></span>ment </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gs2ac\">allowa<span class=\"_ _1\"></span>nce (or p<span class=\"_ _1\"></span>rovi<span class=\"_ _1\"></span>sion i<span class=\"_ _1\"></span>n the cas<span class=\"_ _1\"></span>e of commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> a<span class=\"ls8 ws56\">nd guarante<span class=\"_ _0\"></span>es) is re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d for E<span class=\"_ _0\"></span>CL re<span class=\"_ _0\"></span>sulting f<span class=\"_ _0\"></span>rom </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs2ad\">default<span class=\"_ _0\"></span> events tha<span class=\"_ _0\"></span>t are possi<span class=\"_ _0\"></span>ble w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> next 12 m<span class=\"_ _0\"></span>onths (12<span class=\"ls1 ws1\">-</span>mo<span class=\"_ _0\"></span>nth ECL). I<span class=\"_ _0\"></span>n the event of a si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs2ae\">increase in cred<span class=\"_ _1\"></span>it risk, an allowan<span class=\"_ _1\"></span>ce (or provis<span class=\"_ _1\"></span>ion) is requ<span class=\"_ _1\"></span>ired for ECL resulting from a<span class=\"_ _1\"></span>ll possib<span class=\"_ _1\"></span>le <span class=\"ls5 ws7\">default </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs2af\">event<span class=\"_ _1\"></span>s over<span class=\"_ _1\"></span> the expec<span class=\"_ _1\"></span>ted life<span class=\"_ _1\"></span> of the fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ins<span class=\"_ _1\"></span>trument (l<span class=\"_ _1\"></span>ifetime E<span class=\"_ _1\"></span>CL). Fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets where 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ws7\">month<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs2b0\">ECL is recogni<span class=\"_ _1\"></span>sed are con<span class=\"_ _1\"></span>sidered<span class=\"_ _1\"></span> \u2018Stage 1\u2019. <span class=\"ls8 wsa\">As outlined previously, f<span class=\"_ _0\"></span><span class=\"ls6 ws7\">inancial as<span class=\"_ _1\"></span>sets which a<span class=\"_ _1\"></span>re considered to<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs2b1\">have experienced a<span class=\"_ _1\"></span> significant in<span class=\"_ _1\"></span>crease in credit ris<span class=\"_ _1\"></span>k would be classified as<span class=\"_ _1\"></span> \u2018Stage 2\u2019 and financial a<span class=\"_ _1\"></span>ssets for </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws83 gs2b2\">which t<span class=\"_ _1\"></span>here is<span class=\"_ _1\"></span> object<span class=\"_ _1\"></span>ive evid<span class=\"_ _1\"></span>ence o<span class=\"_ _1\"></span>f imp<span class=\"_ _1\"></span>airmen<span class=\"_ _1\"></span>t, th<span class=\"_ _1\"></span>us cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> to be in<span class=\"_ _1\"></span> defau<span class=\"_ _1\"></span>lt or oth<span class=\"_ _1\"></span>erwise cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs2b3\">i<span class=\"ls6 ws7\">mpaired, would<span class=\"_ _1\"></span> be classified <span class=\"_ _1\"></span>as \u2018Sta<span class=\"_ _1\"></span>ge 3\u2019.</span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws29 gs2b4\">The Group re<span class=\"_ _0\"></span>cognises loss allowance<span class=\"_ _0\"></span>s at an amount equal <span class=\"_ _0\"></span>to 12<span class=\"ls1 ws1\">-<span class=\"ls5 ws2a\">month ECL<span class=\"_ _1\"></span> for debt<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ment secu<span class=\"_ _1\"></span>rities<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs2b5\">that are de<span class=\"_ _0\"></span>termine<span class=\"_ _0\"></span>d to have low<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk at the re<span class=\"_ _0\"></span>porting date<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup conside<span class=\"_ _0\"></span>rs a debt securi<span class=\"_ _0\"></span>ty to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws61 gs2b6\">have low credit r<span class=\"_ _1\"></span>isk when it is<span class=\"_ _1\"></span> considered \u2018i<span class=\"_ _1\"></span>nv<span class=\"ls5 ws7\">est<span class=\"_ _1\"></span>ment<span class=\"ls1 ws1\">-<span class=\"lsb ws2c\">grade\u2019, <span class=\"_ _14\"></span><span class=\"ls7 ws4e\">as <span class=\"_ _10\"> </span><span class=\"ls8 ws4f\">defined by re<span class=\"_ _0\"></span>cogni<span class=\"_ _0\"></span>sed exte<span class=\"_ _0\"></span>rnal ra<span class=\"_ _0\"></span>ting </span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs2b7\">agencies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs2b8\">The foll<span class=\"_ _0\"></span>owing diag<span class=\"_ _0\"></span>ram summarise<span class=\"_ _0\"></span>s the im<span class=\"_ _0\"></span>pairment requi<span class=\"_ _0\"></span>rements unde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9 (other than purc<span class=\"_ _0\"></span>hased or </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs2b9\">originated cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-</span>impaired f<span class=\"_ _1\"></span>inancial a<span class=\"_ _1\"></span>ssets):<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1e0 h1aa\" id=\"_be18df2e-83e5-49dd-8f87-8eaba9e6537c\"><tr><td class=\"c x2bb y1e52 wc3 ha4\"><div class=\"t m0 x106 h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 1<span class=\"ffa ls1\"> </span></div></td><td class=\"c x2bc y1e52 wc4 ha4\"><div class=\"t m0 x14 h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 2<span class=\"ffa ls1\"> </span></div></td><td class=\"c x2bd y1e52 wc5 ha4\"><div class=\"t m0 x46 h9 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 3<span class=\"ls1\"> </span></div></td></tr><tr><td class=\"c x2bb y1e53 wc3 hcb\"><div class=\"t m0 x4f h3 ye50 ff1 fs1 fc0 sc0 ls6 ws7\">(Initial recogn<span class=\"_ _1\"></span>ition)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2bc y1e53 wc4 hcb\"><div class=\"t m0 xe9 h3 ye50 ff1 fs1 fc0 sc0 ls6 ws7\">(Significan<span class=\"_ _1\"></span>t increase in credi<span class=\"_ _1\"></span>t risk </div></td><td class=\"t m0 x2be h3 y1e54 ff1 fs1 fc0 sc0 ls5 ws7\">(Credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ls6\">impair<span class=\"_ _1\"></span>ed financial</span><span class=\"ls6\"> </span></td></tr><tr><td></td><td class=\"c x2bc y1e53 wc4 hcb\"><div class=\"t m0 xe5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">since initia<span class=\"_ _1\"></span>l recognition)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"t m0 x2bf h3 y1e55 ff1 fs1 fc0 sc0 lse ws8b\">assets)<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td class=\"c x2bb y1e56 wc3 hcb\"><div class=\"t m0 x88 h3 ye52 ff1 fs1 fc0 sc0 ls6 ws8\">12<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">mont<span class=\"_ _1\"></span>h expect<span class=\"_ _1\"></span>ed cr<span class=\"_ _1\"></span>edit lo<span class=\"_ _1\"></span>sses</span></span><span class=\"ls1 ws1\"><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x2bc y1e56 wc4 hcb\"><div class=\"t m0 x11 h3 ye52 ff1 fs1 fc0 sc0 ls5 ws6\">Lifeti<span class=\"_ _1\"></span>me exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2bd y1e56 wc5 hcb\"><div class=\"t m0 xdf h3 ye52 ff1 fs1 fc0 sc0 ls5 ws6\">Lifeti<span class=\"_ _1\"></span>me exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit </div></td></tr><tr><td></td><td></td><td class=\"c x2bd y1e56 wc5 hcb\"><div class=\"t m0 xf h3 y8d0 ff1 fs1 fc0 sc0 lse ws8b\">losses<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs2bc\">2.3.4.1<span class=\"ls1 ws1\"> <span class=\"_ _8a\"> </span></span><span class=\"ws7\">Signi<span class=\"_ _1\"></span>ficant increase in<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk (\u2018SICR\u2019)<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse9 gs2bd\">To det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>e whet<span class=\"_ _1\"></span>her the<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k (i.<span class=\"_ _1\"></span>e. risk<span class=\"_ _1\"></span> of d<span class=\"_ _1\"></span>efaul<span class=\"_ _1\"></span>t) on a<span class=\"_ _1\"></span> financ<span class=\"_ _1\"></span>ial i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>ument<span class=\"_ _1\"></span> has<span class=\"_ _1\"></span> increas<span class=\"_ _1\"></span>ed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs2be\">signifi<span class=\"_ _0\"></span>cantly sinc<span class=\"_ _0\"></span>e init<span class=\"_ _0\"></span>ial recogniti<span class=\"_ _0\"></span>on, the G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs reasona<span class=\"_ _0\"></span>ble and supporta<span class=\"_ _11\"></span>ble informati<span class=\"_ _0\"></span>on that is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws12d gs2bf\">rele<span class=\"_ _0\"></span>vant and avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout un<span class=\"_ _0\"></span>due cost<span class=\"_ _0\"></span> or e<span class=\"_ _0\"></span>ffort,<span class=\"_ _0\"></span> incl<span class=\"_ _0\"></span>uding both<span class=\"_ _0\"></span> quantita<span class=\"_ _0\"></span>tive a<span class=\"_ _0\"></span>nd qualit<span class=\"_ _0\"></span>ative<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs2c0\">inform<span class=\"_ _0\"></span>ation. S<span class=\"_ _0\"></span>uch analysis is based on the<span class=\"_ _0\"></span> Group\u2019s hi<span class=\"_ _0\"></span>storical<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>rience, cre<span class=\"_ _0\"></span>dit assessme<span class=\"_ _0\"></span>nt and forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs2c1\">looking inform<span class=\"_ _0\"></span>ation. <span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs2c2\">The G<span class=\"_ _0\"></span>roup prim<span class=\"_ _0\"></span>arily ide<span class=\"_ _0\"></span>ntifi<span class=\"_ _0\"></span>es whethe<span class=\"_ _0\"></span>r a SIC<span class=\"_ _0\"></span>R has occur<span class=\"_ _0\"></span>red <span class=\"_ _0\"></span>for an e<span class=\"_ _0\"></span>xposure w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> loa<span class=\"_ _0\"></span>ns and ad<span class=\"_ _0\"></span>vances<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs2c3\">to custome<span class=\"_ _0\"></span>rs, throug<span class=\"_ _0\"></span>h the Gr<span class=\"_ _0\"></span>oup\u2019s inter<span class=\"_ _0\"></span>nal risk gr<span class=\"_ _0\"></span>adings. T<span class=\"_ _11\"></span>he Group allocat<span class=\"_ _0\"></span>es eac<span class=\"_ _0\"></span>h exposure to an inte<span class=\"_ _0\"></span>rnal </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws5e gs2c4\">rating grade based on a varie<span class=\"_ _0\"></span>ty of data that<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls8 ws18\">is determ<span class=\"_ _0\"></span>ined to be pre<span class=\"_ _0\"></span>dictive<span class=\"_ _0\"></span> of the ri<span class=\"_ _0\"></span>sk of default and appl<span class=\"_ _0\"></span>ying </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs2c5\">exper<span class=\"_ _0\"></span>ienced c<span class=\"_ _0\"></span>redit judgeme<span class=\"_ _0\"></span>nt. These f<span class=\"_ _0\"></span>actors vary de<span class=\"_ _0\"></span>pending on the<span class=\"_ _0\"></span> nature of the<span class=\"_ _0\"></span> exposure and the type<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs2c6\">of borrow<span class=\"_ _0\"></span>er. Exposure<span class=\"_ _0\"></span>s are subje<span class=\"_ _0\"></span>ct to ong<span class=\"_ _0\"></span>oing moni<span class=\"_ _0\"></span>toring, whi<span class=\"_ _0\"></span>ch may resul<span class=\"_ _0\"></span>t in an expos<span class=\"ls5 ws3b\">ure being <span class=\"_ _1\"></span>moved<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2c7\">to a d<span class=\"_ _1\"></span>ifferent i<span class=\"_ _1\"></span>nterna<span class=\"_ _1\"></span>l ratin<span class=\"_ _1\"></span>g gra<span class=\"_ _1\"></span>de.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs2c8\">The G<span class=\"_ _0\"></span>roup ident<span class=\"_ _0\"></span>ifies SI<span class=\"_ _0\"></span>CR and classif<span class=\"_ _0\"></span>ies such non<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws6\">defau<span class=\"_ _1\"></span>lted exp<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>es int<span class=\"_ _1\"></span>o \u2018Stag<span class=\"_ _1\"></span>e 2\u2019 when t<span class=\"_ _1\"></span>hey fu<span class=\"_ _1\"></span>lfil at </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs2c9\">least one of th<span class=\"_ _1\"></span>e following con<span class=\"_ _1\"></span>ditions<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs2ca\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the ex<span class=\"_ _0\"></span>posure is c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d forbor<span class=\"_ _0\"></span>ne;<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs2cb\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws45\">the cred<span class=\"_ _1\"></span>it qua<span class=\"_ _1\"></span>lity o<span class=\"_ _1\"></span>f any o<span class=\"_ _1\"></span>ther exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>re(s) of t<span class=\"_ _1\"></span>he sa<span class=\"_ _1\"></span>me cus<span class=\"_ _1\"></span>tomer is<span class=\"_ _1\"></span>/are no<span class=\"_ _1\"></span>t cons<span class=\"_ _1\"></span>ider<span class=\"_ _1\"></span>ed \u2018reg<span class=\"_ _1\"></span>ular<span class=\"_ _1\"></span>\u2019 (except<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2cc\">where ot<span class=\"_ _1\"></span>herwis<span class=\"_ _1\"></span>e sta<span class=\"_ _1\"></span>ted in t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s C<span class=\"_ _1\"></span>redit Po<span class=\"_ _1\"></span>licy e.g<span class=\"_ _1\"></span>. cash<span class=\"_ _1\"></span> covered<span class=\"_ _1\"></span> facilit<span class=\"_ _1\"></span>ies); a<span class=\"_ _1\"></span>nd<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs2cd\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span>\u2019s internal<span class=\"_ _0\"></span> rating g<span class=\"_ _0\"></span>rade i<span class=\"_ _0\"></span>s not consider<span class=\"_ _0\"></span>ed \u2018per<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ing\u2019, as de<span class=\"_ _0\"></span>fined i<span class=\"_ _0\"></span>n note 2.<span class=\"_ _0\"></span>3.8.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs2ce\">As referred to<span class=\"_ _1\"></span> previousl<span class=\"_ _1\"></span>y, exist<span class=\"_ _1\"></span>ing geopolitical fa<span class=\"_ _1\"></span>ctors a<span class=\"_ _1\"></span>s well as t<span class=\"_ _1\"></span>he current<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws7\">market</span> <span class=\"_ _14\"> </span><span class=\"ls8 ws33\">s<span class=\"_ _1\"></span>cenarios, w<span class=\"_ _0\"></span>ith the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs2cf\">consequent<span class=\"_ _0\"></span>ial ec<span class=\"_ _0\"></span>onomic conditio<span class=\"_ _0\"></span>ns, continue<span class=\"_ _0\"></span> to pose an e<span class=\"_ _0\"></span>levate<span class=\"_ _0\"></span>d level of unce<span class=\"_ _0\"></span>rtainty,<span class=\"_ _0\"></span> particul<span class=\"_ _0\"></span>arly wi<span class=\"_ _0\"></span>th </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2d0\">respec<span class=\"_ _1\"></span>t to th<span class=\"_ _1\"></span>e ident<span class=\"_ _1\"></span>ificatio<span class=\"_ _1\"></span>n o<span class=\"_ _1\"></span>f custo<span class=\"_ _1\"></span>mers th<span class=\"_ _1\"></span>at wou<span class=\"_ _1\"></span>ld ha<span class=\"_ _1\"></span>ve experienc<span class=\"_ _1\"></span>ed a S<span class=\"_ _1\"></span>ICR.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs2d1\">The B<span class=\"_ _0\"></span>ank<span class=\"ls1 ws1\">\u2019</span>s individual<span class=\"ls1 ws1\"> </span><span class=\"ws16\">debtor<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws11\">focused approa<span class=\"_ _0\"></span>ch enable<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span> identi<span class=\"_ _0\"></span>ficati<span class=\"_ _0\"></span>on of SI<span class=\"_ _0\"></span>CR of signi<span class=\"_ _0\"></span>ficant e<span class=\"_ _0\"></span>xposures<span class=\"_ _0\"></span>, </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs2d2\">specifically with<span class=\"_ _1\"></span>in its corp<span class=\"_ _1\"></span>orate and co<span class=\"_ _1\"></span>mmercial portfolio<span class=\"_ _1\"></span>. These expos<span class=\"_ _1\"></span>ures are as<span class=\"_ _1\"></span>sessed perio<span class=\"_ _1\"></span>dically for<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs2d3\">SICR t<span class=\"_ _0\"></span>hrough indivi<span class=\"_ _0\"></span>dual c<span class=\"_ _0\"></span>redit <span class=\"_ _0\"></span>risk as<span class=\"_ _0\"></span>sessme<span class=\"_ _0\"></span>nts, on <span class=\"_ _0\"></span>the ba<span class=\"_ _0\"></span>sis o<span class=\"_ _0\"></span>f <span class=\"ls5 ws3f\">recently<span class=\"_ _1\"></span> obtai<span class=\"_ _1\"></span>ned man<span class=\"_ _1\"></span>agement i<span class=\"_ _1\"></span>nforma<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs2d4\">including<span class=\"_ _0\"></span> fore<span class=\"_ _0\"></span>casts. Exposure<span class=\"_ _0\"></span>s in respe<span class=\"_ _0\"></span>ct of whi<span class=\"_ _0\"></span>ch SICR has been o<span class=\"_ _0\"></span>bserved ar<span class=\"_ _0\"></span>e attributed hig<span class=\"_ _0\"></span>her ECL<span class=\"_ _0\"></span>, and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs2d5\">are as<span class=\"_ _1\"></span>signed<span class=\"_ _1\"></span> an elev<span class=\"_ _1\"></span>ated i<span class=\"_ _1\"></span>nterna<span class=\"_ _1\"></span>l ratin<span class=\"_ _1\"></span>g of <span class=\"ls9 ws6f\">P2 or P3<span class=\"ls8 ws2d\">, hence r<span class=\"_ _11\"></span>equiring close<span class=\"_ _0\"></span>r and more<span class=\"_ _0\"></span> fre<span class=\"_ _0\"></span>quent monitor<span class=\"_ _0\"></span>ing </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs2d6\">on a monthly or<span class=\"_ _0\"></span> quarte<span class=\"_ _0\"></span>rly ba<span class=\"_ _0\"></span>sis (depe<span class=\"_ _0\"></span>nding on the<span class=\"_ _0\"></span> exte<span class=\"_ _0\"></span>nt of<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit risk de<span class=\"_ _0\"></span>terio<span class=\"_ _0\"></span>ration) to f<span class=\"_ _0\"></span>acilit<span class=\"_ _0\"></span>ate time<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs2d7\">identif<span class=\"_ _0\"></span>icati<span class=\"_ _0\"></span>on of furthe<span class=\"_ _0\"></span>r deteriorati<span class=\"_ _0\"></span>on in fina<span class=\"_ _0\"></span>ncial c<span class=\"_ _0\"></span>ondition. The<span class=\"_ _0\"></span> assessment<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span> to be perfo<span class=\"_ _0\"></span>rmed by </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2d8\">the Com<span class=\"_ _1\"></span>merci<span class=\"_ _1\"></span>al Cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\"> </span>D<span class=\"_ _1\"></span>epart<span class=\"_ _1\"></span>ment an<span class=\"_ _1\"></span>d are di<span class=\"_ _1\"></span>scus<span class=\"_ _1\"></span>sed a<span class=\"_ _1\"></span>nd rev<span class=\"_ _1\"></span>iewed a<span class=\"_ _1\"></span>t Cred<span class=\"_ _1\"></span>it Co<span class=\"_ _1\"></span>mmittee <span class=\"_ _1\"></span>or Bo<span class=\"_ _1\"></span>ard lev<span class=\"_ _1\"></span>el as<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs2d9\">applicab<span class=\"_ _1\"></span>le.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wse3 gs2da\">For the pur<span class=\"_ _0\"></span>pose of a<span class=\"_ _0\"></span>chieving<span class=\"_ _0\"></span> a compr<span class=\"_ _0\"></span>ehensi<span class=\"_ _0\"></span>ve assessm<span class=\"_ _0\"></span>ent the<span class=\"_ _0\"></span> Bank also ut<span class=\"_ _0\"></span>ilises,<span class=\"_ _0\"></span> as applic<span class=\"_ _0\"></span>able, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs2db\">segmentation<span class=\"_ _1\"></span> techniq<span class=\"_ _1\"></span>ues in relation<span class=\"_ _1\"></span> to identifyi<span class=\"_ _1\"></span>ng indicato<span class=\"_ _1\"></span>rs of SICR<span class=\"_ _1\"></span> within bot<span class=\"_ _1\"></span>h corpor<span class=\"_ _1\"></span>ate &amp; commer<span class=\"_ _1\"></span>cial </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs2dc\">and personal portfolios. <span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws20 gs2dd\">In relat<span class=\"_ _0\"></span>ion to per<span class=\"_ _0\"></span>sonal por<span class=\"_ _0\"></span>tf<span class=\"_ _0\"></span>olios, SIC<span class=\"_ _0\"></span>R is ge<span class=\"_ _0\"></span>neral<span class=\"_ _0\"></span>ly dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d on the basis<span class=\"_ _0\"></span> of de<span class=\"_ _0\"></span>linquenc<span class=\"_ _0\"></span>y relat<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs2de\">indicato<span class=\"_ _1\"></span>rs since less<span class=\"_ _1\"></span> information is<span class=\"_ _1\"></span> available at as<span class=\"_ _1\"></span>set level to enable th<span class=\"_ _1\"></span>e timely identificat<span class=\"_ _1\"></span>ion of a<span class=\"_ _1\"></span> SICR. The </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs2df\">Bank conti<span class=\"_ _0\"></span>nues to apply r<span class=\"_ _0\"></span>igoro<span class=\"_ _0\"></span>usly its cr<span class=\"_ _0\"></span>edit asse<span class=\"_ _0\"></span>ssme<span class=\"_ _0\"></span>nt and oversi<span class=\"_ _0\"></span>ght proce<span class=\"_ _0\"></span>sses, whi<span class=\"_ _0\"></span>ch include<span class=\"_ _0\"></span> monit<span class=\"_ _0\"></span>oring </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs2e0\">of arre<span class=\"_ _0\"></span>ars. Pe<span class=\"_ _0\"></span>rsonal borr<span class=\"_ _0\"></span>owers a<span class=\"_ _0\"></span>re con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span>ed to ex<span class=\"_ _0\"></span>hibit <span class=\"_ _0\"></span>signs of<span class=\"_ _0\"></span> SICR<span class=\"_ _0\"></span> and co<span class=\"_ _0\"></span>nsequentl<span class=\"_ _0\"></span>y downg<span class=\"_ _0\"></span>raded to<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs2e1\">Stage 2 if they met t<span class=\"_ _1\"></span>he followi<span class=\"_ _1\"></span>ng criteria:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs2e2\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">repaym<span class=\"_ _0\"></span>ents bei<span class=\"_ _0\"></span>ng past<span class=\"ls1 ws1\"> </span>due by<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">30 days or<span class=\"_ _1\"></span></span> <span class=\"ls5 ws6\">more; an<span class=\"_ _1\"></span>d</span> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs2e3\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">other qualit<span class=\"_ _1\"></span>ative criteria, in<span class=\"_ _1\"></span>cluding bu<span class=\"_ _1\"></span>t not limited to actu<span class=\"_ _1\"></span>al or poten<span class=\"_ _1\"></span>tial loss o<span class=\"_ _1\"></span>f personal income.</span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs2e4\">In respect of <span class=\"_ _1\"></span>individ<span class=\"_ _1\"></span>ually si<span class=\"_ _1\"></span>gnificant loan<span class=\"_ _1\"></span>s within th<span class=\"_ _1\"></span>e corpora<span class=\"_ _1\"></span>te and commercia<span class=\"_ _1\"></span>l portfolio<span class=\"_ _1\"></span>, du<span class=\"_ _1\"></span>ring 202<span class=\"ls1 ws1\">5<span class=\"ls9 ws8\">, the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs2e5\">Bank foc<span class=\"_ _0\"></span>used partic<span class=\"_ _0\"></span>ularly on<span class=\"_ _0\"></span> those bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>rs that<span class=\"_ _0\"></span> are d<span class=\"_ _0\"></span>eeme<span class=\"_ _0\"></span>d to be mor<span class=\"_ _0\"></span>e susce<span class=\"_ _0\"></span>ptible to<span class=\"_ _0\"></span> the curr<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs2e6\">economic <span class=\"ls5 ws7\">en<span class=\"_ _1\"></span>viro<span class=\"_ _1\"></span>nment.<span class=\"_ _bc\"> </span></span><span class=\"ls5 ws7\"><span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs2e8\">A set of crit<span class=\"_ _1\"></span>eria specif<span class=\"_ _1\"></span>ically de<span class=\"_ _1\"></span>signed to a<span class=\"_ _1\"></span>ddress credi<span class=\"_ _1\"></span>t risk d<span class=\"_ _1\"></span>eteriorations<span class=\"_ _1\"></span>, is in pla<span class=\"_ _1\"></span>ce to de<span class=\"_ _1\"></span>termine wh<span class=\"_ _1\"></span>ether </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs2e9\">borrowers exhi<span class=\"_ _1\"></span>bit signs<span class=\"_ _1\"></span> of SICR.<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 wsb\">In summary, the B<span class=\"_ _0\"></span>ank\u2019s moni<span class=\"_ _0\"></span>toring typi<span class=\"_ _0\"></span>cally i<span class=\"_ _0\"></span>ncludes the asse<span class=\"_ _0\"></span>ssment of </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs2ea\">following risk cr<span class=\"_ _1\"></span>iteria:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1e1 h1ab\" id=\"_3b964ca5-d758-4674-af33-8b9737c54082\"><tr><td class=\"c n x2c1 y1e57 w1e2 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls28 ws0\">Corporate<span class=\"_ _1\"></span> and commercial e<span class=\"_ _1\"></span>xposures<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c n x2c2 y1e57 w1e3 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls28 ws0\">Personal exposur<span class=\"_ _1\"></span>es<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c n x2c3 y1e57 w1e4 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls27 ws97\">All exposu<span class=\"_ _1\"></span>res<span class=\"_ _bc\"> </span></div></td><td></td></tr><tr><td class=\"c x270 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c4 y1e59 w1e6 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls29 ws98\">inform<span class=\"_ _1\"></span>ation o<span class=\"_ _1\"></span>btained du<span class=\"_ _1\"></span>ring per<span class=\"_ _1\"></span>io<span class=\"_ _1\"></span>dic review o<span class=\"_ _1\"></span>f<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c5 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c6 y1e59 w1e7 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls28 ws0\">internally co<span class=\"_ _1\"></span>llected<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c7 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c8 y1e59 w1e8 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\"><span class=\"ls29 ws98\">payment rec<span class=\"_ _1\"></span>ord </span>\u2013 <span class=\"ls29 ws9a\">thi<span class=\"_ _1\"></span>s<span class=\"_ _bc\"> </span></span></div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5a ff1 fs8 fc0 sc0 ls4 ws9a\">customer f<span class=\"_ _1\"></span>iles <span class=\"ls1 ws1\">\u2013 </span>e.g. a<span class=\"_ _1\"></span>udited fina<span class=\"_ _1\"></span>ncial stat<span class=\"_ _1\"></span>ements, </td><td class=\"t m0 x2ca h25 y1e5a ff1 fs8 fc0 sc0 ls29 ws98\" colspan=\"2\">data on c<span class=\"_ _1\"></span>ustomer </td><td class=\"t m0 x2cb h25 y1e5a ff1 fs8 fc0 sc0 ls4 ws9a\" colspan=\"2\">includes o<span class=\"_ _1\"></span>verdue stat<span class=\"_ _1\"></span>us </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5b ff1 fs8 fc0 sc0 ls29 ws98\">managemen<span class=\"_ _1\"></span>t acc<span class=\"_ _1\"></span>ounts, bu<span class=\"_ _1\"></span>dgets <span class=\"_ _1\"></span>and projec<span class=\"_ _1\"></span>tions. </td><td class=\"t m0 x2ca h25 y1e5b ff1 fs8 fc0 sc0 ls29 ws9a\" colspan=\"2\">behaviour<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ls4 ws0\">e.g.</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"> </span></span></td><td class=\"t m0 x2cb h25 y1e5b ff1 fs8 fc0 sc0 ls4 ws9a\" colspan=\"2\">as well as a r<span class=\"_ _1\"></span>ange of </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5c ff1 fs8 fc0 sc0 ls4 ws9a\">Exam<span class=\"_ _1\"></span>ples of areas o<span class=\"_ _1\"></span>f particular<span class=\"_ _1\"></span> focus are: gro<span class=\"_ _1\"></span>ss </td><td class=\"t m0 x2ca h25 y1e5c ff1 fs8 fc0 sc0 ls28 ws0\" colspan=\"2\">utilisatio<span class=\"_ _1\"></span>n of credit </td><td class=\"c x2cc y1e5d wc8 hcd\" colspan=\"2\"><div class=\"t m0 x90 h25 ye84 ff1 fs8 fc0 sc0 ls29 ws98\">variables a<span class=\"_ _1\"></span>bout pa<span class=\"_ _1\"></span>yment </div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5e ff1 fs8 fc0 sc0 ls4 ws9a\">profit ma<span class=\"_ _1\"></span>rgins, fina<span class=\"_ _1\"></span>ncial lev<span class=\"_ _1\"></span>erage ratio<span class=\"_ _1\"></span>s, debt </td><td class=\"t m0 x2ca h25 y1e5e ff1 fs8 fc0 sc0 ls28 ws0\" colspan=\"2\">card facilit<span class=\"_ _1\"></span>ies;<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2cb h25 y1e5e ff1 fs8 fc0 sc0 ls2a ws10d\" colspan=\"2\">ratios;<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5f ff1 fs8 fc0 sc0 ls4 ws9a\">service co<span class=\"_ _1\"></span>vera<span class=\"ls29 ws98\">ge, co<span class=\"_ _1\"></span>mplianc<span class=\"_ _1\"></span>e with c<span class=\"_ _1\"></span>ontrac<span class=\"_ _1\"></span>tual</span><span class=\"ls29 ws98\"> </span></td><td class=\"c n x2cd y1e61 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2ce y1e61 w1e9 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls28 ws0\">affordabilit<span class=\"_ _1\"></span>y metrics;</div></td><td class=\"t m0 x2cf hb3 y1e5f ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"ff9\"> </span></td><td class=\"c x2cc y1e5d wc8 hcd\"><div class=\"t m0 x90 h25 ye85 ff1 fs8 fc0 sc0 ls29 ws98\">utilizat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> the grante<span class=\"_ _1\"></span>d </div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e62 ff1 fs8 fc0 sc0 ls29 ws98\">conditi<span class=\"_ _1\"></span>ons, qua<span class=\"_ _1\"></span>lity of<span class=\"_ _1\"></span> manageme<span class=\"_ _1\"></span>nt and senio<span class=\"_ _1\"></span>r </td><td></td><td class=\"t m0 x2ca h25 y1e62 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2cb h25 y1e62 ff1 fs8 fc0 sc0 ls28 ws99\" colspan=\"2\">limit;<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e63 ff1 fs8 fc0 sc0 ls4 ws9a\">managemen<span class=\"_ _1\"></span>t changes;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"c n x2cd y1e64 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2ce y1e64 w1ea h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">external data from<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d0 y1e64 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d1 y1e64 w1eb h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">requests fo<span class=\"_ _1\"></span>r and<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c n x2d2 y1e65 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d3 y1e65 w1ec h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">data fro<span class=\"_ _1\"></span>m credit refe<span class=\"_ _1\"></span>rence agenci<span class=\"_ _1\"></span>es, press a<span class=\"_ _1\"></span>rticles;<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"t m0 x2ca h25 y1e66 ff1 fs8 fc0 sc0 ls4 ws9a\">credit ref<span class=\"_ _1\"></span>erence </td><td class=\"t m0 x2cb h25 y1e66 ff1 fs8 fc0 sc0 ls29 ws98\" colspan=\"2\">granti<span class=\"_ _1\"></span>ng of fo<span class=\"_ _1\"></span>rbearance; </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e67 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td></td><td class=\"t m0 x2ca h25 y1e67 ff1 fs8 fc0 sc0 ls4 ws9a\">agencies inc<span class=\"_ _1\"></span>luding </td><td></td><td class=\"t m0 x2cb h25 y1e67 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td></tr><tr><td class=\"c n x2d2 y1e68 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d3 y1e68 w1ed h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls29 ws98\">actual<span class=\"_ _1\"></span> and expec<span class=\"_ _1\"></span>ted sign<span class=\"_ _1\"></span>ificant c<span class=\"_ _1\"></span>hanges in t<span class=\"_ _1\"></span>he<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"t m0 x2ca h25 y1e69 ff1 fs8 fc0 sc0 ls29 ws9a\">industry<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>standar<span class=\"_ _1\"></span>d </td><td class=\"c n x2d0 y1e68 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d1 y1e68 w1ee h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">existing a<span class=\"_ _1\"></span>nd forecast<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e6a ff1 fs8 fc0 sc0 ls28 ws0\">political,<span class=\"_ _1\"></span> regulatory and tec<span class=\"_ _1\"></span>hnologic<span class=\"_ _1\"></span>al environment </td><td></td><td class=\"t m0 x2ca h25 y1e6a ff1 fs8 fc0 sc0 ls4 ws9a\">credit sco<span class=\"_ _1\"></span>res.<span class=\"ls1 ws1\"> </span></td><td></td><td class=\"t m0 x2cb h25 y1e6a ff1 fs8 fc0 sc0 ls4 ws9a\">changes in b<span class=\"_ _1\"></span>usiness,<span class=\"_ _1\"></span> </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e6b ff1 fs8 fc0 sc0 ls2a ws99\">of the borrower o<span class=\"_ _1\"></span>r in its business a<span class=\"_ _1\"></span>ctivities.<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x2cb h25 y1e6b ff1 fs8 fc0 sc0 ls29 ws98\">financia<span class=\"_ _1\"></span>l and ec<span class=\"_ _1\"></span>onomic<span class=\"_ _1\"></span> </td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x2d4 h25 y1e6c ff1 fs8 fc0 sc0 ls29 ws9a\">conditi<span class=\"_ _1\"></span>ons.<span class=\"ls1 ws1\"> </span></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse9 gs2ed\">The as<span class=\"_ _1\"></span>sess<span class=\"_ _1\"></span>ment of SIC<span class=\"_ _1\"></span>R incorp<span class=\"_ _1\"></span>orat<span class=\"_ _1\"></span>es forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls6 ws8c\">looking in<span class=\"_ _1\"></span>formation (refer to<span class=\"_ _1\"></span> note 2.3.4.4 for furt<span class=\"_ _1\"></span>her </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs2ee\">inform<span class=\"_ _0\"></span>ation) and i<span class=\"_ _0\"></span>s perfo<span class=\"_ _0\"></span>rmed at the count<span class=\"_ _0\"></span>erparty l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> on a perio<span class=\"_ _0\"></span>dic basis. T<span class=\"_ _0\"></span>he cri<span class=\"_ _0\"></span>teria used t<span class=\"_ _0\"></span>o identif<span class=\"_ _0\"></span>y </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs2ef\">SICR ar<span class=\"_ _1\"></span>e mon<span class=\"_ _1\"></span>itored<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> revie<span class=\"_ _1\"></span>wed per<span class=\"_ _1\"></span>iod<span class=\"_ _1\"></span>ically<span class=\"_ _1\"></span> for a<span class=\"_ _1\"></span><span class=\"ls8 ws3c\">ppropriat<span class=\"_ _0\"></span>eness by the<span class=\"_ _0\"></span> independe<span class=\"_ _0\"></span>nt Risk Manag<span class=\"_ _0\"></span>ement </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws16 gs2f0\">function.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs2f1\">As a backsto<span class=\"_ _0\"></span>p, and as r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>d by IFRS<span class=\"_ _0\"></span> 9, the G<span class=\"_ _0\"></span>roup presu<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>vely consi<span class=\"_ _0\"></span>ders that a S<span class=\"_ _0\"></span>IC<span class=\"_ _0\"></span>R occur<span class=\"_ _0\"></span>s when an </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws12e gs2f2\">asset i<span class=\"_ _0\"></span>s past d<span class=\"_ _0\"></span>ue<span class=\"ls1 ws1\"> <span class=\"ls7 ws26\">b<span class=\"_ _0\"></span>y 30 days or m<span class=\"_ _0\"></span>ore<span class=\"ls8 ws15\">. T<span class=\"_ _0\"></span>he Group det<span class=\"_ _0\"></span>ermine<span class=\"_ _0\"></span>s days past due by c<span class=\"_ _0\"></span>ounting the<span class=\"_ _11\"></span> number of days<span class=\"_ _0\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2f3\">sinc<span class=\"_ _1\"></span>e the earl<span class=\"_ _1\"></span>iest ela<span class=\"_ _1\"></span>psed d<span class=\"_ _1\"></span>ue da<span class=\"_ _1\"></span>te in res<span class=\"_ _1\"></span>pect of wh<span class=\"_ _1\"></span>ich fu<span class=\"_ _1\"></span>ll pa<span class=\"_ _1\"></span>yment h<span class=\"_ _1\"></span>as n<span class=\"_ _1\"></span>ot been<span class=\"_ _1\"></span> receive<span class=\"_ _1\"></span>d.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs2f4\">In the case<span class=\"_ _0\"></span> of othe<span class=\"_ _0\"></span>r fina<span class=\"_ _0\"></span>ncial assets (i<span class=\"_ _0\"></span>ncluding<span class=\"_ _0\"></span> loans and<span class=\"_ _0\"></span> advance<span class=\"_ _0\"></span>s to banks and i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents in de<span class=\"_ _0\"></span>bt </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs2f5\">securities), t<span class=\"_ _1\"></span>he Group applies the low cred<span class=\"_ _1\"></span>it risk simplificati<span class=\"_ _1\"></span>on to all its expos<span class=\"_ _1\"></span>ures considered \u2018inv<span class=\"_ _1\"></span>estment<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws62 gs2f6\">grade\u2019,<span class=\"_ _0\"></span> thus the<span class=\"_ _0\"></span>y are<span class=\"_ _0\"></span> not s<span class=\"_ _0\"></span>ubject t<span class=\"_ _0\"></span>o the SI<span class=\"_ _0\"></span>CR<span class=\"ls1 ws1\">  <span class=\"ls5 ws2f\">assess<span class=\"_ _1\"></span>ment. Mo<span class=\"_ _1\"></span>ving fr<span class=\"_ _1\"></span>om \u2018inv<span class=\"_ _1\"></span>estment</span>-<span class=\"ls7 ws7d\">grade\u2019 to \u2018non</span>-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs2f7\">investme<span class=\"_ _0\"></span>nt grade<span class=\"_ _0\"></span>\u2019 does not a<span class=\"_ _0\"></span>utoma<span class=\"_ _0\"></span>ticall<span class=\"_ _0\"></span>y mean tha<span class=\"_ _0\"></span>t there<span class=\"_ _0\"></span> has been a SIC<span class=\"_ _0\"></span>R.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs2f8\">2.3.4.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Definit<span class=\"_ _1\"></span>ion of defau<span class=\"_ _1\"></span>lt and credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">impaired<span class=\"_ _1\"></span> asset<span class=\"_ _1\"></span>s</span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs2f9\">The Grou<span class=\"_ _1\"></span>p\u2019s a<span class=\"_ _1\"></span>ssess<span class=\"_ _1\"></span>ment to determ<span class=\"_ _1\"></span>ine th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> of increa<span class=\"_ _1\"></span>se in cr<span class=\"_ _1\"></span>edit risk<span class=\"_ _1\"></span> of a finan<span class=\"_ _1\"></span>cial instr<span class=\"_ _1\"></span>ument s<span class=\"_ _1\"></span>ince </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs2fa\">initial recogn<span class=\"_ _1\"></span>ition is perfor<span class=\"_ _1\"></span>med by<span class=\"_ _1\"></span> considering th<span class=\"_ _1\"></span>e change in the ris<span class=\"_ _1\"></span>k of default occu<span class=\"_ _1\"></span>rring over th<span class=\"_ _1\"></span>e remaining </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2fb\">life of th<span class=\"_ _1\"></span>e fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> instr<span class=\"_ _1\"></span>umen<span class=\"_ _1\"></span>t. As a<span class=\"_ _1\"></span> <span class=\"ls8 wsa\">result, t<span class=\"_ _11\"></span>he definition of de<span class=\"_ _0\"></span>fault i<span class=\"_ _0\"></span>s importa<span class=\"_ _0\"></span>nt.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs2fc\">The Group appl<span class=\"_ _0\"></span>ies the<span class=\"_ _0\"></span> defi<span class=\"_ _0\"></span>nition of def<span class=\"_ _0\"></span>ault in a manne<span class=\"_ _0\"></span>r consistent w<span class=\"_ _0\"></span>ith inte<span class=\"_ _0\"></span>rnal cr<span class=\"_ _0\"></span>edit risk m<span class=\"_ _0\"></span>anageme<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gs2fd\">practic<span class=\"_ _0\"></span>es for t<span class=\"_ _0\"></span>he rele<span class=\"_ _0\"></span>vant instrume<span class=\"_ _0\"></span>nts and the de<span class=\"_ _0\"></span>fini<span class=\"_ _0\"></span>tion conside<span class=\"_ _0\"></span>rs qualita<span class=\"_ _0\"></span>tive and qu<span class=\"_ _0\"></span>antitati<span class=\"_ _0\"></span>ve fac<span class=\"_ _0\"></span>tors </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs2fe\">where ap<span class=\"_ _1\"></span>prop<span class=\"_ _1\"></span>riate.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs2ff\">The G<span class=\"_ _0\"></span>roup dete<span class=\"_ _0\"></span>rmines that<span class=\"_ _0\"></span> a financ<span class=\"_ _0\"></span>ial instrum<span class=\"_ _0\"></span>ent is c<span class=\"_ _0\"></span>redit<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws3c\">impaired (<span class=\"_ _0\"></span>in def<span class=\"_ _0\"></span>ault and in \u2018S<span class=\"_ _0\"></span>tage 3<span class=\"_ _0\"></span>\u2019 for IF<span class=\"_ _0\"></span>RS 9 </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs300\">purposes) by<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>ring re<span class=\"_ _0\"></span>levant objec<span class=\"_ _0\"></span>tive e<span class=\"_ _0\"></span>vidence<span class=\"_ _0\"></span>, primari<span class=\"_ _0\"></span>ly whe<span class=\"_ _0\"></span>ther:<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs301\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws3c\">contrac<span class=\"_ _0\"></span>tual payme<span class=\"_ _0\"></span>nts of e<span class=\"_ _0\"></span>ither pr<span class=\"_ _0\"></span>incipal<span class=\"_ _0\"></span> or inter<span class=\"_ _0\"></span>est are<span class=\"_ _0\"></span> past due fo<span class=\"_ _0\"></span>r <span class=\"ls6 wsd\">90 days or <span class=\"ls5 ws22\">mo<span class=\"_ _1\"></span>re for an<span class=\"_ _1\"></span>y mater<span class=\"_ _1\"></span>ial </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs302\">credit obligat<span class=\"_ _1\"></span>ions to t<span class=\"_ _1\"></span>he Group;<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs303\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws56\">there<span class=\"_ _0\"></span> are othe<span class=\"_ _0\"></span>r indicati<span class=\"_ _0\"></span>ons that the bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>r is unlike<span class=\"_ _0\"></span>ly to pay such as tha<span class=\"_ _0\"></span>t a conce<span class=\"_ _0\"></span>ssion has be<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws84 gs304\">granted to the borrower for econom<span class=\"_ _0\"></span>ic or legal reasons of an enduring nature relati<span class=\"_ _0\"></span>ng to the borrower\u2019s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs305\">financial con<span class=\"_ _1\"></span>dition, wh<span class=\"_ _1\"></span>ich indicates the borro<span class=\"_ _1\"></span>wer is in significant finan<span class=\"_ _1\"></span>cial difficulty (un<span class=\"_ _1\"></span>likeliness to pay </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs306\">criteria); and<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs307\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the loan i<span class=\"_ _0\"></span>s otherw<span class=\"_ _0\"></span>ise co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d to be in de<span class=\"_ _0\"></span>fault i<span class=\"_ _0\"></span>n line w<span class=\"_ _0\"></span>ith an instrum<span class=\"_ _0\"></span>ent\u2019s te<span class=\"_ _0\"></span>rms and<span class=\"_ _0\"></span> conditi<span class=\"_ _0\"></span>ons.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs308\">Therefo<span class=\"_ _1\"></span>re, th<span class=\"_ _1\"></span>e defin<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span>s of c<span class=\"_ _1\"></span>redit<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">impaired and defa<span class=\"_ _0\"></span>ult are ali<span class=\"_ _0\"></span>gned so that \u2018S<span class=\"_ _0\"></span>tage<span class=\"_ _0\"></span> 3\u2019 represe<span class=\"_ _0\"></span>nts all lo<span class=\"_ _0\"></span>ans </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs309\">which ar<span class=\"_ _0\"></span>e conside<span class=\"_ _0\"></span>red de<span class=\"_ _0\"></span>faulted or<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">impa<span class=\"_ _1\"></span>ired.<span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs30b\">In assessi<span class=\"_ _0\"></span>ng whet<span class=\"_ _0\"></span>her a borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span> is in def<span class=\"_ _0\"></span>ault, the<span class=\"_ _0\"></span> Group will<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>r indicat<span class=\"_ _0\"></span>ors that are<span class=\"_ _11\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs30c\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws8\">qualitati<span class=\"_ _1\"></span>ve <span class=\"_ _10\"> </span></span>\u2013 <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">such as non</span>-<span class=\"ls8 ws5c\">adhere<span class=\"_ _0\"></span>nce to term<span class=\"_ _0\"></span>s and conditions of<span class=\"_ _0\"></span> sanction a<span class=\"_ _0\"></span>nd/or othe<span class=\"_ _0\"></span>r breac<span class=\"_ _0\"></span>hes of </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs30d\">covenants, ove<span class=\"_ _0\"></span>rdue s<span class=\"_ _0\"></span>tatus an<span class=\"_ _0\"></span>d non<span class=\"ls1 ws1\">-<span class=\"ls7\">payme<span class=\"_ _0\"></span>nt of another obl<span class=\"_ _0\"></span>igation of the sam<span class=\"_ _0\"></span>e obligor to the G<span class=\"_ _0\"></span>roup; <span class=\"ls1\"> </span></span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs30e\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls9 wsa\">quantitative </span>\u2013 <span class=\"ls8 wsa\">such as chang<span class=\"_ _0\"></span>es in proba<span class=\"_ _0\"></span>bili<span class=\"_ _0\"></span>ties of<span class=\"_ _0\"></span> defaul<span class=\"_ _0\"></span>t; and<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs30f\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">based on data<span class=\"_ _0\"></span> deve<span class=\"_ _0\"></span>loped inte<span class=\"_ _0\"></span>rnally a<span class=\"_ _0\"></span>nd obtai<span class=\"_ _0\"></span>ned from<span class=\"_ _0\"></span> externa<span class=\"_ _0\"></span>l source<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs310\">The de<span class=\"_ _0\"></span>fault de<span class=\"_ _0\"></span>finit<span class=\"_ _0\"></span>ion has bee<span class=\"_ _0\"></span>n applied c<span class=\"_ _0\"></span>onsiste<span class=\"_ _0\"></span>ntly to m<span class=\"_ _0\"></span>odel<span class=\"_ _0\"></span> the Pro<span class=\"_ _0\"></span>bability of<span class=\"_ _0\"></span> Def<span class=\"_ _0\"></span>ault (\u2018P<span class=\"_ _0\"></span>D\u2019), Exposur<span class=\"_ _0\"></span>e at<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs311\">Default (\u2018EAD\u2019) a<span class=\"_ _1\"></span>nd Loss<span class=\"_ _1\"></span> Given Default (\u2018LG<span class=\"_ _1\"></span>D\u2019) through<span class=\"_ _1\"></span>out the Bank\u2019s<span class=\"_ _1\"></span> expected loss<span class=\"_ _1\"></span> calculations<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs312\">As referred to<span class=\"_ _1\"></span> previousl<span class=\"_ _1\"></span>y, existing geopolit<span class=\"_ _1\"></span>ical conditio<span class=\"_ _1\"></span>ns as well as<span class=\"_ _1\"></span> the current <span class=\"ls5 ws7\">mar<span class=\"_ _1\"></span>ket<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws11\">environments and </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs313\">the co<span class=\"_ _1\"></span>nsequ<span class=\"_ _1\"></span>entia<span class=\"_ _1\"></span>l econo<span class=\"_ _1\"></span>mic impact<span class=\"_ _1\"></span>s hav<span class=\"_ _1\"></span>e cont<span class=\"_ _1\"></span>inued to give r<span class=\"_ _1\"></span>ise to an<span class=\"_ _1\"></span> elevated<span class=\"_ _1\"></span> level of un<span class=\"_ _1\"></span>certain<span class=\"_ _1\"></span>ty, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs314\">particul<span class=\"_ _0\"></span>arly wi<span class=\"_ _0\"></span>th respec<span class=\"_ _0\"></span>t to the ide<span class=\"_ _0\"></span>ntificati<span class=\"_ _0\"></span>on of custom<span class=\"_ _0\"></span>ers that woul<span class=\"_ _0\"></span>d have showe<span class=\"_ _0\"></span>d signs of<span class=\"_ _0\"></span> unlikene<span class=\"_ _0\"></span>ss<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wse3 gs315\">pay (\u2018UT<span class=\"_ _0\"></span>P\u2019). The<span class=\"_ _0\"></span> Bank perform<span class=\"_ _0\"></span>s <span class=\"ls5 ws12f\">ass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>ts to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine wh<span class=\"_ _1\"></span>ether<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>rrent<span class=\"_ _1\"></span> macr<span class=\"_ _1\"></span>o<span class=\"ls1 ws1\">-</span><span class=\"ws7\">econ<span class=\"_ _1\"></span>omic<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs316\">circumstan<span class=\"_ _1\"></span>ces may trans<span class=\"_ _1\"></span>form into lo<span class=\"_ _1\"></span>ng<span class=\"ls1 ws1\">-</span>term borro<span class=\"_ _1\"></span>wer financial d<span class=\"_ _1\"></span>ifficulties, t<span class=\"_ _1\"></span>hereby poten<span class=\"_ _1\"></span>tially requirin<span class=\"_ _1\"></span>g a<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs317\">downgrade o<span class=\"_ _1\"></span>f individu<span class=\"_ _1\"></span>al expos<span class=\"_ _1\"></span>ures or expos<span class=\"_ _1\"></span>ures sha<span class=\"_ _1\"></span>ring similar credit r<span class=\"_ _1\"></span>isk chara<span class=\"_ _1\"></span>cteristics<span class=\"_ _1\"></span> to Stage 3 to<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs318\">reflect<span class=\"_ _1\"></span> the lev<span class=\"_ _1\"></span>el of ch<span class=\"_ _1\"></span>ange in<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k.  <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs319\">Except f<span class=\"_ _0\"></span>or for<span class=\"_ _0\"></span>borne e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span>s, an in<span class=\"_ _0\"></span>strum<span class=\"_ _0\"></span>ent is<span class=\"_ _0\"></span> consider<span class=\"_ _0\"></span>ed to<span class=\"_ _0\"></span> no long<span class=\"_ _0\"></span>er be<span class=\"_ _0\"></span> in de<span class=\"_ _0\"></span>fault (<span class=\"_ _0\"></span>i.e. t<span class=\"_ _0\"></span>o have be<span class=\"_ _0\"></span>en </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs31a\">cured<span class=\"_ _1\"></span>) when it n<span class=\"_ _1\"></span>o lon<span class=\"_ _1\"></span>ger meets a<span class=\"_ _1\"></span>ny of the defa<span class=\"_ _1\"></span>ult cr<span class=\"_ _1\"></span>iteria fo<span class=\"_ _1\"></span>r a consec<span class=\"_ _1\"></span>utive p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> of three mon<span class=\"_ _1\"></span>ths.<span class=\"_ _1\"></span> This </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs31b\">period has<span class=\"_ _0\"></span> bee<span class=\"_ _0\"></span>n deter<span class=\"_ _0\"></span>mined ba<span class=\"_ _0\"></span>sed on an<span class=\"_ _0\"></span> analy<span class=\"_ _0\"></span>s<span class=\"ls6 ws1c\">is which consid<span class=\"_ _1\"></span>ers the likelihood o<span class=\"_ _1\"></span>f a financial instru<span class=\"_ _1\"></span>ment </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs31c\">returni<span class=\"_ _0\"></span>ng to def<span class=\"_ _0\"></span>ault status af<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>r cure<span class=\"_ _0\"></span> using diff<span class=\"_ _0\"></span>erent possibl<span class=\"_ _11\"></span>e cure definit<span class=\"_ _0\"></span>ions.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs31d\">In the case<span class=\"_ _0\"></span> of f<span class=\"_ _0\"></span>orborne e<span class=\"_ _0\"></span>xposures, the c<span class=\"_ _0\"></span>ure pe<span class=\"_ _0\"></span>riod com<span class=\"_ _0\"></span>prises 12 c<span class=\"_ _0\"></span>onsecuti<span class=\"_ _0\"></span>ve monthl<span class=\"_ _0\"></span>y repayment<span class=\"_ _0\"></span>s made in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs31e\">a timely<span class=\"_ _1\"></span> man<span class=\"_ _1\"></span>ner with<span class=\"_ _1\"></span> a min<span class=\"_ _1\"></span>imal g<span class=\"_ _1\"></span>race p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>f on<span class=\"_ _1\"></span>e day (i<span class=\"_ _1\"></span>.e. one o<span class=\"_ _1\"></span>r mor<span class=\"_ _1\"></span>e repa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span> may<span class=\"_ _1\"></span> be made n<span class=\"_ _1\"></span>o </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs31f\">more than one day late)<span class=\"_ _0\"></span>.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs320\">The G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs other<span class=\"_ _0\"></span> financial a<span class=\"_ _0\"></span>ssets to be i<span class=\"_ _0\"></span>n defaul<span class=\"_ _0\"></span>t when a pa<span class=\"_ _0\"></span>yment due<span class=\"_ _0\"></span> including a c<span class=\"_ _0\"></span>oupon </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs321\">paymen<span class=\"_ _1\"></span>t is n<span class=\"_ _1\"></span>ot effected<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs322\">2.3.4.3  Measurin<span class=\"_ _1\"></span>g ECL <span class=\"ls1 ws1\">\u2013 <span class=\"ls8 wsa\">Explanation of input<span class=\"_ _0\"></span>s, assum<span class=\"_ _0\"></span>ption<span class=\"_ _0\"></span>s and estima<span class=\"_ _0\"></span>tion tec<span class=\"_ _0\"></span>hniques<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs323\">The Exp<span class=\"_ _1\"></span>ected <span class=\"_ _1\"></span>Credit L<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span> (\u2018ECL\u2019<span class=\"_ _1\"></span>) is meas<span class=\"_ _1\"></span>ured o<span class=\"_ _1\"></span>n eith<span class=\"_ _1\"></span>er a 12<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">month (12M) or on a l<span class=\"_ _0\"></span>ife<span class=\"_ _0\"></span>time basis dependi<span class=\"_ _0\"></span>ng </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs324\">on whether a s<span class=\"_ _1\"></span>ignificant incr<span class=\"_ _1\"></span>ease in credit ris<span class=\"_ _1\"></span>k has occurred since in<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> or whether an ass<span class=\"_ _1\"></span>et is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs325\">consider<span class=\"_ _0\"></span>ed to be c<span class=\"_ _0\"></span>redit<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">impai<span class=\"_ _1\"></span>red. <span class=\"_ _13\"></span><span class=\"ls1 ws1\">E<span class=\"ls8 ws1b\">xpected c<span class=\"_ _0\"></span>redit l<span class=\"_ _0\"></span>osses ar<span class=\"_ _0\"></span>e the di<span class=\"_ _0\"></span>scounted pr<span class=\"_ _0\"></span>oduct o<span class=\"_ _0\"></span>f the<span class=\"_ _0\"></span> Probabi<span class=\"_ _0\"></span>lity of </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs326\">Default (\u2018PD\u2019), E<span class=\"_ _1\"></span>xposure at<span class=\"_ _1\"></span> Default (\u2018EAD\u2019) an<span class=\"_ _1\"></span>d Loss Given Default (\u2018LGD\u2019).<span class=\"_ _1\"></span> When calculati<span class=\"_ _1\"></span>ng the Ban<span class=\"_ _1\"></span>k\u2019s ECL, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs327\">speci<span class=\"_ _1\"></span>al cons<span class=\"_ _1\"></span>idera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> were m<span class=\"_ _1\"></span>ade to<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ess th<span class=\"_ _1\"></span>e impact<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t eco<span class=\"_ _1\"></span>nomi<span class=\"_ _1\"></span><span class=\"ls6 ws1d\">c con<span class=\"ls8 ws15\">ditions. Furt<span class=\"_ _0\"></span>her det<span class=\"_ _0\"></span>ails </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs328\">are set out in<span class=\"_ _1\"></span> note 2.3.4.4.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs329\">The EC<span class=\"_ _0\"></span>L is dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d by pro<span class=\"_ _0\"></span>jec<span class=\"_ _0\"></span>ting the<span class=\"_ _0\"></span> PD, EAD a<span class=\"_ _11\"></span>nd LGD for e<span class=\"_ _0\"></span>ach futur<span class=\"_ _0\"></span>e mont<span class=\"_ _0\"></span>h and fo<span class=\"_ _0\"></span>r e<span class=\"_ _0\"></span>ach individ<span class=\"_ _0\"></span>ual </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs32a\">exposure<span class=\"_ _0\"></span>. These<span class=\"_ _0\"></span> three c<span class=\"_ _0\"></span>omponents are<span class=\"_ _0\"></span> multipl<span class=\"_ _0\"></span>ied tog<span class=\"_ _0\"></span>ether and adjuste<span class=\"_ _0\"></span>d for t<span class=\"_ _0\"></span>he like<span class=\"_ _0\"></span>lihood of survi<span class=\"_ _0\"></span>val (i.e<span class=\"_ _0\"></span>. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs32b\">the expo<span class=\"_ _0\"></span>sure has<span class=\"_ _0\"></span> not pre<span class=\"_ _0\"></span>paid o<span class=\"_ _0\"></span>r defa<span class=\"_ _0\"></span>ulted in an<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"ls5 ws3b\">ear<span class=\"_ _1\"></span>lier mon<span class=\"_ _1\"></span>th). Thi<span class=\"_ _1\"></span>s effectiv<span class=\"_ _1\"></span>ely cal<span class=\"_ _1\"></span>culates<span class=\"_ _1\"></span> an E<span class=\"_ _1\"></span>CL for each </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs32c\">future m<span class=\"_ _0\"></span>onth, which i<span class=\"_ _0\"></span>s then discounted ba<span class=\"_ _0\"></span>ck to the<span class=\"_ _0\"></span> reporti<span class=\"_ _0\"></span>ng date and summe<span class=\"_ _0\"></span>d. The discount rate<span class=\"_ _0\"></span> used in<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs32d\">the ECL calcu<span class=\"_ _1\"></span>lation is th<span class=\"_ _1\"></span>e original effectiv<span class=\"_ _1\"></span>e interest ra<span class=\"_ _1\"></span>te or an app<span class=\"_ _1\"></span>roximation th<span class=\"_ _1\"></span>ereof.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls18 ws130 gs32e\">The 12<span class=\"ls1 ws1\">-<span class=\"_ _1\"></span><span class=\"ls6 wsd\">month ECL is calcu<span class=\"_ _1\"></span>lated by multiply<span class=\"_ _1\"></span>ing the 12</span>-<span class=\"ls6 wsd\">month PD,<span class=\"_ _1\"></span> LGD, and EAD. Lifetime ECL is<span class=\"_ _1\"></span> calculated </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs32f\">on a s<span class=\"_ _1\"></span>imilar<span class=\"_ _1\"></span> basis<span class=\"_ _1\"></span> for th<span class=\"_ _1\"></span>e residua<span class=\"_ _1\"></span>l life of th<span class=\"_ _1\"></span>e expos<span class=\"_ _1\"></span>ure.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws68 gs330\">The PD, E<span class=\"_ _1\"></span>AD and<span class=\"_ _1\"></span> LGD pa<span class=\"_ _1\"></span>rameters<span class=\"_ _1\"></span> are deri<span class=\"_ _1\"></span>ved fro<span class=\"_ _1\"></span>m int<span class=\"_ _1\"></span>erna<span class=\"_ _1\"></span>lly dev<span class=\"_ _1\"></span>eloped<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>istica<span class=\"_ _1\"></span>l models a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs331\">historical data, adjusted to re<span class=\"_ _0\"></span>flec<span class=\"_ _0\"></span>t forward<span class=\"ls1\">-</span>looking inf<span class=\"_ _0\"></span>ormation as described below. <span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs332\">The PD represen<span class=\"_ _1\"></span>ts the likelih<span class=\"_ _1\"></span>ood of a b<span class=\"_ _1\"></span>orrower defaultin<span class=\"_ _1\"></span>g on its<span class=\"_ _1\"></span> financial ob<span class=\"_ _1\"></span>ligation (as<span class=\"_ _1\"></span> per \u2018definition of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs333\">default<span class=\"_ _0\"></span> and credi<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">impaired<span class=\"_ _1\"></span>\u2019 ab<span class=\"_ _1\"></span>ove),<span class=\"_ _1\"></span> either o<span class=\"_ _1\"></span>ver the n<span class=\"_ _1\"></span>ext 12 mont<span class=\"_ _1\"></span>hs (12<span class=\"_ _1\"></span>M PD), or<span class=\"_ _1\"></span> over th<span class=\"_ _1\"></span>e remain<span class=\"_ _1\"></span>ing </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws80 gs334\">lifeti<span class=\"_ _1\"></span>me (Lifet<span class=\"_ _1\"></span>ime PD<span class=\"_ _1\"></span>) of th<span class=\"_ _1\"></span>e obliga<span class=\"_ _1\"></span>tion.<span class=\"_ _1\"></span> Accor<span class=\"ls6 ws5a\">d<span class=\"_ _1\"></span>ingly, the 12<span class=\"ls1 ws1\">-</span></span>mon<span class=\"_ _1\"></span>th an<span class=\"_ _1\"></span>d lifeti<span class=\"_ _1\"></span>me PDs<span class=\"_ _1\"></span> represen<span class=\"_ _1\"></span>t the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs335\">Probabili<span class=\"_ _0\"></span>ty of De<span class=\"_ _0\"></span>fault o<span class=\"_ _0\"></span>ccurring ove<span class=\"_ _0\"></span>r the ne<span class=\"_ _0\"></span>xt 12 m<span class=\"_ _0\"></span>onths and the r<span class=\"_ _0\"></span>emai<span class=\"_ _0\"></span>ning ma<span class=\"_ _0\"></span>turity of<span class=\"_ _0\"></span> the instrum<span class=\"_ _0\"></span>ent, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs336\">respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws5e gs338\">PD estimate<span class=\"_ _0\"></span>s are estimate<span class=\"_ _0\"></span>s at a certain date, w<span class=\"_ _0\"></span>hich, for the l<span class=\"_ _0\"></span>oans and advances to cu<span class=\"_ _0\"></span>stomers, are c<span class=\"_ _0\"></span>alculated </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws90 gs339\">based on statistical rating<span class=\"_ _0\"></span> models and assessed u<span class=\"_ _0\"></span>sing rating tool<span class=\"_ _0\"></span>s tailored to the vario<span class=\"_ _0\"></span>us categorie<span class=\"_ _0\"></span>s of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs33a\">counterpa<span class=\"_ _0\"></span>rties and e<span class=\"_ _0\"></span>xposures.<span class=\"_ _0\"></span> These<span class=\"_ _0\"></span> statis<span class=\"ls6 wsd\">tical models a<span class=\"_ _1\"></span>re based<span class=\"_ _1\"></span> on internal<span class=\"_ _1\"></span>ly<span class=\"ls1 ws1\">-</span>compiled <span class=\"_ _1\"></span>data comp<span class=\"_ _1\"></span>rising </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs33b\">both quanti<span class=\"_ _0\"></span>tative an<span class=\"_ _0\"></span>d qualit<span class=\"_ _0\"></span>ative<span class=\"_ _0\"></span> facto<span class=\"_ _0\"></span>rs. The<span class=\"_ _0\"></span> PD calc<span class=\"_ _0\"></span>ulation i<span class=\"_ _0\"></span>s based on <span class=\"_ _0\"></span>a tran<span class=\"_ _0\"></span>sition m<span class=\"_ _0\"></span>atri<span class=\"_ _0\"></span>x approac<span class=\"_ _0\"></span>h. The </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws40 gs33c\">main assumpt<span class=\"_ _0\"></span>ions un<span class=\"_ _0\"></span>derlyi<span class=\"_ _0\"></span>ng such <span class=\"_ _0\"></span>approach<span class=\"_ _0\"></span> <span class=\"lsa ws24\">are<span class=\"ls1 ws1\"> <span class=\"_ _1d\"> </span></span></span>that th<span class=\"_ _0\"></span>e PD de<span class=\"_ _0\"></span>pends on<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>particul<span class=\"_ _0\"></span>ar pe<span class=\"ls5 ws32\">riod after </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws90 gs33d\">origination (\u2018months on book\u2019) and the curr<span class=\"_ _0\"></span>ent characteristics of the ex<span class=\"_ _0\"></span>posure or borrower. Default is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs33e\">consider<span class=\"_ _0\"></span>ed to be an<span class=\"_ _0\"></span> abso<span class=\"_ _0\"></span>rbing<span class=\"_ _0\"></span> state, w<span class=\"_ _0\"></span>here<span class=\"_ _0\"></span>by if an e<span class=\"_ _0\"></span>xposu<span class=\"_ _0\"></span>re is de<span class=\"_ _0\"></span>faulte<span class=\"_ _0\"></span>d, it re<span class=\"_ _0\"></span>mains in<span class=\"_ _0\"></span> thi<span class=\"_ _0\"></span>s state<span class=\"_ _0\"></span> during </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs33f\">futur<span class=\"_ _1\"></span>e years<span class=\"_ _1\"></span>. Market<span class=\"_ _1\"></span> data<span class=\"_ _1\"></span> is used<span class=\"_ _1\"></span> fo<span class=\"ls8 wsa\">r the PD of<span class=\"_ _0\"></span> loans and a<span class=\"_ _0\"></span>dvanc<span class=\"_ _0\"></span>es to bank<span class=\"_ _0\"></span>s and inve<span class=\"_ _0\"></span>stment se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>es. If<span class=\"_ _0\"></span> a </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs340\">counterpa<span class=\"_ _1\"></span>rty or expos<span class=\"_ _1\"></span>ure migrates between int<span class=\"_ _1\"></span>ernal rating <span class=\"_ _1\"></span>grades or ext<span class=\"_ _1\"></span>ernal credit ratin<span class=\"_ _1\"></span>gs, th<span class=\"_ _1\"></span>en this will </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs341\">lead to a change in the<span class=\"_ _0\"></span> associated PD.<span class=\"_ _0\"></span><span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs342\">The 12 month<span class=\"_ _1\"></span> and lifetime PDs<span class=\"_ _1\"></span> are developed b<span class=\"_ _1\"></span>y utilisin<span class=\"_ _1\"></span>g statistical metho<span class=\"_ _1\"></span>dologies to<span class=\"_ _1\"></span> analyse hist<span class=\"_ _1\"></span>orical </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsa1 gs343\">observed data to e<span class=\"_ _0\"></span>stimate the probabili<span class=\"_ _0\"></span>ty of a borrow<span class=\"_ _0\"></span>er\u2019s transition from<span class=\"_ _0\"></span> one internal r<span class=\"_ _0\"></span>ating class to<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs344\">another (o<span class=\"_ _1\"></span>r of staying in the same class<span class=\"_ _1\"></span>) within<span class=\"ls1 ws1\"> <span class=\"ls8 ws2d\">a given horizo<span class=\"_ _0\"></span>n. The c<span class=\"_ _0\"></span>onditional<span class=\"_ _0\"></span> PD is<span class=\"_ _0\"></span> adjuste<span class=\"_ _0\"></span>d to con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs345\">forward<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls7\">looking information through macro</span>-<span class=\"_ _0\"></span><span class=\"ls6 ws7\">economic mod<span class=\"_ _1\"></span>elling.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs346\">EAD repr<span class=\"_ _0\"></span>esents the<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>cted exposur<span class=\"_ _0\"></span>e in the<span class=\"_ _0\"></span> event of<span class=\"_ _0\"></span> a d<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>ault (inc<span class=\"_ _0\"></span>luding any e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted drawdow<span class=\"_ _0\"></span>ns of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws68 gs347\">committ<span class=\"_ _1\"></span>ed fac<span class=\"_ _1\"></span>iliti<span class=\"_ _1\"></span>es). The Gr<span class=\"_ _1\"></span>oup<span class=\"_ _1\"></span> deriv<span class=\"_ _1\"></span>es the EAD<span class=\"_ _1\"></span> from the cu<span class=\"_ _1\"></span>rrent<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ure to t<span class=\"_ _1\"></span>he count<span class=\"_ _1\"></span>erpart<span class=\"_ _1\"></span>y and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs348\">potential<span class=\"_ _0\"></span> change<span class=\"_ _0\"></span>s to the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt amount al<span class=\"_ _0\"></span>lowe<span class=\"_ _0\"></span>d under th<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws49\">contract. The E<span class=\"_ _1\"></span>AD of a financial a<span class=\"_ _1\"></span>sset is the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs349\">gross carrying amount at <span class=\"_ _0\"></span>default.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs34a\">EAD is<span class=\"_ _1\"></span> bas<span class=\"_ _1\"></span>ed on t<span class=\"_ _1\"></span>he amou<span class=\"_ _1\"></span>nts t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p exp<span class=\"_ _1\"></span>ects to<span class=\"_ _1\"></span> be o<span class=\"_ _1\"></span>wed at<span class=\"_ _1\"></span> the ti<span class=\"_ _1\"></span>me of de<span class=\"_ _1\"></span>fault<span class=\"_ _1\"></span>, over<span class=\"_ _1\"></span> the n<span class=\"_ _1\"></span>ext 1<span class=\"_ _1\"></span>2 month<span class=\"_ _1\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs34b\">(12M EA<span class=\"_ _1\"></span>D) or ov<span class=\"_ _1\"></span>er the re<span class=\"_ _1\"></span>main<span class=\"_ _1\"></span>ing li<span class=\"_ _1\"></span>fetime (L<span class=\"_ _1\"></span>ifeti<span class=\"_ _1\"></span>me EAD). <span class=\"_ _1\"></span>For exa<span class=\"_ _1\"></span>mple, fo<span class=\"_ _1\"></span>r a revo<span class=\"_ _1\"></span>lving<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment,<span class=\"_ _1\"></span> the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs34c\">Group inc<span class=\"_ _0\"></span>ludes the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt drawn bal<span class=\"_ _0\"></span>ance plus any<span class=\"ls1 ws1\"> </span>f<span class=\"_ _0\"></span>urthe<span class=\"_ _0\"></span>r amount<span class=\"_ _0\"></span> that is expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d to be draw<span class=\"_ _0\"></span>n up to the<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs34d\">current<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>tual lim<span class=\"_ _0\"></span>it by the t<span class=\"_ _0\"></span>ime of de<span class=\"_ _0\"></span>fault,<span class=\"_ _0\"></span> should it oc<span class=\"_ _0\"></span>cur. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls18 wsa3 gs34e\">The 1<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">mont<span class=\"_ _1\"></span>h and<span class=\"_ _1\"></span> lifeti<span class=\"_ _1\"></span>me EAD<span class=\"_ _1\"></span>s are d<span class=\"_ _1\"></span>etermin<span class=\"_ _1\"></span>ed ba<span class=\"_ _1\"></span>sed on<span class=\"_ _1\"></span> th<span class=\"_ _1\"></span>e expect<span class=\"_ _1\"></span>ed pay<span class=\"_ _1\"></span>ment p<span class=\"_ _1\"></span>rofil<span class=\"_ _1\"></span>e, whi<span class=\"_ _1\"></span>ch var<span class=\"_ _1\"></span>ies by<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs34f\">product type<span class=\"_ _0\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs350\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">for am<span class=\"_ _0\"></span>ortising<span class=\"_ _0\"></span> products<span class=\"_ _0\"></span> and b<span class=\"_ _0\"></span>ullet<span class=\"_ _0\"></span> repaym<span class=\"_ _0\"></span>ent loans, thi<span class=\"_ _11\"></span>s is based on<span class=\"_ _0\"></span> the contr<span class=\"_ _0\"></span>actual r<span class=\"_ _0\"></span>epaym<span class=\"_ _0\"></span>ents ow<span class=\"_ _0\"></span>ed </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs351\">by th<span class=\"_ _1\"></span>e borr<span class=\"_ _1\"></span>ower over<span class=\"_ _1\"></span> a 12<span class=\"ls1 ws1\">-</span>mon<span class=\"_ _1\"></span>th or<span class=\"_ _1\"></span> lifetime ba<span class=\"_ _1\"></span>sis;<span class=\"_ _1\"></span> and<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs352\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws53\">for re<span class=\"_ _0\"></span>volving pr<span class=\"_ _0\"></span>oduct<span class=\"_ _0\"></span>s, the Ex<span class=\"_ _11\"></span>posure at Def<span class=\"_ _0\"></span>ault is <span class=\"_ _0\"></span>predic<span class=\"_ _0\"></span>ted by taki<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>urrent dr<span class=\"_ _0\"></span>awn<span class=\"_ _0\"></span> balanc<span class=\"_ _0\"></span>e and ad<span class=\"_ _0\"></span>ding<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs353\">a \u2018cred<span class=\"_ _1\"></span>it con<span class=\"_ _1\"></span>versi<span class=\"_ _1\"></span>on fact<span class=\"_ _1\"></span>or\u2019 w<span class=\"_ _1\"></span>hich<span class=\"_ _1\"></span> allows<span class=\"_ _1\"></span> for th<span class=\"_ _1\"></span>e exp<span class=\"_ _1\"></span>ected d<span class=\"_ _1\"></span>rawd<span class=\"_ _1\"></span>own of<span class=\"_ _1\"></span> the r<span class=\"_ _1\"></span>emaini<span class=\"_ _1\"></span>ng li<span class=\"_ _1\"></span>mit b<span class=\"_ _1\"></span>y the t<span class=\"_ _1\"></span>ime </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs354\">of def<span class=\"_ _0\"></span>ault. These<span class=\"_ _0\"></span> assumptions var<span class=\"_ _0\"></span>y by produc<span class=\"_ _0\"></span>t type and cur<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>nt lim<span class=\"_ _0\"></span>it utili<span class=\"_ _0\"></span>sation band, base<span class=\"_ _0\"></span>d on analysi<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs355\">of the Gr<span class=\"_ _1\"></span>oup's<span class=\"_ _1\"></span> recent d<span class=\"_ _1\"></span>efau<span class=\"_ _1\"></span>lt dat<span class=\"_ _1\"></span>a.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs356\">The Los<span class=\"_ _1\"></span>s Given<span class=\"_ _1\"></span> Default<span class=\"_ _1\"></span> (\u2018L<span class=\"_ _1\"></span>GD\u2019) rep<span class=\"_ _1\"></span>resen<span class=\"_ _1\"></span>ts th<span class=\"_ _1\"></span>e Bank\u2019<span class=\"_ _1\"></span>s expect<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the ex<span class=\"_ _1\"></span>tent of l<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>s on a<span class=\"_ _1\"></span> defaul<span class=\"_ _1\"></span>ted </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs357\">expos<span class=\"_ _1\"></span>ure. H<span class=\"_ _1\"></span>ence, th<span class=\"_ _1\"></span>e LGD repres<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> expected<span class=\"_ _1\"></span> credit l<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span>es on the E<span class=\"_ _1\"></span>AD giv<span class=\"_ _1\"></span>en the ev<span class=\"_ _1\"></span>ent of defaul<span class=\"_ _1\"></span>t, tak<span class=\"_ _1\"></span>ing </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs358\">into accou<span class=\"_ _1\"></span>nt, among o<span class=\"_ _1\"></span>ther attributes,<span class=\"_ _1\"></span> the mitigating effect <span class=\"_ _1\"></span>of collateral v<span class=\"_ _1\"></span>alues at th<span class=\"_ _1\"></span>e time it is expected t<span class=\"_ _1\"></span>o </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws72 gs359\">be reali<span class=\"_ _1\"></span>sed an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e time value o<span class=\"_ _1\"></span>f money.<span class=\"_ _1\"></span> The 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>month a<span class=\"_ _1\"></span>nd lifet<span class=\"_ _1\"></span>ime LGD a<span class=\"_ _1\"></span>re deter<span class=\"_ _1\"></span>min<span class=\"_ _1\"></span>ed bas<span class=\"_ _1\"></span>ed on th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs35a\">factor<span class=\"_ _1\"></span>s which<span class=\"_ _1\"></span> impact<span class=\"_ _1\"></span> the reco<span class=\"_ _1\"></span>veri<span class=\"_ _1\"></span>es made p<span class=\"_ _1\"></span>ost d<span class=\"_ _1\"></span>efault<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs35b\">For secured p<span class=\"_ _1\"></span>roducts,<span class=\"_ _1\"></span> LGD is <span class=\"_ _1\"></span>primarily ba<span class=\"_ _1\"></span>sed on colla<span class=\"_ _1\"></span>teral <span class=\"_ _1\"></span>type and p<span class=\"_ _1\"></span>rojected collat<span class=\"_ _1\"></span>eral v<span class=\"_ _1\"></span>alues, his<span class=\"_ _1\"></span>torical </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6d gs35c\">discounts to market/<span class=\"_ _0\"></span>book values due to force<span class=\"_ _0\"></span>d sales, time to repossession and re<span class=\"_ _0\"></span>covery costs observe<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs35d\">The LGD for<span class=\"_ _1\"></span> expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> secur<span class=\"_ _1\"></span>ed by r<span class=\"_ _1\"></span>eal estat<span class=\"_ _1\"></span>e will be der<span class=\"_ _1\"></span>ived<span class=\"_ _1\"></span> from th<span class=\"_ _1\"></span>e adju<span class=\"_ _1\"></span>sted l<span class=\"_ _1\"></span>oan<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls7 wsc\">value ratio of the<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs35e\">individual f<span class=\"_ _0\"></span>acili<span class=\"_ _0\"></span>ties, and t<span class=\"_ _0\"></span>akes i<span class=\"_ _0\"></span>nto account<span class=\"_ _0\"></span> the ex<span class=\"_ _0\"></span>pecte<span class=\"_ _0\"></span>d recovery by applyi<span class=\"_ _0\"></span>ng a cost<span class=\"_ _0\"></span>s to se<span class=\"_ _0\"></span>ll hairc<span class=\"_ _0\"></span>ut and a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs35f\">marke<span class=\"_ _0\"></span>t value hai<span class=\"_ _0\"></span>rcut to<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>propert<span class=\"_ _0\"></span>y value,<span class=\"_ _0\"></span> and by<span class=\"_ _0\"></span> disco<span class=\"_ _0\"></span>unting (<span class=\"_ _0\"></span>using t<span class=\"_ _0\"></span>he ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>tive i<span class=\"ls5 ws68\">nterest<span class=\"_ _1\"></span> rate) th<span class=\"_ _1\"></span>e </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs360\">upd<span class=\"_ _1\"></span>ated ma<span class=\"_ _1\"></span>rket va<span class=\"_ _1\"></span>lue of th<span class=\"_ _1\"></span>e p<span class=\"_ _1\"></span>roper<span class=\"_ _1\"></span>ty after<span class=\"_ _1\"></span> haircu<span class=\"_ _1\"></span>ts,<span class=\"_ _1\"></span> over a <span class=\"_ _1\"></span>perio<span class=\"_ _1\"></span>d of ti<span class=\"_ _1\"></span>me equ<span class=\"_ _1\"></span>ival<span class=\"_ _1\"></span>ent to t<span class=\"_ _1\"></span>he p<span class=\"_ _1\"></span>erceiv<span class=\"_ _1\"></span>ed tim<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs361\">to sel<span class=\"_ _1\"></span>l. The LGD fo<span class=\"_ _1\"></span>r other<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ures i<span class=\"_ _1\"></span>s based on t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span>\u2019s percei<span class=\"_ _1\"></span>ved ris<span class=\"_ _1\"></span>k on th<span class=\"_ _1\"></span>e collatera<span class=\"_ _1\"></span>l. For u<span class=\"_ _1\"></span>nsecu<span class=\"_ _1\"></span>red </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lsa ws88 gs362\">products, LGDs are ty<span class=\"ls6 ws1f\">p<span class=\"_ _1\"></span>ically set at prod<span class=\"_ _1\"></span>uct level due to<span class=\"_ _1\"></span> the limited d<span class=\"_ _1\"></span>ifferentiat<span class=\"_ _1\"></span>ion of rec<span class=\"_ _1\"></span>overies achi<span class=\"_ _1\"></span>eved </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs363\">acros<span class=\"_ _1\"></span>s differ<span class=\"_ _1\"></span>ent bo<span class=\"_ _1\"></span>rrowers<span class=\"_ _1\"></span>. Thes<span class=\"_ _1\"></span>e LGDs a<span class=\"_ _1\"></span>re influ<span class=\"_ _1\"></span>enced<span class=\"_ _1\"></span> by col<span class=\"_ _1\"></span>lection<span class=\"_ _1\"></span> stra<span class=\"_ _1\"></span>tegies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs364\">The ECL i<span class=\"_ _1\"></span>s mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> from t<span class=\"_ _1\"></span>he in<span class=\"_ _1\"></span>itial r<span class=\"_ _1\"></span>ecogn<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of the <span class=\"_ _1\"></span>fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>et. The maxi<span class=\"_ _1\"></span>mum p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs365\">when mea<span class=\"_ _1\"></span>surin<span class=\"_ _1\"></span>g ECL (b<span class=\"_ _1\"></span>e it 12<span class=\"ls1 ws1\">-</span>month<span class=\"_ _1\"></span> or lifeti<span class=\"_ _1\"></span>me ECL<span class=\"_ _1\"></span>) is the max<span class=\"_ _1\"></span>imum co<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>ctual p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>ver whi<span class=\"_ _1\"></span>ch the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs366\">Group is e<span class=\"_ _0\"></span>xposed to<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit ris<span class=\"_ _0\"></span>k. With r<span class=\"_ _0\"></span>espect<span class=\"_ _0\"></span> to non<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">revolving credit facilities,<span class=\"_ _1\"></span> the contract<span class=\"_ _1\"></span>ual life of the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs367\">facility is co<span class=\"_ _1\"></span>nsidered. In the case of revo<span class=\"_ _1\"></span>lving credit facilit<span class=\"_ _1\"></span>ies, provi<span class=\"_ _1\"></span>ded that such facilities do<span class=\"_ _1\"></span> not have a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs368\">fixed ter<span class=\"_ _1\"></span>m or rep<span class=\"_ _1\"></span>aymen<span class=\"_ _1\"></span>t stru<span class=\"_ _1\"></span>cture,<span class=\"_ _1\"></span> the Gro<span class=\"_ _1\"></span>up defi<span class=\"_ _1\"></span>nes th<span class=\"_ _1\"></span>e lifetim<span class=\"_ _1\"></span>e of suc<span class=\"_ _1\"></span>h expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> as<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">12 months, in cas<span class=\"_ _1\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs369\">the next<span class=\"_ _0\"></span> substantive c<span class=\"_ _0\"></span>redit r<span class=\"_ _0\"></span>eview<span class=\"_ _0\"></span> is wi<span class=\"_ _0\"></span>thin the ne<span class=\"_ _0\"></span>xt 12 months. For<span class=\"_ _0\"></span> the cre<span class=\"_ _0\"></span>dit car<span class=\"_ _0\"></span>ds portfol<span class=\"_ _0\"></span>io, the G<span class=\"_ _0\"></span>roup </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs36a\">also ap<span class=\"_ _1\"></span>plies a lifetime of 12 m<span class=\"_ _1\"></span>onths.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lsa ws24 gs36c\">Forward<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">looking <span class=\"_ _1\"></span>economic inf<span class=\"_ _1\"></span>ormation is<span class=\"_ _1\"></span> also inclu<span class=\"_ _1\"></span>ded in determ<span class=\"_ _1\"></span>ining the 12<span class=\"_ _1\"></span></span>-<span class=\"ls8 ws3c\">month and l<span class=\"_ _0\"></span>ifet<span class=\"_ _0\"></span>ime PD and </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsa0 gs36d\">LGD. Refer to note 2.3.4<span class=\"_ _0\"></span>.4 for an explanation of forward<span class=\"ls1 ws1\">-<span class=\"ls6 ws55\">looking informat<span class=\"_ _1\"></span>ion and it<span class=\"_ _1\"></span>s inclu<span class=\"_ _1\"></span>sion in E<span class=\"_ _1\"></span>CL </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs36e\">calculation<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs36f\">The assum<span class=\"_ _0\"></span>ptions underl<span class=\"_ _0\"></span>ying t<span class=\"_ _0\"></span>he ECL c<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>ions are m<span class=\"_ _0\"></span>onitore<span class=\"_ _0\"></span>d and revi<span class=\"_ _0\"></span>ewe<span class=\"_ _0\"></span>d on a reg<span class=\"_ _0\"></span>ular basis. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws3d gs370\">For indiv<span class=\"_ _1\"></span>idually s<span class=\"_ _1\"></span>ignificant credit i<span class=\"_ _1\"></span>mpaired loans<span class=\"_ _1\"></span>, management<span class=\"_ _1\"></span> determines th<span class=\"_ _1\"></span>e size o<span class=\"_ _1\"></span>f the allowanc<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs371\">requi<span class=\"_ _1\"></span>red bas<span class=\"_ _1\"></span>ed on a r<span class=\"_ _1\"></span>ange of fact<span class=\"_ _1\"></span>ors s<span class=\"_ _1\"></span>uch as th<span class=\"_ _1\"></span>e realisa<span class=\"_ _1\"></span>ble value o<span class=\"_ _1\"></span>f securi<span class=\"_ _1\"></span>ty, the v<span class=\"_ _1\"></span>iabil<span class=\"_ _1\"></span>ity of the cus<span class=\"_ _1\"></span>tomer\u2019<span class=\"_ _1\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws62 gs372\">business mode<span class=\"_ _0\"></span>l and the c<span class=\"_ _0\"></span>apac<span class=\"_ _0\"></span>ity to ge<span class=\"_ _0\"></span>nerate<span class=\"_ _0\"></span> cash fl<span class=\"_ _0\"></span>ow to servic<span class=\"_ _0\"></span>e debt obl<span class=\"_ _0\"></span>igatio<span class=\"_ _0\"></span>ns, under<span class=\"_ _0\"></span> diffe<span class=\"_ _0\"></span>rent </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs373\">scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> Jud<span class=\"_ _1\"></span>gement is<span class=\"_ _1\"></span> applied<span class=\"_ _1\"></span> in esti<span class=\"_ _1\"></span>mating<span class=\"_ _1\"></span> the expe<span class=\"_ _1\"></span>cted<span class=\"_ _1\"></span> futu<span class=\"_ _1\"></span>re cash<span class=\"_ _1\"></span> flows fro<span class=\"_ _1\"></span>m each<span class=\"_ _1\"></span> borro<span class=\"_ _1\"></span>wer and<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs374\">time to r<span class=\"_ _1\"></span>ecover t<span class=\"_ _1\"></span>hese cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span> und<span class=\"_ _1\"></span>er the differen<span class=\"_ _1\"></span>t scen<span class=\"_ _1\"></span>ari<span class=\"_ _1\"></span>os as well<span class=\"_ _1\"></span> as to at<span class=\"_ _1\"></span>tach prob<span class=\"_ _1\"></span>abilit<span class=\"_ _1\"></span>ies <span class=\"ls9 ws12b\">to those </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws66 gs375\">scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> The ass<span class=\"_ _1\"></span>umpt<span class=\"_ _1\"></span>ions arou<span class=\"_ _1\"></span>nd for<span class=\"_ _1\"></span>ecasted<span class=\"_ _1\"></span> recover<span class=\"_ _1\"></span>ies fr<span class=\"_ _1\"></span>om the s<span class=\"_ _1\"></span>ale of co<span class=\"_ _1\"></span>llatera<span class=\"_ _1\"></span>lised p<span class=\"_ _1\"></span>roper<span class=\"_ _1\"></span>ties, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs376\">including<span class=\"_ _0\"></span> around valuati<span class=\"_ _0\"></span>on hair<span class=\"_ _0\"></span>cuts and tim<span class=\"_ _0\"></span>e to reco<span class=\"_ _0\"></span>very, are ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s in the estim<span class=\"_ _0\"></span>ation of cre<span class=\"_ _0\"></span>dit loss </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs377\">allowances in<span class=\"_ _1\"></span> respect of individ<span class=\"_ _1\"></span>ually asses<span class=\"_ _1\"></span>sed loans. The economic cond<span class=\"_ _1\"></span>itions with<span class=\"_ _1\"></span>in the local prop<span class=\"_ _1\"></span>erty </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs378\">marke<span class=\"_ _0\"></span>t, driven by t<span class=\"_ _0\"></span>he curr<span class=\"_ _0\"></span>ent mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-<span class=\"ls5 ws68\">economi<span class=\"_ _1\"></span>c enviro<span class=\"_ _1\"></span>nment,<span class=\"_ _1\"></span> increa<span class=\"_ _1\"></span>ses th<span class=\"_ _1\"></span>e level o<span class=\"_ _1\"></span>f expert<span class=\"_ _1\"></span> judg<span class=\"_ _1\"></span>ement </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs379\">require<span class=\"_ _0\"></span>d to predi<span class=\"_ _0\"></span>ct wi<span class=\"_ _0\"></span>th reasonabl<span class=\"_ _0\"></span>e acc<span class=\"_ _0\"></span>uracy the<span class=\"_ _0\"></span> recove<span class=\"_ _0\"></span>rabili<span class=\"_ _0\"></span>ty of ex<span class=\"_ _0\"></span>posures throug<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span> sale <span class=\"ls6 ws1d\">of collateral. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs37a\">To refl<span class=\"_ _1\"></span>ect the eco<span class=\"_ _1\"></span>nomic co<span class=\"_ _1\"></span>ndi<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span>s curr<span class=\"_ _1\"></span>ently bei<span class=\"_ _1\"></span>ng experi<span class=\"_ _1\"></span>enced<span class=\"_ _1\"></span>, cons<span class=\"_ _1\"></span>ervat<span class=\"_ _1\"></span>ive ju<span class=\"_ _1\"></span>dgements<span class=\"_ _1\"></span> were app<span class=\"_ _1\"></span>lied b<span class=\"_ _1\"></span>y </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs37b\">management in<span class=\"_ _1\"></span> order to overcome limitatio<span class=\"_ _1\"></span>ns in respect of determining co<span class=\"_ _1\"></span>llateral valu<span class=\"_ _1\"></span>ations, and th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs37c\">uncertai<span class=\"_ _0\"></span>nty around<span class=\"_ _0\"></span> the tim<span class=\"_ _0\"></span>e to re<span class=\"_ _0\"></span>pos<span class=\"ls6 ws1c\">sess properties<span class=\"_ _1\"></span> held as collateral an<span class=\"_ _1\"></span>d to resell s<span class=\"_ _1\"></span>uch properties in the </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs37d\">open<span class=\"_ _1\"></span> market. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs37e\">2.3.4.4 Forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7\">looking information incor<span class=\"_ _0\"></span>porated in the ECL m<span class=\"_ _0\"></span>odel<span class=\"ls1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6e gs37f\">The calcul<span class=\"_ _0\"></span>ation of ECL incorpo<span class=\"_ _0\"></span>rates forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-</span>looking infor<span class=\"_ _0\"></span>mation. The Group per<span class=\"_ _0\"></span>forms a<span class=\"_ _0\"></span> historical analy<span class=\"_ _0\"></span>sis </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs380\">to identify t<span class=\"_ _1\"></span>he key economic va<span class=\"_ _1\"></span>riables affecting credit<span class=\"_ _1\"></span> risk and<span class=\"_ _1\"></span> expected credit loss<span class=\"_ _1\"></span>es for each po<span class=\"_ _1\"></span>rtfolio. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs381\">These econo<span class=\"_ _1\"></span>mic variables a<span class=\"_ _1\"></span>nd their as<span class=\"_ _1\"></span>socia<span class=\"ls8 wsa\">ted impact<span class=\"_ _0\"></span> on the<span class=\"_ _0\"></span> PD, EAD and L<span class=\"_ _0\"></span>GD m<span class=\"_ _0\"></span>ay vary by portf<span class=\"_ _0\"></span>olio. <span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs382\">In this res<span class=\"_ _0\"></span>pect<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup has <span class=\"_ _0\"></span><span class=\"ls6 ws8\">actually <span class=\"ws12\">identified key drivers<span class=\"_ _1\"></span> of credit risk and<span class=\"_ _1\"></span> credit losses for each port<span class=\"_ _1\"></span>folio </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs383\">of fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>rument<span class=\"_ _0\"></span>s and, using a<span class=\"_ _0\"></span>n analysi<span class=\"_ _0\"></span>s of hist<span class=\"_ _0\"></span>orical<span class=\"_ _0\"></span> data, has a<span class=\"_ _0\"></span>nalyse<span class=\"_ _0\"></span>d relati<span class=\"_ _0\"></span>onships <span class=\"_ _0\"></span>betw<span class=\"_ _0\"></span>een mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs384\">economic varia<span class=\"_ _1\"></span>bles, cred<span class=\"_ _1\"></span>it risk and<span class=\"_ _1\"></span> credit loss<span class=\"_ _1\"></span>es. The key driv<span class=\"_ _1\"></span>ers cons<span class=\"_ _1\"></span>t<span class=\"ls9 ws131\">itute Gross Domestic Product (\u2018GDP\u2019) </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs385\">at constant <span class=\"_ _0\"></span>price<span class=\"_ _0\"></span>s, unempl<span class=\"_ _0\"></span>oyment<span class=\"_ _0\"></span> rates and inf<span class=\"_ _0\"></span>lation r<span class=\"_ _0\"></span>ates.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws28 gs386\">The impa<span class=\"_ _1\"></span>ct of th<span class=\"_ _1\"></span>ese econ<span class=\"_ _1\"></span>omic v<span class=\"_ _1\"></span>ariab<span class=\"_ _1\"></span>les on th<span class=\"_ _1\"></span>e PD, EAD an<span class=\"_ _1\"></span>d LGD ha<span class=\"_ _1\"></span>s been det<span class=\"_ _1\"></span>ermined b<span class=\"_ _1\"></span>y performi<span class=\"_ _1\"></span>ng </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs387\">statis<span class=\"_ _1\"></span>tical regression<span class=\"_ _1\"></span> analysi<span class=\"_ _1\"></span>s to understa<span class=\"_ _1\"></span>nd the impact<span class=\"_ _1\"></span> changes in t<span class=\"_ _1\"></span>hese variab<span class=\"_ _1\"></span>les have h<span class=\"_ _1\"></span>ad his<span class=\"_ _1\"></span>torically on<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs388\">default<span class=\"_ _0\"></span> rates and on t<span class=\"_ _0\"></span>he com<span class=\"_ _0\"></span>ponents of L<span class=\"_ _0\"></span>GD and EAD<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs389\">Three<span class=\"_ _0\"></span> possible<span class=\"_ _0\"></span> scenari<span class=\"_ _0\"></span>os are consider<span class=\"_ _0\"></span>ed to ca<span class=\"_ _0\"></span>pture non<span class=\"ls1 ws1\">-<span class=\"ls6 ws39\">linearity acros<span class=\"_ _1\"></span>s credit por<span class=\"_ _1\"></span>tfolios. The \u2018ba<span class=\"_ _1\"></span>se line\u2019 </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws66 gs38a\">scena<span class=\"_ _1\"></span>rio rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s the mo<span class=\"_ _1\"></span>st<span class=\"ls1 ws1\">-<span class=\"ls6 ws64\">likely ou<span class=\"_ _1\"></span>tcome. It is bas<span class=\"_ _1\"></span>ed on aut<span class=\"_ _1\"></span>horitative sou<span class=\"_ _1\"></span>rces forecasting thes<span class=\"_ _1\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs38b\">econo<span class=\"_ _1\"></span>mic vari<span class=\"_ _1\"></span>ables<span class=\"_ _1\"></span> referred<span class=\"_ _1\"></span> to ab<span class=\"_ _1\"></span>ove and pr<span class=\"_ _1\"></span>ovid<span class=\"_ _1\"></span>ing the best<span class=\"_ _1\"></span> estimat<span class=\"_ _1\"></span>e view of t<span class=\"_ _1\"></span>he econo<span class=\"_ _1\"></span>my. Apa<span class=\"_ _1\"></span>rt from </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs38c\">the \u2018base l<span class=\"_ _0\"></span>ine\u2019 sce<span class=\"_ _0\"></span>nario, t<span class=\"_ _0\"></span>he Group consider<span class=\"_ _0\"></span>s two othe<span class=\"_ _0\"></span>r macro<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">economic scena<span class=\"_ _1\"></span>rios </span>\u2013 </span>Upside and Downside<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs38d\">scenarios<span class=\"_ _1\"></span> <span class=\"_ _11\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"_ _0\"></span><span class=\"ls6 ws2e\">which resp<span class=\"_ _1\"></span>ectively repres<span class=\"_ _1\"></span>ent a more<span class=\"_ _1\"></span> optimistic a<span class=\"_ _1\"></span>nd a mo<span class=\"_ _1\"></span>re pessimis<span class=\"_ _1\"></span>tic outcom<span class=\"_ _1\"></span>e. Such scena<span class=\"ws8\">rios<span class=\"_ _1\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs38e\">reflect<span class=\"_ _1\"></span> the cur<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span> top a<span class=\"_ _1\"></span>nd emerg<span class=\"_ _1\"></span>ent ri<span class=\"_ _1\"></span>sks a<span class=\"_ _1\"></span>nd op<span class=\"_ _1\"></span>port<span class=\"_ _1\"></span>unities. Th<span class=\"_ _1\"></span>e more o<span class=\"_ _1\"></span>pti<span class=\"_ _1\"></span>mistic a<span class=\"_ _1\"></span>nd mo<span class=\"_ _1\"></span>re pess<span class=\"_ _1\"></span>imisti<span class=\"_ _1\"></span>c </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs38f\">scena<span class=\"_ _1\"></span>rios a<span class=\"_ _1\"></span>re econo<span class=\"_ _1\"></span>mical<span class=\"_ _1\"></span>ly pl<span class=\"_ _1\"></span>aus<span class=\"_ _1\"></span>ible, a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e more pes<span class=\"_ _1\"></span>simi<span class=\"_ _1\"></span>stic s<span class=\"_ _1\"></span>cenari<span class=\"_ _1\"></span>o will no<span class=\"_ _1\"></span>t nec<span class=\"_ _1\"></span>essa<span class=\"_ _1\"></span>rily b<span class=\"_ _1\"></span>e as sev<span class=\"_ _1\"></span>ere as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws2c gs390\">scena<span class=\"_ _0\"></span>rios use<span class=\"_ _0\"></span>d in <span class=\"_ _0\"></span>stress t<span class=\"_ _0\"></span>esti<span class=\"_ _0\"></span>ng.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs391\">Modelling of th<span class=\"_ _1\"></span>e economic scen<span class=\"_ _1\"></span>arios, i.e. th<span class=\"_ _1\"></span>e forecast valu<span class=\"_ _1\"></span>es of economic varia<span class=\"_ _1\"></span>bles for optimis<span class=\"_ _1\"></span>tic and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs392\">pess<span class=\"_ _1\"></span>imisti<span class=\"_ _1\"></span>c scena<span class=\"_ _1\"></span>rios,<span class=\"_ _1\"></span> is perfor<span class=\"_ _1\"></span>med on t<span class=\"_ _1\"></span>he bas<span class=\"_ _1\"></span>is of the his<span class=\"_ _1\"></span>torical<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>es and an<span class=\"_ _1\"></span>nual fo<span class=\"_ _1\"></span>recast<span class=\"_ _1\"></span> values fo<span class=\"_ _1\"></span>r the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs393\">base scena<span class=\"_ _0\"></span>rio, mai<span class=\"_ _0\"></span>nly based o<span class=\"_ _0\"></span>n the publi<span class=\"_ _0\"></span>shed<span class=\"ls1 ws1\"> <span class=\"ls1c ws2d\">three<span class=\"_ _1\"></span></span>-<span class=\"ls7\">year forecast of<span class=\"_ _0\"></span> the Central B<span class=\"_ _0\"></span>ank of Malta.<span class=\"ls1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws73 gs394\">The pes<span class=\"_ _1\"></span>simis<span class=\"_ _1\"></span>tic and<span class=\"_ _1\"></span> opti<span class=\"_ _1\"></span>mist<span class=\"_ _1\"></span>ic scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> are de<span class=\"_ _1\"></span>emed to<span class=\"_ _1\"></span> rep<span class=\"_ _1\"></span>resent ma<span class=\"_ _1\"></span>nag<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>'s bes<span class=\"_ _1\"></span>t forec<span class=\"_ _1\"></span>ast o<span class=\"_ _1\"></span>f an </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs395\">econom<span class=\"_ _0\"></span>ically plausibl<span class=\"_ _0\"></span>e upside<span class=\"_ _0\"></span> and dow<span class=\"_ _0\"></span>nside sce<span class=\"_ _0\"></span>nario.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs396\">Each scenar<span class=\"_ _0\"></span>io is w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted by a<span class=\"_ _0\"></span> probabili<span class=\"_ _0\"></span>ty of occ<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>e, det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned by a com<span class=\"_ _0\"></span>bination of<span class=\"_ _0\"></span> m<span class=\"_ _0\"></span>acro<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">economi<span class=\"_ _1\"></span>c </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs397\">resear<span class=\"_ _0\"></span>ch and expe<span class=\"_ _0\"></span>rt cr<span class=\"_ _0\"></span>edit judgme<span class=\"_ _0\"></span>nt, taking<span class=\"_ _0\"></span> into acc<span class=\"_ _0\"></span>ount the<span class=\"_ _0\"></span> range<span class=\"_ _0\"></span> of possible<span class=\"_ _0\"></span> outcom<span class=\"_ _0\"></span>es eac<span class=\"_ _0\"></span>h chosen </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs398\">scena<span class=\"_ _1\"></span>rio rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s. Th<span class=\"_ _1\"></span>e Gro<span class=\"_ _1\"></span>up mea<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> ECL as<span class=\"_ _1\"></span> eith<span class=\"_ _1\"></span>e<span class=\"ls6 ws23\">r a p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> weighted 12<span class=\"ls1 ws1\">-<span class=\"lsd ws6c\">mo<span class=\"_ _1\"></span>nth ECL (St<span class=\"_ _1\"></span>age 1<span class=\"_ _1\"></span>), or </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs399\">a proba<span class=\"_ _1\"></span>bility weighted lifetim<span class=\"_ _1\"></span>e ECL (Stages 2 and<span class=\"_ _1\"></span> 3). These proba<span class=\"_ _1\"></span>bility<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">weight<span class=\"_ _1\"></span>ed ECLs<span class=\"_ _1\"></span> are det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>ed by </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs39a\">running ea<span class=\"_ _0\"></span>ch scenar<span class=\"_ _0\"></span>io throug<span class=\"_ _0\"></span>h the r<span class=\"_ _0\"></span>ele<span class=\"_ _0\"></span>vant ECL mode<span class=\"_ _0\"></span>l and mul<span class=\"_ _0\"></span>tiplying<span class=\"_ _0\"></span> the outc<span class=\"_ _0\"></span>ome by the<span class=\"_ _0\"></span> appropria<span class=\"_ _0\"></span>te </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs39b\">scenari<span class=\"_ _0\"></span>o wei<span class=\"_ _0\"></span>ghting (<span class=\"_ _0\"></span>as opposed to w<span class=\"_ _0\"></span>eighti<span class=\"_ _0\"></span>ng the i<span class=\"_ _0\"></span>nputs).<span class=\"_ _bc\"> </span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs39d\">As with<span class=\"_ _1\"></span> any macr<span class=\"_ _1\"></span>o<span class=\"ls1 ws1\">-<span class=\"ls7 wsf\">economic forecasts, the <span class=\"_ _0\"></span>projections a<span class=\"_ _0\"></span>nd likelihood of occ<span class=\"_ _0\"></span>urrence <span class=\"_ _0\"></span>are subject to<span class=\"_ _0\"></span> an </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs39e\">elevat<span class=\"_ _1\"></span>ed de<span class=\"_ _1\"></span>gree of u<span class=\"_ _1\"></span>ncer<span class=\"_ _1\"></span>taint<span class=\"_ _1\"></span>y and<span class=\"_ _1\"></span> therefo<span class=\"_ _1\"></span>re, th<span class=\"_ _1\"></span>e actu<span class=\"_ _1\"></span>al ou<span class=\"_ _1\"></span>tcomes<span class=\"_ _1\"></span> may<span class=\"_ _1\"></span> be sign<span class=\"_ _1\"></span>ifica<span class=\"_ _1\"></span>ntly d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>t to t<span class=\"_ _1\"></span>hose<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs39f\">proj<span class=\"_ _1\"></span>ected. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6d gs3a0\">Local economi<span class=\"_ _0\"></span>c growth m<span class=\"_ _0\"></span>oderated, as Malta move<span class=\"_ _0\"></span>s further<span class=\"_ _0\"></span> away from the<span class=\"_ _0\"></span> post<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">pandemi<span class=\"_ _1\"></span>c recover<span class=\"_ _1\"></span>y, in a<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs3a1\">context of a w<span class=\"_ _1\"></span>eakening globa<span class=\"_ _1\"></span>l outlo<span class=\"_ _1\"></span>ok, charact<span class=\"_ _1\"></span>erised by trade po<span class=\"_ _1\"></span>licy uncertain<span class=\"_ _1\"></span>ty and geop<span class=\"_ _1\"></span>olitical tens<span class=\"_ _1\"></span>ions. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs3a2\">The Central Bank o<span class=\"_ _1\"></span>f Malta forecasts<span class=\"_ _1\"></span> that Malta\u2019s real GDP growth<span class=\"_ _1\"></span> will moderate from 6.8<span class=\"_ _1\"></span>% in 2024 to 3.7% </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws3d gs3a3\">in 2025 and re<span class=\"_ _1\"></span>main at 3.7<span class=\"_ _1\"></span>% in bo<span class=\"_ _1\"></span>th 2026 and 202<span class=\"_ _1\"></span>7. <span class=\"ls8 ws86\">This trend is also<span class=\"_ _0\"></span> confir<span class=\"_ _0\"></span>med by the Europe<span class=\"_ _0\"></span>an </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs3a4\">Commission,<span class=\"_ _0\"></span> which e<span class=\"_ _0\"></span>xpect<span class=\"_ _0\"></span>s it to be drive<span class=\"_ _0\"></span>n mainly by r<span class=\"_ _0\"></span>obust pri<span class=\"_ _0\"></span>vate and publi<span class=\"_ _0\"></span>c consump<span class=\"_ _0\"></span>tion, i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs3a5\">an<span class=\"ls8 wsa\">d supporte<span class=\"_ _0\"></span>d by growt<span class=\"_ _0\"></span>h in tour<span class=\"_ _0\"></span>ism, gam<span class=\"_ _0\"></span>ing and f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> and profe<span class=\"_ _0\"></span>ssional ser<span class=\"_ _0\"></span>vices. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs3a6\">Employme<span class=\"_ _0\"></span>nt growth i<span class=\"_ _0\"></span>s expected to m<span class=\"_ _0\"></span>oderate, a<span class=\"_ _0\"></span>s econom<span class=\"_ _0\"></span>ic growt<span class=\"_ _0\"></span>h eases and producti<span class=\"_ _0\"></span>vity g<span class=\"_ _0\"></span>ains ground. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs3a7\">This is cou<span class=\"_ _1\"></span>pled with the introdu<span class=\"_ _1\"></span>ction of policies<span class=\"_ _1\"></span> aimed at limiting inward migra<span class=\"_ _1\"></span>tion. The u<span class=\"_ _1\"></span>nemployment<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs3a8\">rate is expected t<span class=\"_ _1\"></span>o edge down to 2.8% by 2027, remainin<span class=\"_ _1\"></span>g below its natural<span class=\"_ _1\"></span> rate of 3.1%. This negative </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs3a9\">unemployment g<span class=\"_ _0\"></span>ap is expected to be a key factor i<span class=\"_ _0\"></span>n wage growth outlook.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs3aa\">Being<span class=\"_ _0\"></span> a small o<span class=\"_ _0\"></span>pen eco<span class=\"_ _0\"></span>nomy, Mal<span class=\"_ _0\"></span>ta is infl<span class=\"_ _0\"></span>uence<span class=\"_ _0\"></span>d by developm<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Euro Are<span class=\"_ _0\"></span>a, EU a<span class=\"_ _0\"></span>nd the glo<span class=\"_ _0\"></span>bal </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs3ab\">market. In Eu<span class=\"_ _1\"></span>rope, rea<span class=\"_ _1\"></span>l GDP is<span class=\"_ _1\"></span> forecasted to gro<span class=\"_ _1\"></span>w by 1.<span class=\"_ _1\"></span>4% in the E<span class=\"_ _1\"></span>U in 2025 a<span class=\"_ _1\"></span>nd 2026, <span class=\"_ _1\"></span>edging up<span class=\"_ _1\"></span> to 1.5%<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs3ac\">in 2027. The <span class=\"_ _1\"></span>euro area is exp<span class=\"_ _1\"></span>ected fo<span class=\"_ _1\"></span>llow a similar t<span class=\"_ _1\"></span>rajector<span class=\"_ _1\"></span>y, with real G<span class=\"_ _1\"></span>DP growing b<span class=\"_ _1\"></span>y 1.3% in 20<span class=\"_ _1\"></span>25, 1.2% </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs3ad\">in 2026, and<span class=\"_ _1\"></span> by 1.4% in 2027<span class=\"_ _1\"></span>.Growth is su<span class=\"_ _1\"></span>pported b<span class=\"_ _1\"></span>y a resilient labou<span class=\"_ _1\"></span>r market, decrea<span class=\"_ _1\"></span>sing inflatio<span class=\"_ _1\"></span>n and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs3ae\">favourable<span class=\"_ _0\"></span> financ<span class=\"_ _0\"></span>ing condi<span class=\"_ _0\"></span>tions. The<span class=\"_ _0\"></span> Com<span class=\"_ _0\"></span>mission se<span class=\"_ _0\"></span>es these<span class=\"_ _0\"></span> as \u201ckey con<span class=\"_ _0\"></span>ditio<span class=\"_ _0\"></span>ns\u201d for<span class=\"_ _0\"></span> continue<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">economic </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3af\">growth,<span class=\"_ _0\"></span> despite<span class=\"_ _0\"></span> the chall<span class=\"_ _0\"></span>enging e<span class=\"_ _0\"></span>xterna<span class=\"_ _0\"></span>l environm<span class=\"_ _0\"></span>ent and unc<span class=\"_ _0\"></span>ertai<span class=\"_ _0\"></span>nty. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs3b0\">Euro area i<span class=\"_ _1\"></span>nflation is expecte<span class=\"_ _1\"></span>d to slow from 2.4% in 202<span class=\"_ _1\"></span>4 to 2.1% in 2025 and t<span class=\"_ _1\"></span>hen remain broa<span class=\"_ _1\"></span>dly stable </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs3b1\">at 1.9% in 2026 and<span class=\"_ _1\"></span> 2.0% in 2027. Consequent<span class=\"_ _1\"></span>ly, the ECB has kep<span class=\"_ _1\"></span>t its interest rat<span class=\"_ _1\"></span>es on the deposit facility, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs3b2\">the mai<span class=\"_ _0\"></span>n refinanc<span class=\"_ _0\"></span>ing oper<span class=\"_ _0\"></span>ations and the ma<span class=\"ls6 ws19\">rginal lending facility u<span class=\"_ _1\"></span>nchanged at<span class=\"_ _1\"></span> 2.00%, 2.<span class=\"_ _1\"></span>15% and 2.40%<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs3b3\">respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs3b4\">Further<span class=\"_ _0\"></span>more<span class=\"_ _0\"></span>, the EU and U<span class=\"_ _0\"></span>S signe<span class=\"_ _0\"></span>d a joint ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>ment on r<span class=\"_ _0\"></span>eciproca<span class=\"_ _0\"></span>l, fair<span class=\"_ _0\"></span> and balance<span class=\"_ _0\"></span>d trad<span class=\"_ _0\"></span>e, establ<span class=\"_ _0\"></span>ishing a<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws72 gs3b5\">15% head<span class=\"_ _1\"></span>line ta<span class=\"_ _1\"></span>riff in Au<span class=\"_ _1\"></span>gust<span class=\"_ _1\"></span>. Than<span class=\"_ _1\"></span>ks to a nu<span class=\"_ _1\"></span>mber of ca<span class=\"_ _1\"></span>rveouts<span class=\"_ _1\"></span>, the j<span class=\"_ _1\"></span>oint agreemen<span class=\"_ _1\"></span>t pla<span class=\"_ _1\"></span>ces th<span class=\"_ _1\"></span>e EU at a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs3b6\">competitive<span class=\"_ _0\"></span> advantage compared to other tradin<span class=\"lsa ws44\">g partners<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws82 gs3b7\">On a more global sc<span class=\"_ _0\"></span>ale, the<span class=\"_ _0\"></span> IMF\u2019s G<span class=\"_ _0\"></span>lobal Economic Outloo<span class=\"_ _0\"></span>k projects gl<span class=\"_ _0\"></span>obal grow<span class=\"_ _0\"></span>th to sl<span class=\"_ _0\"></span>ow from 3<span class=\"_ _0\"></span>.6% in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs3b8\">2024 to 2.6% in<span class=\"_ _1\"></span> 2025. The IMF s<span class=\"_ _1\"></span>ees risks t<span class=\"_ _1\"></span>o the outlook remain<span class=\"_ _1\"></span>ing tilted to th<span class=\"_ _1\"></span>e downside d<span class=\"_ _1\"></span>ue to further </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws90 gs3b9\">escalation of prote<span class=\"_ _0\"></span>ctionist measure<span class=\"_ _0\"></span>s and larger<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">th</span></span><span class=\"ws4e\">an<span class=\"ls1 ws1\">-<span class=\"ls8 ws5c\">ex<span class=\"_ _0\"></span>pected shock<span class=\"_ _0\"></span>s to labour<span class=\"_ _0\"></span> suppl<span class=\"_ _0\"></span>y f<span class=\"_ _0\"></span>rom re<span class=\"_ _0\"></span>stricti<span class=\"_ _0\"></span>ve </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs3ba\">immigration<span class=\"_ _1\"></span> policies. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs3bb\">The macr<span class=\"_ _0\"></span>oeconomi<span class=\"_ _0\"></span>c streng<span class=\"_ _0\"></span>th observed in re<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span> years lar<span class=\"_ _0\"></span>gely refl<span class=\"_ _0\"></span>ects cont<span class=\"_ _0\"></span>inued post<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">pandemi<span class=\"_ _1\"></span>c recov<span class=\"_ _1\"></span>ery<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws58 gs3bc\">dynamics and base<span class=\"_ _0\"></span> eff<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s, resulting i<span class=\"_ _0\"></span>n observations t<span class=\"_ _0\"></span>hat are<span class=\"_ _0\"></span> not ful<span class=\"_ _0\"></span>ly repre<span class=\"_ _0\"></span>sentati<span class=\"_ _0\"></span>ve of longer<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws55 gs3bd\">economic cond<span class=\"_ _1\"></span>itions. Thes<span class=\"_ _1\"></span>e atypica<span class=\"_ _1\"></span>l data poi<span class=\"_ _1\"></span>nts fall<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls8 ws67\">outside<span class=\"_ _0\"></span> the histor<span class=\"_ _0\"></span>ical ra<span class=\"_ _0\"></span>nges used f<span class=\"_ _0\"></span>or ECL m<span class=\"_ _0\"></span>odel </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs3be\">calibratio<span class=\"_ _1\"></span>n and may introdu<span class=\"_ _1\"></span>ce distortions in time<span class=\"ls1 ws1\">-</span>series<span class=\"_ _1\"></span> behaviour, with<span class=\"_ _1\"></span> potential implicatio<span class=\"_ _1\"></span>ns for model </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3bf\">perfor<span class=\"_ _0\"></span>mance and pro<span class=\"_ _0\"></span>jecti<span class=\"_ _0\"></span>ons.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3c0\">In this reg<span class=\"_ _0\"></span>ard, a<span class=\"_ _0\"></span> very im<span class=\"_ _0\"></span>porta<span class=\"_ _0\"></span>nt judgem<span class=\"_ _0\"></span>ent w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Bank\u2019s esti<span class=\"_ _0\"></span>mation of<span class=\"_ _0\"></span> ECL all<span class=\"_ _0\"></span>owance<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span>s to be<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws68 gs3c1\">the det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of fo<span class=\"_ _1\"></span>rward<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws55\">looking scena<span class=\"_ _1\"></span>rios reflectin<span class=\"_ _1\"></span>g potent<span class=\"_ _1\"></span>ial future eco<span class=\"_ _1\"></span>nomic c<span class=\"_ _1\"></span>ondition<span class=\"_ _1\"></span>s under </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3c2\">diffe<span class=\"_ _0\"></span>rent scena<span class=\"_ _0\"></span>rios and thei<span class=\"_ _0\"></span>r impac<span class=\"_ _0\"></span>t on PDs and L<span class=\"ls5 ws7\">GDs.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs3c4\">The most sign<span class=\"_ _1\"></span>ificant period<span class=\"ls1 ws1\">-</span>e<span class=\"_ _1\"></span>nd assumpt<span class=\"_ _1\"></span>ions used for the ECL estimate a<span class=\"_ _1\"></span>s at 31 December 2025 an<span class=\"_ _1\"></span>d 2024 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs3c5\">are set<span class=\"_ _1\"></span> out b<span class=\"_ _1\"></span>elow. The \u2018<span class=\"_ _1\"></span>base\u2019<span class=\"_ _1\"></span>, \u2018up<span class=\"_ _1\"></span>side\u2019<span class=\"_ _1\"></span> and \u2018d<span class=\"_ _1\"></span>ownsi<span class=\"_ _1\"></span>de\u2019 scena<span class=\"_ _1\"></span>rios wer<span class=\"_ _1\"></span>e used<span class=\"_ _1\"></span> for all p<span class=\"_ _1\"></span>ortfol<span class=\"_ _1\"></span>ios<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs3c6\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs3c7\">The \u2018B<span class=\"_ _0\"></span>ase\u2019 Sc<span class=\"_ _0\"></span>enario <span class=\"_ _0\"></span>captures busi<span class=\"_ _0\"></span>ness<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">as</span>-<span class=\"ls7 wsa1\">usual<span class=\"_ _0\"></span> macro<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">economic exp<span class=\"_ _1\"></span>ectati<span class=\"_ _1\"></span>ons,<span class=\"_ _1\"></span> whereby<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>rrent </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs3c8\">rhythm of econ<span class=\"_ _1\"></span>omic activity i<span class=\"_ _1\"></span>s maintained<span class=\"_ _1\"></span>;<span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs3c9\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs3ca\">The \u2018D<span class=\"_ _0\"></span>ownside\u2019<span class=\"_ _0\"></span> Scenar<span class=\"_ _0\"></span>io is based o<span class=\"_ _0\"></span>n a subdue<span class=\"_ _0\"></span>d leve<span class=\"_ _0\"></span>l of e<span class=\"_ _0\"></span>conomic a<span class=\"_ _0\"></span>ctivity hypot<span class=\"_ _0\"></span>hesized t<span class=\"_ _0\"></span>o cor<span class=\"_ _0\"></span>respon<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs3cb\">to prolonged period of<span class=\"_ _0\"></span> an economic c<span class=\"_ _0\"></span>ontraction;<span class=\"ls1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs3cc\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs3cd\">The \u2018U<span class=\"_ _0\"></span>pside\u2019 Sce<span class=\"_ _0\"></span>nario is bas<span class=\"_ _0\"></span>ed on the<span class=\"_ _0\"></span> assumption tha<span class=\"_ _0\"></span>t it w<span class=\"_ _0\"></span>ould be possi<span class=\"_ _0\"></span>ble to m<span class=\"_ _0\"></span>arginal<span class=\"_ _0\"></span>ly impr<span class=\"_ _0\"></span>ove </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3ce\">furthe<span class=\"_ _0\"></span>r over the<span class=\"_ _0\"></span> econom<span class=\"_ _0\"></span>ic conditions con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span>ed in the<span class=\"_ _0\"></span> \u2018Base\u2019 S<span class=\"_ _0\"></span>cenar<span class=\"_ _0\"></span>io.<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1ef h1ae\" id=\"_47ab0b00-c5cd-4b49-86fa-d66497321df9\"><tr><td></td><td></td><td class=\"c x2d6 y1e6d wca hc3\"><div class=\"t m0 xf7 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As of 31 December 2025<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x2d6 y1e6e wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2026<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e6e wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2027<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e6e wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2028 </div></td></tr><tr><td class=\"c x2d9 y1e6f wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Gross Dom<span class=\"_ _1\"></span>estic Produc<span class=\"_ _1\"></span>t, consta<span class=\"_ _1\"></span>nt prices (Y<span class=\"_ _1\"></span>oY)<span class=\"_ _1\"></span>*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e70 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e70 wa5 hc3\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e70 wbc hc3\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e70 wa5 hc3\"><div class=\"t m0 x35 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70% </div></td></tr><tr><td class=\"c x2d9 y1e71 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e71 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e71 wbc hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e71 wa5 hc3\"><div class=\"t m0 xe2 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]% </div></td></tr><tr><td class=\"c x2d9 y1e72 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls2a ws99\">Unemployment rate (Y<span class=\"_ _1\"></span>oY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e73 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e73 wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e73 wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e73 wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8% </div></td></tr><tr><td class=\"c x2d9 y1e74 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e74 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4 - 4.2]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e74 wbc hc3\"><div class=\"t m0 xe9 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4- 4.2]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e74 wa5 hc3\"><div class=\"t m0 xe2 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4\u2013 4.2]% </div></td></tr><tr><td class=\"c x2d9 y1e75 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Infl<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> (YoY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e76 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e76 wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.3%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e76 wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.1%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e76 wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.1% </div></td></tr><tr><td class=\"c x2d9 y1e77 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e77 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.9 - 3.7]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e77 wbc hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.7 - 3.5]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e77 wa5 hc3\"><div class=\"t m0 x84 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.7 \u2013 3.5]% </div></td></tr><tr><td></td><td></td><td class=\"c x2d6 y1e78 wca hd0\"><div class=\"t m0 xf7 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">As of <span class=\"ls1 ws9b\">31 December 2024</span><span class=\"ls1 ws9b\"><span class=\"ws1\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x2d6 y1e79 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e79 wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2026<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e79 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2027 </div></td></tr><tr><td class=\"c x2d9 y1e7a wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Gross Dom<span class=\"_ _1\"></span>estic Produc<span class=\"_ _1\"></span>t, consta<span class=\"_ _1\"></span>nt prices (Y<span class=\"_ _1\"></span>oY)<span class=\"_ _1\"></span>*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e7b wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7b wa5 hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7b wbc hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7b wa5 hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90% </div></td></tr><tr><td class=\"c x2d9 y1e7c wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7c wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7c wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7c wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]% </div></td></tr><tr><td class=\"c x2d9 y1e7d wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls2a ws99\">Unemployment rate (Y<span class=\"_ _1\"></span>oY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e7e wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7e wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7e wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7e wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2% </div></td></tr><tr><td class=\"c x2d9 y1e7f wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7f wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7f wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7f wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]% </div></td></tr><tr><td class=\"c x2d9 y1e80 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Infl<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> (YoY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e81 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e81 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e81 wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e81 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2% </div></td></tr><tr><td class=\"c x2d9 y1e82 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e82 wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e82 wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e82 wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]% </div></td></tr><tr><td class=\"t m0 x2da h13 y1e83 ff1 fs5 fc0 sc0 ls5e ws8a\">*YoY = year on year %<span class=\"_ _1\"></span> change<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs3d1\">The weightings<span class=\"_ _1\"></span> assigned<span class=\"_ _1\"></span> to each economic s<span class=\"_ _1\"></span>cenario wer<span class=\"_ _1\"></span>e 68% (2024: <span class=\"_ _1\"></span>68%) for the \u2018Bas<span class=\"_ _1\"></span>e\u2019 Scenario,<span class=\"_ _1\"></span> 16% </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs3d2\">(2024: 16%) for th<span class=\"_ _1\"></span>e \u2018Downs<span class=\"_ _1\"></span>ide\u2019 scenario a<span class=\"_ _1\"></span>nd 16% (2024: 1<span class=\"_ _1\"></span>6%) for the \u2018Ups<span class=\"_ _1\"></span>ide\u2019 scenario<span class=\"_ _1\"></span>. The number o<span class=\"_ _1\"></span>f </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsf gs3d3\">scenarios used is based on the analysis of e<span class=\"_ _0\"></span>ach major p<span class=\"ls8 ws36\">roduct type t<span class=\"_ _0\"></span>o ensure t<span class=\"_ _0\"></span>hat non<span class=\"ls1 ws1\">-<span class=\"ls6 ws10\">linearities ar<span class=\"_ _1\"></span>e </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2f gs3d4\">captu<span class=\"_ _1\"></span>red. Th<span class=\"_ _1\"></span>e nu<span class=\"_ _1\"></span>mber of<span class=\"_ _1\"></span> scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> their a<span class=\"_ _1\"></span>ttrib<span class=\"_ _1\"></span>utes a<span class=\"_ _1\"></span>re reass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> at each<span class=\"_ _1\"></span> rep<span class=\"_ _1\"></span>orti<span class=\"_ _1\"></span>ng dat<span class=\"_ _1\"></span>e. The </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs3d5\">economic scenar<span class=\"_ _1\"></span>ios were sim<span class=\"_ _1\"></span>ulated ov<span class=\"_ _1\"></span>er a full economic cy<span class=\"_ _1\"></span>cle.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3d6\">The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs the ma<span class=\"_ _0\"></span>cro<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">econom<span class=\"_ _1\"></span>ic for<span class=\"_ _1\"></span>ecast<span class=\"_ _1\"></span>s to rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span> its b<span class=\"_ _1\"></span>est es<span class=\"_ _1\"></span>timate o<span class=\"_ _1\"></span>f the po<span class=\"_ _1\"></span>ssib<span class=\"_ _1\"></span>le outc<span class=\"_ _1\"></span>omes </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws132 gs3d7\">after<span class=\"_ _0\"></span> analysing i<span class=\"_ _0\"></span>ts differ<span class=\"_ _0\"></span>ent portfoli<span class=\"_ _0\"></span>os to establ<span class=\"_ _0\"></span>ish that the c<span class=\"_ _0\"></span>hosen sce<span class=\"_ _0\"></span>narios are appro<span class=\"_ _0\"></span>priatel<span class=\"_ _0\"></span>y </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs3d8\">repres<span class=\"_ _1\"></span>entat<span class=\"_ _1\"></span>ive of th<span class=\"_ _1\"></span>e range o<span class=\"_ _1\"></span>f po<span class=\"_ _1\"></span>ssib<span class=\"_ _1\"></span>le scena<span class=\"_ _1\"></span>rios<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs3d9\">The Ban<span class=\"_ _1\"></span>k\u2019s weig<span class=\"_ _1\"></span>hting<span class=\"_ _1\"></span>s tak<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>o accou<span class=\"_ _1\"></span>nt th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t perfor<span class=\"_ _1\"></span>mance o<span class=\"_ _1\"></span>f the Ma<span class=\"_ _1\"></span>ltese <span class=\"_ _1\"></span>econ<span class=\"_ _1\"></span>omy ov<span class=\"_ _1\"></span>er the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5b gs3da\">forese<span class=\"_ _0\"></span>eable f<span class=\"_ _0\"></span>uture. The Bo<span class=\"_ _0\"></span>ard considers that<span class=\"_ _0\"></span> the proba<span class=\"_ _0\"></span>bilit<span class=\"_ _0\"></span>y weig<span class=\"_ _0\"></span>htings assig<span class=\"_ _0\"></span>ned to the re<span class=\"_ _0\"></span>spective </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs3db\">scenarios refl<span class=\"_ _0\"></span>ect an unbiased evaluation of r<span class=\"_ _0\"></span>ange of possible<span class=\"_ _0\"></span><span class=\"ls1\"> <span class=\"ls5 ws7\">outco<span class=\"_ _1\"></span>mes. <span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs3dc\">Based<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e abov<span class=\"_ _1\"></span>e, the <span class=\"_ _1\"></span>estima<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es as<span class=\"_ _1\"></span> of 31 De<span class=\"_ _1\"></span>cemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"_ _1\"></span> <span class=\"ls6 ws7\">and 202</span>4 <span class=\"_ _1\"></span><span class=\"ls8 ws16\">continued </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs3dd\">to req<span class=\"_ _1\"></span>uire an<span class=\"_ _1\"></span> elevated<span class=\"_ _1\"></span> level o<span class=\"_ _1\"></span>f subj<span class=\"_ _1\"></span>ectivi<span class=\"_ _1\"></span>ty and exper<span class=\"_ _1\"></span>t jud<span class=\"_ _1\"></span>gement. Des<span class=\"_ _1\"></span>pite t<span class=\"_ _1\"></span>he reco<span class=\"_ _1\"></span>very i<span class=\"_ _1\"></span>n econo<span class=\"_ _1\"></span>mic </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3de\">conditions, <span class=\"_ _0\"></span>ECL e<span class=\"_ _0\"></span>stimate<span class=\"_ _0\"></span>s remain subje<span class=\"_ _0\"></span>ct to <span class=\"_ _0\"></span>a deg<span class=\"_ _0\"></span>ree of<span class=\"_ _0\"></span> economi<span class=\"_ _0\"></span>c unce<span class=\"_ _0\"></span>rtainty. I<span class=\"_ _0\"></span>n this re<span class=\"_ _0\"></span>spect, j<span class=\"_ _0\"></span>udgem<span class=\"_ _0\"></span>ents </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs3df\">applied by<span class=\"_ _0\"></span> manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt in esti<span class=\"_ _0\"></span>mating<span class=\"_ _0\"></span> ECL<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">con<span class=\"_ _1\"></span>tinue t<span class=\"_ _1\"></span>o reflect a<span class=\"_ _1\"></span> degree of cau<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> both in<span class=\"_ _1\"></span> the determina<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws82 gs3e0\">of probability of def<span class=\"_ _0\"></span>aults for selection of economic scenarios and in terms of<span class=\"_ _0\"></span> the calibration o<span class=\"ls5 ws35\">f scen<span class=\"_ _1\"></span>ario </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs3e1\">weightings.<span class=\"_ _bc\"> </span><span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs3e3\">Other fo<span class=\"_ _1\"></span>rwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7 ws29\">looking considerations not otherwise i<span class=\"_ _0\"></span>ncorporated within the above scenarios, such as the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs3e4\">impact of any<span class=\"_ _1\"></span> regulatory,<span class=\"_ _1\"></span> legislativ<span class=\"_ _1\"></span>e, or political ch<span class=\"_ _1\"></span>anges, have als<span class=\"_ _1\"></span>o been cons<span class=\"_ _1\"></span>idered, but<span class=\"_ _1\"></span> are not deemed<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6e gs3e5\">to have a mate<span class=\"_ _0\"></span>rial impact<span class=\"_ _0\"></span> and therefore<span class=\"_ _0\"></span> no ad<span class=\"ls8 ws11\">justment has<span class=\"_ _0\"></span> be<span class=\"_ _0\"></span>en made<span class=\"_ _0\"></span> to the EC<span class=\"_ _0\"></span>L for suc<span class=\"_ _11\"></span>h factors. This i<span class=\"_ _0\"></span>s </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3e6\">revie<span class=\"_ _0\"></span>wed and moni<span class=\"_ _0\"></span>tored f<span class=\"_ _0\"></span>or appropri<span class=\"_ _0\"></span>ateness on a<span class=\"_ _0\"></span>n ongoi<span class=\"_ _0\"></span>ng basis.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs3e7\">The out<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>f the Ban<span class=\"_ _1\"></span>k\u2019s c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>ss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces esti<span class=\"_ _1\"></span>mati<span class=\"_ _1\"></span>on pro<span class=\"_ _1\"></span>cess i<span class=\"_ _1\"></span>s sens<span class=\"_ _1\"></span>itive to<span class=\"_ _1\"></span> judg<span class=\"_ _1\"></span>ements a<span class=\"_ _1\"></span>nd </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs3e8\">estima<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> made th<span class=\"_ _1\"></span>roug<span class=\"_ _1\"></span>h the refl<span class=\"_ _1\"></span>ectio<span class=\"_ _1\"></span>n of sev<span class=\"_ _1\"></span>eral for<span class=\"_ _1\"></span>ward<span class=\"ls1 ws1\">-<span class=\"ls7 ws5e\">looking economic conditions. Management has<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs3e9\">ass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> the sen<span class=\"_ _1\"></span>sitiv<span class=\"_ _1\"></span>ity of th<span class=\"_ _1\"></span>e Bank<span class=\"_ _1\"></span>\u2019s exp<span class=\"_ _1\"></span>ected cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\"> <span class=\"ls6 ws1d\">loss<span class=\"_ _1\"></span>es by as<span class=\"_ _1\"></span>signing a 100% weigh<span class=\"_ _1\"></span>ting to<span class=\"_ _1\"></span> the baselin<span class=\"_ _1\"></span>e, </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs3ea\">downside a<span class=\"_ _0\"></span>nd upside sc<span class=\"_ _0\"></span>enari<span class=\"_ _0\"></span>os re<span class=\"_ _0\"></span>spective<span class=\"_ _0\"></span>ly. The<span class=\"_ _0\"></span> Bank\u2019s c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>s would <span class=\"_ _0\"></span>decre<span class=\"_ _0\"></span>ase by \u20ac2<span class=\"_ _0\"></span>.6 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs3eb\">million (2024: \u20ac3.2 millio<span class=\"_ _1\"></span>n) if the allo<span class=\"_ _1\"></span>wances had to be calculated s<span class=\"_ _1\"></span>olely on the baseline s<span class=\"_ _1\"></span>cenario;<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls24 ws9\">ECLs </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs3ec\">would increas<span class=\"_ _1\"></span>e by \u20ac0.8 m<span class=\"_ _1\"></span>illion<span class=\"_ _1\"></span> (2024: \u20ac1.1 mil<span class=\"_ _1\"></span>lion) if th<span class=\"_ _1\"></span>ese had<span class=\"_ _1\"></span> to be estimated u<span class=\"_ _1\"></span>sing o<span class=\"_ _1\"></span>nly the do<span class=\"_ _1\"></span>wnside </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs3ed\">scenario an<span class=\"_ _1\"></span>d would redu<span class=\"_ _1\"></span>ce by \u20ac4.0 million (2024: \u20ac<span class=\"_ _1\"></span>4.6 millio<span class=\"_ _1\"></span>n) if the ups<span class=\"_ _1\"></span>ide scenario o<span class=\"_ _1\"></span>nly were to be taken </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs3ee\">into conside<span class=\"_ _0\"></span>ration.<span class=\"_ _0\"></span> This dem<span class=\"_ _0\"></span>onstrates<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls6 ws52\">the Bank\u2019s res<span class=\"_ _1\"></span>ilience in ov<span class=\"_ _1\"></span>ercoming negat<span class=\"_ _1\"></span>ive shocks<span class=\"_ _1\"></span> and its<span class=\"_ _1\"></span> ability to<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3ef\">absorb such a<span class=\"_ _0\"></span>llowanc<span class=\"_ _0\"></span>e chang<span class=\"_ _0\"></span>es, if<span class=\"_ _0\"></span> nece<span class=\"_ _0\"></span>ssary.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs3f0\">2.3.4.5 C<span class=\"_ _0\"></span>ategorisation of loans and advances to cu<span class=\"_ _0\"></span>stomers for<span class=\"_ _0\"></span> ECL measureme<span class=\"_ _0\"></span>nt<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs3f1\">As pa<span class=\"_ _1\"></span>rt of th<span class=\"_ _1\"></span>e ECL mod<span class=\"_ _1\"></span>el, th<span class=\"_ _1\"></span>e Grou<span class=\"_ _1\"></span>p clas<span class=\"_ _1\"></span>sifies<span class=\"_ _1\"></span> its exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res to l<span class=\"_ _1\"></span>oans<span class=\"_ _1\"></span> and a<span class=\"_ _1\"></span>dvances<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers i<span class=\"_ _1\"></span>nto<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs3f2\">homogeneous<span class=\"_ _1\"></span> groups with<span class=\"_ _1\"></span> similar cr<span class=\"_ _1\"></span>edit risk cha<span class=\"_ _1\"></span>racteristics th<span class=\"_ _1\"></span>at includ<span class=\"_ _1\"></span>e instrument ty<span class=\"_ _1\"></span>pe and credit ris<span class=\"_ _1\"></span>k </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3f3\">gradings.<span class=\"_ _0\"></span> In this r<span class=\"_ _0\"></span>espect<span class=\"_ _0\"></span>, the G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs the<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">following<span class=\"_ _1\"></span> catego<span class=\"_ _1\"></span>ries fo<span class=\"_ _1\"></span>r ECL <span class=\"_ _1\"></span>measur<span class=\"_ _1\"></span>ement:</span> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs3f4\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws18\">personal po<span class=\"_ _0\"></span>rtfoli<span class=\"_ _0\"></span>o, whic<span class=\"_ _0\"></span>h includes loans and a<span class=\"_ _0\"></span>dvances to i<span class=\"_ _0\"></span>ndividual<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs such as mor<span class=\"_ _0\"></span>tgage<span class=\"_ _0\"></span>s, credi<span class=\"_ _0\"></span>t </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3f5\">cards and ot<span class=\"_ _0\"></span>her co<span class=\"_ _0\"></span>nsumer c<span class=\"_ _0\"></span>redit;<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs3f6\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsb\">construct<span class=\"_ _0\"></span>ion and rea<span class=\"_ _0\"></span>l estate<span class=\"_ _0\"></span> port<span class=\"_ _0\"></span>folio, w<span class=\"_ _0\"></span>hich inc<span class=\"_ _0\"></span>ludes lo<span class=\"_ _0\"></span>ans and advance<span class=\"_ _0\"></span>s to cu<span class=\"_ _0\"></span>stomer<span class=\"_ _0\"></span>s in respe<span class=\"_ _0\"></span>ct of </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs3f7\">financi<span class=\"_ _0\"></span>ng construc<span class=\"_ _0\"></span>tion of r<span class=\"_ _0\"></span>eal e<span class=\"_ _0\"></span>state proj<span class=\"_ _0\"></span>ects f<span class=\"_ _0\"></span>or the purpo<span class=\"_ _0\"></span>se of<span class=\"_ _0\"></span> re<span class=\"ls1 ws1\">-<span class=\"ls7\">sale or re<span class=\"_ _0\"></span>ntal; and<span class=\"ls1\"> </span></span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs3f8\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws53\">corpora<span class=\"_ _0\"></span>te and com<span class=\"_ _0\"></span>mer<span class=\"_ _0\"></span>cial portf<span class=\"_ _0\"></span>olio, w<span class=\"_ _0\"></span>hich incl<span class=\"_ _0\"></span>udes loans a<span class=\"_ _0\"></span>nd advanc<span class=\"_ _0\"></span>es to b<span class=\"_ _0\"></span>usiness e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es, othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs3f9\">construction and real estate<span class=\"_ _0\"></span> rel<span class=\"_ _0\"></span>ated borrower<span class=\"_ _0\"></span>s. <span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs3fa\">2.3.5<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls5 ws6\">Maxi<span class=\"_ _1\"></span>mum exp<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>e to cred<span class=\"_ _1\"></span>it risk<span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs3fb\">An \u2018exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>re\u2019 is defin<span class=\"_ _1\"></span>ed as the a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> at risk ari<span class=\"_ _1\"></span>sing fro<span class=\"_ _1\"></span>m the Group<span class=\"_ _1\"></span>\u2019s ass<span class=\"_ _1\"></span>ets and o<span class=\"_ _1\"></span>ff<span class=\"ls1 ws1\">-</span>balan<span class=\"_ _1\"></span>ce sheet<span class=\"_ _1\"></span> items. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs3fc\">The Gro<span class=\"_ _1\"></span>up\u2019s<span class=\"_ _1\"></span> maximu<span class=\"_ _1\"></span>m cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k with<span class=\"_ _1\"></span> respec<span class=\"_ _1\"></span>t to on<span class=\"_ _1\"></span><span class=\"ls1 ws1\">- <span class=\"ls7 ws26\">and off</span>-<span class=\"ls6 ws1d\">balance sh<span class=\"_ _1\"></span>eet items ca<span class=\"_ _1\"></span>n be clas<span class=\"_ _1\"></span>sified into th<span class=\"_ _1\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs3fd\">following cat<span class=\"_ _1\"></span>egories:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs3fe\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws85\">Financial as<span class=\"_ _1\"></span>sets recognis<span class=\"_ _1\"></span>ed on</span>-<span class=\"ls6 ws85\">balance sh<span class=\"_ _1\"></span>eet comprising prin<span class=\"_ _1\"></span>cipally ba<span class=\"_ _1\"></span>lances with Centr<span class=\"_ _1\"></span>al Bank of </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs3ff\">Malta,<span class=\"ls1 ws1\">  <span class=\"ls6 ws87\">treasury bills,</span>  <span class=\"ls8 ws40\">financia<span class=\"_ _0\"></span>l investm<span class=\"_ _0\"></span>ents and loans an<span class=\"_ _0\"></span>d advance<span class=\"_ _0\"></span>s to banks and c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>ers. T<span class=\"_ _0\"></span>he </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs400\">maximu<span class=\"_ _1\"></span>m expo<span class=\"_ _1\"></span>sure t<span class=\"_ _1\"></span>o credit<span class=\"_ _1\"></span> ris<span class=\"_ _1\"></span>k of thes<span class=\"_ _1\"></span>e finan<span class=\"_ _1\"></span>cial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> equals<span class=\"_ _1\"></span> their gr<span class=\"_ _1\"></span>oss c<span class=\"_ _1\"></span>arrying a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>ts.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs401\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Docum<span class=\"_ _0\"></span>entary c<span class=\"_ _0\"></span>redits and g<span class=\"_ _0\"></span>uarantee<span class=\"_ _0\"></span> oblig<span class=\"_ _0\"></span>ations incur<span class=\"_ _0\"></span>red on beha<span class=\"_ _0\"></span>lf of<span class=\"_ _0\"></span> third parti<span class=\"_ _0\"></span>es. The<span class=\"_ _0\"></span> latter c<span class=\"_ _0\"></span>arry the<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs402\">same cr<span class=\"_ _0\"></span>edit r<span class=\"_ _0\"></span>isk as loans, whi<span class=\"_ _0\"></span>lst docum<span class=\"_ _0\"></span>entary c<span class=\"_ _0\"></span>redits ar<span class=\"_ _0\"></span>e coll<span class=\"_ _0\"></span>ateral<span class=\"_ _0\"></span>ised by the<span class=\"_ _0\"></span> underlyi<span class=\"_ _0\"></span>ng shipme<span class=\"_ _0\"></span>nts of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs403\">goods to whi<span class=\"_ _0\"></span>ch they re<span class=\"_ _0\"></span>late, and there<span class=\"_ _0\"></span>fore ca<span class=\"_ _0\"></span>rry <span class=\"ls7 wsa2\">less risk than a loan to a customer. The m<span class=\"_ _0\"></span>aximum </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs404\">exposure<span class=\"_ _0\"></span> to cre<span class=\"_ _0\"></span>dit risk is<span class=\"_ _0\"></span> the f<span class=\"_ _0\"></span>ull amo<span class=\"_ _0\"></span>unt that t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up would have<span class=\"_ _0\"></span> to pay i<span class=\"_ _0\"></span>f the<span class=\"_ _0\"></span> guarant<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>s are ca<span class=\"_ _0\"></span>lled </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs405\">upon or if doc<span class=\"_ _0\"></span>ument<span class=\"_ _0\"></span>ary cre<span class=\"_ _0\"></span>dits are e<span class=\"_ _0\"></span>xerc<span class=\"_ _0\"></span>ised.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs406\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 wse\">Loan c<span class=\"_ _1\"></span>ommitm<span class=\"_ _1\"></span>ents a<span class=\"_ _1\"></span>nd other<span class=\"_ _1\"></span> credit r<span class=\"_ _1\"></span>elated c<span class=\"_ _1\"></span>ommitm<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> that ar<span class=\"_ _1\"></span>e irrevo<span class=\"_ _1\"></span>cable ov<span class=\"_ _1\"></span>er the l<span class=\"_ _1\"></span>ife of the </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs407\">respec<span class=\"_ _1\"></span>tive faci<span class=\"_ _1\"></span>liti<span class=\"_ _1\"></span>es. The ma<span class=\"_ _1\"></span>ximu<span class=\"_ _1\"></span>m expos<span class=\"_ _1\"></span>ure to cr<span class=\"_ _1\"></span>edit ris<span class=\"_ _1\"></span>k is th<span class=\"_ _1\"></span>e full amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the commi<span class=\"_ _1\"></span>tted fac<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span>. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs408\">However<span class=\"_ _1\"></span>, the li<span class=\"_ _1\"></span>kely amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f loss is<span class=\"_ _1\"></span> less th<span class=\"_ _1\"></span>an the tota<span class=\"_ _1\"></span>l unused<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>s mos<span class=\"_ _1\"></span>t commitmen<span class=\"_ _1\"></span>ts to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs409\">extend c<span class=\"_ _0\"></span>redit<span class=\"_ _0\"></span> are co<span class=\"_ _0\"></span>ntingent upon custo<span class=\"_ _0\"></span>mers m<span class=\"_ _0\"></span>aintaini<span class=\"_ _0\"></span>ng spe<span class=\"_ _0\"></span>cifi<span class=\"_ _0\"></span>c credit sta<span class=\"_ _0\"></span>ndards. The<span class=\"_ _11\"></span>se exposures </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs40a\">are mo<span class=\"_ _0\"></span>nitored i<span class=\"_ _0\"></span>n the same<span class=\"_ _0\"></span> manner i<span class=\"_ _0\"></span>n respec<span class=\"_ _0\"></span>t of loans a<span class=\"_ _0\"></span>nd advance<span class=\"_ _0\"></span>s.<span class=\"_ _bc\"> </span></div><div class=\"gsb6\"><table class=\"s w1f0 h1af\" id=\"_5680f250-d8fa-4690-8623-0bc5523966ac\"><tr><td class=\"t m0 x2dc h3 y1e84 ff1 fs1 fc0 sc0 ls8 ws15\">The Group\u2019<span class=\"_ _0\"></span>s credit<span class=\"_ _0\"></span> risk expo<span class=\"_ _0\"></span>sures rel<span class=\"_ _0\"></span>ating to o<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls7 ws26\">balance sheet assets and off</span>-<span class=\"ls5 ws16\">balance sh<span class=\"_ _1\"></span>eet in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span>, reflectin<span class=\"_ _1\"></span>g th<span class=\"_ _1\"></span>e maxi<span class=\"_ _1\"></span>mum exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>re to cr<span class=\"_ _1\"></span>edit r<span class=\"_ _1\"></span>isk<span class=\"_ _1\"></span> before co<span class=\"_ _1\"></span>llat<span class=\"_ _1\"></span>eral held<span class=\"_ _1\"></span> or</span></span><span class=\"ls1 ws1\"><span class=\"ls5 ws16\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x2dc h3 y1e85 ff1 fs1 fc0 sc0 ls8 wsa\">other cr<span class=\"_ _0\"></span>edit e<span class=\"_ _0\"></span>nhanceme<span class=\"_ _0\"></span>nts, include<span class=\"_ _0\"></span> the f<span class=\"_ _0\"></span>ollowi<span class=\"_ _0\"></span>ng:<span class=\"ls1 ws1\"> </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 class=\"c x2dd y1e86 wcf h96\"><div class=\"t m0 x25 h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td class=\"c x2de y1e86 wd0 h96\"><div class=\"t m0 x135 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Bank </div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x2dd y1e87 wd1 h97\"><div class=\"t m0 xf4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x2df y1e87 wd2 h97\"><div class=\"t m0 xf4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td></td><td class=\"c x2de y1e87 wd3 h97\"><div class=\"t m0 xf4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x2e0 y1e87 wba h97\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2dd y1e88 w54 h9e\"><div class=\"t m0 x35 h29 y979 ff3 fs8 fc0 sc0 ls4 ws0\">Gross<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e1 y1e88 wd4 h9e\"><div class=\"t m0 xd8 h29 y979 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2df y1e88 wd5 h9e\"><div class=\"t m0 xe5 h25 y979 ff1 fs8 fc0 sc0 ls4 ws0\">Gross<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e2 y1e88 wd5 h9e\"><div class=\"t m0 xd8 h25 y979 ff1 fs8 fc0 sc0 ls1 ws1\">ECL </div></td><td class=\"c x2de y1e88 w54 h9e\"><div class=\"t m0 x35 h29 y979 ff3 fs8 fc0 sc0 ls4 ws0\">Gross<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e3 y1e88 wd5 h9e\"><div class=\"t m0 x49 h29 y979 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e0 y1e88 w54 h9e\"><div class=\"t m0 xe5 h25 y979 ff1 fs8 fc0 sc0 ls4 ws0\">Gross<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e4 y1e88 wd6 h9e\"><div class=\"t m0 x49 h25 y979 ff1 fs8 fc0 sc0 ls1 ws1\">ECL </div></td></tr><tr><td></td><td class=\"c x2dd y1e88 w54 h9e\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">exposure<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2e1 y1e88 wd4 h9e\"><div class=\"t m0 x7e h35 y3eb ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2df y1e88 wd5 h9e\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">exposure<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2e2 y1e88 wd5 h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2de y1e88 w54 h9e\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">exposure<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2e3 y1e88 wd5 h9e\"><div class=\"t m0 x7e h35 y3eb ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2e0 y1e88 w54 h9e\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">exposure<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2e4 y1e88 wd6 h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x2dd y1e89 w54 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2e1 y1e89 wd4 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2df y1e89 wd5 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e2 y1e89 wd5 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2de y1e89 w54 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2e3 y1e89 wd5 h96\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2e0 y1e89 w54 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e4 y1e89 wd6 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2e5 y1e8a wce hd4\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Cre<span class=\"_ _1\"></span>dit risk<span class=\"_ _1\"></span> exposure<span class=\"_ _1\"></span>s re<span class=\"_ _1\"></span>lating to o<span class=\"_ _1\"></span>n<span class=\"ls1 ws1\">-<span class=\"ws9b\">balance sheet assets:</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e8b wce hd5\"><div class=\"t m0 x84 h35 y3eb ff5 fs8 fc0 sc0 ls28 ws0\">Subje<span class=\"_ _1\"></span>ct to IFRS 9 expect<span class=\"_ _1\"></span>ed credit los<span class=\"_ _1\"></span>s allowance<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e8c wce hd5\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets meas<span class=\"_ _1\"></span>ured at a<span class=\"_ _1\"></span>mortised co<span class=\"_ _1\"></span>st:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e8d wce hac\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Balances with Central B<span class=\"_ _1\"></span>ank of Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e8e wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">    <span class=\"ls29 ws98\">and treas<span class=\"_ _1\"></span>ury bills<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2dd y1e8e w54 hd5\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,922<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e8e wd4 hd5\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e8e wd5 hd5\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e8e wd5 hd5\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e8e w54 hd5\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e8e wd5 hd5\"><div class=\"t m0 x37 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e8e w54 hd5\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e8e wd6 hd5\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2e5 y1e8f wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Cheques i<span class=\"_ _1\"></span>n course of c<span class=\"_ _1\"></span>ollectio<span class=\"_ _1\"></span>n<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e8f w54 hd5\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">150<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e8f wd4 hd5\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e8f wd5 hd5\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">266<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e8f wd5 hd5\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e8f w54 hd5\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">150<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e8f wd5 hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e8f w54 hd5\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">266<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e8f wd6 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2e5 y1e90 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Debt securities<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e90 w54 hd5\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e90 wd4 hd5\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e90 wd5 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e90 wd5 hd5\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(25)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e90 w54 hd5\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e90 wd5 hd5\"><div class=\"t m0 xcd h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(13<span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2e0 y1e90 w54 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e90 wd6 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(25) </div></td></tr><tr><td class=\"c x2e5 y1e91 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"_ _bc\"> </span></div></td><td class=\"c x2dd y1e91 w54 hd5\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">62,426<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e1 y1e91 wd4 hd5\"><div class=\"t m0 x125 h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(3)<span class=\"_ _bc\"> </span></div></td><td class=\"c x2df y1e91 wd5 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">46,198<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e2 y1e91 wd5 hd5\"><div class=\"t m0 x125 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(9)<span class=\"_ _bc\"> </span></div></td><td class=\"c x2de y1e91 w54 hd5\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,939<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e3 y1e91 wd5 hd5\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(3)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2e0 y1e91 w54 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,973<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e4 y1e91 wd6 hd5\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(9) </div></td></tr><tr><td class=\"c x2e5 y1e92 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e7 y1e94 w1f1 h1b0\"><div class=\"t m12 x26e hb3 y1e93 ff9 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div><div class=\"t m0 x2e6 h25 y1e93 ff1 fs8 fc0 sc0 ls6a ws1\">Corporate and commercial<span class=\"_ _bc\"> </span></div></td><td class=\"c x2dd y1e95 w54 hac\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">608,846<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e95 wd4 hac\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(6,773)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e95 wd5 hac\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">594,777<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e95 wd5 hac\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,486)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e95 w54 hac\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">608,846<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e95 wd5 hac\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(6,773)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e95 w54 hac\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">594,777<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e95 wd6 hac\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,486) </div></td></tr><tr><td class=\"c x2e7 y1e96 w1f2 h1b0\"><div class=\"t m12 x26e hb3 y1e93 ff9 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div><div class=\"t m0 x2e6 h25 y1e93 ff1 fs8 fc0 sc0 ls4 ws0\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x2dd y1e97 w54 hd5\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">327,621<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e97 wd4 hd5\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(58<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2df y1e97 wd5 hd5\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">286,325<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e97 wd5 hd5\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(934)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e97 w54 hd5\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">327,630<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e97 wd5 hd5\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(58<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2e0 y1e97 w54 hd5\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">286,333<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e97 wd6 hd5\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(934) </div></td></tr><tr><td class=\"c x2e5 y1e98 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Trade and o<span class=\"_ _1\"></span>ther rec<span class=\"_ _1\"></span>eivabl<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e98 w54 hd5\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,690<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e98 wd4 hd5\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(26<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2df y1e98 wd5 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">13,182<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e98 wd5 hd5\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(203)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e98 w54 hd5\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">7,2<span class=\"ls1 ws1\">38</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x2e3 y1e98 wd5 hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e98 w54 hd5\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,443<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e98 wd6 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2e5 y1e99 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Accrued i<span class=\"_ _1\"></span>ncome a<span class=\"_ _1\"></span>nd other a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e99 w54 hd5\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,611<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e99 wd4 hd5\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e99 wd5 hd5\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,884<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e99 wd5 hd5\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e99 w54 hd5\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,584<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e99 wd5 hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e99 w54 hd5\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,855<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e99 wd6 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2e5 y1e9a wce hd6\"><div class=\"t m0 x10 h25 yf47 ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at FVO<span class=\"_ _1\"></span>CI <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e9a w54 hd6\"><div class=\"t m0 x80 h35 yf47 ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e9a wd4 hd6\"><div class=\"t m0 xd6 h35 yf47 ff3 fs8 fc0 sc0 ls29 ws9a\">(2<span class=\"ls1 ws1\">19</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2df y1e9a wd5 hd6\"><div class=\"t m0 x80 h25 yf47 ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e9a wd5 hd6\"><div class=\"t m0 xd6 h25 yf47 ff1 fs8 fc0 sc0 ls1 ws1\">(224)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e9a w54 hd6\"><div class=\"t m0 x80 h35 yf47 ff3 fs8 fc0 sc0 ls1 ws1\">168,955<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e9a wd5 hd6\"><div class=\"t m0 xd6 h35 yf47 ff3 fs8 fc0 sc0 ls29 ws9a\">(2<span class=\"ls1 ws1\">19</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2e0 y1e9a w54 hd6\"><div class=\"t m0 x80 h25 yf47 ff1 fs8 fc0 sc0 ls1 ws1\">176,696<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e9a wd6 hd6\"><div class=\"t m0 xd6 h25 yf47 ff1 fs8 fc0 sc0 ls1 ws1\">(224) </div></td></tr><tr><td class=\"c x2e5 y1e9b wce h96\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Cre<span class=\"_ _1\"></span>dit risk<span class=\"_ _1\"></span> exposure<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e9b w54 h96\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,399,134<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e9b wd4 h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(7,854)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e9b wd5 h96\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,291,464<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e9b wd5 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(8,881)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e9b w54 h96\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,381,166<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e9b wd5 h96\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(7,591)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e9b w54 h96\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,274,347<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e9b wd6 h96\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(8,678) </div></td></tr><tr><td class=\"c x2e5 y1e9c wce hd5\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Cre<span class=\"_ _1\"></span>dit risk<span class=\"_ _1\"></span> exposure<span class=\"_ _1\"></span> rela<span class=\"_ _1\"></span>ting to o<span class=\"_ _1\"></span>ff<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">balance</span></span><span class=\"ls1 ws1\"><span class=\"ls28 ws99\"> <span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e9d wce hd5\"><div class=\"t m0 x84 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">    <span class=\"ls28 ws0\">sheet instr<span class=\"_ _1\"></span>uments:<span class=\"_ _bc\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e9e wce hd8\"><div class=\"t m0 x84 h25 y9fd ff1 fs8 fc0 sc0 ls28 ws0\">Contingent lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e9e w54 hd8\"><div class=\"t m0 x113 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">22,055<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e9e wd4 hd8\"><div class=\"t m0 x49 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e9e wd5 hd8\"><div class=\"t m0 x113 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">19,827<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e9e wd5 hd8\"><div class=\"t m0 x49 h25 y9fd ff1 fs8 fc0 sc0 ls3 ws114\">(1<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x2de y1e9e w54 hd8\"><div class=\"t m0 x113 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">22,055<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e9e wd5 hd8\"><div class=\"t m0 xcd h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e9e w54 hd8\"><div class=\"t m0 x113 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">19,827<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e9e wd6 hd8\"><div class=\"t m0 xcd h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">(12) </div></td></tr><tr><td class=\"c x2e5 y1e9f wce hd9\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Undrawn c<span class=\"_ _1\"></span>ommitm<span class=\"_ _1\"></span>ents to<span class=\"_ _1\"></span> lend<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e9f w54 hd9\"><div class=\"t m0 x80 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">355,682<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e9f wd4 hd9\"><div class=\"t m0 x49 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">(22)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e9f wd5 hd9\"><div class=\"t m0 x80 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">291,647<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e9f wd5 hd9\"><div class=\"t m0 x49 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">(71)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e9f w54 hd9\"><div class=\"t m0 x80 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">356,793<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e9f wd5 hd9\"><div class=\"t m0 xcd h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">(22)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e9f w54 hd9\"><div class=\"t m0 x80 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">292,754<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e9f wd6 hd9\"><div class=\"t m0 xcd h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">(71) </div></td></tr><tr><td class=\"c x2e5 y1ea0 wce hd5\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Cre<span class=\"_ _1\"></span>dit risk<span class=\"_ _1\"></span> exposure<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2dd y1ea0 w54 hd5\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">377,737<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1ea0 wd4 hd5\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(3<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2df y1ea0 wd5 hd5\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">311,474<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1ea0 wd5 hd5\"><div class=\"t m0 x49 h25 y829 ff1 fs8 fc0 sc0 ls3 ws114\">(8<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x2de y1ea0 w54 hd5\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">378,848<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1ea0 wd5 hd5\"><div class=\"t m0 xcd h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(33)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1ea0 w54 hd5\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">312,581<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1ea0 wd6 hd5\"><div class=\"t m0 x49 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(83) </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs40d\">Accrued income substantially <span class=\"_ _0\"></span>arises from<span class=\"_ _0\"></span> loans and advances to c<span class=\"_ _0\"></span>ustomers.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs40e\">2.3.6<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Credit concen<span class=\"_ _1\"></span>tration ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsed gs40f\">Within the<span class=\"_ _0\"></span> Bank, conc<span class=\"_ _0\"></span>entration ri<span class=\"_ _0\"></span>sk of losse<span class=\"_ _0\"></span>s results f<span class=\"_ _0\"></span>rom ina<span class=\"_ _0\"></span>dequate di<span class=\"_ _0\"></span>versif<span class=\"_ _0\"></span>ication of t<span class=\"_ _0\"></span>he credit </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs410\">exposure<span class=\"_ _0\"></span>s. This ri<span class=\"_ _0\"></span>sk is m<span class=\"_ _0\"></span>anaged by ac<span class=\"_ _0\"></span>tive<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asuring, r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> and monit<span class=\"_ _0\"></span>oring on<span class=\"_ _0\"></span> a reg<span class=\"_ _0\"></span>ular and o<span class=\"_ _0\"></span>ngoing<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs411\">basis<span class=\"_ _1\"></span> risk concent<span class=\"_ _1\"></span>ration levels <span class=\"_ _1\"></span>agains<span class=\"_ _1\"></span>t reasonab<span class=\"_ _1\"></span>le <span class=\"ls8 ws13\">threshol<span class=\"_ _0\"></span>ds for<span class=\"_ _0\"></span> industry sec<span class=\"_ _0\"></span>tors, counte<span class=\"_ _0\"></span>rpartie<span class=\"_ _0\"></span>s, products,<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs412\">and colla<span class=\"_ _1\"></span>teral types.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs413\">Credit concentr<span class=\"_ _0\"></span>ation ris<span class=\"_ _0\"></span>k by industr<span class=\"_ _0\"></span>y sector<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs414\">The G<span class=\"_ _0\"></span>roup and Bank\u2019<span class=\"_ _0\"></span>s fina<span class=\"_ _0\"></span>ncia<span class=\"_ _0\"></span>l investm<span class=\"_ _0\"></span>ents me<span class=\"_ _0\"></span>asured at<span class=\"_ _0\"></span> FVO<span class=\"_ _0\"></span>CI, e<span class=\"_ _0\"></span>xcluding<span class=\"_ _0\"></span> equity inve<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents, are<span class=\"_ _0\"></span> anal<span class=\"_ _0\"></span>ysed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs415\">by industry se<span class=\"_ _0\"></span>ctor i<span class=\"_ _0\"></span>n the f<span class=\"_ _0\"></span>ollow<span class=\"_ _0\"></span>ing tabl<span class=\"_ _0\"></span>e:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1f3 h1b1\" id=\"_5db53eab-4b12-469d-be2f-6bc8ae3cacc6\"><tr><td></td><td></td><td class=\"c x2e9 y1ea1 wda hbc\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">               <span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\">Group</span><span class=\"ffb ws1\"> </span></div></td><td></td><td class=\"c x2ea y1ea1 wc7 hbc\"><div class=\"t m0 x22 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                <span class=\"ws1\">Bank </span></div></td></tr><tr><td></td><td class=\"c x2e9 y1ea2 wdb hdb\"><div class=\"t m0 x11e h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x2eb y1ea2 wa5 hdb\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea2 wdc hdb\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2ec y1ea2 w59 hdb\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2e9 y1ea3 wdb hbc\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2eb y1ea3 wa5 hbc\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ea y1ea3 wdc hbc\"><div class=\"t m0 xd7 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ec y1ea3 w59 hbc\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2ed y1ea4 wd9 hbc\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Government<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e9 y1ea4 wdb hbc\"><div class=\"t m0 xd8 h29 y179 ff3 fs8 fc0 sc0 ls1 ws1\">145,416<span class=\"_ _bc\"> </span></div></td><td class=\"c x2eb y1ea4 wa5 hbc\"><div class=\"t m0 x113 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">147,232<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea4 wdc hbc\"><div class=\"t m0 xd4 h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">144,339<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea4 w59 hbc\"><div class=\"t m0 x33 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">146,029 </div></td></tr><tr><td class=\"c x2ed y1ea5 wd9 hdb\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Corporate<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2ed y1ea6 wd9 h95\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls6b ws111\">Touri<span class=\"_ _0\"></span>sm<span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x2e9 y1ea6 wdb h95\"><div class=\"t m0 xf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">229<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ea6 wa5 h95\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">425<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea6 wdc h95\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">185<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea6 w59 h95\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">382 </div></td></tr><tr><td class=\"c x2ed y1ea7 wd9 h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls29 ws98\">Property<span class=\"_ _1\"></span> and const<span class=\"_ _1\"></span>ructio<span class=\"_ _1\"></span>n</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e9 y1ea7 wdb h96\"><div class=\"t m0 xf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">908<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ea7 wa5 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">918<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea7 wdc h96\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">563<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea7 w59 h96\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">569 </div></td></tr><tr><td class=\"c x2ed y1ea8 wd9 h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e9 y1ea8 wdb h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">21,602<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ea8 wa5 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,415<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea8 wdc h97\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">21,058<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea8 w59 h97\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">26,878 </div></td></tr><tr><td class=\"c x2ed y1ea9 wd9 h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Other secto<span class=\"_ _1\"></span>rs </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e9 y1ea9 wdb h96\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,810<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ea9 wa5 h96\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,838<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea9 wdc h96\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,810<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea9 w59 h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,838 </div></td></tr><tr><td class=\"c x2ed y1eaa wd9 h94\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross financial investments measured at FVOCI<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2e9 y1eaa wdb h94\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eaa wa5 h94\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eaa wdc h94\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">168,955<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eaa w59 h94\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">176,696 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs418\">The Group and B<span class=\"_ _0\"></span>ank\u2019s fi<span class=\"_ _0\"></span>nanci<span class=\"_ _0\"></span>al investm<span class=\"_ _0\"></span>ents me<span class=\"_ _0\"></span>asured at<span class=\"_ _0\"></span> amorti<span class=\"_ _0\"></span>sed cost are<span class=\"_ _0\"></span> analysed by<span class=\"_ _0\"></span> industry <span class=\"_ _0\"></span>secto<span class=\"_ _0\"></span>r in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs419\">the following tab<span class=\"_ _1\"></span>le:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1f3 h1b2\" id=\"_fa71dc22-b0c4-488e-a272-cd89b2bc1a5a\"><tr><td></td><td class=\"c x2ea y1eab wc7 hab\"><div class=\"t m0 x7d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">               <span class=\"ls28 ws0\"></span><span class=\"ls28 ws0\">Group and Bank</span><span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x2ea y1eac wdc hdd\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2ec y1eac w59 hdd\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2ea y1ead wdc hab\"><div class=\"t m0 xd7 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ec y1ead w59 hab\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2ed y1eae wd9 hab\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Government<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2ea y1eae wdc hab\"><div class=\"t m0 x22 h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">25,600<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eae w59 hab\"><div class=\"t m0 x22 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">14,875 </div></td></tr><tr><td class=\"c x2ed y1eaf wd9 hbc\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Corporate<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x2ed y1eb0 wd9 h94\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls6b ws111\">Touri<span class=\"_ _0\"></span>sm<span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x2ea y1eb0 wdc h94\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">270<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eb0 w59 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">72 </div></td></tr><tr><td class=\"c x2ed y1eb1 wd9 h95\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ea y1eb1 wdc h95\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7,733<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eb1 w59 h95\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,884 </div></td></tr><tr><td class=\"c x2ed y1eb2 wd9 h94\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Other secto<span class=\"_ _1\"></span>rs </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ea y1eb2 wdc h94\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">300<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eb2 w59 h94\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">301 </div></td></tr><tr><td class=\"c x270 y1eb3 w1f4 h1b3\"><div class=\"t m0 x26e h29 y1e31 ff3 fs8 fc0 sc0 ls1 ws9b\">Gross financial investments measured at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x2ee h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws9b\">amortised cost<span class=\"_ _bc\"> </span></div></td><td class=\"t m0 x2ef h35 y1eb4 ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></td><td class=\"t m0 x2f0 h25 y1eb4 ff1 fs8 fc0 sc0 ls1 ws1\">21,132 </td></tr></table></div><div class=\"t m0 hdc ff1 fs14 fc0 sc0 ls73 ws133 gs41c\">The <span class=\"ws134\">i<span class=\"_ _0\"></span>ndust<span class=\"_ _0\"></span>ry sec<span class=\"_ _0\"></span>tor anal<span class=\"_ _0\"></span>ysis o<span class=\"_ _0\"></span>f the<span class=\"_ _0\"></span> Group an<span class=\"_ _0\"></span>d Bank\u2019s<span class=\"_ _11\"></span> loans and adva<span class=\"_ _0\"></span>nces<span class=\"_ _0\"></span> to cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span> (gross<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs41d\">expected<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws8b gs41e\">losses</div><div class=\"t m0 h3 ff1 fs14 fc0 sc0 ls74 ws135 gs41f\">) is describ<span class=\"_ _1\"></span>ed in the follow<span class=\"_ _1\"></span>ing table:<span class=\"fs1 ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1f5 h1b4\" id=\"_95f338e9-2ebf-44a6-8e58-9eb0c1e709ab\"><tr><td></td><td></td><td class=\"c x2f1 y1eb5 wc8 hab\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">               <span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\">Group</span><span class=\"ffb ws1\"> </span></div></td><td></td><td class=\"c x2ea y1eb5 wc7 hab\"><div class=\"t m0 x22 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                <span class=\"ws1\">Bank </span></div></td></tr><tr><td></td><td class=\"c x2f1 y1eb6 wbc hab\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eb6 wa5 hab\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eb6 wbc hab\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2f2 y1eb6 wa7 hab\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2f1 y1eb7 wbc hdd\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2eb y1eb7 wa5 hdd\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ea y1eb7 wbc hdd\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f2 y1eb7 wa7 hdd\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2ed y1eb8 wdd h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Manufac<span class=\"_ _1\"></span>turing<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1eb8 wbc h97\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">14,544<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eb8 wa5 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">10,976<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eb8 wbc h97\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">14,544<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1eb8 wa7 h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">10,976 </div></td></tr><tr><td class=\"c x2ed y1eb9 wdd h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Touris<span class=\"_ _0\"></span>m<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1eb9 wbc h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">81,329<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eb9 wa5 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">63,810<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eb9 wbc h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">81,329<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1eb9 wa7 h96\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">63,810 </div></td></tr><tr><td class=\"c x2ed y1eba wdd h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Trade<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1eba wbc h97\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">50,865<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eba wa5 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,497<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eba wbc h97\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">50,865<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1eba wa7 h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,497 </div></td></tr><tr><td class=\"c x2ed y1ebb wdd h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Propert<span class=\"_ _1\"></span>y and const<span class=\"_ _1\"></span>ructio<span class=\"_ _1\"></span>n<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1ebb wbc h96\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">294,792<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebb wa5 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">296,231<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebb wbc h96\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">294,792<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebb wa7 h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">296,231 </div></td></tr><tr><td class=\"c x2ed y1ebc wdd h95\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Persona<span class=\"_ _1\"></span>l, profess<span class=\"_ _1\"></span>ional<span class=\"_ _1\"></span> and hom<span class=\"_ _1\"></span>e loans<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1ebc wbc h95\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">349,674<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebc wa5 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">297,582<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebc wbc h95\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">349,683<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebc wa7 h95\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">297,590 </div></td></tr><tr><td class=\"c x2ed y1ebd wdd h94\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1ebd wbc h94\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">128,952<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebd wa5 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">144,022<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebd wbc h94\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">128,952<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebd wa7 h94\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">144,022 </div></td></tr><tr><td class=\"c x2ed y1ebe wdd h95\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Other sectors<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1ebe wbc h95\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,311<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebe wa5 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">16,984<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebe wbc h95\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,311<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebe wa7 h95\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">16,984 </div></td></tr><tr><td class=\"c x2ed y1ebf wdd h97\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross loans and advances to customers<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2f1 y1ebf wbc h97\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">936,467<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebf wa5 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">881,102<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebf wbc h97\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">936,476<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebf wa7 h97\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">881,110 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs422\">A significant<span class=\"_ _1\"></span> portion <span class=\"ls7 ws1\">of the Bank\u2019s loans and advances to cu<span class=\"_ _0\"></span>stomers com<span class=\"_ _0\"></span>prise exposures to cor<span class=\"_ _0\"></span>porates.<span class=\"ls1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs423\">As at 31 D<span class=\"_ _0\"></span>ecembe<span class=\"_ _0\"></span>r 2025 and 2<span class=\"_ _0\"></span>024, no<span class=\"_ _0\"></span> loans and adva<span class=\"_ _0\"></span>nces<span class=\"_ _0\"></span> to custome<span class=\"_ _0\"></span>rs we<span class=\"_ _0\"></span>re deeme<span class=\"_ _0\"></span>d to be prohi<span class=\"_ _0\"></span>bited </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs424\">large exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res, p<span class=\"_ _1\"></span>rior to any<span class=\"_ _1\"></span> eligible ex<span class=\"_ _1\"></span>emptio<span class=\"_ _1\"></span>ns, in<span class=\"_ _1\"></span> accor<span class=\"_ _1\"></span>dance with<span class=\"_ _1\"></span> the req<span class=\"_ _1\"></span>uirement<span class=\"_ _1\"></span>s of Pa<span class=\"_ _1\"></span>rt Fou<span class=\"_ _1\"></span>r: Large </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs425\">Expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span>, of the CRR<span class=\"_ _1\"></span>. A limited<span class=\"_ _1\"></span> numb<span class=\"_ _1\"></span>er of cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls7 ws26\">account for<span class=\"_ _0\"></span> a certain per<span class=\"_ _0\"></span>centage of<span class=\"_ _0\"></span> the Bank\u2019s loans<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws25 gs426\">and advances. W<span class=\"_ _0\"></span>hilst no<span class=\"_ _0\"></span> indivi<span class=\"_ _0\"></span>dual custom<span class=\"_ _0\"></span>er or g<span class=\"_ _0\"></span>roup of de<span class=\"_ _0\"></span>pendent c<span class=\"_ _0\"></span>ustome<span class=\"_ _0\"></span>rs is considere<span class=\"_ _0\"></span>d by </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws72 gs427\">manag<span class=\"_ _1\"></span>ement a<span class=\"_ _1\"></span>s a sign<span class=\"_ _1\"></span>ificant<span class=\"_ _1\"></span> concentr<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of credi<span class=\"_ _1\"></span>t risk<span class=\"_ _1\"></span> in the con<span class=\"_ _1\"></span>text of th<span class=\"_ _1\"></span>e CRR, th<span class=\"_ _1\"></span>ese expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> are </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs428\">monit<span class=\"_ _1\"></span><span class=\"ls8 wsa\">ored and r<span class=\"_ _0\"></span>eporte<span class=\"_ _0\"></span>d more fr<span class=\"_ _0\"></span>equentl<span class=\"_ _0\"></span>y and rigor<span class=\"_ _0\"></span>ously.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs429\">Credit concentr<span class=\"_ _0\"></span>ation ris<span class=\"_ _0\"></span>k by geographical<span class=\"_ _0\"></span> region<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs42a\">The G<span class=\"_ _0\"></span>roup also m<span class=\"_ _0\"></span>onitors cr<span class=\"_ _0\"></span>edit conce<span class=\"_ _0\"></span>ntration r<span class=\"_ _0\"></span>isk by geo<span class=\"_ _0\"></span>graphi<span class=\"_ _0\"></span>cal re<span class=\"_ _0\"></span>gion. T<span class=\"_ _0\"></span>he majori<span class=\"_ _0\"></span>ty of the G<span class=\"_ _0\"></span>roup\u2019s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs42b\">exposure<span class=\"_ _0\"></span>s are in M<span class=\"_ _0\"></span>alta in view of<span class=\"_ _0\"></span> the Group\u2019s le<span class=\"_ _0\"></span>nding ope<span class=\"_ _0\"></span>rations be<span class=\"_ _0\"></span>ing conduc<span class=\"_ _0\"></span>ted wi<span class=\"_ _0\"></span>th Maltese <span class=\"ls5 ws7\">customers<span class=\"_ _1\"></span><span class=\"ls72 wsee\">. </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs42c\">Moreove<span class=\"_ _0\"></span>r, the si<span class=\"_ _0\"></span>gnificant<span class=\"_ _0\"></span> part of the<span class=\"_ _0\"></span> Group i<span class=\"_ _0\"></span>nvestments in de<span class=\"_ _0\"></span>bt secur<span class=\"_ _0\"></span>ities ar<span class=\"_ _0\"></span>e issued by l<span class=\"_ _0\"></span>ocal go<span class=\"_ _0\"></span>vernme<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs42d\">and loca<span class=\"_ _1\"></span>l corporate entit<span class=\"_ _1\"></span>ies.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs42e\">The G<span class=\"_ _0\"></span>roup and Bank\u2019s <span class=\"_ _0\"></span>balanc<span class=\"_ _0\"></span>es with c<span class=\"_ _0\"></span>orre<span class=\"_ _0\"></span>spondent ba<span class=\"_ _0\"></span>nks in <span class=\"_ _0\"></span>diff<span class=\"_ _0\"></span>erent juri<span class=\"_ _0\"></span>sdictions ar<span class=\"_ _0\"></span>e spl<span class=\"_ _0\"></span>it by g<span class=\"_ _0\"></span>eogra<span class=\"_ _0\"></span>phical </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs42f\">region as s<span class=\"_ _1\"></span>hown in th<span class=\"_ _1\"></span>e following table:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1f6 h1b5\" id=\"_60052bf6-7fb4-4089-8499-4757f54cc231\"><tr><td></td><td></td><td class=\"c x2f4 y1ec0 wc8 hdf\"><div class=\"t m0 x26 he0 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">               <span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\">Group</span><span class=\"ffa fs14 ws1\"> </span></div></td><td></td><td class=\"c x2f5 y1ec0 wc8 hdf\"><div class=\"t m0 xd7 he1 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">                <span class=\"ws1\">Bank<span class=\"fs14\"> </span></span></div></td></tr><tr><td></td><td class=\"c x2f4 y1ec1 w54 hd8\"><div class=\"t m0 xd7 he0 y94f ff3 fs14 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec1 wd5 hd8\"><div class=\"t m0 xd7 hdc y94f ff1 fs14 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec1 wd5 hd8\"><div class=\"t m0 xd7 he1 y94f ff3 fs14 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2f7 y1ec1 w54 hd8\"><div class=\"t m0 x49 hdc y94f ff1 fs14 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2f4 y1ec2 w54 he2\"><div class=\"t m0 x26 he0 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa fs14 ws1\"> </span></div></td><td class=\"c x2f6 y1ec2 wd5 he2\"><div class=\"t m0 x26 he3 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb fs14 ws1\"> </span></div></td><td class=\"c x2f5 y1ec2 wd5 he2\"><div class=\"t m0 x26 he3 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb fs14 ws1\"> </span></div></td><td class=\"c x2f7 y1ec2 w54 he2\"><div class=\"t m0 xd8 hdc y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"fs14 ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1ec3 wde ha5\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls75 ws135\">Spain<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec3 w54 ha5\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">3,756<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec3 wd5 ha5\"><div class=\"t m0 x1d h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">14,481<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec3 wd5 ha5\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,756<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec3 w54 ha5\"><div class=\"t m0 xd7 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">14,481 </div></td></tr><tr><td class=\"c x2f8 y1ec4 wde ha6\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls76 ws136\">Germany<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec4 w54 ha6\"><div class=\"t m0 x1d h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">19,892<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec4 wd5 ha6\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3,455<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec4 wd5 ha6\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">19,892<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec4 w54 ha6\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3,455 </div></td></tr><tr><td class=\"c x2f8 y1ec5 wde ha4\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls73 ws133\">Irela<span class=\"_ _0\"></span>nd<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec5 w54 ha4\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">9,605<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec5 wd5 ha4\"><div class=\"t m0 x1d h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">10,884<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec5 wd5 ha4\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,605<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec5 w54 ha4\"><div class=\"t m0 xd7 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">10,884 </div></td></tr><tr><td class=\"c x2f8 y1ec6 wde ha4\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls74 ws137\">Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec6 w54 ha4\"><div class=\"t m0 x1d h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">20,597<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec6 wd5 ha4\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">5,230<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec6 wd5 ha4\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">14,111<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec6 w54 ha4\"><div class=\"t m0 xf h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x2f8 y1ec7 wde ha6\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls75 ws138\">Unit<span class=\"_ _1\"></span>ed States<span class=\"_ _1\"></span> of Amer<span class=\"_ _1\"></span>ica<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec7 w54 ha6\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">2,457<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec7 wd5 ha6\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3,213<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec7 wd5 ha6\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">2,457<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec7 w54 ha6\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3,213 </div></td></tr><tr><td class=\"c x2f8 y1ec8 wde ha5\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls74 ws135\">United<span class=\"_ _1\"></span> Kingdom<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec8 w54 ha5\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">1,347<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec8 wd5 ha5\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">4,377<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec8 wd5 ha5\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,347<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec8 w54 ha5\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">4,377 </div></td></tr><tr><td class=\"c x2f8 y1ec9 wde ha4\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls74 ws137\">Italy<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec9 w54 ha4\"><div class=\"t m0 x26 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">2,838<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f6 y1ec9 wd5 ha4\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">2,153<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec9 wd5 ha4\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">2,838<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec9 w54 ha4\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">2,153 </div></td></tr><tr><td class=\"c x2f8 y1eca wde ha6\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls74 ws137\">Belgium<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1eca w54 ha6\"><div class=\"t m0 x49 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">433<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1eca wd5 ha6\"><div class=\"t m0 x49 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">478<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1eca wd5 ha6\"><div class=\"t m0 x49 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">433<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1eca w54 ha6\"><div class=\"t m0 x27 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">478 </div></td></tr><tr><td class=\"c x2f8 y1ecb wde ha4\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls75 ws135\">Switzer<span class=\"_ _1\"></span>land<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ecb w54 ha4\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">1,479<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ecb wd5 ha4\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">1,924<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ecb wd5 ha4\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,479<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ecb w54 ha4\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">1,924 </div></td></tr><tr><td class=\"c x2f8 y1ecc wde ha5\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls75 ws135\">Other<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ecc w54 ha5\"><div class=\"t m0 x125 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">22<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ecc wd5 ha5\"><div class=\"t m0 x6b h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ecc wd5 ha5\"><div class=\"t m0 x125 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">21<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ecc w54 ha5\"><div class=\"t m0 xf h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x2f8 y1ecd wde ha6\"><div class=\"t m0 x14b he0 y8d0 ff3 fs14 fc0 sc0 ls1 ws1\"> <span class=\"ls77 ws139\">Gros<span class=\"_ _1\"></span>s loans<span class=\"_ _1\"></span> and adva<span class=\"_ _1\"></span>nces to<span class=\"_ _1\"></span> banks<span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></div></td><td class=\"c x2f4 y1ecd w54 ha6\"><div class=\"t m0 x1d h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">62,426<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ecd wd5 ha6\"><div class=\"t m0 x1d h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">46,198<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ecd wd5 ha6\"><div class=\"t m0 x1d h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">55,939<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ecd w54 ha6\"><div class=\"t m0 xd7 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">40,973 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs432\">2.3.7<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Informat<span class=\"_ _0\"></span>ion on cre<span class=\"_ _0\"></span>dit qualit<span class=\"_ _0\"></span>y of balanc<span class=\"_ _0\"></span>es wit<span class=\"_ _0\"></span>h banks, inve<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents and tre<span class=\"_ _0\"></span>asury bill<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws40 gs433\">The G<span class=\"_ _0\"></span>roup holds debt<span class=\"_ _0\"></span> instrum<span class=\"_ _0\"></span>ents that a<span class=\"_ _0\"></span>re issue<span class=\"_ _0\"></span>d by lo<span class=\"_ _0\"></span>cal g<span class=\"_ _0\"></span>overnme<span class=\"_ _0\"></span>nt, loc<span class=\"_ _0\"></span>al banks and othe<span class=\"_ _0\"></span>r local<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs434\">corporate ent<span class=\"_ _1\"></span>ities. All such<span class=\"_ _1\"></span> securities ar<span class=\"_ _1\"></span>e listed on th<span class=\"_ _1\"></span>e Malta Stock Ex<span class=\"_ _1\"></span>change, which is<span class=\"_ _1\"></span> currently the on<span class=\"_ _1\"></span>ly </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs435\">locally<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">based Recog<span class=\"_ _0\"></span>nised Inve<span class=\"_ _0\"></span>stment Ex<span class=\"_ _0\"></span>change (<span class=\"_ _0\"></span>\u2018RIE\u2019)<span class=\"_ _0\"></span>. The ot<span class=\"_ _0\"></span>her debt<span class=\"_ _0\"></span> securi<span class=\"_ _0\"></span>ties hel<span class=\"_ _0\"></span>d by the<span class=\"_ _0\"></span> Group, i<span class=\"_ _0\"></span>ssued </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs436\">by for<span class=\"_ _1\"></span>eign gov<span class=\"_ _1\"></span>ernment<span class=\"_ _1\"></span>s an<span class=\"_ _1\"></span>d entities,<span class=\"_ _1\"></span> are lis<span class=\"_ _1\"></span>ted on other<span class=\"_ _1\"></span> recognis<span class=\"_ _1\"></span>ed excha<span class=\"_ _1\"></span>nges.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws33\">The B<span class=\"_ _0\"></span>ank acquire<span class=\"_ _0\"></span>s de<span class=\"_ _0\"></span>bt </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs437\">securit<span class=\"_ _0\"></span>ies and sim<span class=\"_ _0\"></span>ilar inst<span class=\"_ _0\"></span>ruments i<span class=\"_ _0\"></span>ssued by counte<span class=\"_ _0\"></span>rpart<span class=\"_ _0\"></span>ies having<span class=\"_ _0\"></span> strong f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> background.<span class=\"_ _0\"></span> Th<span class=\"ls5 ws7\">ese </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs438\">issuers are<span class=\"_ _0\"></span> approved and r<span class=\"_ _0\"></span>egular<span class=\"_ _0\"></span>ly revi<span class=\"_ _0\"></span>ewed consi<span class=\"_ _0\"></span>dering<span class=\"_ _0\"></span> the process pre<span class=\"_ _0\"></span>viously hig<span class=\"_ _0\"></span>hlighte<span class=\"_ _0\"></span>d, foc<span class=\"_ _0\"></span>using on </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs439\">market d<span class=\"_ _1\"></span>evelop<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs43a\">Within its dai<span class=\"_ _0\"></span>ly ope<span class=\"_ _0\"></span>rations t<span class=\"_ _0\"></span>he B<span class=\"_ _0\"></span>ank transacts<span class=\"_ _0\"></span> wit<span class=\"_ _0\"></span>h banks and<span class=\"_ _0\"></span> other f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l instituti<span class=\"_ _0\"></span>ons. T<span class=\"_ _0\"></span>he Bank pr<span class=\"_ _0\"></span>imari<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs43b\">places sh<span class=\"_ _1\"></span>ort<span class=\"ls1 ws1\">-<span class=\"ls8 ws17\">term f<span class=\"_ _0\"></span>unds with pr<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\">-</span>approve<span class=\"_ _0\"></span>d banks subje<span class=\"_ _0\"></span>ct t<span class=\"_ _0\"></span>o limi<span class=\"_ _0\"></span>ts in place<span class=\"_ _0\"></span> and subjec<span class=\"_ _0\"></span>t to the<span class=\"_ _0\"></span> respe<span class=\"_ _0\"></span>ctive </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs43c\">institu<span class=\"_ _1\"></span>tion\u2019s credit ra<span class=\"_ _1\"></span>ting bein<span class=\"_ _1\"></span>g within<span class=\"ls1 ws1\"> <span class=\"ls8 ws15\">controlle<span class=\"_ _0\"></span>d parame<span class=\"_ _0\"></span>ters. By conducti<span class=\"_ _0\"></span>ng these<span class=\"_ _0\"></span> transactio<span class=\"_ _0\"></span>ns the Bank i<span class=\"_ _0\"></span>s </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs43d\">running the<span class=\"_ _0\"></span> risk of l<span class=\"_ _0\"></span>osing funds due<span class=\"_ _0\"></span> to the possi<span class=\"_ _0\"></span>ble del<span class=\"_ _0\"></span>ays in the re<span class=\"_ _0\"></span>payment to t<span class=\"_ _0\"></span>he Bank of the<span class=\"_ _0\"></span> existi<span class=\"_ _0\"></span>ng and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs43e\">future o<span class=\"_ _0\"></span>bligati<span class=\"_ _0\"></span>ons of the counte<span class=\"_ _0\"></span>rparty bank<span class=\"_ _0\"></span>s. Actual e<span class=\"_ _0\"></span>xposur<span class=\"_ _0\"></span>es are<span class=\"_ _0\"></span> monitored a<span class=\"ls6 ws23\">gainst the limits<span class=\"_ _1\"></span> on a daily<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs43f\">basis and in a real<span class=\"ls1\">-<span class=\"ls5 ws6\">time man<span class=\"_ _1\"></span>ner.<span class=\"_ _1\"></span> The cr<span class=\"_ _1\"></span>edit s<span class=\"_ _1\"></span>tatu<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e pre</span>-<span class=\"ls8 wsa\">authorised banks is m<span class=\"_ _0\"></span>onitore<span class=\"_ _0\"></span>d on an ongoing<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws8b gs440\">basis. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs441\">The B<span class=\"_ _0\"></span>ank runs the r<span class=\"_ _0\"></span>isk of loss of f<span class=\"_ _0\"></span>unds due to the<span class=\"_ _0\"></span> possible<span class=\"_ _0\"></span> politi<span class=\"_ _0\"></span>cal, e<span class=\"_ _0\"></span>conomic and other<span class=\"_ _0\"></span> events i<span class=\"_ _0\"></span>n a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs442\">particul<span class=\"_ _0\"></span>ar country<span class=\"_ _0\"></span> whe<span class=\"_ _0\"></span>re funds h<span class=\"_ _0\"></span>ave be<span class=\"_ _0\"></span>en plac<span class=\"_ _0\"></span>ed or<span class=\"_ _0\"></span> inves<span class=\"_ _0\"></span>ted wi<span class=\"_ _0\"></span>th severa<span class=\"_ _0\"></span>l counte<span class=\"_ _0\"></span>rparti<span class=\"_ _0\"></span>es. C<span class=\"_ _0\"></span>ountries ar<span class=\"_ _0\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsc gs443\">assessed according to t<span class=\"_ _0\"></span>heir size<span class=\"_ _0\"></span>, economic<span class=\"_ _0\"></span> data and<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls6 wsd\">prospects, a<span class=\"_ _1\"></span>nd their credit ratin<span class=\"_ _1\"></span>gs from internation<span class=\"_ _1\"></span>al </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs444\">rating agencies<span class=\"_ _1\"></span>. Existin<span class=\"_ _1\"></span>g country credit risk expos<span class=\"_ _1\"></span>ures are monitored an<span class=\"_ _1\"></span>d reviewed periodically. The Ban<span class=\"_ _1\"></span>k\u2019s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws57 gs445\">assets are pre<span class=\"_ _0\"></span>dominantly in <span class=\"_ _0\"></span>Malta. The<span class=\"_ _0\"></span> Bank\u2019s exposures <span class=\"_ _0\"></span>to other countrie<span class=\"_ _0\"></span>s are m<span class=\"_ _0\"></span>ainly limite<span class=\"ls8 ws56\">d t<span class=\"_ _0\"></span>o bank </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs446\">balances<span class=\"_ _1\"></span> and money mark<span class=\"_ _1\"></span>et placements with a<span class=\"_ _1\"></span> total carrying amount<span class=\"_ _1\"></span> of \u20ac41,828,000 (2024: \u20ac40,96<span class=\"_ _1\"></span>8,000)<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs447\">at the e<span class=\"_ _0\"></span>nd of the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> perio<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs448\">At the e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> reporti<span class=\"_ _0\"></span>ng period, none<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span>se fina<span class=\"_ _0\"></span>ncial asse<span class=\"_ _0\"></span>ts menti<span class=\"_ _0\"></span>oned we<span class=\"_ _0\"></span>re past due<span class=\"_ _0\"></span> or im<span class=\"_ _0\"></span>paired.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs449\">The follo<span class=\"_ _1\"></span>wing<span class=\"_ _1\"></span> tables<span class=\"_ _1\"></span> set ou<span class=\"_ _1\"></span>t info<span class=\"_ _1\"></span>rmatio<span class=\"_ _1\"></span>n abo<span class=\"_ _1\"></span>ut th<span class=\"_ _1\"></span>e credit q<span class=\"_ _1\"></span>ualit<span class=\"_ _1\"></span>y of fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets of the Ba<span class=\"_ _1\"></span>nk meas<span class=\"_ _1\"></span>ured<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6d gs44a\">at amortised cost<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span><span class=\"ws4e\">and<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 ws17\">financial investm<span class=\"_ _0\"></span>ents at F<span class=\"_ _0\"></span>VOCI excluding e<span class=\"_ _0\"></span>quity inve<span class=\"_ _0\"></span>stments.<span class=\"_ _0\"></span> The credit qual<span class=\"_ _0\"></span>ity of </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs44b\">financial as<span class=\"_ _1\"></span>sets is bas<span class=\"_ _1\"></span>ed on <span class=\"ls5 ws7\">external<span class=\"_ _1\"></span> <span class=\"_ _10\"> </span></span>credit ra<span class=\"_ _1\"></span>tings ass<span class=\"_ _1\"></span>igned to issu<span class=\"_ _1\"></span>ers or counterpa<span class=\"_ _1\"></span>rties by recognised </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs44c\">external ratin<span class=\"_ _1\"></span>g agencies:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1f7 h1b6\" id=\"_c215070e-e5b4-472c-86ed-35878134998e\"><tr><td></td><td></td><td class=\"c x2f9 y1ece we0 h96\"><div class=\"t m0 x135 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x2f9 y1ecf we1 he5\"><div class=\"t m0 xd7 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></div></td><td class=\"c x2fa y1ecf w59 he5\"><div class=\"t m0 xdb h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x2fb y1ecf w59 he5\"><div class=\"t m0 x90 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x2fc h29 y1ed0 ff3 fs8 fc0 sc0 ls1 ws1\">12-month </td><td class=\"t m0 x2fd h29 y1ed0 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2fe h29 y1ed0 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f9 y1ecf we1 he5\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2fa y1ecf w59 he5\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2fb y1ecf w59 he5\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2ff y1ecf we2 he5\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x2f9 y1ed1 we1 h96\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2fa y1ed1 w59 h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2fb y1ed1 w59 h96\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2ff y1ed1 we2 h96\"><div class=\"t m0 xb5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1ed2 wdf h9e\"><div class=\"t m0 x10 h29 y979 ff3 fs8 fc0 sc0 ls1 ws9b\">Balances with Central Bank of Malta and treasury </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y1ed2 wdf h9e\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">bills at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y1ed3 wdf h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f9 y1ed3 we1 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921<span class=\"ffa\"> </span></div></td><td class=\"c x2fa y1ed3 w59 h96\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2fb y1ed3 w59 h96\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2ff y1ed3 we2 h96\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921 </div></td></tr><tr><td class=\"c x2b9 y1ed4 wdf h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f9 y1ed4 we1 h95\"><div class=\"t m0 x10d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2fa y1ed4 w59 h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2fb y1ed4 w59 h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2ff y1ed4 we2 h95\"><div class=\"t m0 x8f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y1ed5 wdf h95\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Carrying amount <span class=\"ws1\">\u2013 <span class=\"ls4 ws9a\">net of loss a<span class=\"_ _1\"></span>llowance</span></span><span class=\"ws1\"><span class=\"ls4 ws9a\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x2f9 y1ed5 we1 h95\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921<span class=\"ffa\"> </span></div></td><td class=\"c x2fa y1ed5 w59 h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2fb y1ed5 w59 h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2ff y1ed5 we2 h95\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w1f8 h1b7\" id=\"_6fc366f5-0578-4eab-b754-06316a874ef0\"><tr><td></td><td></td><td class=\"c x2f9 y1ed6 we0 h95\"><div class=\"t m0 x135 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x2f9 y1ed7 we1 he6\"><div class=\"t m0 xd7 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2fa y1ed7 w59 he6\"><div class=\"t m0 x80 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x2fb y1ed7 w59 he6\"><div class=\"t m0 x90 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x2fc h25 y1ed8 ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span> </td><td class=\"t m0 x2fd h25 y1ed8 ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2fe h25 y1ed8 ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f9 y1ed7 we1 he6\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x2fa y1ed7 w59 he6\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x2fb y1ed7 w59 he6\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x2ff y1ed7 we2 he6\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x2f9 y1ed9 we1 h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2fa y1ed9 w59 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2fb y1ed9 w59 h97\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ff y1ed9 we2 h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1eda wdf h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls6a ws1\">Balances with Centr<span class=\"_ _0\"></span>al Bank of Malta and treasury </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y1eda wdf h9e\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">bills at amo<span class=\"_ _1\"></span>rtised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y1edb wdf h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f9 y1edb we1 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x2fa y1edb w59 h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2fb y1edb w59 h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2ff y1edb we2 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872 </div></td></tr><tr><td class=\"c x2b9 y1edc wdf h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f9 y1edc we1 h96\"><div class=\"t m0 x10d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2fa y1edc w59 h96\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2fb y1edc w59 h96\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2ff y1edc we2 h96\"><div class=\"t m0 x10d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y1edd wdf h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t <span class=\"ls1\">\u2013 <span class=\"ls28 ws0\">net of<span class=\"_ _1\"></span> loss allowa<span class=\"_ _1\"></span>nce</span></span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f9 y1edd we1 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x2fa y1edd w59 h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2fb y1edd w59 h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2ff y1edd we2 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws73 gs450\">The credi<span class=\"_ _1\"></span>t ratin<span class=\"_ _1\"></span>g of th<span class=\"_ _1\"></span>e Govern<span class=\"_ _1\"></span>ment of Ma<span class=\"_ _1\"></span>lta as<span class=\"_ _1\"></span> at 31 Dece<span class=\"_ _1\"></span>mber 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 <span class=\"_ _15\"> </span><span class=\"ls6 ws65\">and 202</span>4  </span>was cons<span class=\"_ _1\"></span>idered as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs451\">\u2018investm<span class=\"_ _0\"></span>ent grade<span class=\"_ _0\"></span>\u2019 and <span class=\"ls5 ws7\">the <span class=\"_ _15\"> </span><span class=\"ls6 ws37\">loss allowa<span class=\"_ _1\"></span>nce in respect of ba<span class=\"_ _1\"></span>lances with th<span class=\"_ _1\"></span>e Central Bank<span class=\"_ _1\"></span> of Malta<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls1b ws6\">and </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs452\">treasury<span class=\"_ _1\"></span> bills<span class=\"ls1 ws1\"> </span><span class=\"ls5\">was<span class=\"_ _1\"></span> </span><span class=\"ws8\">insignificant<span class=\"_ _1\"></span><span class=\"ls1 ws1\">. </span></span></div><div class=\"gsb6\"><table class=\"s w1f9 h1b8\" id=\"_55afcf35-09b4-47fd-a261-1c9315e12140\"><tr><td></td><td></td><td class=\"c x301 y1ede we4 h97\"><div class=\"t m0 x25 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> 2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x301 y1edf we5 he6\"><div class=\"t m0 x10b h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></div></td><td class=\"c x302 y1edf w5b he6\"><div class=\"t m0 x80 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x303 y1edf we6 he6\"><div class=\"t m0 x80 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x304 h29 y1ee0 ff3 fs8 fc0 sc0 ls1 ws1\">12-month </td><td class=\"t m0 x305 h29 y1ee0 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x306 h29 y1ee0 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"_ _bc\"> </span></td><td></td></tr><tr><td></td><td class=\"c x301 y1edf we5 he6\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x302 y1edf w5b he6\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x303 y1edf we6 he6\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x307 y1edf we7 he6\"><div class=\"t m0 xd4 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x301 y1ee1 we5 h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x302 y1ee1 w5b h97\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x303 y1ee1 we6 h97\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x307 y1ee1 we7 h97\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x308 y1ee2 we3 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at FVOCI<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1ee3 we3 h95\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ee3 we5 h95\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,818<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee3 w5b h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee3 we6 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee3 we7 h95\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,818 </div></td></tr><tr><td class=\"c x308 y1ee4 we3 h94\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ee4 we5 h94\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">143,779<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee4 w5b h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee4 we6 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee4 we7 h94\"><div class=\"t m0 x7e h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">143,779 </div></td></tr><tr><td class=\"c x308 y1ee5 we3 h95\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6f ws113\">BBB+ to BBB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ee5 we5 h95\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">9,600<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee5 w5b h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee5 we6 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee5 we7 h95\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">9,600 </div></td></tr><tr><td class=\"c x308 y1ee6 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1ee6 we5 h94\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">9,758<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee6 w5b h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee6 we6 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee6 we7 h94\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">9,758 </div></td></tr><tr><td class=\"c x308 y1ee7 we3 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Carrying amount <span class=\"ws1\">\u2013 <span class=\"ls27 ws97\">fair v<span class=\"_ _1\"></span>alue</span></span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ee7 we5 h96\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">168,955<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee7 w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee7 we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee7 we7 h96\"><div class=\"t m0 x7e h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">168,955 </div></td></tr><tr><td class=\"c x308 y1ee8 we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1ee8 we5 h97\"><div class=\"t m0 x8f h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(2<span class=\"ls1 ws1\">19</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x302 y1ee8 w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee8 we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee8 we7 h97\"><div class=\"t m0 xcb h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(2<span class=\"ls1 ws1\">19</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x308 y1ee9 we3 h97\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1eea we3 h96\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1eea we5 h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7,912<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eea w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eea we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eea we7 h96\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7,912 </div></td></tr><tr><td class=\"c x308 y1eeb we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1eeb we5 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">24,157<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eeb w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eeb we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eeb we7 h97\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">24,157<span class=\"ff1\"> </span></div></td></tr><tr><td class=\"c x308 y1eec we3 h96\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x301 y1eec we5 h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,834<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eec w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eec we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eec we7 h96\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,834 </div></td></tr><tr><td class=\"c x308 y1eed we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1eed we5 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eed w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eed we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eed we7 h97\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903 </div></td></tr><tr><td class=\"c x308 y1eee we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1eee we5 h96\"><div class=\"t m0 xce h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13)<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eee w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eee we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eee we7 h96\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13) </div></td></tr><tr><td class=\"c x308 y1eef we3 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Carrying amount <span class=\"ws1\">\u2013 <span class=\"ls4 ws9a\">net of loss a<span class=\"_ _1\"></span>llowance</span></span><span class=\"ws1\"><span class=\"ls4 ws9a\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1eef we5 h96\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eef w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eef we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eef we7 h96\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890 </div></td></tr><tr><td class=\"c x308 y1ef0 we3 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to banks at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1ef1 we3 h97\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ef1 we5 h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,466<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef1 w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef1 we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef1 we7 h97\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,466 </div></td></tr><tr><td class=\"c x308 y1ef2 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x301 y1ef2 we5 h96\"><div class=\"t m0 x69 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">35,037<span class=\"_ _bc\"> </span></div></td><td class=\"c x302 y1ef2 w5b h96\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x303 y1ef2 we6 h96\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-</div></td><td class=\"c x307 y1ef2 we7 h96\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">35,037 </div></td></tr><tr><td class=\"c x308 y1ef3 we3 h97\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6f ws113\">BBB+ to BBB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ef3 we5 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,949<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef3 w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef3 we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef3 we7 h97\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,949 </div></td></tr><tr><td class=\"c x308 y1ef4 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Low<span class=\"_ _1\"></span>er than BB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1ef4 we5 h96\"><div class=\"t m0 x14 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef4 w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef4 we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef4 we7 h96\"><div class=\"t m0 x49 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7 </div></td></tr><tr><td class=\"c x308 y1ef5 we3 h95\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x301 y1ef5 we5 h95\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">1,4<span class=\"ls1 ws1\">75</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x302 y1ef5 w5b h95\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef5 we6 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef5 we7 h95\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">1,4<span class=\"ls1 ws1\">80</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x308 y1ef6 we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1ef6 we5 h95\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,934<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef6 w5b h95\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef6 we6 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef6 we7 h95\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,939 </div></td></tr><tr><td class=\"c x308 y1ef7 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1ef7 we5 h94\"><div class=\"t m0 x14e h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(3)<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef7 w5b h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef7 we6 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef7 we7 h94\"><div class=\"t m0 xb5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> (3) </div></td></tr><tr><td class=\"c x308 y1ef8 we3 h94\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Carrying amount <span class=\"ws1\">\u2013 <span class=\"ls4 ws9a\">net of loss a<span class=\"_ _1\"></span>llowance</span></span><span class=\"ws1\"><span class=\"ls4 ws9a\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ef8 we5 h94\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,931<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef8 w5b h94\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef8 we6 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef8 we7 h94\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,936 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs455\">Unrate<span class=\"_ _0\"></span>d debt sec<span class=\"_ _0\"></span>uritie<span class=\"_ _0\"></span>s primarily r<span class=\"_ _0\"></span>epre<span class=\"_ _0\"></span>sent bonds liste<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> Malta S<span class=\"_ _0\"></span>tock Exc<span class=\"_ _0\"></span>hange w<span class=\"_ _0\"></span>hich are<span class=\"_ _0\"></span> unrated </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs456\">by intern<span class=\"_ _1\"></span>ational credit<span class=\"_ _1\"></span> rating agencies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1fa h1b9\" id=\"_8dbba6d7-d5fb-46f3-9a02-3ae7b6162654\"><tr><td></td><td></td><td class=\"c x301 y1ef9 we4 h95\"><div class=\"t m0 x25 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> 2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x301 y1efa we5 hec\"><div class=\"t m0 x10b h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x302 y1efa w5b hec\"><div class=\"t m0 x80 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x303 y1efa we6 hec\"><div class=\"t m0 x80 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x304 h25 y1efb ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span> </td><td class=\"t m0 x305 h25 y1efb ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x306 h25 y1efb ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _bc\"> </span></td><td></td></tr><tr><td></td><td class=\"c x301 y1efa we5 hec\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"_ _bc\"> </span></div></td><td class=\"c x302 y1efa w5b hec\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"_ _bc\"> </span></div></td><td class=\"c x303 y1efa we6 hec\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1efa we7 hec\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x301 y1efc we5 h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x302 y1efc w5b h95\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x303 y1efc we6 h95\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x307 y1efc we7 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x308 y1efd we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at FVO<span class=\"_ _1\"></span>CI<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1efe we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1efe we5 h95\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">11,423<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1efe w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1efe we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1efe we7 h95\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">11,423 </div></td></tr><tr><td class=\"c x308 y1eff we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1eff we5 h94\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">144,140<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1eff w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1eff we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1eff we7 h94\"><div class=\"t m0 x7e h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">144,140 </div></td></tr><tr><td class=\"c x308 y1f00 we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws113\">BBB+ to BBB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f00 we5 h95\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,312<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f00 w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f00 we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f00 we7 h95\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,312 </div></td></tr><tr><td class=\"c x308 y1f01 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f01 we5 h94\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,821<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f01 w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f01 we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f01 we7 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,821 </div></td></tr><tr><td class=\"c x308 y1f02 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t <span class=\"ls1\">\u2013 <span class=\"ls28 ws0\">fair valu<span class=\"_ _1\"></span>e</span></span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f02 we5 h96\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">176,696<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f02 w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f02 we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f02 we7 h96\"><div class=\"t m0 x7e h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">176,696 </div></td></tr><tr><td class=\"c x308 y1f03 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f03 we5 h96\"><div class=\"t m0 x8f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(224)<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f03 w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f03 we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f03 we7 h96\"><div class=\"t m0 xcb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(224) </div></td></tr><tr><td class=\"c x308 y1f04 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at amo<span class=\"_ _1\"></span>rtised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1f05 we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f05 we5 h97\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,480<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f05 w5b h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f05 we6 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f05 we7 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,480 </div></td></tr><tr><td class=\"c x308 y1f06 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f06 we5 h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,015<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f06 w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f06 we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f06 we7 h96\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,015 </div></td></tr><tr><td class=\"c x308 y1f07 we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f07 we5 h97\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,637<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f07 w5b h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f07 we6 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f07 we7 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,637 </div></td></tr><tr><td class=\"c x308 y1f08 we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f08 we5 h97\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f08 w5b h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f08 we6 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f08 we7 h97\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132 </div></td></tr><tr><td class=\"c x308 y1f09 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f09 we5 h96\"><div class=\"t m0 xce h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(25)<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f09 w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f09 we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f09 we7 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(25) </div></td></tr><tr><td class=\"c x308 y1f0a we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t <span class=\"ls1\">\u2013 <span class=\"ls28 ws0\">net of<span class=\"_ _1\"></span> loss allowa<span class=\"_ _1\"></span>nce</span></span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0a we5 h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0a w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0a we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0a we7 h96\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107 </div></td></tr><tr><td class=\"c x308 y1f0b we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks at am<span class=\"_ _1\"></span>ortised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1f0c we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0c we5 h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,215<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0c w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0c we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0c we7 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,215 </div></td></tr><tr><td class=\"c x308 y1f0d we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0d we5 h94\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">34,141<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0d w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0d we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0d we7 h94\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">34,141 </div></td></tr><tr><td class=\"c x308 y1f0e we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws113\">BBB+ to BBB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0e we5 h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,153<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0e w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0e we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0e we7 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,153 </div></td></tr><tr><td class=\"c x308 y1f0f we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Low<span class=\"_ _1\"></span>er than BB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0f we5 h94\"><div class=\"t m0 x14 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0f w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0f we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0f we7 h94\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1 </div></td></tr><tr><td class=\"c x308 y1f10 we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f10 we5 h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,463<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f10 w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f10 we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f10 we7 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,463 </div></td></tr><tr><td class=\"c x308 y1f11 we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f11 we5 h95\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,973<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f11 w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f11 we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f11 we7 h95\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,973 </div></td></tr><tr><td class=\"c x308 y1f12 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f12 we5 h94\"><div class=\"t m0 x106 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(9)<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f12 w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f12 we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f12 we7 h94\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> (9) </div></td></tr><tr><td class=\"c x308 y1f13 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t <span class=\"ls1\">\u2013 <span class=\"ls28 ws0\">net of<span class=\"_ _1\"></span> loss allowa<span class=\"_ _1\"></span>nce</span></span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f13 we5 h94\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,964<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f13 w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f13 we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f13 we7 h94\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,964 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs459\"> <span class=\"_ _24\"> </span><span class=\"ls6 ws7\"></span><span class=\"ls6 ws7\"></span><span class=\"ls6 ws7\">As at 31 Dece<span class=\"_ _1\"></span>mber 202</span>5 <span class=\"ls6 ws7\">and<span class=\"_ _1\"></span> 202</span>4<span class=\"ls5 ws6\">, ther<span class=\"_ _1\"></span>e were n<span class=\"_ _1\"></span>o pu<span class=\"_ _1\"></span>rchas<span class=\"_ _1\"></span>ed credi<span class=\"_ _1\"></span>t</span>-<span class=\"ls5 ws6\">impair<span class=\"_ _1\"></span>ed as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>.</span>  </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs45a\">After th<span class=\"_ _1\"></span>e end of t<span class=\"_ _1\"></span>he repo<span class=\"_ _1\"></span>rting p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> there were n<span class=\"_ _1\"></span>o sign<span class=\"_ _1\"></span>ificant<span class=\"_ _1\"></span> chan<span class=\"_ _1\"></span>ges in c<span class=\"_ _1\"></span>redit ra<span class=\"_ _1\"></span>tings refl<span class=\"_ _1\"></span>ected in<span class=\"_ _1\"></span> the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs45b\">tables ab<span class=\"_ _1\"></span>ove which ha<span class=\"_ _1\"></span>ve a material impact o<span class=\"_ _1\"></span>n the credit qu<span class=\"_ _1\"></span>ality of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>ets.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs45c\">2.3.8<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls7\">Information on credit<span class=\"_ _0\"></span> quality of loans and advances to cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>rs <span class=\"ls1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsc gs45d\">The Bank manage<span class=\"_ _0\"></span>s the credit quali<span class=\"_ _0\"></span>ty of its loan<span class=\"_ _0\"></span>s and advan<span class=\"_ _0\"></span>ces to customer<span class=\"_ _0\"></span>s by using int<span class=\"_ _0\"></span>ernal risk grade<span class=\"_ _0\"></span>s, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs45e\">which prov<span class=\"_ _1\"></span>ide a progress<span class=\"_ _1\"></span>ively increasing ris<span class=\"_ _1\"></span>k profile rangin<span class=\"_ _1\"></span>g from \u2018P1\u2019 (best q<span class=\"_ _1\"></span>uality, less ri<span class=\"_ _1\"></span>sky) to \u2018NP\u2019. These </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsec gs45f\">risk grades are<span class=\"_ _0\"></span> an essential<span class=\"_ _0\"></span> tool f<span class=\"_ _0\"></span>o<span class=\"ls8 ws7a\">r the Ba<span class=\"_ _0\"></span>nk to<span class=\"_ _0\"></span> identi<span class=\"_ _0\"></span>fy both<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls5 ws73\">performin<span class=\"_ _1\"></span>g expos<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>nd bett<span class=\"_ _1\"></span>er</span>-<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs460\">performi<span class=\"_ _1\"></span>ng cu<span class=\"_ _1\"></span>sto<span class=\"_ _1\"></span>mers. The i<span class=\"_ _1\"></span>nter<span class=\"_ _1\"></span>nal ris<span class=\"_ _1\"></span>k grad<span class=\"_ _1\"></span>es us<span class=\"_ _1\"></span>ed by th<span class=\"_ _1\"></span>e Bank are a<span class=\"_ _1\"></span>s follo<span class=\"_ _1\"></span>ws:<span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs461\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs462\">Perfor<span class=\"_ _1\"></span>ming: In<span class=\"_ _1\"></span>terna<span class=\"_ _1\"></span>l grade \u2018<span class=\"_ _1\"></span>P1\u2019<span class=\"_ _1\"></span>;<span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs463\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs464\">Under pe<span class=\"_ _0\"></span>rformi<span class=\"_ _0\"></span>ng: Inte<span class=\"_ _0\"></span>rnal grade<span class=\"_ _0\"></span>s \u2018P2\u2019, \u2018P3<span class=\"_ _0\"></span>\u2019 and \u2018P<span class=\"_ _0\"></span>F\u2019; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs465\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs466\">Non<span class=\"ls1 ws1\">-<span class=\"lsa ws44\">performing: Internal grade</span>s <span class=\"lsb ws24\">\u2018NP\u2019, \u2018NF\u2019 and \u2018NR\u2019.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div>P1<span class=\"ls1 ws1\"> </span>The Bank\u2019s lo<span class=\"_ _1\"></span>ans and advances<span class=\"_ _1\"></span> to customers which a<span class=\"_ _1\"></span>re categorised as \u2018P1\u2019 are pri<span class=\"_ _1\"></span>ncipally debts in respect of whic<span class=\"_ _0\"></span>h the payme<span class=\"_ _0\"></span>nt of inte<span class=\"_ _0\"></span>rest and/or c<span class=\"_ _0\"></span>apital is not<span class=\"_ _0\"></span> overd<span class=\"_ _0\"></span>ue by 30 da<span class=\"_ _0\"></span>ys and no rece<span class=\"_ _0\"></span>nt history of<span class=\"_ _0\"></span> custom<span class=\"_ _0\"></span>er defaul<span class=\"_ _1\"></span>t exist<span class=\"_ _1\"></span>s. Man<span class=\"_ _1\"></span>agemen<span class=\"_ _1\"></span>t does<span class=\"_ _1\"></span> not<span class=\"_ _1\"></span> expect<span class=\"ls1 ws1\"> </span>a<span class=\"_ _1\"></span>ny lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> from non<span class=\"ls1 ws1\">-</span>per<span class=\"_ _1\"></span>forma<span class=\"_ _1\"></span>nce by<span class=\"_ _1\"></span> these cu<span class=\"_ _1\"></span>sto<span class=\"_ _1\"></span>mers.<span class=\"ls1 ws1\"> </span>P2<span class=\"ls1 ws1\"> </span>Loans and<span class=\"_ _1\"></span> advances which<span class=\"_ _1\"></span> attract a \u2018P2\u2019 grading are those which are receivin<span class=\"_ _1\"></span>g the close att<span class=\"_ _1\"></span>ention of the Bank\u2019s manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt and are being r<span class=\"_ _0\"></span>eviewe<span class=\"_ _0\"></span>d periodic<span class=\"_ _0\"></span>ally in order<span class=\"_ _0\"></span> to determ<span class=\"_ _0\"></span>ine whether<span class=\"_ _0\"></span> such advances sho<span class=\"_ _1\"></span>uld be recl<span class=\"_ _1\"></span>assi<span class=\"_ _1\"></span>fied to eit<span class=\"_ _1\"></span>her th<span class=\"_ _1\"></span>e \u2018P1\u2019 o<span class=\"_ _1\"></span>r the \u2018P3\u2019<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls6 wsd\">classification<span class=\"_ _1\"></span>. Credit facilities th<span class=\"_ _1\"></span>at attract this<span class=\"_ _1\"></span> category </span></span>include<span class=\"_ _0\"></span> those whe<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span> paym<span class=\"_ _0\"></span>ent of i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st and/or c<span class=\"_ _0\"></span>apital<span class=\"_ _0\"></span> becom<span class=\"_ _0\"></span>es over<span class=\"_ _0\"></span>due by 30 da<span class=\"_ _0\"></span>ys and o<span class=\"_ _0\"></span>ver but<span class=\"_ _0\"></span> not exceeding 60 da<span class=\"_ _1\"></span>ys.<span class=\"ls1 ws1\"> </span>P3<span class=\"ls1 ws1\"> </span>Loans and advanc<span class=\"_ _0\"></span>es whi<span class=\"_ _0\"></span>ch attrac<span class=\"_ _0\"></span>t a \u2018P3\u2019 g<span class=\"_ _0\"></span>rading ar<span class=\"_ _0\"></span>e those having the<span class=\"_ _0\"></span> we<span class=\"_ _0\"></span>aknesses inhe<span class=\"_ _0\"></span>rent in those<span class=\"_ _0\"></span> loans and advances c<span class=\"_ _0\"></span>lassifie<span class=\"_ _0\"></span>d as \u2018P2\u2019<span class=\"_ _0\"></span> with t<span class=\"_ _0\"></span>he added c<span class=\"_ _0\"></span>haracte<span class=\"_ _0\"></span>ristics that re<span class=\"_ _0\"></span>payme<span class=\"_ _0\"></span>nt is inade<span class=\"_ _0\"></span>quately pro<span class=\"_ _0\"></span>tecte<span class=\"_ _0\"></span>d by the curr<span class=\"_ _0\"></span>ent sound wor<span class=\"_ _0\"></span>th and paying c<span class=\"_ _0\"></span>apacity o<span class=\"ls7 ws29\">f<span class=\"_ _0\"></span> the borrower. Loans and advances so gra<span class=\"_ _0\"></span>ded have a well<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span>defined<span class=\"_ _1\"></span> weak<span class=\"_ _1\"></span>ness o<span class=\"_ _1\"></span>r weakn<span class=\"_ _1\"></span>ess<span class=\"_ _1\"></span>es tha<span class=\"_ _1\"></span>t coul<span class=\"_ _1\"></span>d jeop<span class=\"_ _1\"></span>ardis<span class=\"_ _1\"></span>e the repay<span class=\"_ _1\"></span>ment of t<span class=\"_ _1\"></span>he deb<span class=\"_ _1\"></span>t. Th<span class=\"_ _1\"></span>ey ar<span class=\"_ _1\"></span>e chara<span class=\"_ _1\"></span>cterised<span class=\"_ _1\"></span> by the disti<span class=\"_ _1\"></span>nct possibility tha<span class=\"_ _1\"></span>t the Bank will sustain some loss<span class=\"_ _1\"></span> if the deficiencies are not cor<span class=\"ls5 ws1a\">r<span class=\"_ _1\"></span>ected. Cred<span class=\"_ _1\"></span>it </span>facilities tha<span class=\"_ _1\"></span>t attract th<span class=\"_ _1\"></span>is category in<span class=\"_ _1\"></span>clude thos<span class=\"_ _1\"></span>e where the paymen<span class=\"_ _1\"></span>t of interest an<span class=\"_ _1\"></span>d/or capital<span class=\"_ _1\"></span> becomes<span class=\"_ _1\"></span> overdue by 6<span class=\"_ _0\"></span>0 days and o<span class=\"_ _11\"></span>v<span class=\"_ _1\"></span>er but not<span class=\"_ _0\"></span> exce<span class=\"_ _0\"></span>eding 9<span class=\"_ _0\"></span>0 days.<span class=\"ls1 ws1\"> </span>PF<span class=\"ls1 ws1\"> </span>Loans and advances which attract a \u2018PF\u2019 grading<span class=\"_ _0\"></span> are those facilities (othe<span class=\"_ _0\"></span>r than Non<span class=\"ls1 ws1\">-<span class=\"ls5 ws45\">Per<span class=\"_ _1\"></span>formi<span class=\"_ _1\"></span>ng Exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res) </span></span>in res<span class=\"_ _1\"></span>pect of<span class=\"_ _1\"></span> which<span class=\"_ _1\"></span> forb<span class=\"_ _1\"></span>eara<span class=\"_ _1\"></span>nce mea<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> have b<span class=\"_ _1\"></span>een ex<span class=\"_ _1\"></span>tended<span class=\"_ _1\"></span>. Forb<span class=\"_ _1\"></span>eara<span class=\"_ _1\"></span>nce mea<span class=\"_ _1\"></span>su<span class=\"_ _1\"></span>res con<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span> of concessions towards a debto<span class=\"_ _0\"></span>r faci<span class=\"_ _0\"></span>ng or about to face dif<span class=\"_ _0\"></span><span class=\"ls6 ws27\">ficulties<span class=\"_ _1\"></span> in meeting its<span class=\"_ _1\"></span> financial commit<span class=\"_ _1\"></span>ments </span>(financial d<span class=\"_ _1\"></span>ifficulties).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>A concession is deem<span class=\"_ _0\"></span>ed to have taken place<span class=\"_ _0\"></span> when any of the f<span class=\"_ _0\"></span>ollowing two acti<span class=\"_ _0\"></span>ons are taken;<span class=\"ls1\"> </span>(a) a m<span class=\"_ _0\"></span>odific<span class=\"_ _0\"></span>ation of<span class=\"_ _0\"></span> the pre<span class=\"_ _0\"></span>vious terms and co<span class=\"_ _0\"></span>nditio<span class=\"_ _0\"></span>ns of a <span class=\"_ _0\"></span>contract<span class=\"_ _0\"></span>, as the debt<span class=\"_ _0\"></span>or i<span class=\"_ _0\"></span>s conside<span class=\"_ _0\"></span>red unabl<span class=\"_ _0\"></span>e to<span class=\"_ _0\"></span> comply there<span class=\"_ _1\"></span>with, due to<span class=\"_ _1\"></span> its fina<span class=\"_ _1\"></span>ncial difficulti<span class=\"_ _1\"></span>es (\u2018trou<span class=\"_ _1\"></span>bled debt\u2019) to<span class=\"_ _1\"></span> allow for suff<span class=\"_ _1\"></span>icient debt<span class=\"_ _1\"></span> service ability<span class=\"_ _1\"></span>, that would no<span class=\"_ _0\"></span>t have<span class=\"_ _0\"></span> been gr<span class=\"_ _0\"></span>anted had the<span class=\"_ _0\"></span> debtor not<span class=\"_ _11\"></span> been in financi<span class=\"_ _0\"></span>al diff<span class=\"_ _0\"></span>iculti<span class=\"_ _0\"></span>es; and/<span class=\"_ _0\"></span>or<span class=\"ls1 ws1\"> </span>(b) a total<span class=\"_ _11\"></span> or partial re<span class=\"_ _0\"></span>financ<span class=\"_ _0\"></span>ing of<span class=\"_ _0\"></span> a troubl<span class=\"_ _0\"></span>ed de<span class=\"_ _0\"></span>bt contr<span class=\"_ _0\"></span>act,<span class=\"_ _0\"></span> that w<span class=\"_ _0\"></span>ould not<span class=\"_ _0\"></span> have be<span class=\"_ _0\"></span>en gr<span class=\"_ _0\"></span>anted ha<span class=\"_ _0\"></span>d the<span class=\"_ _11\"></span> debtor not be<span class=\"_ _0\"></span>en in f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> diff<span class=\"_ _0\"></span>iculties.<span class=\"ls1 ws1\"> </span>NP<span class=\"ls1 ws1\"> </span>Loans and advances which attract a \u2018NP\u2019 g<span class=\"_ _0\"></span>rading are those f<span class=\"_ _0\"></span>acilitie<span class=\"_ _0\"></span>s where the Bank deems the recoverability<span class=\"_ _1\"></span> of principa<span class=\"_ _1\"></span>l to be re<span class=\"_ _1\"></span>mote as a resu<span class=\"_ _1\"></span>lt of worsen<span class=\"_ _1\"></span>ing cond<span class=\"_ _1\"></span>itions of lo<span class=\"_ _1\"></span>ans and<span class=\"_ _1\"></span> advances clas<span class=\"_ _1\"></span>sified as \u2018P3\u2019. Cred<span class=\"_ _1\"></span>it facilities t<span class=\"_ _1\"></span>hat attra<span class=\"_ _1\"></span>ct this categor<span class=\"ls8 ws18\">y include those whe<span class=\"_ _0\"></span>re the payme<span class=\"_ _0\"></span>nt of inter<span class=\"_ _0\"></span>est and/or capi<span class=\"_ _0\"></span>tal </span>becom<span class=\"_ _0\"></span>es overdue<span class=\"_ _0\"></span> by 90 days and ove<span class=\"_ _0\"></span>r. Ac<span class=\"_ _0\"></span>cordingl<span class=\"_ _0\"></span>y, these<span class=\"_ _0\"></span> loans and advanc<span class=\"_ _0\"></span>es are<span class=\"_ _0\"></span> gene<span class=\"_ _0\"></span>rally past d<span class=\"_ _0\"></span>ue by<span class=\"_ _0\"></span> more t<span class=\"_ _0\"></span>han 90 days and co<span class=\"_ _0\"></span>mpr<span class=\"_ _0\"></span>ise those<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s which ar<span class=\"_ _0\"></span>e deem<span class=\"_ _0\"></span>ed by the B<span class=\"_ _0\"></span>ank as cre<span class=\"_ _0\"></span>dit<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">impaired<span class=\"_ _1\"></span></span> <span class=\"_ _1\"></span><span class=\"ls78 ws13b\">(see </span></span>definition in<span class=\"_ _1\"></span> note 2.3.4.2).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>NF<span class=\"ls1 ws1\"> </span>Loans and advances which attract a \u2018NF<span class=\"_ _0\"></span>\u2019 grading are cr<span class=\"_ _0\"></span>edit<span class=\"ls1 ws1\">-<span class=\"ls5 ws1a\">impair<span class=\"_ _1\"></span>ed fac<span class=\"_ _1\"></span>iliti<span class=\"_ _1\"></span>es wher<span class=\"_ _1\"></span>e the<span class=\"_ _1\"></span> Bank d<span class=\"_ _1\"></span>eems th<span class=\"_ _1\"></span>e </span></span>recover<span class=\"_ _1\"></span>abilit<span class=\"_ _1\"></span>y to b<span class=\"_ _1\"></span>e remote <span class=\"_ _1\"></span>as a r<span class=\"_ _1\"></span>esult o<span class=\"_ _1\"></span>f worsen<span class=\"_ _1\"></span>ing cond<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span>s but<span class=\"ls1 ws1\">  </span>in resp<span class=\"_ _1\"></span>ect of<span class=\"ls1 ws1\">  <span class=\"ls6 ws8\">which <span class=\"_ _15\"> </span><span class=\"ls7 ws4e\">forbearance</span></span> </span>measu<span class=\"_ _1\"></span>res ha<span class=\"_ _1\"></span>ve be<span class=\"_ _1\"></span>en ext<span class=\"_ _1\"></span>ended.<span class=\"_ _1\"></span> Forbea<span class=\"_ _1\"></span>ranc<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ures c<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>ist o<span class=\"_ _1\"></span>f conces<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s towa<span class=\"_ _1\"></span>rds a<span class=\"_ _1\"></span> debto<span class=\"_ _1\"></span>r facing<span class=\"_ _1\"></span> difficulti<span class=\"_ _1\"></span>es in meeting its fina<span class=\"_ _1\"></span>ncial com<span class=\"_ _1\"></span>mitments<span class=\"_ _bc\"> </span><span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws16 gs468\">NR<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs469\">Loans and advanc<span class=\"_ _0\"></span>es whi<span class=\"_ _0\"></span>ch attract a \u2018NR<span class=\"_ _0\"></span>\u2019 grading<span class=\"_ _0\"></span> are credit<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">impaired<span class=\"_ _1\"></span> faci<span class=\"_ _1\"></span>lities<span class=\"_ _1\"></span> wher<span class=\"_ _1\"></span>e the B<span class=\"_ _1\"></span>ank d<span class=\"_ _1\"></span>eems<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs46a\">recovery to b<span class=\"_ _1\"></span>e remote as a result of worsen<span class=\"_ _1\"></span>ing conditio<span class=\"_ _1\"></span>ns and where legal action a<span class=\"_ _1\"></span>gainst the obligo<span class=\"_ _1\"></span>r has </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs46b\">commen<span class=\"_ _1\"></span>ced.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsf gs46c\">The foll<span class=\"_ _0\"></span>owing table sets out <span class=\"_ _0\"></span>informati<span class=\"_ _0\"></span>on about the credit<span class=\"_ _0\"></span> quality of the<span class=\"_ _0\"></span> Bank\u2019s loan<span class=\"_ _0\"></span>s and advances to<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs46d\">cust<span class=\"_ _1\"></span>omers mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at amor<span class=\"_ _1\"></span>tised<span class=\"_ _1\"></span> cost.<span class=\"_ _1\"></span> Explan<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the terms: 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>month<span class=\"_ _1\"></span> ECL,<span class=\"_ _1\"></span> lifetim<span class=\"_ _1\"></span>e ECL a<span class=\"_ _1\"></span>nd cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs46e\">impaired are inclu<span class=\"_ _1\"></span>ded in no<span class=\"_ _1\"></span>te 2.3.4.3.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w1fb h1ba\" id=\"_579f0ea7-a436-46c0-89df-09d9669ce422\"><tr><td></td><td></td><td class=\"c x309 y1f14 wea hc3\"><div class=\"t m0 x3e he1 y94f ff3 fs14 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x309 y1f15 w53 hee\"><div class=\"t m0 xe5 h29 y1089 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">Stage 1 </span> </div></td><td class=\"c x30a y1f15 wa5 hee\"><div class=\"t m0 x113 h29 y1089 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 <span class=\"ws1\"> </span></div></td><td class=\"c x30b y1f15 w54 hee\"><div class=\"t m0 x113 h29 y1089 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 <span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x309 y1f15 w53 hee\"><div class=\"t m0 x84 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws0\">month ECL</span><span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f15 wa5 hee\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls3 ws109\">Lifetim<span class=\"_ _0\"></span>e ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30b y1f15 w54 hee\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls3 ws109\">Lifetim<span class=\"_ _0\"></span>e ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30c y1f15 wa7 hee\"><div class=\"t m0 xcb h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x309 y1f16 w53 hef\"><div class=\"t m0 xd8 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f16 wa5 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30b y1f16 w54 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30c y1f16 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f17 we9 hef\"><div class=\"t m0 xd h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f18 we9 hf2\"><div class=\"t m0 xd h35 y94f ff6 fs8 fc0 sc0 ls6b ws13c\">Corpor<span class=\"_ _0\"></span>ate and comm<span class=\"_ _0\"></span>erc<span class=\"_ _0\"></span>ial<span class=\"ff13 ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f19 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f19 w53 hf1\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">420,563<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f19 wa5 hf1\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">6,269<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f19 w54 hf1\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f19 wa7 hf1\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">426,832 </div></td></tr><tr><td class=\"c x2f8 y1f1a we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1a w53 hf2\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1a wa5 hf2\"><div class=\"t m0 xd4 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">121,783<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1a w54 hf2\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1a wa7 hf2\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">121,783 </div></td></tr><tr><td class=\"c x2f8 y1f1b we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1b w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1b wa5 hf1\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">4,388<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1b w54 hf1\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1b wa7 hf1\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">4,388 </div></td></tr><tr><td class=\"c x2f8 y1f1c we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1c w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1c wa5 hef\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">16,296<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1c w54 hef\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1c wa7 hef\"><div class=\"t m0 xdb h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">16,296 </div></td></tr><tr><td class=\"c x2f8 y1f1d we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1d w53 hf0\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1d wa5 hf0\"><div class=\"t m0 x46 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1d w54 hf0\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">1,324<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1d wa7 hf0\"><div class=\"t m0 x113 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">1,324 </div></td></tr><tr><td class=\"c x2f8 y1f1e we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1e w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1e wa5 hef\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1e w54 hef\"><div class=\"t m0 x1d h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">32,879<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1e wa7 hef\"><div class=\"t m0 xdb h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">32,879 </div></td></tr><tr><td class=\"c x2f8 y1f1f we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1f w53 hf0\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1f wa5 hf0\"><div class=\"t m0 x46 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1f w54 hf0\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,344<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1f wa7 hf0\"><div class=\"t m0 x113 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,344 </div></td></tr><tr><td class=\"c x2f8 y1f20 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f20 w53 hef\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">420,563<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f20 wa5 hef\"><div class=\"t m0 xd4 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">148,736<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f20 w54 hef\"><div class=\"t m0 x1d h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">39,547<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f20 wa7 hef\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">608,846 </div></td></tr><tr><td class=\"c x2f8 y1f21 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f21 w53 hf0\"><div class=\"t m0 xd9 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">(399)<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f21 wa5 hf0\"><div class=\"t m0 x4f h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">(639)<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f21 w54 hf0\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">(5,735)<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f21 wa7 hf0\"><div class=\"t m0 x90 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">(<span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\">6,7</span>73) </div></td></tr><tr><td class=\"c x2f8 y1f22 we9 hf0\"><div class=\"t m0 xd h35 y94f ff3 fs8 fc0 sc0 ls28 ws0\">Carry<span class=\"_ _1\"></span>ing amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f22 w53 hf0\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">420,164<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f22 wa5 hf0\"><div class=\"t m0 xd4 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">148,097<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f22 w54 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">33,812<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f22 wa7 hf0\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">602,073 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w1fc h1bb\" id=\"_af111243-fbd5-4ee8-92b4-c570b28406df\"><tr><td class=\"c x2f8 y1f23 we9 hef\"><div class=\"t m0 xd h35 y9db ff6 fs8 fc0 sc0 ls6b ws111\">Person<span class=\"_ _0\"></span>al<span class=\"ff13 ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f24 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f24 w53 hf0\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">317,472<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f24 wa5 hf0\"><div class=\"t m0 x49 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">239<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f24 w54 hf0\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f24 wa7 hf0\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">317,711 </div></td></tr><tr><td class=\"c x2f8 y1f25 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f25 w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f25 wa5 hef\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2,884<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f25 w54 hef\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f25 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2,884 </div></td></tr><tr><td class=\"c x2f8 y1f26 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f26 w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f26 wa5 hf1\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">513<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f26 w54 hf1\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f26 wa7 hf1\"><div class=\"t m0 x26 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">513 </div></td></tr><tr><td class=\"c x2f8 y1f27 we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f27 w53 hf2\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f27 wa5 hf2\"><div class=\"t m0 x49 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f27 w54 hf2\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f27 wa7 hf2\"><div class=\"t m0 x26 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">147 </div></td></tr><tr><td class=\"c x2f8 y1f28 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f28 w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f28 wa5 hf1\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f28 w54 hf1\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">1,044<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f28 wa7 hf1\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">1,044 </div></td></tr><tr><td class=\"c x2f8 y1f29 we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f29 w53 hf2\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f29 wa5 hf2\"><div class=\"t m0 x46 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f29 w54 hf2\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,230<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f29 wa7 hf2\"><div class=\"t m0 x113 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,230 </div></td></tr><tr><td class=\"c x2f8 y1f2a we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2a w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2a wa5 hf1\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2a w54 hf1\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">101<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2a wa7 hf1\"><div class=\"t m0 x26 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">101 </div></td></tr><tr><td class=\"c x2f8 y1f2b we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2b w53 hf1\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">317,472<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2b wa5 hf1\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">3,783<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2b w54 hf1\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">6,375<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2b wa7 hf1\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">327,630 </div></td></tr><tr><td class=\"c x2f8 y1f2c we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2c w53 hef\"><div class=\"t m0 xd9 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(279)<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2c wa5 hef\"><div class=\"t m0 x4f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(115)<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2c w54 hef\"><div class=\"t m0 x4f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(189)<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2c wa7 hef\"><div class=\"t m0 x35 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(583) </div></td></tr><tr><td class=\"c x2f8 y1f2d we9 hf1\"><div class=\"t m0 xd h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Carry<span class=\"_ _1\"></span>ing amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2d w53 hf1\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">317,193<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2d wa5 hf1\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">3,668<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2d w54 hf1\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">6,186<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2d wa7 hf1\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">327,047 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w1fd h1bc\" id=\"_5e6191a5-b681-43f9-93cb-45ebb3dd068c\"><tr><td class=\"c x2f8 y1f2e we9 hf1\"><div class=\"t m0 xd h35 y9db ff6 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f2f we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2f w53 hf2\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2f wa5 hf2\"><div class=\"t m0 xd7 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">6,508<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2f w54 hf2\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2f wa7 hf2\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">744,543 </div></td></tr><tr><td class=\"c x2f8 y1f30 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f30 w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f30 wa5 hf1\"><div class=\"t m0 xd4 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">124,667<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f30 w54 hf1\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f30 wa7 hf1\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">124,667 </div></td></tr><tr><td class=\"c x2f8 y1f31 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f31 w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f31 wa5 hef\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">4,901<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f31 w54 hef\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f31 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">4,901 </div></td></tr><tr><td class=\"c x2f8 y1f32 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f32 w53 hf0\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f32 wa5 hf0\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">16,443<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f32 w54 hf0\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f32 wa7 hf0\"><div class=\"t m0 xdb h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">16,443 </div></td></tr><tr><td class=\"c x2f8 y1f33 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f33 w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f33 wa5 hef\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f33 w54 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2,368<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f33 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2,368 </div></td></tr><tr><td class=\"c x2f8 y1f34 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f34 w53 hf0\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f34 wa5 hf0\"><div class=\"t m0 x46 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f34 w54 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">38,109<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f34 wa7 hf0\"><div class=\"t m0 xdb h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">38,109 </div></td></tr><tr><td class=\"c x2f8 y1f35 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f35 w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f35 wa5 hef\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f35 w54 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">5,445<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f35 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">5,445 </div></td></tr><tr><td class=\"c x2f8 y1f36 we9 hf0\"><div class=\"t m0 xd h35 y94f ff3 fs8 fc0 sc0 ls28 ws0\">Gross car<span class=\"_ _1\"></span>rying amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f36 w53 hf0\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f36 wa5 hf0\"><div class=\"t m0 xd4 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">152,519<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f36 w54 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">45,922<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f36 wa7 hf0\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">936,476 </div></td></tr><tr><td class=\"c x2f8 y1f37 we9 hef\"><div class=\"t m0 xd h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Loss a<span class=\"_ _1\"></span>llowance<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f37 w53 hef\"><div class=\"t m0 xd9 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(678)<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f37 wa5 hef\"><div class=\"t m0 x4f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(754)<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f37 w54 hef\"><div class=\"t m0 x35 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(5,924)<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f37 wa7 hef\"><div class=\"t m0 x90 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(7,356) </div></td></tr><tr><td class=\"c x2f8 y1f38 we9 hef\"><div class=\"t m0 xd h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Carry<span class=\"_ _1\"></span>ing amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f38 w53 hef\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">737,357<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f38 wa5 hef\"><div class=\"t m0 xd4 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">151,765<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f38 w54 hef\"><div class=\"t m0 x1d h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">39,998<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f38 wa7 hef\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">929,120 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w1ff h1bf\" id=\"_0a9589be-cdd5-4186-a216-f9081b12cf8f\"><tr><td></td><td></td><td class=\"c x309 y1f4f wea hc3\"><div class=\"t m0 x3e hdc y94f ff1 fs14 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x309 y1f50 w53 hee\"><div class=\"t m0 xe5 h25 y1089 ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls4 ws9a\">Stage 1 </span> </div></td><td class=\"c x30a y1f50 wa5 hee\"><div class=\"t m0 x113 h25 y1089 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x30b y1f50 w54 hee\"><div class=\"t m0 x113 h25 y1089 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 <span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x309 y1f50 w53 hee\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws98\">month E<span class=\"_ _1\"></span>CL</span><span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f50 wa5 hee\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Lifetime E<span class=\"_ _1\"></span>CL<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30b y1f50 w54 hee\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Lifetime E<span class=\"_ _1\"></span>CL<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30c y1f50 wa7 hee\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x309 y1f51 w53 hef\"><div class=\"t m0 xd8 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f51 wa5 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x30b y1f51 w54 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x30c y1f51 wa7 hef\"><div class=\"t m0 x113 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f52 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Loans a<span class=\"_ _1\"></span>nd advances to c<span class=\"_ _1\"></span>ustom<span class=\"_ _1\"></span>ers at amorti<span class=\"_ _1\"></span>sed cost<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f53 we9 hf2\"><div class=\"t m0 xd h35 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f54 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f54 w53 hf1\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">422,210<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f54 wa5 hf1\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2,400<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f54 w54 hf1\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f54 wa7 hf1\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">424,610 </div></td></tr><tr><td class=\"c x2f8 y1f55 we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f55 w53 hf2\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f55 wa5 hf2\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">89,758<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f55 w54 hf2\"><div class=\"t m0 x37 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f55 wa7 hf2\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">89,758 </div></td></tr><tr><td class=\"c x2f8 y1f56 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f56 w53 hf1\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f56 wa5 hf1\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">24,123<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f56 w54 hf1\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f56 wa7 hf1\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">24,123 </div></td></tr><tr><td class=\"c x2f8 y1f57 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f57 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f57 wa5 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">12,146<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f57 w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f57 wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">12,146 </div></td></tr><tr><td class=\"c x2f8 y1f58 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f58 w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f58 wa5 hf0\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f58 w54 hf0\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,316<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f58 wa7 hf0\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,316 </div></td></tr><tr><td class=\"c x2f8 y1f59 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f59 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f59 wa5 hef\"><div class=\"t m0 x46 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f59 w54 hef\"><div class=\"t m0 x1d h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">33,223<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f59 wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">33,223 </div></td></tr><tr><td class=\"c x2f8 y1f5a we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f5a w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f5a wa5 hf0\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f5a w54 hf0\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,601<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f5a wa7 hf0\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,601 </div></td></tr><tr><td class=\"c x2f8 y1f5b we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f5b w53 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">422,210<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f5b wa5 hef\"><div class=\"t m0 xd4 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">128,427<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f5b w54 hef\"><div class=\"t m0 x1d h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">44,140<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f5b wa7 hef\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">594,777 </div></td></tr><tr><td class=\"c x2f8 y1f5c we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f5c w53 hf0\"><div class=\"t m0 xd9 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(712)<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f5c wa5 hf0\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(412)<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f5c w54 hf0\"><div class=\"t m0 x35 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(6,362)<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f5c wa7 hf0\"><div class=\"t m0 x90 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(7,486) </div></td></tr><tr><td class=\"c x2f8 y1f5d we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t<span class=\"ffb ls1\"> </span></div></td><td class=\"c x309 y1f5d w53 hf0\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">421,498<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f5d wa5 hf0\"><div class=\"t m0 xd4 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">128,015<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f5d w54 hf0\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">37,778<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f5d wa7 hf0\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">587,291 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w1fe h1bd\" id=\"_1b3c7fe2-44e6-4fb4-8e0d-2208dde00b94\"><tr><td class=\"c x2f8 y1f39 we9 hf0\"><div class=\"t m0 xd h35 y94f ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f3a we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3a w53 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">277,054<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3a wa5 hef\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">942<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3a w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3a wa7 hef\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">277,996 </div></td></tr><tr><td class=\"c x2f8 y1f3b we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3b w53 hf1\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3b wa5 hf1\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">164<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3b w54 hf1\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3b wa7 hf1\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">164 </div></td></tr><tr><td class=\"c x2f8 y1f3c we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3c w53 hf2\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3c wa5 hf2\"><div class=\"t m0 x49 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">367<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3c w54 hf2\"><div class=\"t m0 x37 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3c wa7 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">367 </div></td></tr><tr><td class=\"c x2f8 y1f3d we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3d w53 hf1\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3d wa5 hf1\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">1,259<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3d w54 hf1\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3d wa7 hf1\"><div class=\"t m0 x113 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">1,259 </div></td></tr><tr><td class=\"c x2f8 y1f3e we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3e w53 hf2\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3e wa5 hf2\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3e w54 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">1,199<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3e wa7 hf2\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">1,199 </div></td></tr><tr><td class=\"c x2f8 y1f3f we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3f w53 hf1\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3f wa5 hf1\"><div class=\"t m0 x46 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3f w54 hf1\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">5,087<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3f wa7 hf1\"><div class=\"t m0 x113 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">5,087 </div></td></tr><tr><td class=\"c x2f8 y1f40 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f40 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f40 wa5 hef\"><div class=\"t m0 x46 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f40 w54 hef\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">261<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f40 wa7 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">261 </div></td></tr><tr><td class=\"c x2f8 y1f41 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f41 w53 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">277,054<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f41 wa5 hef\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2,732<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f41 w54 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">6,547<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f41 wa7 hef\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">286,333 </div></td></tr><tr><td class=\"c x2f8 y1f42 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f42 w53 hf0\"><div class=\"t m0 xd9 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(268)<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f42 wa5 hf0\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(34)<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f42 w54 hf0\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(632)<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f42 wa7 hf0\"><div class=\"t m0 x35 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(934) </div></td></tr><tr><td class=\"c x2f8 y1f43 we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t<span class=\"ffb ls1\"> </span></div></td><td class=\"c x309 y1f43 w53 hf2\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">276,786<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f43 wa5 hf2\"><div class=\"t m0 xd7 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2,698<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f43 w54 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,915<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f43 wa7 hf2\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">285,399 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w1ff h1be\" id=\"_82110f51-de36-4cb7-8f17-c429d42e2915\"><tr><td class=\"c x2f8 y1f44 we9 hf0\"><div class=\"t m0 xd h98 y94f ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f45 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f45 w53 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">699,264<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f45 wa5 hef\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">3,342<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f45 w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f45 wa7 hef\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">702,606 </div></td></tr><tr><td class=\"c x2f8 y1f46 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f46 w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f46 wa5 hf0\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">89,922<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f46 w54 hf0\"><div class=\"t m0 x37 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f46 wa7 hf0\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">89,922 </div></td></tr><tr><td class=\"c x2f8 y1f47 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f47 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f47 wa5 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">24,490<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f47 w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f47 wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">24,490 </div></td></tr><tr><td class=\"c x2f8 y1f48 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f48 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f48 wa5 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">13,405<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f48 w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f48 wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">13,405 </div></td></tr><tr><td class=\"c x2f8 y1f49 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f49 w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f49 wa5 hf0\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f49 w54 hf0\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">6,515<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f49 wa7 hf0\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">6,515 </div></td></tr><tr><td class=\"c x2f8 y1f4a we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f4a w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4a wa5 hef\"><div class=\"t m0 x46 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4a w54 hef\"><div class=\"t m0 x1d h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">38,310<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4a wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">38,310 </div></td></tr><tr><td class=\"c x2f8 y1f4b we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f4b w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4b wa5 hf0\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4b w54 hf0\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,862<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4b wa7 hf0\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,862 </div></td></tr><tr><td class=\"c x2f8 y1f4c we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f4c w53 hf1\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">699,264<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4c wa5 hf1\"><div class=\"t m0 xd4 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">131,159<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4c w54 hf1\"><div class=\"t m0 x1d h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">50,687<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4c wa7 hf1\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">881,110 </div></td></tr><tr><td class=\"c x2f8 y1f4d we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f4d w53 hf2\"><div class=\"t m0 xd9 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(980)<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4d wa5 hf2\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(446)<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4d w54 hf2\"><div class=\"t m0 x35 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(6,994)<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4d wa7 hf2\"><div class=\"t m0 x90 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(8,420) </div></td></tr><tr><td class=\"c x2f8 y1f4e we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t<span class=\"ffb ls1\"> </span></div></td><td class=\"c x309 y1f4e w53 hf0\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">698,284<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4e wa5 hf0\"><div class=\"t m0 xd4 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">130,713<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4e w54 hf0\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">43,693<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4e wa7 hf0\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">872,690 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws13d gs476\">As at<span class=\"ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws42\">31 December 2025,<span class=\"_ _1\"></span> the Bank\u2019s undra<span class=\"_ _1\"></span>wn commitments t<span class=\"_ _1\"></span>o lend amounted to \u20ac356,793,000 (2024<span class=\"_ _1\"></span>: </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs477\">\u20ac292,754,000) an<span class=\"_ _1\"></span>d predomina<span class=\"_ _1\"></span>ntly compris<span class=\"_ _1\"></span>e of sanctioned but n<span class=\"_ _1\"></span>ot yet drawn facilities which a<span class=\"_ _1\"></span>re classified </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs478\">as \u2018Stage 1\u2019 (12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">month ECL)<span class=\"_ _0\"></span> upon drawdown by c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s. Undra<span class=\"ls6 ws23\">wn facilities in resp<span class=\"_ _1\"></span>ect of existin<span class=\"_ _1\"></span>g \u2018Stage<span class=\"_ _1\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs479\">2\u2019 and \u2018St<span class=\"_ _1\"></span>age 3\u2019 (Lifetime E<span class=\"_ _1\"></span>CL) facilit<span class=\"_ _1\"></span>ies as at 31 <span class=\"_ _1\"></span>December 2<span class=\"_ _1\"></span>025 were \u20ac25,19<span class=\"_ _1\"></span>1,000 (202<span class=\"_ _1\"></span>4: \u20ac11,642,0<span class=\"_ _1\"></span>00) and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs47a\">\u20ac16,000 (2024: \u20ac<span class=\"_ _1\"></span>689,000) res<span class=\"_ _1\"></span>pectively. ECL a<span class=\"_ _1\"></span>llowances on u<span class=\"_ _1\"></span>ndrawn commitm<span class=\"_ _1\"></span>ents sp<span class=\"_ _1\"></span>ecifically connected </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lsa ws44 gs47b\">to re<span class=\"ls6 ws7\">volving cr<span class=\"_ _1\"></span>edit facilities to<span class=\"_ _1\"></span> lend as a<span class=\"_ _1\"></span>t 31 December 202<span class=\"ls1 ws1\">5 </span>amou<span class=\"_ _1\"></span>nted to \u20ac22,000 (20<span class=\"_ _1\"></span>24: \u20ac71,000<span class=\"_ _1\"></span>).<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs47c\">Contingent<span class=\"_ _1\"></span> liabilities as<span class=\"_ _1\"></span> at 31 December 2025 amoun<span class=\"_ _1\"></span>ting to \u20ac22,055,000 (2<span class=\"_ _1\"></span>024: \u20ac19,82<span class=\"_ _1\"></span>7,000) are mainly<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws87 gs47d\">classified a<span class=\"_ _1\"></span>s \u2018Stage 1\u2019 (12<span class=\"ls1 ws1\">-</span>m<span class=\"_ _1\"></span>onth ECL) b<span class=\"_ _1\"></span>y the Bank.<span class=\"_ _1\"></span> ECL allowances on co<span class=\"_ _1\"></span>ntingent liab<span class=\"_ _1\"></span>ilities as at<span class=\"_ _1\"></span> 31 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs47e\">December 2025 amo<span class=\"_ _1\"></span>unted to <span class=\"_ _1\"></span>\u20ac11,000 (2024<span class=\"_ _1\"></span>: \u20ac12,000).<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs47f\">As at 31 December 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 </span>and 202<span class=\"ls1 ws1\">4<span class=\"ls5 ws6\">,<span class=\"_ _1\"></span> there <span class=\"_ _1\"></span>were no<span class=\"_ _1\"></span> purch<span class=\"_ _1\"></span>ased<span class=\"_ _1\"></span></span> or </span><span class=\"ws8\">originat<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> </span>credit<span class=\"ls1 ws1\">-<span class=\"lse ws2c\">impai<span class=\"_ _0\"></span>red assets.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6e gs455\">The foll<span class=\"_ _0\"></span>owing table analyses the Bank\u2019s impair<span class=\"_ _0\"></span>ed loans and advance<span class=\"_ _0\"></span>s, gross of im<span class=\"_ _0\"></span>pairment allowance<span class=\"_ _0\"></span>s, by </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs456\">industry sect<span class=\"_ _0\"></span>or:<span class=\"_ _bc\"> </span></div><div class=\"gsb6\"><table class=\"s w200 h1c0\" id=\"_7a2c569c-7625-4a91-bd35-87a987f2c0f8\"><tr><td></td><td class=\"c x30d y1f5e w83 hf5\"><div class=\"t m0 xce h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f5e wa7 hf5\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x30d y1f5f w83 hdd\"><div class=\"t m0 xea h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x30e y1f5f wa7 hdd\"><div class=\"t m0 xcb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f60 web hdd\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Manufac<span class=\"_ _1\"></span>turing<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f60 w83 hdd\"><div class=\"t m0 x106 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">148<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f60 wa7 hdd\"><div class=\"t m0 xd7 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">156 </div></td></tr><tr><td class=\"c x2f8 y1f61 web hf5\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Trade<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f61 w83 hf5\"><div class=\"t m0 xea h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">4,147<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f61 wa7 hf5\"><div class=\"t m0 x113 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">4,794 </div></td></tr><tr><td class=\"c x2f8 y1f62 web hdd\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Propert<span class=\"_ _1\"></span>y and const<span class=\"_ _1\"></span>ructio<span class=\"_ _1\"></span>n<span class=\"_ _bc\"> </span></div></td><td class=\"c x30d y1f62 w83 hdd\"><div class=\"t m0 x37 h29 y179 ff3 fs8 fc0 sc0 ls1 ws1\">33,511<span class=\"_ _bc\"> </span></div></td><td class=\"c x30e y1f62 wa7 hdd\"><div class=\"t m0 x80 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">37,516 </div></td></tr><tr><td class=\"c x2f8 y1f63 web hdb\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Persona<span class=\"_ _1\"></span>l, profess<span class=\"_ _1\"></span>ional<span class=\"_ _1\"></span> and hom<span class=\"_ _1\"></span>e loans<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f63 w83 hdb\"><div class=\"t m0 xea h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">6,405<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f63 wa7 hdb\"><div class=\"t m0 x113 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">6,574 </div></td></tr><tr><td class=\"c x2f8 y1f64 web hdd\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f64 w83 hdd\"><div class=\"t m0 xea h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">1,453<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f64 wa7 hdd\"><div class=\"t m0 x113 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">1,313 </div></td></tr><tr><td class=\"c x2f8 y1f65 web hf5\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Other sectors<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f65 w83 hf5\"><div class=\"t m0 x106 h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">258<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f65 wa7 hf5\"><div class=\"t m0 xd7 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">334 </div></td></tr><tr><td class=\"c x2f8 y1f66 web had\"><div class=\"t m0 xd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross impaired advances to customers<span class=\"_ _bc\"> </span></div></td><td class=\"c x30d y1f66 w83 had\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">45,922<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f66 wa7 had\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">50,687 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs483\">The following t<span class=\"_ _1\"></span>able provid<span class=\"_ _1\"></span>es a detailed analysis o<span class=\"_ _1\"></span>f the credit quality of the Bank\u2019s lend<span class=\"_ _1\"></span>ing portfolio as<span class=\"_ _1\"></span> at 31 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs484\">Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5:</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span> </span></div><div class=\"gsb6\"><table class=\"s w201 h1c1\" id=\"_4aacd689-62ca-439a-8bd1-9828f1fbb576\"><tr><td></td><td class=\"c x30f y1f67 wed h9e\"><div class=\"t m0 x107 h29 y979 ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">forborne</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"><span class=\"_ _1\"></span> </span></span></div></td><td class=\"c x30d y1f67 wee h9e\"><div class=\"t m0 x33 h29 y979 ff3 fs8 fc0 sc0 ls4 ws0\">Forborne </div></td><td></td></tr><tr><td></td><td class=\"c x30f y1f67 wed h9e\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30d y1f67 wee h9e\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x310 y1f67 wef h9e\"><div class=\"t m0 xd9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x30f y1f68 wed h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f68 wee h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f68 wef h96\"><div class=\"t m0 x69 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td></tr><tr><td></td><td class=\"c x30f y1f69 wed h97\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30d y1f69 wee h97\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x310 y1f69 wef h97\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f6a wec h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">- <span class=\"ws9b\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f6b wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns which are no<span class=\"_ _1\"></span>t past <span class=\"_ _1\"></span>due<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f6b wed h97\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">722,096<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f6b wee h97\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f6b wef h97\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">722,096 </div></td></tr><tr><td class=\"c x2f8 y1f6c wec h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns which are pa<span class=\"_ _1\"></span>st due up t<span class=\"_ _1\"></span>o 30<span class=\"_ _1\"></span> days<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f6c wed h96\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,939<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f6c wee h96\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f6c wef h96\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,939 </div></td></tr><tr><td></td><td class=\"c x30f y1f6d wed hac\"><div class=\"t m0 xd6 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f6d wee hac\"><div class=\"t m0 x110 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f6d wef hac\"><div class=\"t m0 xe5 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">738,035 </div></td></tr><tr><td class=\"c x2f8 y1f6e wec h94\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">- <span class=\"ws9b\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f6f wec h95\"><div class=\"t m0 xd h35 y3eb ff5 fs8 fc0 sc0 ls6b ws10a\">Loans w<span class=\"_ _0\"></span>hich are<span class=\"_ _11\"></span> no<span class=\"_ _1\"></span>t pas<span class=\"_ _0\"></span>t d<span class=\"_ _0\"></span>ue <span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f70 wec h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">P1 <span class=\"ffb\"> </span></div></td><td class=\"c x30f y1f70 wed h94\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,460<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f70 wee h94\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f70 wef h94\"><div class=\"t m0 xcd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,460 </div></td></tr><tr><td class=\"c x2f8 y1f71 wec h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f71 wed h95\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">119,073<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f71 wee h95\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f71 wef h95\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">119,073 </div></td></tr><tr><td class=\"c x2f8 y1f72 wec h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f72 wed h94\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,926<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f72 wee h94\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f72 wef h94\"><div class=\"t m0 xcd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,926 </div></td></tr><tr><td class=\"c x2f8 y1f73 wec h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f73 wed h95\"><div class=\"t m0 xf4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f73 wee h95\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,143<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f73 wef h95\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,143 </div></td></tr><tr><td class=\"c x2f8 y1f74 wec h96\"><div class=\"t m0 xd h35 y3eb ff5 fs8 fc0 sc0 ls6b ws10a\">Loans w<span class=\"_ _0\"></span>hich are<span class=\"_ _11\"></span> p<span class=\"ws13c\">ast due<span class=\"ls1 ws1\"> </span></span>up to 9<span class=\"_ _11\"></span>0 days<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f75 wec h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due <span class=\"_ _1\"></span>between 1<span class=\"_ _1\"></span> and 30 day<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f75 wed h97\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">4,478<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f75 wee h97\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">300<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f75 wef h97\"><div class=\"t m0 xcd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">4,778 </div></td></tr><tr><td class=\"c x2f8 y1f76 wec h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due <span class=\"_ _1\"></span>between 3<span class=\"_ _1\"></span>1 to 90 da<span class=\"_ _1\"></span>ys<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f76 wed h96\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,139<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f76 wee h96\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f76 wef h96\"><div class=\"t m0 xcd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,139 </div></td></tr><tr><td></td><td class=\"c x30f y1f77 wed h94\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">136,076<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f77 wee h94\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,443<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f77 wef h94\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">152<span class=\"ls4 ws0\">,5</span>19 </div></td></tr><tr><td class=\"c x2f8 y1f78 wec h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">perfor<span class=\"_ _1\"></span>ming </span>- <span class=\"ws9b\">Stage 3</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f79 wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due lo<span class=\"_ _1\"></span>ans by 90<span class=\"_ _1\"></span> days<span class=\"ls1 ws1\"> <span class=\"ls2a ws99\">o<span class=\"_ _1\"></span>r more</span> </span>and cre<span class=\"_ _1\"></span>dit<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">impaired</span> <span class=\"_ _1\"></span></span><span class=\"ws9a\">loans</span><span class=\"ws9a\"><span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x30f y1f79 wed h97\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7,813<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f79 wee h97\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">38,109<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f79 wef h97\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">45,922 </div></td></tr><tr><td class=\"c x2f8 y1f7a wec h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Gross loans and adv<span class=\"_ _1\"></span>ances<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30f y1f7a wed h96\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">881,924<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f7a wee h96\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">54,552<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f7a wef h96\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">936,476 </div></td></tr><tr><td class=\"c x2f8 y1f7b wec h95\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls6f ws113\">Expected<span class=\"_ _0\"></span> credit lo<span class=\"_ _0\"></span>sses<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f7c wec h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws98\">month E<span class=\"_ _1\"></span>CL</span><span class=\"ffb\"> </span></div></td><td class=\"c x30f y1f7c wed h96\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(678)<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f7c wee h96\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f7c wef h96\"><div class=\"t m0 xe6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(678) </div></td></tr><tr><td class=\"c x2f8 y1f7d wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Lifetime E<span class=\"_ _1\"></span>CL<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f7d wed h97\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(4,580)<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f7d wee h97\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(2,<span class=\"ls1 ws1\">098</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x310 y1f7d wef h97\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(6,678) </div></td></tr><tr><td class=\"c x2f8 y1f7e wec h94\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Net loans and advances<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30f y1f7e wed h94\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">876,666<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f7e wee h94\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">52,454<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f7e wef h94\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">929,120 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws37 gs487\">Interest inco<span class=\"_ _1\"></span>me recognised <span class=\"_ _1\"></span>during t<span class=\"_ _1\"></span>he financial yea<span class=\"_ _1\"></span>r ended 31 Decemb<span class=\"_ _1\"></span>er 2025 in res<span class=\"_ _1\"></span>pect of forborn<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs488\">exposures<span class=\"_ _1\"></span> amounted to<span class=\"_ _1\"></span> \u20ac2,287,000 (2024: \u20ac2,7<span class=\"_ _1\"></span>93,000).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs489\">The following t<span class=\"_ _1\"></span>able provid<span class=\"_ _1\"></span>es a detailed analysis o<span class=\"_ _1\"></span>f the credit quality of the Bank\u2019s lend<span class=\"_ _1\"></span>ing portfolio as<span class=\"_ _1\"></span> at 31 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs48a\">Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">4:<span class=\"_ _1\"></span> </span></div><div class=\"gsb6\"><table class=\"s w202 h1c2\" id=\"_f7b29b58-806b-4770-9e2c-5fb490d6aab7\"><tr><td></td><td class=\"c x30f y1f7f wed h9e\"><div class=\"t m0 x107 h25 y979 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-</span>fo<span class=\"_ _1\"></span>rborne </div></td><td class=\"c x30d y1f7f wee h9e\"><div class=\"t m0 x113 h25 y979 ff1 fs8 fc0 sc0 ls29 ws9a\">Forborne </div></td><td></td></tr><tr><td></td><td class=\"c x30f y1f7f wed h9e\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f7f wee h9e\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x310 y1f7f wef h9e\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x30f y1f80 wed h96\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f80 wee h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f80 wef h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x30f y1f81 wed h97\"><div class=\"t m0 xe6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x30d y1f81 wee h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x310 y1f81 wef h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f82 wec h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Perform<span class=\"_ _1\"></span>ing <span class=\"ls1 ws1\">- <span class=\"ls27 ws97\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ls27 ws97\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f83 wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns which are no<span class=\"_ _1\"></span>t past <span class=\"_ _1\"></span>due<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f83 wed h97\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">689,885<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f83 wee h97\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f83 wef h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">689,885 </div></td></tr><tr><td class=\"c x2f8 y1f84 wec h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns which are pa<span class=\"_ _1\"></span>st due up t<span class=\"_ _1\"></span>o 30<span class=\"_ _1\"></span> days <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f84 wed h96\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9,379<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f84 wee h96\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f84 wef h96\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9,379 </div></td></tr><tr><td></td><td class=\"c x30f y1f85 wed hac\"><div class=\"t m0 xd6 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">699,264<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f85 wee hac\"><div class=\"t m0 x110 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f85 wef hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">699,264 </div></td></tr><tr><td class=\"c x2f8 y1f86 wec h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Perform<span class=\"_ _1\"></span>ing <span class=\"ls1 ws1\">- <span class=\"ls27 ws97\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ls27 ws97\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f87 wec h95\"><div class=\"t m0 xd h35 y3eb ff5 fs8 fc0 sc0 ls6b ws10a\">Loans w<span class=\"_ _0\"></span>hich are<span class=\"_ _11\"></span> no<span class=\"_ _1\"></span>t pas<span class=\"_ _0\"></span>t d<span class=\"_ _0\"></span>ue <span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f88 wec h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">P1 <span class=\"ffb\"> </span></div></td><td class=\"c x30f y1f88 wed h94\"><div class=\"t m0 x8f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">994<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f88 wee h94\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f88 wef h94\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">994 </div></td></tr><tr><td class=\"c x2f8 y1f89 wec h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f89 wed h95\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">81,011<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f89 wee h95\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f89 wef h95\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">81,011 </div></td></tr><tr><td class=\"c x2f8 y1f8a wec h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f8a wed h94\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">24,265<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8a wee h94\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8a wef h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">24,265 </div></td></tr><tr><td class=\"c x2f8 y1f8b wec h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f8b wed h95\"><div class=\"t m0 xf4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8b wee h95\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,567<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8b wef h95\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,567 </div></td></tr><tr><td class=\"c x2f8 y1f8c wec h96\"><div class=\"t m0 xd h35 y3eb ff5 fs8 fc0 sc0 ls6b ws10a\">Loans w<span class=\"_ _0\"></span>hich are<span class=\"_ _11\"></span> past due up t<span class=\"_ _0\"></span>o 9<span class=\"_ _0\"></span>0 days <span class=\"_ _0\"></span><span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f8d wec h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due <span class=\"_ _1\"></span>between 1<span class=\"_ _1\"></span> and 30 day<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f8d wed h97\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,155<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8d wee h97\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">838<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8d wef h97\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,993 </div></td></tr><tr><td class=\"c x2f8 y1f8e wec h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due <span class=\"_ _1\"></span>between 3<span class=\"_ _1\"></span>1 to 90 da<span class=\"_ _1\"></span>ys<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f8e wed h96\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,329<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8e wee h96\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8e wef h96\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,329 </div></td></tr><tr><td></td><td class=\"c x30f y1f8f wed h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">117,754<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8f wee h94\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">13,405<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8f wef h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">131,159 </div></td></tr><tr><td class=\"c x2f8 y1f90 wec h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">perfor<span class=\"_ _1\"></span>ming </span>\u2013 </span><span class=\"ls4\">Sta<span class=\"_ _1\"></span>ge 3</span><span class=\"ls4\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f91 wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due lo<span class=\"_ _1\"></span>ans by 90<span class=\"_ _1\"></span> days o<span class=\"_ _1\"></span>r more a<span class=\"_ _1\"></span>nd credit<span class=\"ls1 ws1\">-</span><span class=\"ws9c\">im<span class=\"_ _1\"></span>paired lo<span class=\"_ _1\"></span>ans</span><span class=\"ws9c\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x30f y1f91 wed h97\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,515<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f91 wee h97\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">38,310<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f91 wef h97\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">44,825 </div></td></tr><tr><td class=\"t m0 x311 h25 y1f92 ff1 fs8 fc0 sc0 ls29 ws98\">Past due lo<span class=\"_ _1\"></span>ans by 90<span class=\"_ _1\"></span> days o<span class=\"_ _1\"></span>r more a<span class=\"_ _1\"></span>nd credit<span class=\"ls1 ws1\">-</span><span class=\"ws9c\">im<span class=\"_ _1\"></span>paired lo<span class=\"_ _1\"></span>ans</span><span class=\"ws9c\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x312 h25 y1f93 ff1 fs8 fc0 sc0 ls2a ws99\">that are subject to ju<span class=\"_ _1\"></span>dicial action <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x30f y1f94 wed h9e\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,629<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f94 wee h9e\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">233<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f94 wef h9e\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,862 </div></td></tr><tr><td></td><td class=\"c x30f y1f95 wed hbc\"><div class=\"t m0 xcd h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">12,144<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f95 wee hbc\"><div class=\"t m0 xd7 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">38,543<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f95 wef hbc\"><div class=\"t m0 xd6 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">50,687 </div></td></tr><tr><td class=\"c x2f8 y1f96 wec h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Gross lo<span class=\"_ _1\"></span>ans and adv<span class=\"_ _1\"></span>ances<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f96 wed h97\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">829,162<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f96 wee h97\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,948<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f96 wef h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">881,110 </div></td></tr><tr><td class=\"c x2f8 y1f97 wec h96\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Expect<span class=\"_ _1\"></span>ed credit los<span class=\"_ _1\"></span>ses<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f98 wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws98\">month E<span class=\"_ _1\"></span>CL</span><span class=\"ffb\"> </span></div></td><td class=\"c x30f y1f98 wed h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(980)<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f98 wee h97\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f98 wef h97\"><div class=\"t m0 xe6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(980) </div></td></tr><tr><td class=\"c x2f8 y1f99 wec h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Lifetime E<span class=\"_ _1\"></span>CL<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f99 wed h96\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(5,224)<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f99 wee h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,216)<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f99 wef h96\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,440) </div></td></tr><tr><td class=\"c x2f8 y1f9a wec h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Net loans a<span class=\"_ _1\"></span>nd advanc<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f9a wed h97\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">822,958<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f9a wee h97\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">49,732<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f9a wef h97\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">872,690 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs48d\">During 2020, th<span class=\"_ _1\"></span>e Bank pa<span class=\"_ _1\"></span>rticipated in<span class=\"_ _1\"></span> the Malta Deve<span class=\"_ _1\"></span>lopment Ba<span class=\"_ _1\"></span>nk COVID<span class=\"ls1 ws1\">-<span class=\"ls5 ws45\">19 Gu<span class=\"_ _1\"></span>arant<span class=\"_ _1\"></span>ee Sch<span class=\"_ _1\"></span>eme, whereby<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs48e\">the risk <span class=\"_ _0\"></span>of ne<span class=\"_ _0\"></span>wly ori<span class=\"_ _0\"></span>ginate<span class=\"_ _0\"></span>d loans <span class=\"_ _0\"></span>under t<span class=\"_ _0\"></span>he sc<span class=\"_ _0\"></span>heme<span class=\"_ _0\"></span> to viabl<span class=\"_ _0\"></span>e busine<span class=\"_ _0\"></span>sses e<span class=\"_ _0\"></span>xperie<span class=\"_ _0\"></span>ncing l<span class=\"_ _0\"></span>iquidity <span class=\"_ _0\"></span>pressure<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs48f\">resul<span class=\"_ _1\"></span>ting fro<span class=\"_ _1\"></span>m the e<span class=\"_ _1\"></span>ffects<span class=\"_ _1\"></span> of the p<span class=\"_ _1\"></span>andemic<span class=\"_ _1\"></span> are mit<span class=\"_ _1\"></span><span class=\"ls8 wsa\">igate<span class=\"_ _0\"></span>d by a governm<span class=\"_ _0\"></span>ent gua<span class=\"_ _0\"></span>rantee<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs490\">In this resp<span class=\"_ _1\"></span>ect, as at 31 December 2025, gross<span class=\"_ _1\"></span> loans sub<span class=\"_ _1\"></span>ject to the Malta Development<span class=\"_ _1\"></span> Bank COVID<span class=\"ls1 ws1\">-</span><span class=\"ws8\">19 </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs491\">Guarantee Sche<span class=\"_ _1\"></span>me amount<span class=\"_ _1\"></span>ed to \u20ac1.6 million<span class=\"_ _1\"></span> (2024: \u20ac3.7 millio<span class=\"_ _1\"></span>n), of which<span class=\"_ _1\"></span> a maximum amou<span class=\"_ _1\"></span>nt of \u20ac1.4 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs492\">million (2024: <span class=\"_ _1\"></span>\u20ac3.4 million<span class=\"_ _1\"></span>) is cons<span class=\"_ _1\"></span>idered guaran<span class=\"_ _1\"></span>teed, tho<span class=\"ls8 ws11\">ugh subject to an over<span class=\"_ _0\"></span>all cappi<span class=\"_ _11\"></span>ng of \u20ac<span class=\"ls6 ws8\">0.<span class=\"wsd\">7 million<span class=\"_ _1\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs493\">(2024: \u20ac1.7 mil<span class=\"_ _1\"></span>lion). As a<span class=\"_ _1\"></span>t 31 December <span class=\"_ _1\"></span>2025, origin<span class=\"_ _1\"></span>ated gro<span class=\"_ _1\"></span>ss loans, u<span class=\"_ _1\"></span>nder this<span class=\"_ _1\"></span> scheme, classi<span class=\"_ _1\"></span>fied as Stag<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs494\">1, Stage 2 and St<span class=\"_ _1\"></span>age 3 amounted to \u20ac1.4 million<span class=\"_ _1\"></span> (2024: \u20ac2.4 millio<span class=\"_ _1\"></span>n), \u20ac0.1 m<span class=\"ws8\">illion<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span></span>(2024: \u20ac1.1 million) an<span class=\"_ _1\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs495\">\u20ac0.1 million<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span><span class=\"ws8\">(2024: <span class=\"ls1 ws1\">\u20ac</span></span>0.2 millio<span class=\"_ _1\"></span>n) respecti<span class=\"_ _1\"></span>vely.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws14 gs496\">The total ECL all<span class=\"_ _0\"></span>owance in re<span class=\"_ _0\"></span>spect of loans<span class=\"_ _0\"></span> subject to <span class=\"_ _0\"></span>the M<span class=\"_ _0\"></span>alta Developm<span class=\"_ _0\"></span>ent Bank COVID<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws1a\">19 Gua<span class=\"_ _1\"></span>rantee<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs497\">Scheme was ins<span class=\"_ _1\"></span>ignificant.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs499\">2.3.9<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Modificatio<span class=\"_ _1\"></span>n of financial<span class=\"_ _1\"></span> assets<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws28 gs49a\">The con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al terms<span class=\"_ _1\"></span> of a loan<span class=\"_ _1\"></span> may be rev<span class=\"_ _1\"></span>ised for<span class=\"_ _1\"></span> a number of rea<span class=\"_ _1\"></span>son<span class=\"_ _1\"></span>s, in<span class=\"_ _1\"></span>cluding cha<span class=\"_ _1\"></span>nges in<span class=\"_ _1\"></span> market </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs49b\">conditions, c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span> rete<span class=\"_ _0\"></span>ntion and other f<span class=\"_ _0\"></span>actors tha<span class=\"_ _0\"></span>t are not rel<span class=\"_ _0\"></span>ated to t<span class=\"_ _0\"></span>he credit qua<span class=\"_ _0\"></span>lity of a custom<span class=\"_ _0\"></span>er. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs49c\">Forbea<span class=\"_ _1\"></span>rance m<span class=\"_ _1\"></span>easu<span class=\"_ _1\"></span>res comp<span class=\"_ _1\"></span>ris<span class=\"_ _1\"></span>e conces<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s mad<span class=\"_ _1\"></span>e on<span class=\"ls1 ws1\"> <span class=\"_ _14\"> </span><span class=\"ls7 ws54\">the contractual term<span class=\"_ _0\"></span>s of a loan in response to a </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs49d\">customer\u2019s<span class=\"_ _1\"></span> financial dif<span class=\"_ _1\"></span>ficulties<span class=\"_ _1\"></span>. The Group ca<span class=\"_ _1\"></span>tegorises<span class=\"_ _1\"></span> loans<span class=\"_ _1\"></span> on which con<span class=\"_ _1\"></span>cessions<span class=\"_ _1\"></span> have been gran<span class=\"_ _1\"></span>ted </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs49e\">under condi<span class=\"_ _0\"></span>tions of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> dif<span class=\"_ _0\"></span>ficul<span class=\"_ _0\"></span>ties as \u2018forbo<span class=\"_ _0\"></span>rne loans<span class=\"_ _0\"></span>\u2019 whe<span class=\"_ _0\"></span>n their<span class=\"_ _0\"></span> contract<span class=\"_ _0\"></span>ual paym<span class=\"_ _0\"></span>ent te<span class=\"_ _0\"></span>rms have<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs49f\">been re<span class=\"_ _0\"></span>vised, be<span class=\"_ _0\"></span>cause of<span class=\"_ _0\"></span> sign<span class=\"_ _0\"></span>ific<span class=\"_ _0\"></span>ant conce<span class=\"_ _0\"></span>rns about t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>stomer<span class=\"_ _0\"></span>\u2019s ability t<span class=\"_ _0\"></span>o me<span class=\"_ _0\"></span>et c<span class=\"_ _0\"></span>ontractual<span class=\"_ _0\"></span> payment<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs4a0\">when due<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs4a1\">When cons<span class=\"_ _1\"></span>idering whethe<span class=\"_ _1\"></span>r there is sign<span class=\"_ _1\"></span>ificant con<span class=\"_ _1\"></span>cern rega<span class=\"_ _1\"></span>rding a cus<span class=\"_ _1\"></span>tomer\u2019s abil<span class=\"_ _1\"></span>ity to meet con<span class=\"_ _1\"></span>tractual </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs4a2\">loan repaym<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>hen due<span class=\"_ _0\"></span>, the<span class=\"_ _0\"></span> Group as<span class=\"_ _0\"></span>sesses<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>usto<span class=\"_ _0\"></span>mer\u2019<span class=\"_ _0\"></span>s delinque<span class=\"_ _0\"></span>ncy stat<span class=\"_ _0\"></span>us, acc<span class=\"_ _0\"></span>ount beha<span class=\"_ _0\"></span>viour,<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs4a3\">repayme<span class=\"_ _0\"></span>nt history,<span class=\"_ _0\"></span> current<span class=\"_ _0\"></span> financi<span class=\"_ _0\"></span>al situati<span class=\"_ _0\"></span>on and cont<span class=\"_ _0\"></span>inued<span class=\"_ _0\"></span> ability t<span class=\"_ _0\"></span>o repay. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs4a4\">If the c<span class=\"_ _0\"></span>ustome<span class=\"_ _0\"></span>r is not me<span class=\"_ _0\"></span>eting<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>tual re<span class=\"_ _0\"></span>payments or<span class=\"_ _0\"></span> it i<span class=\"_ _0\"></span>s evident t<span class=\"_ _0\"></span>hat the<span class=\"_ _0\"></span> clie<span class=\"_ _0\"></span>nt wil<span class=\"_ _0\"></span>l be unable<span class=\"_ _0\"></span> to do </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs4a5\">so withou<span class=\"_ _1\"></span>t the renegotiati<span class=\"_ _1\"></span>on, there will b<span class=\"_ _1\"></span>e a significant<span class=\"_ _1\"></span> concern rega<span class=\"_ _1\"></span>rding the abi<span class=\"_ _1\"></span>lity to meet con<span class=\"_ _1\"></span>tractual </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4a6\">payments<span class=\"_ _1\"></span>. Indicator<span class=\"_ _1\"></span>s of significan<span class=\"_ _1\"></span>t conc<span class=\"ls8 wsa\">erns regar<span class=\"_ _0\"></span>ding a borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span>\u2019s ability t<span class=\"_ _0\"></span>o pay include<span class=\"_ _0\"></span>:<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4a7\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">the custom<span class=\"_ _0\"></span>er is c<span class=\"_ _0\"></span>urrentl<span class=\"_ _0\"></span>y in def<span class=\"_ _0\"></span>ault on any of i<span class=\"_ _0\"></span>ts debt;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4a8\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws13\">the custom<span class=\"_ _0\"></span>er has <span class=\"_ _0\"></span>decl<span class=\"_ _0\"></span>ared or i<span class=\"_ _0\"></span>s in the<span class=\"_ _0\"></span> proce<span class=\"_ _0\"></span>ss of de<span class=\"_ _0\"></span>clari<span class=\"_ _0\"></span>ng bankruptc<span class=\"_ _0\"></span>y or e<span class=\"_ _0\"></span>ntering<span class=\"_ _0\"></span> into a<span class=\"_ _0\"></span> sim<span class=\"_ _0\"></span>ilar proc<span class=\"_ _0\"></span>ess;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4a9\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">there<span class=\"_ _0\"></span> is signif<span class=\"_ _0\"></span>icant doubt as t<span class=\"_ _0\"></span>o whe<span class=\"_ _0\"></span>ther t<span class=\"_ _0\"></span>he custom<span class=\"_ _0\"></span>er will<span class=\"_ _0\"></span> continue to be<span class=\"_ _0\"></span> a going c<span class=\"_ _0\"></span>oncer<span class=\"_ _0\"></span>n; and<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4aa\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws2b\">the Gro<span class=\"_ _1\"></span>up for<span class=\"_ _1\"></span>ecas<span class=\"_ _1\"></span>ts th<span class=\"_ _1\"></span>at the c<span class=\"_ _1\"></span>us<span class=\"_ _1\"></span>tomer\u2019s<span class=\"_ _1\"></span> entit<span class=\"_ _1\"></span>y</span><span class=\"ff1\">-<span class=\"ls6 ws12\">specific cas<span class=\"_ _1\"></span>h flows <span class=\"_ _1\"></span>will be ins<span class=\"_ _1\"></span>ufficient t<span class=\"_ _1\"></span>o service th<span class=\"_ _1\"></span>e debt </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws87 gs4ab\">(both in<span class=\"_ _1\"></span>terest and p<span class=\"_ _1\"></span>rincipal) in accord<span class=\"_ _1\"></span>ance with the con<span class=\"_ _1\"></span>tractua<span class=\"_ _1\"></span>l terms of the existin<span class=\"_ _1\"></span>g agreement </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs4ac\">through ma<span class=\"_ _0\"></span>turity.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gs4ad\">A rang<span class=\"_ _1\"></span>e of forbea<span class=\"_ _1\"></span>rance <span class=\"_ _1\"></span>meas<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>re employ<span class=\"_ _1\"></span>ed by<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p in o<span class=\"_ _1\"></span>rder to<span class=\"_ _1\"></span> improv<span class=\"_ _1\"></span>e the mana<span class=\"_ _1\"></span>gement<span class=\"_ _1\"></span> of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws3d gs4ae\">customer relatio<span class=\"_ _1\"></span>nships<span class=\"_ _1\"></span>, maximise colle<span class=\"_ _1\"></span>ction oppo<span class=\"_ _1\"></span>rtunities and<span class=\"_ _1\"></span>, if possible, a<span class=\"_ _1\"></span>void default or cal<span class=\"_ _1\"></span>l<span class=\"ls1 ws1\">-<span class=\"ls5 ws3e\">in of </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs4af\">facilit<span class=\"_ _1\"></span>ies. They<span class=\"_ _1\"></span> inclu<span class=\"_ _1\"></span>de exten<span class=\"_ _1\"></span>ded<span class=\"_ _1\"></span> paymen<span class=\"_ _1\"></span>t terms<span class=\"_ _1\"></span>, a reduc<span class=\"ls6 wsd\">t<span class=\"_ _1\"></span>ion in principa<span class=\"_ _1\"></span>l repayments, the deferral of call<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws84 gs4b0\">in of facilitie<span class=\"_ _0\"></span>s and other forms of loan modifications. T<span class=\"_ _0\"></span>he Group\u2019s policies and procedures in this area all<span class=\"_ _0\"></span>ow </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs4b1\">the Group to provide a cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>r with terms and condition<span class=\"_ _0\"></span>s that are more<span class=\"_ _0\"></span> favourable than those <span class=\"ls8 ws16\">pr<span class=\"_ _0\"></span>ovide<span class=\"_ _0\"></span>d </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs4b2\">initiall<span class=\"_ _0\"></span>y. Loan<span class=\"_ _0\"></span> forbe<span class=\"_ _0\"></span>arance<span class=\"_ _0\"></span> is only g<span class=\"_ _0\"></span>ranted i<span class=\"_ _11\"></span>n situations whe<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span> custom<span class=\"_ _0\"></span>er has<span class=\"_ _0\"></span> shown a<span class=\"_ _0\"></span> wi<span class=\"_ _0\"></span>llingne<span class=\"_ _0\"></span>ss to re<span class=\"_ _0\"></span>pay </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs4b3\">the lo<span class=\"_ _1\"></span>an an<span class=\"_ _1\"></span>d is exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> to be a<span class=\"_ _1\"></span>ble to<span class=\"_ _1\"></span> meet t<span class=\"_ _1\"></span>he rev<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> obliga<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span>. The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span>\u2019s cred<span class=\"_ _1\"></span>it ri<span class=\"_ _1\"></span>sk man<span class=\"_ _1\"></span>agemen<span class=\"_ _1\"></span>t </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs4b4\">policies s<span class=\"_ _1\"></span>et out restrictio<span class=\"_ _1\"></span>ns on <span class=\"ls5 ws28\">t<span class=\"_ _1\"></span>he numb<span class=\"_ _1\"></span>er and<span class=\"_ _1\"></span> frequen<span class=\"_ _1\"></span>cy o<span class=\"_ _1\"></span>f forbea<span class=\"_ _1\"></span>ranc<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e minimu<span class=\"_ _1\"></span>m </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs4b5\">period an ac<span class=\"_ _0\"></span>count m<span class=\"_ _0\"></span>ust have be<span class=\"_ _0\"></span>en ope<span class=\"_ _0\"></span>ned bef<span class=\"_ _0\"></span>ore any forbe<span class=\"_ _0\"></span>arance<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span> can be co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3e gs4b6\">For th<span class=\"_ _1\"></span>e purp<span class=\"_ _1\"></span>oses of d<span class=\"_ _1\"></span>etermi<span class=\"_ _1\"></span>ning wh<span class=\"_ _1\"></span>ether ch<span class=\"_ _1\"></span>anges<span class=\"_ _1\"></span> to a cus<span class=\"_ _1\"></span>tomer\u2019s<span class=\"_ _1\"></span> agreem<span class=\"_ _1\"></span>ent sh<span class=\"_ _1\"></span>ould be t<span class=\"_ _1\"></span>reated<span class=\"_ _1\"></span> as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws72 gs4b7\">forbea<span class=\"_ _1\"></span>rance t<span class=\"_ _1\"></span>he fol<span class=\"_ _1\"></span>lowin<span class=\"_ _1\"></span>g ty<span class=\"_ _1\"></span>pes o<span class=\"_ _1\"></span>f modifi<span class=\"_ _1\"></span>catio<span class=\"_ _1\"></span>n coul<span class=\"_ _1\"></span>d be r<span class=\"_ _1\"></span>egarded<span class=\"_ _1\"></span> as co<span class=\"_ _1\"></span>ncess<span class=\"_ _1\"></span>ionar<span class=\"_ _1\"></span>y in ca<span class=\"_ _1\"></span>ses wh<span class=\"_ _1\"></span>ere th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4b8\">customer is<span class=\"_ _1\"></span> in financial d<span class=\"_ _1\"></span>ifficulty:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4b9\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">reduc<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f the st<span class=\"_ _1\"></span>ated in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rate for<span class=\"_ _1\"></span> the remai<span class=\"_ _1\"></span>ning o<span class=\"_ _1\"></span>rigin<span class=\"_ _1\"></span>al life o<span class=\"_ _1\"></span>f the deb<span class=\"_ _1\"></span>t;</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4ba\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">extens<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f the matu<span class=\"_ _1\"></span>rity<span class=\"_ _1\"></span> date or<span class=\"_ _1\"></span> dates<span class=\"_ _1\"></span> at a s<span class=\"_ _1\"></span>tated<span class=\"_ _1\"></span> interest r<span class=\"_ _1\"></span>ate lower t<span class=\"_ _1\"></span>han t<span class=\"_ _1\"></span>he curr<span class=\"_ _1\"></span>ent m<span class=\"_ _1\"></span>arket ra<span class=\"_ _1\"></span>te for </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4bb\">new deb<span class=\"_ _1\"></span>t with s<span class=\"_ _1\"></span>imilar r<span class=\"_ _1\"></span>isk;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4bc\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">extens<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f maturi<span class=\"_ _1\"></span>ty da<span class=\"_ _1\"></span>te or da<span class=\"_ _1\"></span>tes <span class=\"ls8 wsa\">without any</span></span><span class=\"ff1\"> <span class=\"ls6 ws8\">changes <span class=\"ls9 wsa\">to</span></span> <span class=\"ls9 ws8\">the interest rate</span>; </span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4bd\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reducti<span class=\"_ _0\"></span>on of the<span class=\"_ _0\"></span> face<span class=\"_ _0\"></span> amount or mat<span class=\"_ _0\"></span>urity amount<span class=\"_ _0\"></span> of the de<span class=\"_ _0\"></span>bt; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4be\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reducti<span class=\"_ _0\"></span>on of acc<span class=\"_ _0\"></span>rued int<span class=\"_ _0\"></span>erest.<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs4bf\">Term exte<span class=\"_ _0\"></span>nsion is the<span class=\"_ _0\"></span> most comm<span class=\"_ _0\"></span>on type of modif<span class=\"_ _0\"></span>icatio<span class=\"_ _0\"></span>n granted by the G<span class=\"_ _0\"></span>roup. Ot<span class=\"_ _0\"></span>her types of c<span class=\"_ _0\"></span>oncession, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4c0\">namely<span class=\"_ _1\"></span> trans<span class=\"_ _1\"></span>fer to a<span class=\"_ _1\"></span>n inter<span class=\"_ _1\"></span>est<span class=\"ls1 ws1\">-</span>on<span class=\"_ _1\"></span>ly arra<span class=\"_ _1\"></span>ngement<span class=\"_ _1\"></span> or int<span class=\"_ _1\"></span>erest<span class=\"_ _1\"></span> rate ch<span class=\"_ _1\"></span>anges,<span class=\"_ _1\"></span> occur<span class=\"_ _1\"></span> less o<span class=\"_ _1\"></span>ften.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs4c1\">In ass<span class=\"_ _1\"></span>essin<span class=\"_ _1\"></span>g wheth<span class=\"_ _1\"></span>er forbea<span class=\"_ _1\"></span>rance is<span class=\"_ _1\"></span> a susta<span class=\"_ _1\"></span>inab<span class=\"_ _1\"></span>le strateg<span class=\"_ _1\"></span>y, the cu<span class=\"_ _1\"></span>stomer\u2019<span class=\"_ _1\"></span>s enti<span class=\"_ _1\"></span>re expos<span class=\"_ _1\"></span>ures are r<span class=\"_ _1\"></span>eviewed<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs4c2\">and the custom<span class=\"_ _0\"></span>er\u2019s abi<span class=\"_ _0\"></span>lity to meet t<span class=\"_ _0\"></span>he terms i<span class=\"_ _0\"></span>n relation to the r<span class=\"_ _0\"></span>evised o<span class=\"_ _0\"></span>bligations and othe<span class=\"_ _0\"></span>r unchange<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs4c3\">credit faciliti<span class=\"_ _1\"></span>es is cons<span class=\"_ _1\"></span>idered. In all ca<span class=\"_ _1\"></span>ses, <span class=\"ls5 ws16\">forb<span class=\"_ _1\"></span>earan<span class=\"_ _1\"></span>ce is on<span class=\"_ _1\"></span>ly grant<span class=\"_ _1\"></span>ed when t<span class=\"_ _1\"></span>he cus<span class=\"_ _1\"></span>tomer i<span class=\"_ _1\"></span>s exp<span class=\"_ _1\"></span>ected to<span class=\"_ _1\"></span> be </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gs4c4\">able t<span class=\"_ _1\"></span>o meet t<span class=\"_ _1\"></span>he rev<span class=\"_ _1\"></span>ised t<span class=\"_ _1\"></span>erms.<span class=\"_ _1\"></span> When c<span class=\"_ _1\"></span>onsid<span class=\"_ _1\"></span>ering a<span class=\"_ _1\"></span>ccept<span class=\"_ _1\"></span>ab<span class=\"_ _1\"></span>le modifi<span class=\"_ _1\"></span>ed ter<span class=\"_ _1\"></span>ms th<span class=\"_ _1\"></span>e Gro<span class=\"_ _1\"></span>up co<span class=\"_ _1\"></span>nsid<span class=\"_ _1\"></span>ers th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs4c5\">abili<span class=\"_ _1\"></span>ty of th<span class=\"_ _1\"></span>e cus<span class=\"_ _1\"></span>tomer to b<span class=\"_ _1\"></span>e able t<span class=\"_ _1\"></span>o serv<span class=\"_ _1\"></span>ice the rev<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t pay<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>s a n<span class=\"_ _1\"></span>ecessit<span class=\"_ _1\"></span>y. W<span class=\"ls8 ws3c\">hen principa<span class=\"_ _0\"></span>l </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs4c6\">paymen<span class=\"_ _1\"></span>t mod<span class=\"_ _1\"></span>ificatio<span class=\"_ _1\"></span>ns ar<span class=\"_ _1\"></span>e utilis<span class=\"_ _1\"></span>ed, t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span> requi<span class=\"_ _1\"></span>res the cu<span class=\"_ _1\"></span>stomer t<span class=\"_ _1\"></span>o be ab<span class=\"_ _1\"></span>le to compl<span class=\"_ _1\"></span>y with th<span class=\"_ _1\"></span>e revised </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4c7\">terms a<span class=\"_ _1\"></span>s a nec<span class=\"_ _1\"></span>essar<span class=\"_ _1\"></span>y pre<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">condition for<span class=\"_ _0\"></span> the re<span class=\"_ _0\"></span>structuring<span class=\"_ _0\"></span> to pr<span class=\"_ _0\"></span>ocee<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4c8\">Generally,<span class=\"_ _1\"></span> forbearance is a q<span class=\"_ _1\"></span>ualitativ<span class=\"_ _1\"></span>e indicator o<span class=\"_ _1\"></span>f a significant in<span class=\"_ _1\"></span>crease in credit ris<span class=\"_ _1\"></span>k. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs4ca\">The ri<span class=\"_ _0\"></span>sk of defaul<span class=\"_ _0\"></span>t of modif<span class=\"_ _0\"></span>ied assets is assesse<span class=\"_ _0\"></span>d at the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> date and c<span class=\"_ _0\"></span>ompare<span class=\"_ _0\"></span>d with the ri<span class=\"_ _0\"></span>sk under </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4cb\">the original t<span class=\"_ _1\"></span>erms at initial r<span class=\"_ _1\"></span>ecognition<span class=\"_ _1\"></span>. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs4cc\">When the modi<span class=\"_ _0\"></span>ficat<span class=\"_ _0\"></span>ion is not substanti<span class=\"_ _0\"></span>al it doe<span class=\"_ _0\"></span>s not result in de<span class=\"_ _0\"></span>recog<span class=\"_ _0\"></span>nition of the ori<span class=\"_ _0\"></span>ginal asset (<span class=\"_ _0\"></span>refer t<span class=\"_ _0\"></span>o </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4cd\">note 1.4.5).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs4ce\">The G<span class=\"_ _0\"></span>roup moni<span class=\"_ _0\"></span>tors the subse<span class=\"_ _0\"></span>quent pe<span class=\"_ _0\"></span>rfor<span class=\"_ _0\"></span>mance<span class=\"_ _0\"></span> of <span class=\"ls7 ws84\">forborne loans<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls5 ws45\">and may<span class=\"_ _1\"></span> determine t<span class=\"_ _1\"></span>hat<span class=\"_ _1\"></span> the cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4cf\">has s<span class=\"_ _1\"></span>ignificantly impr<span class=\"_ _1\"></span>oved after restru<span class=\"_ _1\"></span>cturing: <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4d0\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws72\">modified<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets ar<span class=\"_ _1\"></span>e moved<span class=\"_ _1\"></span> fro<span class=\"_ _1\"></span>m \u2018Stage <span class=\"_ _1\"></span>3\u2019 (Li<span class=\"_ _1\"></span>feti<span class=\"_ _1\"></span>me ECL)<span class=\"_ _1\"></span> to \u2018<span class=\"_ _1\"></span>Stage 2\u2019 (<span class=\"_ _1\"></span>Lifeti<span class=\"_ _1\"></span>me E<span class=\"_ _1\"></span>CL) onl<span class=\"_ _1\"></span>y if t<span class=\"_ _1\"></span>hey ha<span class=\"_ _1\"></span>ve </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4d1\">perform<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance wit<span class=\"_ _1\"></span>h th<span class=\"_ _1\"></span>e new ter<span class=\"_ _1\"></span>ms for 1<span class=\"_ _1\"></span>2 cons<span class=\"_ _1\"></span>ecut<span class=\"_ _1\"></span>ive mont<span class=\"_ _1\"></span>hs;<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4d2\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws1a\">modified<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets ar<span class=\"_ _1\"></span>e moved fr<span class=\"_ _1\"></span>om \u2018Stag<span class=\"_ _1\"></span>e 3\u2019 (Lifeti<span class=\"_ _1\"></span>me ECL<span class=\"_ _1\"></span>) to \u2018St<span class=\"_ _1\"></span>age 1\u2019 (12<span class=\"_ _1\"></span></span><span class=\"ff1\">-<span class=\"ls8 ws1b\">month EC<span class=\"_ _0\"></span>L) only i<span class=\"_ _0\"></span>f they <span class=\"_ _0\"></span>have<span class=\"_ _11\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4d3\">perform<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance wit<span class=\"_ _1\"></span>h th<span class=\"_ _1\"></span>e new ter<span class=\"_ _1\"></span>ms for 3<span class=\"_ _1\"></span>6 cons<span class=\"_ _1\"></span>ecut<span class=\"_ _1\"></span>ive mont<span class=\"_ _1\"></span>hs o<span class=\"_ _1\"></span>r more; an<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff8 fs1 fc0 sc0 ls1 ws1 gs4d4\">\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws1a\">modified<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets ar<span class=\"_ _1\"></span>e moved fr<span class=\"_ _1\"></span>om \u2018Stag<span class=\"_ _1\"></span>e 2\u2019 (Lifeti<span class=\"_ _1\"></span>me E<span class=\"_ _1\"></span>CL) to \u2018<span class=\"_ _1\"></span>Stage 1\u2019<span class=\"_ _1\"></span> (12</span><span class=\"ff1\">-<span class=\"ls8 ws1b\">month ECL)<span class=\"_ _0\"></span> only if t<span class=\"_ _0\"></span>hey ha<span class=\"_ _0\"></span>ve </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4d5\">perform<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance wit<span class=\"_ _1\"></span>h th<span class=\"_ _1\"></span>e new ter<span class=\"_ _1\"></span>ms for 2<span class=\"_ _1\"></span>4 cons<span class=\"_ _1\"></span>ecut<span class=\"_ _1\"></span>ive mont<span class=\"_ _1\"></span>hs o<span class=\"_ _1\"></span>r more.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws13e gs4d6\">A non<span class=\"ws1\">-<span class=\"ls5 ws28\">perfo<span class=\"_ _1\"></span>rmin<span class=\"_ _1\"></span>g forb<span class=\"_ _1\"></span>orne e<span class=\"_ _1\"></span>xpos<span class=\"_ _1\"></span>ure is<span class=\"_ _1\"></span> categor<span class=\"_ _1\"></span>ised a<span class=\"_ _1\"></span>s non<span class=\"_ _1\"></span></span>-<span class=\"ls8 ws5c\">forborne<span class=\"_ _0\"></span> upon the l<span class=\"_ _0\"></span>apse of 36 consec<span class=\"_ _0\"></span>utive </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4d7\">month<span class=\"_ _1\"></span>s of p<span class=\"_ _1\"></span>erforman<span class=\"_ _1\"></span>ce in acc<span class=\"_ _1\"></span>ord<span class=\"_ _1\"></span>ance with<span class=\"_ _1\"></span> the new t<span class=\"_ _1\"></span>erms<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs4d8\">The g<span class=\"_ _0\"></span>ross carryi<span class=\"_ _0\"></span>ng amount of<span class=\"_ _0\"></span> the asse<span class=\"_ _0\"></span>ts subje<span class=\"_ _0\"></span>ct to modi<span class=\"_ _0\"></span>fica<span class=\"_ _0\"></span>tions descr<span class=\"_ _0\"></span>ibed above<span class=\"_ _0\"></span>, not c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4d9\">forbearance act<span class=\"_ _1\"></span>ivities, as<span class=\"_ _1\"></span> at 31 December 202<span class=\"ls1 ws1\">5 <span class=\"ls8 wsa\">a<span class=\"_ _1\"></span>mounted to </span></span><span class=\"ws8\">\u20ac11,940,000<span class=\"ls1 ws1\"> </span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws74\">: \u20ac</span></span>14,687<span class=\"_ _1\"></span>,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs4da\">The G<span class=\"_ _0\"></span>roup conti<span class=\"_ _0\"></span>nues to moni<span class=\"_ _11\"></span>tor if there i<span class=\"_ _0\"></span>s a subseque<span class=\"_ _0\"></span>nt s<span class=\"_ _0\"></span>ignif<span class=\"_ _0\"></span>icant i<span class=\"_ _0\"></span>ncrease<span class=\"_ _0\"></span> in cre<span class=\"_ _0\"></span>dit risk i<span class=\"_ _0\"></span>n relat<span class=\"_ _0\"></span>ion to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs4db\">forborne loans <span class=\"ls5 ws6\">that mov<span class=\"_ _1\"></span>ed from S<span class=\"_ _1\"></span>tage 3 (L<span class=\"_ _1\"></span>ifeti<span class=\"_ _1\"></span>me ECL<span class=\"_ _1\"></span>) or \u2018Sta<span class=\"_ _1\"></span>ge 2\u2019 (Lif<span class=\"_ _1\"></span>etim<span class=\"_ _1\"></span>e ECL) to<span class=\"_ _1\"></span> \u2018Sta<span class=\"_ _1\"></span>ge 1\u2019.<span class=\"_ _1\"></span></span><span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws86 gs4dc\">The m<span class=\"_ _0\"></span>ovement i<span class=\"_ _0\"></span>n the car<span class=\"_ _0\"></span>rying amount of<span class=\"_ _0\"></span> forbor<span class=\"_ _0\"></span>ne loans and ad<span class=\"_ _0\"></span>vances, be<span class=\"_ _0\"></span>fore<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redit loss </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4dd\">allowances,<span class=\"_ _1\"></span> is analys<span class=\"_ _1\"></span>ed below:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w204 h1c4\" id=\"_5bcf1ff5-09ab-484a-add8-fbbffc74acab\"><tr><td></td><td class=\"c x318 y1fa3 w80 h97\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">             <span class=\"ls28 ws0\"></span><span class=\"ls28 ws0\"></span><span class=\"ls28 ws0\">Forborne exposure<span class=\"_ _1\"></span>s</span><span class=\"ff1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x318 y1fa4 wf1 h96\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x319 y1fa4 wb h96\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x318 y1fa5 wf1 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x319 y1fa5 wb h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x31a y1fa6 w58 ha6\"><div class=\"t m0 x7e h25 y179 ff1 fs8 fc0 sc0 ls29 ws98\">At 1 Januar<span class=\"_ _1\"></span>y<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x318 y1fa6 wf1 ha6\"><div class=\"t m0 x49 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">51,948<span class=\"ffa\"> </span></div></td><td class=\"t m0 x31b h25 y1fa7 ff1 fs8 fc0 sc0 ls1 ws1\">61,441<span class=\"_ _bc\"> </span></td></tr><tr><td class=\"c x31a y1fa8 w58 ha4\"><div class=\"t m0 x7e h25 y338 ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns to whic<span class=\"_ _1\"></span>h forbeara<span class=\"_ _1\"></span>nce mea<span class=\"_ _1\"></span>sures have b<span class=\"_ _1\"></span>een ex<span class=\"_ _1\"></span>tended duri<span class=\"_ _1\"></span>ng the y<span class=\"_ _1\"></span>ear<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x318 y1fa8 wf1 ha4\"><div class=\"t m0 x49 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">16,001<span class=\"ffa\"> </span></div></td><td class=\"t m0 x31b h25 y1fa9 ff1 fs8 fc0 sc0 ls1 ws1\">15,633<span class=\"_ _bc\"> </span></td></tr><tr><td class=\"c x31a y1faa w58 ha6\"><div class=\"t m0 x7e h25 y179 ff1 fs8 fc0 sc0 ls6a ws10c\">Repayments<span class=\"_ _bc\"> </span></div></td><td class=\"c x318 y1faa wf1 ha6\"><div class=\"t m0 x10b h35 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(1,4<span class=\"ls1 ws1\">57</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"t m0 x31c h25 y1fab ff1 fs8 fc0 sc0 ls1 ws1\">(10,439)<span class=\"_ _bc\"> </span></td></tr><tr><td class=\"c x31a y1fac w58 ha5\"><div class=\"t m0 x7e h25 y338 ff1 fs8 fc0 sc0 ls2a ws99\">Retired from forbo<span class=\"_ _1\"></span>rne<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x318 y1fac wf1 ha5\"><div class=\"t m0 x4f h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(11,940)<span class=\"ffa\"> </span></div></td><td class=\"t m0 x31c h25 y1fad ff1 fs8 fc0 sc0 ls1 ws1\">(14,687)<span class=\"_ _bc\"> </span></td></tr><tr><td class=\"c x31a y1fae w58 ha6\"><div class=\"t m0 x7e h35 y179 ff3 fs8 fc0 sc0 ls1 ws9b\">At 31 December<span class=\"ffa ws1\"> </span></div></td><td class=\"c x318 y1fae wf1 ha6\"><div class=\"t m0 x49 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">54,552<span class=\"ffa\"> </span></div></td><td class=\"t m0 x31b h25 y1faf ff1 fs8 fc0 sc0 ls1 ws1\">51,948<span class=\"_ _bc\"> </span></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs4e0\">Forborne loans, gross of<span class=\"_ _0\"></span> <span class=\"ls5 ws6\">expected<span class=\"_ _1\"></span> credit </span><span class=\"ws4e\">allowances<span class=\"ls8 wsa\">, are analysed by ind<span class=\"_ _0\"></span>ustry<span class=\"_ _0\"></span> sector a<span class=\"_ _0\"></span>s fol<span class=\"_ _0\"></span>lows:<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"gsb6\"><table class=\"s w203 h1c3\" id=\"_85370fb4-c6cb-4401-9142-c6118c7ddbee\"><tr><td></td><td class=\"c x314 y1f9b wb h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1f9b wf3 h95\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x314 y1f9c wb h94\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x315 y1f9c wf3 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x316 y1f9d wf2 h94\"><div class=\"t m0 x88 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Trade<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1f9d wb h94\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">4,138<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1f9d wf3 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,152 </div></td></tr><tr><td class=\"c x316 y1f9e wf2 h95\"><div class=\"t m0 x88 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Propert<span class=\"_ _1\"></span>y and const<span class=\"_ _1\"></span>ructio<span class=\"_ _1\"></span>n <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1f9e wb h95\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">30,814<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1f9e wf3 h95\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">37,176 </div></td></tr><tr><td class=\"c x316 y1f9f wf2 h94\"><div class=\"t m0 x88 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Persona<span class=\"_ _1\"></span>l, profess<span class=\"_ _1\"></span>ional<span class=\"_ _1\"></span> and hom<span class=\"_ _1\"></span>e loans<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1f9f wb h94\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,377<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1f9f wf3 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,346 </div></td></tr><tr><td class=\"c x316 y1fa0 wf2 h95\"><div class=\"t m0 xe2 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1fa0 wb h95\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">14,223<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1fa0 wf3 h95\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,013 </div></td></tr><tr><td class=\"c x316 y1fa1 wf2 h94\"><div class=\"t m0 xe2 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Other sectors<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1fa1 wb h94\"><div class=\"t m0 xf4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1fa1 wf3 h94\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">261 </div></td></tr><tr><td></td><td class=\"c x314 y1fa2 wb h95\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">54,552<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1fa2 wf3 h95\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,948 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs4e3\">As at 31 Dece<span class=\"_ _1\"></span>mber 202<span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span></span><span class=\"ws1f\">a<span class=\"_ _1\"></span>nd 202<span class=\"ls1 ws1\">4<span class=\"ls8 ws3c\">, forborne<span class=\"_ _0\"></span> loans mainly compr<span class=\"_ _0\"></span>ised of<span class=\"_ _0\"></span> exposures to cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs based in </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs4e4\">Malta.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs4e6\">2.3.10 <span class=\"ls1 ws1\"> <span class=\"_ _2b\"></span><span class=\"ls7\">Loss allowance<span class=\"_ _0\"></span>s <span class=\"ls1\"> </span></span></span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 ls6 ws7 gs4e7\">Reconc<span class=\"_ _1\"></span>iliation o<span class=\"_ _1\"></span>f 12<span class=\"ls1 ws1\">-<span class=\"lsb ws24\">month and l<span class=\"_ _0\"></span>ifetime EC<span class=\"_ _0\"></span>L provis<span class=\"_ _0\"></span>ion<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4e8\">The loss allo<span class=\"_ _1\"></span>wance recognis<span class=\"_ _1\"></span>ed in the perio<span class=\"_ _1\"></span>d is impacted b<span class=\"_ _1\"></span>y a variety of factor<span class=\"_ _1\"></span>s, as des<span class=\"_ _1\"></span>cribed below:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs4e9\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">Transfers b<span class=\"_ _1\"></span>etween \u2018Stag<span class=\"_ _1\"></span>e 1\u2019 and \u2018Sta<span class=\"_ _1\"></span>ges 2\u2019 or \u20183\u2019 d<span class=\"_ _1\"></span>ue to financial i<span class=\"_ _1\"></span>nstruments<span class=\"_ _1\"></span> experiencing s<span class=\"_ _1\"></span>ignificant </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs4ea\">increases (or<span class=\"_ _1\"></span> decreases) o<span class=\"_ _1\"></span>f credit risk<span class=\"_ _1\"></span> or becoming cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">impa<span class=\"_ _1\"></span>ired</span> <span class=\"_ _13\"></span><span class=\"lsa ws88\">(or cured)</span> <span class=\"_ _1\"></span><span class=\"ls8 ws1b\">in the period, and the<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs4eb\">consequent<span class=\"_ _0\"></span> \u2018step up<span class=\"_ _0\"></span>\u2019 (or \u2018ste<span class=\"_ _0\"></span>p dow<span class=\"_ _0\"></span>n\u2019) betw<span class=\"_ _0\"></span>een 12<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">month an<span class=\"_ _1\"></span>d Lifet<span class=\"_ _1\"></span>ime ECL<span class=\"_ _1\"></span>;</span> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs4ec\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">Additio<span class=\"_ _1\"></span>nal allowances<span class=\"_ _1\"></span> for new finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments recognised<span class=\"_ _1\"></span> during the p<span class=\"_ _1\"></span>eriod, as well as<span class=\"_ _1\"></span> releases </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs4ed\">for fi<span class=\"_ _0\"></span>nancial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nts derecog<span class=\"_ _0\"></span>nised in the<span class=\"_ _0\"></span> peri<span class=\"_ _0\"></span>od upon ful<span class=\"_ _0\"></span>l repa<span class=\"_ _0\"></span>yment;<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs4ee\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">Impact on the<span class=\"_ _0\"></span> measureme<span class=\"_ _0\"></span>nt of ECL due<span class=\"_ _0\"></span> to changes in P<span class=\"_ _0\"></span>Ds, EADs and LGDs i<span class=\"_ _0\"></span>n the period, a<span class=\"_ _0\"></span>rising f<span class=\"_ _0\"></span>rom </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4ef\">regula<span class=\"_ _1\"></span>r refres<span class=\"_ _1\"></span>hing<span class=\"_ _1\"></span> of inpu<span class=\"_ _1\"></span>ts to mo<span class=\"_ _1\"></span>dels;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs4f0\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">Impacts on the<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt of ECL due t<span class=\"_ _0\"></span>o change<span class=\"_ _0\"></span>s made to m<span class=\"_ _0\"></span>odels and a<span class=\"_ _0\"></span>ssumpti<span class=\"_ _0\"></span>ons;<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs4f1\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">Discount unwi<span class=\"_ _0\"></span>nd within EC<span class=\"_ _0\"></span>L due<span class=\"_ _0\"></span> to the passag<span class=\"_ _0\"></span>e of t<span class=\"_ _0\"></span>ime,<span class=\"_ _0\"></span> as ECL i<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d on a prese<span class=\"_ _0\"></span>nt val<span class=\"_ _0\"></span>ue basis;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs4f2\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">Foreig<span class=\"_ _0\"></span>n exchange<span class=\"_ _0\"></span> retranslati<span class=\"_ _0\"></span>ons for asset<span class=\"_ _0\"></span>s denomina<span class=\"_ _0\"></span>ted in fore<span class=\"_ _0\"></span>ign cur<span class=\"_ _0\"></span>rencies and o<span class=\"_ _0\"></span>ther moveme<span class=\"_ _0\"></span>nts; </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs4f3\">and<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs4f4\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls5 ws22\">Fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s writt<span class=\"_ _1\"></span>en off d<span class=\"_ _1\"></span>ur<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e period<span class=\"_ _1\"></span> and r<span class=\"_ _1\"></span>evers<span class=\"_ _1\"></span>al o<span class=\"_ _1\"></span>f allowa<span class=\"_ _1\"></span>nces<span class=\"_ _1\"></span> relat<span class=\"_ _1\"></span>ed to a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t were </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs4f5\">written<span class=\"_ _1\"></span> off.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"gs4f7\"><table class=\"s w205 h1c5\" id=\"_ca930357-ddb8-42c4-920c-ff62af39f3d7\"><tr><td class=\"t m0 x31e h3 y1fb0 ff1 fs1 fc0 sc0 ls8 wsa\">The f<span class=\"_ _0\"></span>ollowing t<span class=\"_ _0\"></span>ables e<span class=\"_ _0\"></span>xplain t<span class=\"_ _0\"></span>he chang<span class=\"_ _0\"></span>es in <span class=\"_ _0\"></span>the Gr<span class=\"_ _0\"></span>oup\u2019s los<span class=\"_ _0\"></span>s allow<span class=\"_ _0\"></span>ance be<span class=\"_ _0\"></span>twe<span class=\"_ _0\"></span>en the be<span class=\"_ _0\"></span>ginning and<span class=\"_ _0\"></span> the e<span class=\"_ _0\"></span>nd </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x31e h3 y1fb1 ff1 fs1 fc0 sc0 ls8 wsa\">of the annua<span class=\"_ _0\"></span>l perio<span class=\"_ _0\"></span>d:<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x31f y1fb2 wf6 hf9\"><div class=\"t m0 x31 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x31f y1fb3 wf7 he6\"><div class=\"t m0 xd4 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></div></td><td class=\"c x320 y1fb3 wf8 he6\"><div class=\"t m0 x11 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x321 y1fb3 wf9 he6\"><div class=\"t m0 xe1 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x322 h29 y1fb4 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span></td><td class=\"t m0 x323 h29 y1fb4 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time </td><td class=\"t m0 x324 h29 y1fb4 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time </td><td class=\"t m0 x325 h29 y1fb4 ff3 fs8 fc0 sc0 ls1 ws1\">Total </td></tr><tr><td></td><td class=\"c x31f y1fb3 wf7 he6\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x320 y1fb3 wf8 he6\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x321 y1fb3 wf9 he6\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x31f y1fb5 wf7 h97\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x320 y1fb5 wf8 h97\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x321 y1fb5 wf9 h97\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x326 y1fb5 wa7 h97\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fb6 wf5 h97\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at FVOCI<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fb7 wf5 h96\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffa ls1\"> </span></div></td><td class=\"c x31f y1fb7 wf7 h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">224<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fb7 wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fb7 wf9 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fb7 wa7 h96\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">224 </div></td></tr><tr><td class=\"c x327 y1fb8 wf5 h97\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x31f y1fb8 wf7 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(5)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x320 y1fb8 wf8 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fb8 wf9 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fb8 wa7 h97\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(5)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fb9 wf5 h97\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement credit during the year<span class=\"ffa ws1\"> </span></div></td><td class=\"c x31f y1fb9 wf7 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(5)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x320 y1fb9 wf8 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fb9 wf9 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fb9 wa7 h97\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(5)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fba wf5 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"ffa ws1\"> </span></div></td><td class=\"c x31f y1fba wf7 h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">219<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fba wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fba wf9 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fba wa7 h96\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">219 </div></td></tr><tr><td class=\"c x327 y1fbb wf5 h94\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at amortised cost<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fbc wf5 h95\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffa ls1\"> </span></div></td><td class=\"c x31f y1fbc wf7 h95\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">25<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fbc wf8 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fbc wf9 h95\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fbc wa7 h95\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">25 </div></td></tr><tr><td class=\"c x327 y1fbd wf5 h94\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x31f y1fbd wf7 h94\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x320 y1fbd wf8 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fbd wf9 h94\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fbd wa7 h94\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x327 y1fbe wf5 h94\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement credit during the year<span class=\"ffa ws1\"> </span></div></td><td class=\"c x31f y1fbe wf7 h94\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x320 y1fbe wf8 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fbe wf9 h94\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fbe wa7 h94\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x327 y1fbf wf5 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"ffa ws1\"> </span></div></td><td class=\"c x31f y1fbf wf7 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">13<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fbf wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fbf wf9 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fbf wa7 h96\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">13 </div></td></tr><tr><td class=\"c x327 y1fc0 wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to banks at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fc1 wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffa ls1\"> </span></div></td><td class=\"c x31f y1fc1 wf7 hfc\"><div class=\"t m0 x104 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fc1 wf8 hfc\"><div class=\"t m0 x10b h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc1 wf9 hfc\"><div class=\"t m0 xd9 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc1 wa7 hfc\"><div class=\"t m0 x10b h29 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x327 y1fc2 wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x31f y1fc2 wf7 hfc\"><div class=\"t m0 x69 h29 y11ec ff3 fs8 fc0 sc0 ls29 ws9a\">(6)<span class=\"_ _bc\"> </span></div></td><td class=\"c x320 y1fc2 wf8 hfc\"><div class=\"t m0 x10b h29 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x321 y1fc2 wf9 hfc\"><div class=\"t m0 xd9 h29 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x326 y1fc2 wa7 hfc\"><div class=\"t m0 x4f h29 y11ec ff3 fs8 fc0 sc0 ls29 ws9a\">(6)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fc3 wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement <span class=\"ls27 ws98\">credit<span class=\"_ _1\"></span></span><span class=\"ws1\"> <span class=\"ls28 ws0\">during the ye<span class=\"_ _1\"></span>ar</span></span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x31f y1fc3 wf7 hfc\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(6)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x320 y1fc3 wf8 hfc\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc3 wf9 hfc\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc3 wa7 hfc\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(6)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fc4 wf5 hfc\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x31f y1fc4 wf7 hfc\"><div class=\"t m0 x104 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td><td class=\"c x320 y1fc4 wf8 hfc\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x321 y1fc4 wf9 hfc\"><div class=\"t m0 xd9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x326 y1fc4 wa7 hfc\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x327 y1fc5 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ffd fs8 fc0 sc0 ls1 ws1\">Undrawn commitments<span class=\"ff1\"> <span class=\"ffb\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fc6 wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x31f y1fc6 wf7 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">70<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fc6 wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc6 wf9 h96\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc6 wa7 h96\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">71 </div></td></tr><tr><td class=\"c x327 y1fc7 wf5 hdd\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y1fc7 wf7 hdd\"><div class=\"t m0 xd8 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">(70)<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fc7 wf8 hdd\"><div class=\"t m0 x10b h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc7 wf9 hdd\"><div class=\"t m0 xd6 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">21<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc7 wa7 hdd\"><div class=\"t m0 x26 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">(49) </div></td></tr><tr><td class=\"c x327 y1fc8 wf5 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement (credit)<span class=\"ls29 ws9a\">/charge<span class=\"_ _1\"></span></span><span class=\"ws1\"> <span class=\"ls28 ws0\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffa\"> </span></span></div></td><td class=\"c x31f y1fc8 wf7 h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(70)<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fc8 wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc8 wf9 h96\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">21<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc8 wa7 h96\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(49) </div></td></tr><tr><td class=\"t m0 x328 h29 y1fc9 ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at<span class=\"ws1\"> </span>31 December <span class=\"ws1\">2025</span><span class=\"ws1\"><span class=\"ffb\"> </span></span></td><td class=\"c x31f y1fca wf7 hff\"><div class=\"t m0 x11e h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fca wf8 hff\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fca wf9 hff\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">22<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fca wa7 hff\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">22 </div></td></tr><tr><td class=\"c x327 y1fcb wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Conting<span class=\"_ _1\"></span>ent lia<span class=\"_ _1\"></span>bilitie<span class=\"_ _1\"></span>s<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fcc wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y1fcc wf7 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">11<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fcc wf8 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fcc wf9 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fcc wa7 h97\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">11 </div></td></tr><tr><td class=\"c x327 y1fcd wf5 hab\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y1fcd wf7 hab\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                    <span class=\"ws1\">-<span class=\"ffa\"> </span></span></div></td><td class=\"c x320 y1fcd wf8 hab\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fcd wf9 hab\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fcd wa7 hab\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                 <span class=\"ws1\">- </span></div></td></tr><tr><td class=\"c x327 y1fce wf5 h100\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement <span class=\"ls29 ws9a\">(credit)/<span class=\"_ _1\"></span>charg<span class=\"_ _1\"></span>e</span><span class=\"ws1\"> <span class=\"ls28 ws0\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffa\"> </span></span></div></td><td class=\"c x31f y1fce wf7 h100\"><div class=\"t m0 x88 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                   <span class=\"ws1\">-<span class=\"ffa\"> </span></span></div></td><td class=\"c n x329 y1fcf w206 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32a y1fcf w206 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">-</div></td><td class=\"c x326 y1fce wa7 h100\"><div class=\"t m0 x84 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                <span class=\"ws1\">- </span></div></td></tr><tr><td class=\"c n x32b y1fd0 w207 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32c y1fd0 w208 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">11<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32d y1fd0 w209 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32e y1fd0 w209 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32f y1fd0 w208 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">11<span class=\"_ _bc\"> </span></div></td></tr></table></div><div class=\"gs4f9\"><table class=\"s w20a h1c7\" id=\"_938b466f-210a-48d8-b997-8a4d696c1c2b\"><tr><td></td><td></td><td></td><td class=\"c x2f4 y1fd1 wfb h102\"><div class=\"t m0 x135 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x330 h29 y1fd2 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></td><td class=\"t m0 x331 h29 y1fd2 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </td><td class=\"t m0 x332 h29 y1fd2 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x333 h29 y1fd3 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span></td><td class=\"t m0 x334 h29 y1fd3 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x335 h29 y1fd3 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x336 h29 y1fd3 ff3 fs8 fc0 sc0 ls1 ws1\">Total </td></tr><tr><td></td><td class=\"t m0 x337 h35 y1fd4 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td class=\"t m0 x338 h35 y1fd4 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls3 ws114\">ECL</span><span class=\"ffa\"> </span></td><td class=\"t m0 x339 h35 y1fd4 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f4 y1fd5 wfc h94\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33a y1fd5 w1e h94\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33b y1fd5 w53 h94\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33c y1fd5 wd5 h94\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x33d y1fd6 wfa h95\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fd7 wfa hbc\"><div class=\"t m0 x10 h35 y338 ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fd8 wfa hdd\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffb ls1\"> </span></div></td><td class=\"c x2f4 y1fd8 wfc hdd\"><div class=\"t m0 xd6 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 714 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fd8 w1e hdd\"><div class=\"t m0 x4f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 411 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fd8 w53 hdd\"><div class=\"t m0 x4f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 6,361 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fd8 wd5 hdd\"><div class=\"t m0 x26 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 7,486  </div></td></tr><tr><td class=\"c x33d y1fd9 wfa hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fda wfa hd5\"><div class=\"t m0 xe2 h25 y338 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2</div></td><td class=\"c x2f4 y1fda wfc hd5\"><div class=\"t m0 xd6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">6</span>5)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fda w1e hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> 65 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fda w53 hd5\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span><span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fda wd5 hd5\"><div class=\"t m0 x104 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span> </div></td></tr><tr><td class=\"c x33d y1fdb wfa hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fdb wfc hac\"><div class=\"t m0 xcd h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 17 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fdb w1e hac\"><div class=\"t m0 x4f h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> (17)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fdb w53 hac\"><div class=\"t m0 x46 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span><span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fdb wd5 hac\"><div class=\"t m0 x104 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span> </div></td></tr><tr><td class=\"c x33d y1fdc wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fdc wfc hd5\"><div class=\"t m0 x69 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span><span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fdc w1e hd5\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> 9 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fdc w53 hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(9)</span><span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fdc wd5 hd5\"><div class=\"t m0 x104 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span> </div></td></tr><tr><td class=\"c x33d y1fdd wfa h104\"><div class=\"t m0 xe2 h25 ye52 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fdd wfa h104\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers</span></div></td><td class=\"c x2f4 y1fdd wfc h104\"><div class=\"t m0 xd6 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\"> (13)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fdd w1e h104\"><div class=\"t m0 x4f h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\"> 165 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fdd w53 h104\"><div class=\"t m0 x46 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span></div></td><td class=\"t m0 x33e h29 y1fde ff3 fs8 fc0 sc0 ls1 ws1\"> 152  </td></tr><tr><td class=\"c x33d y1fdf wfa h105\"><div class=\"t m0 x10 h25 y979 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fdf wfa h105\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y1fdf wfc h105\"><div class=\"t m0 xd6 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">6</span>1)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fdf w1e h105\"><div class=\"t m0 x4f h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> 222</div></td><td class=\"c x33b y1fdf w53 h105\"><div class=\"t m0 x6b h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(9)</span></div></td><td class=\"t m0 x33e h29 y1fe0 ff3 fs8 fc0 sc0 ls1 ws1\"> 152  </td></tr><tr><td class=\"c x33d y1fe1 wfa hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fe1 wfc hac\"><div class=\"t m0 xd6 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 139 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe1 w1e hac\"><div class=\"t m0 x4f h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 157 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe1 w53 hac\"><div class=\"t m0 x6b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 44 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe1 wd5 hac\"><div class=\"t m0 x49 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 340  </div></td></tr><tr><td class=\"t m0 x2f8 h25 y1fe2 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fe3 wfa h105\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)* </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y1fe3 wfc h105\"><div class=\"t m0 xe5 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">36</span>1)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe3 w1e h105\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">14</span>4)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe3 w53 h105\"><div class=\"t m0 x125 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> 326 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe3 wd5 h105\"><div class=\"t m0 xb5 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> (179) </div></td></tr><tr><td class=\"c x33d y1fe4 wfa had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fe4 wfc had\"><div class=\"t m0 xd6 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> (32)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe4 w1e had\"><div class=\"t m0 x10b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(7)</span><span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe4 w53 had\"><div class=\"t m0 x49 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">77</span>5)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe4 wd5 had\"><div class=\"t m0 xb5 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">81</span>4) </div></td></tr><tr><td class=\"c x33d y1fe5 wfa h105\"><div class=\"t m0 x10 h29 y979 ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement (<span class=\"ls29 ws9a\">credit)/<span class=\"_ _1\"></span>charge<span class=\"_ _1\"></span> </span><span class=\"ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fe5 wfa h105\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls28 ws0\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffa ws1\"> </span></div></td><td class=\"c x2f4 y1fe5 wfc h105\"><div class=\"t m0 xe5 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">31</span>5)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe5 w1e h105\"><div class=\"t m0 x49 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">228 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe5 w53 h105\"><div class=\"t m0 x49 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">41</span>4)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y1fe5 wd5 h105\"><div class=\"t m0 x4f h29 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(50<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x33d y1fe6 wfa hac\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Other movements<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fe7 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y1fe7 wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe7 w1e hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe7 w53 hd5\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> (386)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe7 wd5 hd5\"><div class=\"t m0 xb5 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> (386) </div></td></tr><tr><td class=\"c x33d y1fe8 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fe8 wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe8 w1e hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe8 w53 hd5\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> 174 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe8 wd5 hd5\"><div class=\"t m0 x49 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> 174  </div></td></tr><tr><td class=\"c x33d y1fe9 wfa h106\"><div class=\"t m0 x10 h29 y1233 ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f4 y1fe9 wfc h106\"><div class=\"t m0 xd8 h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">399 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe9 w1e h106\"><div class=\"t m0 x4f h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\"> 639 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe9 w53 h106\"><div class=\"t m0 x4f h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\"> 5,735 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe9 wd5 h106\"><div class=\"t m0 x26 h29 yf38 ff3 fs8 fc0 sc0 ls1 ws1\"> 6,773  </div></td></tr></table></div><div class=\"gs4f9\"><table class=\"s w20b h1c8\" id=\"_6168310d-f15e-4eda-8e8f-aa0694578102\"><tr><td></td><td></td><td></td><td class=\"c x2f4 y1fea wfb h102\"><div class=\"t m0 x135 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x330 h29 y1feb ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></td><td class=\"t m0 x331 h29 y1feb ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </td><td class=\"t m0 x332 h29 y1feb ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x333 h29 y1fec ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span></td><td class=\"t m0 x334 h29 y1fec ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x335 h29 y1fec ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x336 h29 y1fec ff3 fs8 fc0 sc0 ls1 ws1\">Total </td></tr><tr><td></td><td class=\"t m0 x337 h35 y1fed ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td class=\"t m0 x338 h35 y1fed ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls3 ws114\">ECL</span><span class=\"ffa\"> </span></td><td class=\"t m0 x339 h35 y1fed ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f4 y1fee wfc h94\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33a y1fee w1e h94\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33b y1fee w53 h94\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33c y1fee wd5 h94\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x33d y1fef wfa h95\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff0 wfa hbc\"><div class=\"t m0 x10 h98 y338 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff1 wfa hdd\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffb ls1\"> </span></div></td><td class=\"c x2f4 y1ff1 wfc hdd\"><div class=\"t m0 xb5 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 265 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff1 w1e hdd\"><div class=\"t m0 x49 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 35 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff1 w53 hdd\"><div class=\"t m0 xcd h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 634 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff1 wd5 hdd\"><div class=\"t m0 xd8 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 934  </div></td></tr><tr><td class=\"c x33d y1ff2 wfa hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff3 wfa hd5\"><div class=\"t m0 xe2 h25 y338 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f4 y1ff3 wfc hd5\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff3 w1e hd5\"><div class=\"t m0 x69 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(5)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff3 w53 hd5\"><div class=\"t m0 xea h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff3 wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y1ff4 wfa hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ff4 wfc hac\"><div class=\"t m0 x10b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">82<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff4 w1e hac\"><div class=\"t m0 x6b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff4 w53 hac\"><div class=\"t m0 x125 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">(82)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff4 wd5 hac\"><div class=\"t m0 x37 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y1ff5 wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ff5 wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff5 w1e hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">18<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff5 w53 hd5\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(18)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff5 wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y1ff6 wfa h104\"><div class=\"t m0 xe2 h25 ye52 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff6 wfa h104\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x2f4 y1ff6 wfc h104\"><div class=\"t m0 xd8 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(86)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff6 w1e h104\"><div class=\"t m0 x10b h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">79<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y1ff6 w53 h104\"><div class=\"t m0 x104 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">12<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y1ff6 wd5 h104\"><div class=\"t m0 x6b h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x33d y1ff7 wfa h105\"><div class=\"t m0 x10 h25 y979 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff7 wfa h105\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y1ff7 wfc h105\"><div class=\"t m0 xe6 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"_ _bc\"> </span></div></td><td class=\"c x33a y1ff7 w1e h105\"><div class=\"t m0 x10b h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">92<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y1ff7 w53 h105\"><div class=\"t m0 x125 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(88)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y1ff7 wd5 h105\"><div class=\"t m0 x11e h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x33d y1ff8 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ff8 wfc hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">93<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff8 w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff8 w53 hd5\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff8 wd5 hd5\"><div class=\"t m0 x27 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">95 </div></td></tr><tr><td class=\"c x33d y1ff9 wfa h104\"><div class=\"t m0 x10 h25 y979 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff9 wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)</span><span class=\"ws1\">* <span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y1ff9 wfc h104\"><div class=\"t m0 xd8 h35 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(6<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33a y1ff9 w1e h104\"><div class=\"t m0 x69 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(5)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y1ff9 w53 h104\"><div class=\"t m0 x49 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(649)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y1ff9 wd5 h104\"><div class=\"t m0 x4f h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(722) </div></td></tr><tr><td class=\"c x33d y1ffa wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ffa wfc hd5\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(12)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ffa w1e hd5\"><div class=\"t m0 x69 h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(7)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x33b y1ffa w53 hd5\"><div class=\"t m0 x11e h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(1)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x33c y1ffa wd5 hd5\"><div class=\"t m0 xcd h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(20) </div></td></tr><tr><td class=\"t m0 x2f8 h29 y1ffb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement <span class=\"ls29 ws9a\">charg<span class=\"_ _1\"></span>e</span><span class=\"ws1\">/(<span class=\"ls27 ws98\">credit)</span> <span class=\"_ _1\"></span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ffc wfa h104\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls28 ws0\">during the y<span class=\"_ _1\"></span>ear<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x2f4 y1ffc wfc h104\"><div class=\"t m0 x10b h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">14<span class=\"_ _bc\"> </span></div></td><td class=\"c x33a y1ffc w1e h104\"><div class=\"t m0 x10b h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">80<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y1ffc w53 h104\"><div class=\"t m0 x49 h29 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(73<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x33c y1ffc wd5 h104\"><div class=\"t m0 x4f h29 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(64<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x33d y1ffd wfa hd5\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Other movements<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ffe wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ffe wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ffe w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ffe w53 hd5\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">291<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ffe wd5 hd5\"><div class=\"t m0 xcd h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">291 </div></td></tr><tr><td class=\"t m0 x2f8 h35 y1fff ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></td><td class=\"c x2f4 y2000 wfc h106\"><div class=\"t m0 x4f h29 y124c ff3 fs8 fc0 sc0 ls1 ws1\">279<span class=\"_ _bc\"> </span></div></td><td class=\"c x33a y2000 w1e h106\"><div class=\"t m0 x4f h29 y124c ff3 fs8 fc0 sc0 ls1 ws1\">115<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2000 w53 h106\"><div class=\"t m0 xd9 h29 y124c ff3 fs8 fc0 sc0 ls1 ws1\">189<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2000 wd5 h106\"><div class=\"t m0 xcd h29 y124c ff3 fs8 fc0 sc0 ls1 ws1\">583 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w20b h1c9\" id=\"_4c7d00ac-ba6a-4336-b773-09bc2ca1c249\"><tr><td></td><td></td><td></td><td class=\"c x2f4 y2001 wfb h102\"><div class=\"t m0 x135 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x330 h29 y2002 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></td><td class=\"t m0 x331 h29 y2002 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </td><td class=\"t m0 x332 h29 y2002 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x333 h29 y2003 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span></td><td class=\"t m0 x334 h29 y2003 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x335 h29 y2003 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x336 h29 y2003 ff3 fs8 fc0 sc0 ls1 ws1\">Total </td></tr><tr><td></td><td class=\"t m0 x337 h35 y2004 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td class=\"t m0 x338 h35 y2004 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls3 ws114\">ECL</span><span class=\"ffa\"> </span></td><td class=\"t m0 x339 h35 y2004 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f4 y2005 wfc h95\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33a y2005 w1e h95\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33b y2005 w53 h95\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33c y2005 wd5 h95\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x33d y2006 wfa h94\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2007 wfa hdb\"><div class=\"t m0 x10 ha2 y179 ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2008 wfa hdb\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y2008 wfc hdb\"><div class=\"t m0 x4f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">979<span class=\"ffa\"> </span></div></td><td class=\"c x33a y2008 w1e hdb\"><div class=\"t m0 x4f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">446<span class=\"ffa\"> </span></div></td><td class=\"c x33b y2008 w53 hdb\"><div class=\"t m0 xd6 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">6,995<span class=\"ffa\"> </span></div></td><td class=\"c x33c y2008 wd5 hdb\"><div class=\"t m0 xd7 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">8,420 </div></td></tr><tr><td class=\"c x33d y2009 wfa hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y200a wfa had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y200a wfc had\"><div class=\"t m0 xd8 h35 y827 ff3 fs8 fc0 sc0 ls29 ws9a\">(6<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33a y200a w1e had\"><div class=\"t m0 x10b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">65<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200a w53 had\"><div class=\"t m0 xea h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200a wd5 had\"><div class=\"t m0 x37 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y200b wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y200b wfc hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">22<span class=\"ffa\"> </span></div></td><td class=\"c x33a y200b w1e hd5\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(22)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200b w53 hd5\"><div class=\"t m0 xea h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200b wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y200c wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y200c wfc hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">82<span class=\"ffa\"> </span></div></td><td class=\"c x33a y200c w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200c w53 hd5\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(82)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200c wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y200d wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y200d wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y200d w1e hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">27<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200d w53 hd5\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(27)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200d wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y200e wfa hcb\"><div class=\"t m0 xe2 h25 y1262 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y200e wfa hcb\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y200e wfc hcb\"><div class=\"t m0 xd8 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(99)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y200e w1e hcb\"><div class=\"t m0 x4f h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">244<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200e w53 hcb\"><div class=\"t m0 x104 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200e wd5 hcb\"><div class=\"t m0 x49 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">157 </div></td></tr><tr><td class=\"t m0 x2f8 h25 y200f ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2010 wfa hcb\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y2010 wfc hcb\"><div class=\"t m0 xd8 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(60)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y2010 w1e hcb\"><div class=\"t m0 x4f h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">314<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2010 w53 hcb\"><div class=\"t m0 x125 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(97)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2010 wd5 hcb\"><div class=\"t m0 xcd h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">157 </div></td></tr><tr><td class=\"c x33d y2011 wfa hd5\"><div class=\"t m0 x10 h25 y829 ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2011 wfc hd5\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">232<span class=\"ffa\"> </span></div></td><td class=\"c x33a y2011 w1e hd5\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">157<span class=\"ffa\"> </span></div></td><td class=\"c x33b y2011 w53 hd5\"><div class=\"t m0 x104 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">46<span class=\"ffa\"> </span></div></td><td class=\"c x33c y2011 wd5 hd5\"><div class=\"t m0 xcd h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">435 </div></td></tr><tr><td class=\"c x33d y2012 wfa hcb\"><div class=\"t m0 x10 h25 y121f ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x2f8 h25 y2013 ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)* </span><span class=\"ffb ws1\"> </span></td><td class=\"c x2f4 y2012 wfc hcb\"><div class=\"t m0 xd7 h35 y9bd ff3 fs8 fc0 sc0 ls29 ws9a\">(4<span class=\"ls1 ws1\">29</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33a y2012 w1e hcb\"><div class=\"t m0 xb5 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(149)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2012 w53 hcb\"><div class=\"t m0 x49 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(323)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2012 wd5 hcb\"><div class=\"t m0 x4f h29 y9bd ff3 fs8 fc0 sc0 ls29 ws9a\">(90<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x33d y2014 wfa hd5\"><div class=\"t m0 x10 h25 y829 ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2014 wfc hd5\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(44)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y2014 w1e hd5\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(14)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y2014 w53 hd5\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(77<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33c y2014 wd5 hd5\"><div class=\"t m0 x4f h29 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(8<span class=\"ls1 ws1\">34</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x33f y2017 w20c h1ca\"><div class=\"t m0 x26e h29 y2015 ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement (<span class=\"ls28 ws0\">credit)/charg<span class=\"_ _1\"></span>e during<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 x296 h29 y2016 ff3 fs8 fc0 sc0 ls1 ws9b\">the year<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f4 y2018 wfc hcb\"><div class=\"t m0 xd7 h35 y9bd ff3 fs8 fc0 sc0 ls29 ws9a\">(30<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33a y2018 w1e hcb\"><div class=\"t m0 x4f h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">308<span class=\"ffa\"> </span></div></td><td class=\"c x33b y2018 w53 hcb\"><div class=\"t m0 x26 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(1,150)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y2018 wd5 hcb\"><div class=\"t m0 x35 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(1,143) </div></td></tr><tr><td class=\"c x33d y2019 wfa hd5\"><div class=\"t m0 x10 h35 y829 ff3 fs8 fc0 sc0 ls1 ws9b\">Other movements<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y201a wfa hd5\"><div class=\"t m0 x10 h25 y829 ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y201a wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y201a w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y201a w53 hd5\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(386)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y201a wd5 hd5\"><div class=\"t m0 x4f h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(386) </div></td></tr><tr><td class=\"c x33d y201b wfa hd5\"><div class=\"t m0 x10 h25 y8eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y201b wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y201b w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y201b w53 hd5\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">465<span class=\"ffa\"> </span></div></td><td class=\"c x33c y201b wd5 hd5\"><div class=\"t m0 xcd h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">465 </div></td></tr><tr><td class=\"c x33d y201c wfa h106\"><div class=\"t m0 x10 h35 y1274 ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x2f4 y201c wfc h106\"><div class=\"t m0 x4f h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">678<span class=\"ffa\"> </span></div></td><td class=\"c x33a y201c w1e h106\"><div class=\"t m0 x4f h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">754<span class=\"ffa\"> </span></div></td><td class=\"c x33b y201c w53 h106\"><div class=\"t m0 xd6 h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">5,924<span class=\"ffa\"> </span></div></td><td class=\"c x33c y201c wd5 h106\"><div class=\"t m0 xd7 h29 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">7,356 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws68 gs4fd\">The mo<span class=\"_ _1\"></span>vemen<span class=\"_ _1\"></span>ts refl<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> with<span class=\"_ _1\"></span>in th<span class=\"_ _1\"></span>e line it<span class=\"_ _1\"></span>em \u201cC<span class=\"_ _1\"></span>hanges<span class=\"_ _1\"></span> to<span class=\"_ _1\"></span> risk p<span class=\"_ _1\"></span>arameter<span class=\"_ _1\"></span>s\u201d ha<span class=\"_ _1\"></span>ve be<span class=\"_ _1\"></span>en ana<span class=\"_ _1\"></span>lysed<span class=\"_ _1\"></span> and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs4fe\">described in<span class=\"_ _1\"></span> notes 2.3.4.3,<span class=\"_ _1\"></span> 2.3.4.4 and<span class=\"_ _1\"></span> 2.3.9.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs4ff\">*<span class=\"ls5 ws6\">The mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>s refl<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> with<span class=\"_ _1\"></span>in the l<span class=\"_ _1\"></span>ine item \u201c<span class=\"_ _1\"></span>Cha<span class=\"_ _1\"></span>nges to<span class=\"_ _1\"></span> risk p<span class=\"_ _1\"></span>aramet<span class=\"_ _1\"></span>ers\u201d refl<span class=\"_ _1\"></span>ect ch<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>es in E<span class=\"_ _1\"></span>CL due t<span class=\"_ _1\"></span>o </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs500\">improvemen<span class=\"_ _1\"></span>ts in macroecon<span class=\"_ _1\"></span>omic varia<span class=\"_ _1\"></span>bles impacting St<span class=\"_ _1\"></span>age 1 and<span class=\"_ _1\"></span> Stage 2 PDs.  <span class=\"ls1 ws1\"> </span></div><div class=\"gs4f7\"><table class=\"s w20d h1cb\" id=\"_42aa3734-b0eb-4dac-9823-956106b92d0f\"><tr><td class=\"t m0 x31e h3 y201d ff1 fs1 fc0 sc0 ls8 wsa\">The f<span class=\"_ _0\"></span>ollowing t<span class=\"_ _0\"></span>ables e<span class=\"_ _0\"></span>xplain t<span class=\"_ _0\"></span>he chang<span class=\"_ _0\"></span>es in <span class=\"_ _0\"></span>the Gr<span class=\"_ _0\"></span>oup\u2019s los<span class=\"_ _0\"></span>s allow<span class=\"_ _0\"></span>ance be<span class=\"_ _0\"></span>twe<span class=\"_ _0\"></span>en the be<span class=\"_ _0\"></span>ginning and<span class=\"_ _0\"></span> the e<span class=\"_ _0\"></span>nd </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x31e h3 y201e ff1 fs1 fc0 sc0 ls8 wsa\">of the annua<span class=\"_ _0\"></span>l perio<span class=\"_ _0\"></span>d:<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x31f y201f wf6 hf9\"><div class=\"t m0 x31 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x340 h25 y2020 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></td><td class=\"c x320 y2021 wf8 he6\"><div class=\"t m0 xe1 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x321 y2021 wf9 he6\"><div class=\"t m0 xf3 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"c x342 y2023 w20e h1cc\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">12<span class=\"_ _bc\"> </span></div><div class=\"t m0 x341 h25 y2022 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ls29 ws98\">month E<span class=\"_ _1\"></span>CL<span class=\"_ _bc\"> </span></span></div></td><td class=\"t m0 x343 h25 y2024 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime </td><td class=\"t m0 x344 h25 y2024 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime </td><td class=\"t m0 x345 h25 y2024 ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td></td><td class=\"c x320 y2021 wf8 he6\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2021 wf9 he6\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x31f y2025 wf7 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x320 y2025 wf8 h97\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x321 y2025 wf9 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x326 y2025 wa7 h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x327 y2026 wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at FVO<span class=\"_ _1\"></span>CI<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y2027 wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y2027 wf7 h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">471<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2027 wf8 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2027 wf9 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2027 wa7 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">471 </div></td></tr><tr><td class=\"c x327 y2028 wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2028 wf7 h97\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(247)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2028 wf8 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2028 wf9 h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2028 wa7 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(247) </div></td></tr><tr><td class=\"c x327 y2029 wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement credit duri<span class=\"_ _1\"></span>ng the year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2029 wf7 h97\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(247)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2029 wf8 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2029 wf9 h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2029 wa7 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(247) </div></td></tr><tr><td class=\"c x327 y202a wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y202a wf7 h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">224<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202a wf8 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202a wf9 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202a wa7 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">224 </div></td></tr><tr><td class=\"c x327 y202b wf5 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at amo<span class=\"_ _1\"></span>rtised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y202c wf5 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y202c wf7 h95\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">72<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202c wf8 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202c wf9 h95\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202c wa7 h95\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">72 </div></td></tr><tr><td class=\"c x327 y202d wf5 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y202d wf7 h94\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(47)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202d wf8 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202d wf9 h94\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202d wa7 h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(47) </div></td></tr><tr><td class=\"c x327 y202e wf5 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement credit duri<span class=\"_ _1\"></span>ng the year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y202e wf7 h94\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(47)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202e wf8 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202e wf9 h94\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202e wa7 h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(47) </div></td></tr><tr><td class=\"c x327 y202f wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y202f wf7 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">25<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202f wf8 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202f wf9 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202f wa7 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">25 </div></td></tr><tr><td class=\"c x327 y2030 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks at am<span class=\"_ _1\"></span>ortised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y2031 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y2031 wf7 hfc\"><div class=\"t m0 x11e h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2031 wf8 hfc\"><div class=\"t m0 x10b h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2031 wf9 hfc\"><div class=\"t m0 xd9 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2031 wa7 hfc\"><div class=\"t m0 x69 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x327 y2032 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2032 wf7 hfc\"><div class=\"t m0 x104 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">9<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2032 wf8 hfc\"><div class=\"t m0 x10b h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2032 wf9 hfc\"><div class=\"t m0 xd9 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2032 wa7 hfc\"><div class=\"t m0 x10b h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x327 y2033 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l net income stat<span class=\"_ _1\"></span>ement char<span class=\"_ _1\"></span>ge during <span class=\"_ _1\"></span>the year<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2033 wf7 hfc\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2033 wf8 hfc\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2033 wf9 hfc\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2033 wa7 hfc\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x327 y2034 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"_ _bc\"> </span></div></td><td class=\"c x31f y2034 wf7 hfc\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9<span class=\"_ _bc\"> </span></div></td><td class=\"c x320 y2034 wf8 hfc\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x321 y2034 wf9 hfc\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x326 y2034 wa7 hfc\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x327 y2035 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Undrawn c<span class=\"_ _1\"></span>ommitm<span class=\"_ _1\"></span>ents<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y2036 wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y2036 wf7 h96\"><div class=\"t m0 x11e h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2036 wf8 h96\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2036 wf9 h96\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2036 wa7 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6 </div></td></tr><tr><td class=\"c x327 y2037 wf5 hdd\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2037 wf7 hdd\"><div class=\"t m0 xd9 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">70<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2037 wf8 hdd\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">(5)<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2037 wf9 hdd\"><div class=\"t m0 xd9 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2037 wa7 hdd\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">65 </div></td></tr><tr><td class=\"c x327 y2038 wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l net income stat<span class=\"_ _1\"></span>ement char<span class=\"_ _1\"></span>ge/(credit)<span class=\"_ _1\"></span> during t<span class=\"_ _1\"></span>he year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2038 wf7 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">70<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2038 wf8 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(5)<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2038 wf9 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2038 wa7 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">65 </div></td></tr><tr><td class=\"t m0 x328 h25 y2039 ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x31f y203a wf7 hff\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">70<span class=\"ffb\"> </span></div></td><td class=\"c x320 y203a wf8 hff\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y203a wf9 hff\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x326 y203a wa7 hff\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">71 </div></td></tr><tr><td class=\"c x327 y203b wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Contingent lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y203c wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y203c wf7 h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">23<span class=\"ffb\"> </span></div></td><td class=\"c x320 y203c wf8 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y203c wf9 h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y203c wa7 h97\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">23 </div></td></tr><tr><td class=\"c x327 y203d wf5 hab\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y203d wf7 hab\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y203d wf8 hab\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y203d wf9 hab\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y203d wa7 hab\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(11) </div></td></tr><tr><td class=\"c x327 y203e wf5 h100\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement credit duri<span class=\"_ _1\"></span>ng the year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y203e wf7 h100\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffb\"> </span></div></td><td class=\"c n x329 y1fcf w206 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32a y1fcf w206 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x326 y203e wa7 h100\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(11) </div></td></tr><tr><td class=\"c n x32b y1fd0 w20f h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"_ _bc\"> </span></div></td><td class=\"c n x346 y1fd0 w210 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">12<span class=\"_ _bc\"> </span></div></td><td class=\"c n x347 y1fd0 w209 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x348 y1fd0 w209 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x349 y1fd0 w208 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">12<span class=\"_ _bc\"> </span></div></td></tr></table></div><div class=\"gs503\"><table class=\"s w211 h1cd\" id=\"_23840495-45ac-42b7-9b83-58667e31d614\"><tr><td></td><td></td><td></td><td class=\"c x2f4 y203f wfb h102\"><div class=\"t m0 x135 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x330 h25 y2040 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x34a h25 y2040 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </td><td class=\"t m0 x34b h25 y2040 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x34c h25 y2041 ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span></td><td class=\"t m0 x334 h25 y2041 ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x34d h25 y2041 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x34e h25 y2041 ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x337 h25 y2042 ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></td><td class=\"t m0 x338 h25 y2042 ff1 fs8 fc0 sc0 ls1 ws1\"> ECL<span class=\"ffb\"> </span></td><td class=\"t m0 x339 h25 y2042 ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f4 y2043 wfc h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x33a y2043 w1e h94\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x33b y2043 w53 h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x33c y2043 wd5 h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x33d y2044 wfa h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loans a<span class=\"_ _1\"></span>nd advances to c<span class=\"_ _1\"></span>ustom<span class=\"_ _1\"></span>ers at amorti<span class=\"_ _1\"></span>sed cost<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2045 wfa hbc\"><div class=\"t m0 x10 h35 y338 ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2046 wfa hdd\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x2f4 y2046 wfc hdd\"><div class=\"t m0 x35 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">1,270<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2046 w1e hdd\"><div class=\"t m0 x35 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">1,020<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2046 w53 hdd\"><div class=\"t m0 xd6 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">7,858<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2046 wd5 hdd\"><div class=\"t m0 x22 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">10,148 </div></td></tr><tr><td class=\"c x33d y2047 wfa hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2048 wfa hd5\"><div class=\"t m0 xe2 h25 y338 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f4 y2048 wfc hd5\"><div class=\"t m0 xd8 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(14)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2048 w1e hd5\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">14<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2048 w53 hd5\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2048 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y2049 wfa hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2049 wfc hac\"><div class=\"t m0 x10b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">22<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2049 w1e hac\"><div class=\"t m0 xd8 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">(22)<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2049 w53 hac\"><div class=\"t m0 xea h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2049 wd5 hac\"><div class=\"t m0 x37 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y204a wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y204a wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33a y204a w1e hd5\"><div class=\"t m0 xb5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(483)<span class=\"ffb\"> </span></div></td><td class=\"c x33b y204a w53 hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">483<span class=\"ffb\"> </span></div></td><td class=\"c x33c y204a wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y204b wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y204b wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33a y204b w1e hd5\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">31<span class=\"ffb\"> </span></div></td><td class=\"c x33b y204b w53 hd5\"><div class=\"t m0 x125 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(31)<span class=\"ffb\"> </span></div></td><td class=\"c x33c y204b wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y204c wfa h104\"><div class=\"t m0 xe2 h25 ye52 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y204c wfa h104\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x2f4 y204c wfc h104\"><div class=\"t m0 xd8 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(19)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y204c w1e h104\"><div class=\"t m0 xd8 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(28)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y204c w53 h104\"><div class=\"t m0 x104 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">96<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y204c wd5 h104\"><div class=\"t m0 x125 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">49 </div></td></tr><tr><td class=\"t m0 x2f8 h25 y204d ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y204e wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es</span><span class=\"ffb ws1\"> </span></div></td><td class=\"t m0 x34f h25 y204f ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"_ _bc\"> </span></td><td class=\"t m0 x350 h25 y204f ff1 fs8 fc0 sc0 ls1 ws1\">(488)<span class=\"ffb\"> </span></td><td class=\"t m0 x351 h25 y204f ff1 fs8 fc0 sc0 ls1 ws1\">548<span class=\"ffb\"> </span></td><td class=\"t m0 x352 h25 y204f ff1 fs8 fc0 sc0 ls1 ws1\">49 </td></tr><tr><td class=\"c x33d y2050 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2050 wfc hd5\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">441<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2050 w1e hd5\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">38<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2050 w53 hd5\"><div class=\"t m0 x46 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2050 wd5 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">480 </div></td></tr><tr><td class=\"t m0 x2f8 h25 y2051 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2052 wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)* </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y2052 wfc h104\"><div class=\"t m0 xd7 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(733)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2052 w1e h104\"><div class=\"t m0 xd8 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(75)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2052 w53 h104\"><div class=\"t m0 xd9 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">366<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2052 wd5 h104\"><div class=\"t m0 x4f h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(442) </div></td></tr><tr><td class=\"c x33d y2053 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2053 wfc hd5\"><div class=\"t m0 xd7 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(253)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2053 w1e hd5\"><div class=\"t m0 xd8 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(84)<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2053 w53 hd5\"><div class=\"t m0 x49 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(231)<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2053 wd5 hd5\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(568) </div></td></tr><tr><td class=\"c x33d y2054 wfa h104\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement (credit)/c<span class=\"_ _1\"></span>harge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2054 wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y2054 wfc h104\"><div class=\"t m0 xd7 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(556)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2054 w1e h104\"><div class=\"t m0 xb5 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(609)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2054 w53 h104\"><div class=\"t m0 xd9 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">684<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2054 wd5 h104\"><div class=\"t m0 x4f h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(481) </div></td></tr><tr><td class=\"c x33d y2055 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Other mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2056 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y2056 wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2056 w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2056 w53 hd5\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(2,379)<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2056 wd5 hd5\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(2,379) </div></td></tr><tr><td class=\"c x33d y2057 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2057 wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2057 w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2057 w53 hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">198<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2057 wd5 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">198 </div></td></tr><tr><td class=\"t m0 x2f8 h25 y2058 ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c n x353 y2059 w212 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">714<span class=\"_ _bc\"> </span></div></td><td class=\"c n x354 y2059 w213 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">411<span class=\"_ _bc\"> </span></div></td><td class=\"c n x355 y2059 w214 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">6,361<span class=\"_ _bc\"> </span></div></td><td class=\"c n x356 y2059 w214 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">7,486<span class=\"_ _bc\"> </span></div></td></tr></table></div><div class=\"gs505\"><table class=\"s w215 h1ce\" id=\"_83995613-936b-4e91-bf09-d75411770874\"><tr><td></td><td></td><td></td><td class=\"c x358 y205a wfb h102\"><div class=\"t m0 x135 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x359 h25 y205b ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x35a h25 y205b ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </td><td class=\"t m0 x35b h25 y205b ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x35c h25 y205c ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span></td><td class=\"t m0 x35d h25 y205c ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x35e h25 y205c ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x35f h25 y205c ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x360 h25 y205d ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></td><td class=\"t m0 x361 h25 y205d ff1 fs8 fc0 sc0 ls1 ws1\"> ECL<span class=\"ffb\"> </span></td><td class=\"t m0 x362 h25 y205d ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></td><td></td></tr><tr><td></td><td class=\"c x358 y205e wfc h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x363 y205e w1e h94\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x364 y205e w53 h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x365 y205e wd5 h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x366 y205f wfa h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loans a<span class=\"_ _1\"></span>nd advances to c<span class=\"_ _1\"></span>ustom<span class=\"_ _1\"></span>ers at amorti<span class=\"_ _1\"></span>sed cost<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2060 wfa hbc\"><div class=\"t m0 x10 h98 y338 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2061 wfa hdd\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x358 y2061 wfc hdd\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">310<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2061 w1e hdd\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">867<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2061 w53 hdd\"><div class=\"t m0 xd9 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">126<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2061 wd5 hdd\"><div class=\"t m0 xd7 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">1,303 </div></td></tr><tr><td class=\"c x366 y2062 wfa hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2063 wfa hd5\"><div class=\"t m0 xe2 h25 y338 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _bc\"> </span></div></td><td class=\"c x358 y2063 wfc hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(1)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2063 w1e hd5\"><div class=\"t m0 xe6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2063 w53 hd5\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2063 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2064 wfa hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2064 wfc hac\"><div class=\"t m0 xd9 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">(1)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2064 w1e hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2064 w53 hac\"><div class=\"t m0 x8f h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2064 wd5 hac\"><div class=\"t m0 x37 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2065 wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2065 wfc hd5\"><div class=\"t m0 xe6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">8<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2065 w1e hd5\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(8)<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2065 w53 hd5\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2065 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2066 wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2066 wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2066 w1e hd5\"><div class=\"t m0 xb5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(826)<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2066 w53 hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">826<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2066 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2067 wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2067 wfc hd5\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">10<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2067 w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2067 w53 hd5\"><div class=\"t m0 x125 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(10)<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2067 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2068 wfa h104\"><div class=\"t m0 xe2 h25 ye52 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2068 wfa h104\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers<span class=\"_ _bc\"> </span></span></div></td><td class=\"t m0 x367 h25 y2069 ff1 fs8 fc0 sc0 ls1 ws1\">(17)<span class=\"_ _bc\"> </span></td><td class=\"t m0 x368 h25 y2069 ff1 fs8 fc0 sc0 ls1 ws1\">8<span class=\"ffb\"> </span></td><td class=\"t m0 x369 h25 y2069 ff1 fs8 fc0 sc0 ls1 ws1\">53<span class=\"ffb\"> </span></td><td class=\"t m0 x36a h25 y2069 ff1 fs8 fc0 sc0 ls1 ws1\">44 </td></tr><tr><td class=\"t m0 x36b h25 y206a ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y206b wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es<span class=\"_ _bc\"> </span></span></div></td><td class=\"t m0 x36c h25 y206c ff1 fs8 fc0 sc0 ls1 ws1\">(1)<span class=\"_ _bc\"> </span></td><td class=\"t m0 x36d h25 y206c ff1 fs8 fc0 sc0 ls1 ws1\">(825)<span class=\"ffb\"> </span></td><td class=\"t m0 x36e h25 y206c ff1 fs8 fc0 sc0 ls1 ws1\">870<span class=\"ffb\"> </span></td><td class=\"t m0 x36f h25 y206c ff1 fs8 fc0 sc0 ls1 ws1\">44 </td></tr><tr><td class=\"c x366 y206d wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y206d wfc hd5\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">151<span class=\"ffb\"> </span></div></td><td class=\"c x363 y206d w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y206d w53 hd5\"><div class=\"t m0 x104 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">90<span class=\"ffb\"> </span></div></td><td class=\"c x365 y206d wd5 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">241 </div></td></tr><tr><td class=\"c x366 y206e wfa hcb\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y206e wfa hcb\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)* </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x358 y206e wfc hcb\"><div class=\"t m0 xd7 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(187)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y206e w1e hcb\"><div class=\"t m0 x69 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(7)<span class=\"_ _bc\"> </span></div></td><td class=\"c x364 y206e w53 hcb\"><div class=\"t m0 x49 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(396)<span class=\"_ _bc\"> </span></div></td><td class=\"c x365 y206e wd5 hcb\"><div class=\"t m0 x4f h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(590) </div></td></tr><tr><td class=\"c x366 y206f wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y206f wfc hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(8)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y206f w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y206f w53 hd5\"><div class=\"t m0 x125 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(64)<span class=\"ffb\"> </span></div></td><td class=\"c x365 y206f wd5 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(72) </div></td></tr><tr><td class=\"t m0 x36b h25 y2070 ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement (credit)/c<span class=\"_ _1\"></span>harge <span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2071 wfa hcb\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x358 y2071 wfc hcb\"><div class=\"t m0 xd8 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(45)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2071 w1e hcb\"><div class=\"t m0 xb5 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(832)<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2071 w53 hcb\"><div class=\"t m0 xd9 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">500<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2071 wd5 hcb\"><div class=\"t m0 x4f h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(377) </div></td></tr><tr><td class=\"c x366 y2072 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Other mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2073 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2073 wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2073 w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2073 w53 hd5\"><div class=\"t m0 x46 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">8<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2073 wd5 hd5\"><div class=\"t m0 x11e h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">8 </div></td></tr><tr><td class=\"t m0 x36b h25 y2074 ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x358 y2075 wfc h106\"><div class=\"t m0 x4f h25 y124c ff1 fs8 fc0 sc0 ls1 ws1\">265<span class=\"_ _bc\"> </span></div></td><td class=\"c x363 y2075 w1e h106\"><div class=\"t m0 x10b h25 y124c ff1 fs8 fc0 sc0 ls1 ws1\">35<span class=\"_ _bc\"> </span></div></td><td class=\"c x364 y2075 w53 h106\"><div class=\"t m0 xd9 h25 y124c ff1 fs8 fc0 sc0 ls1 ws1\">634<span class=\"_ _bc\"> </span></div></td><td class=\"c x365 y2075 wd5 h106\"><div class=\"t m0 xcd h25 y124c ff1 fs8 fc0 sc0 ls1 ws1\">934 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs507\">The unw<span class=\"_ _0\"></span>inding of<span class=\"_ _0\"></span> discount on<span class=\"_ _0\"></span> \u2018S<span class=\"_ _0\"></span>tage 3<span class=\"_ _0\"></span>\u2019 financ<span class=\"_ _0\"></span>ial assets i<span class=\"_ _11\"></span>s<span class=\"_ _1\"></span> rep<span class=\"_ _0\"></span>orted w<span class=\"_ _0\"></span>ithin '<span class=\"_ _0\"></span>Intere<span class=\"_ _0\"></span>st Incom<span class=\"_ _0\"></span>e' so t<span class=\"_ _0\"></span>hat inter<span class=\"_ _0\"></span>est </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs508\">income is recognis<span class=\"_ _1\"></span>ed on the a<span class=\"_ _1\"></span>mortised co<span class=\"_ _1\"></span>st basis<span class=\"_ _1\"></span> (after deductin<span class=\"_ _1\"></span>g the ECL allowan<span class=\"_ _1\"></span>ce). <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws13f gs509\">Remeas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ent of lo<span class=\"_ _1\"></span>ss a<span class=\"_ _1\"></span>llowa<span class=\"_ _1\"></span>nces a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g from <span class=\"_ _1\"></span>forei<span class=\"_ _1\"></span>gn<span class=\"ls1 ws1\">-</span>excha<span class=\"_ _1\"></span>nge a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her mo<span class=\"_ _1\"></span>vemen<span class=\"_ _1\"></span>ts w<span class=\"_ _1\"></span>ere not<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs50a\">considered<span class=\"_ _1\"></span> significant.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs50b\">Changes in the gr<span class=\"_ _0\"></span>oss car<span class=\"_ _0\"></span>rying amount that contr<span class=\"_ _0\"></span>ibuted<span class=\"_ _0\"></span> to changes<span class=\"_ _0\"></span> in loss<span class=\"_ _0\"></span> allowance<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs50c\">The following t<span class=\"_ _1\"></span>able explai<span class=\"_ _1\"></span>ns changes<span class=\"_ _1\"></span> in the gross<span class=\"_ _1\"></span> carrying amount<span class=\"_ _1\"></span> of the Group\u2019s<span class=\"_ _1\"></span> financial as<span class=\"_ _1\"></span>sets to h<span class=\"_ _1\"></span>elp </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs50d\">demon<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>e their s<span class=\"_ _1\"></span>ignific<span class=\"_ _1\"></span>anc<span class=\"_ _1\"></span>e to the c<span class=\"_ _1\"></span>hanges<span class=\"_ _1\"></span> in the lo<span class=\"_ _1\"></span>ss allo<span class=\"_ _1\"></span>wance for<span class=\"_ _1\"></span> the sa<span class=\"_ _1\"></span>me portfo<span class=\"_ _1\"></span>lio<span class=\"_ _1\"></span>s as <span class=\"ls6 ws8\">highl<span class=\"_ _1\"></span>ighted<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs50e\">above:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w216 h1cf\" id=\"_823ec93e-3d89-4974-bb30-403755098701\"><tr><td></td><td></td><td class=\"c x370 y2076 wfe hf9\"><div class=\"t m0 x3e h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y2077 wbc he6\"><div class=\"t m0 xd4 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1 <span class=\"ws1\"> </span></div></td><td class=\"c x371 y2077 wa5 he6\"><div class=\"t m0 x113 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x372 y2077 wbc he6\"><div class=\"t m0 xd4 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x373 h29 y2078 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span> </td><td class=\"t m0 x374 h29 y2078 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x375 h29 y2078 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls27 ws98\">Life<span class=\"_ _1\"></span>time</span> </td><td></td></tr><tr><td></td><td class=\"c x370 y2077 wbc he6\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"_ _bc\"> </span></div></td><td class=\"c x371 y2077 wa5 he6\"><div class=\"t m0 x49 h29 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL</div></td><td class=\"c x372 y2077 wbc he6\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls3 ws114\">ECL<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x376 y2077 wa5 he6\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x370 y2079 wbc hfc\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x371 y2079 wa5 hfc\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x372 y2079 wbc hfc\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x376 y2079 wa5 hfc\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y207a wfd h9e\"><div class=\"t m0 x10 h29 y979 ff3 fs8 fc0 sc0 ls1 ws9b\">Balances with Central Bank of Malta and treasury </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y207a wfd h9e\"><div class=\"t m0 xdf h29 y3eb ff3 fs8 fc0 sc0 ls27 ws98\">bills<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y207b wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y207b wbc h96\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffa\"> </span></div></td><td class=\"c x371 y207b wa5 h96\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y207b wbc h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y207b wa5 h96\"><div class=\"t m0 x80 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">146,872 </div></td></tr><tr><td class=\"c x2b9 y207c wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y207c wbc h97\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,920,284<span class=\"ffa\"> </span></div></td><td class=\"c x371 y207c wa5 h97\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y207c wbc h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y207c wa5 h97\"><div class=\"t m0 x107 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,920,284 </div></td></tr><tr><td class=\"c x2b9 y207d wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y207d wbc h96\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(3,892,234)<span class=\"ffa\"> </span></div></td><td class=\"c x371 y207d wa5 h96\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y207d wbc h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y207d wa5 h96\"><div class=\"t m0 xe9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(3,892,234) </div></td></tr><tr><td class=\"c x2b9 y207e wfd hac\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December <span class=\"ws1\">2025</span><span class=\"ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y207e wbc hac\"><div class=\"t m0 x80 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">174,922<span class=\"ffa\"> </span></div></td><td class=\"c x371 y207e wa5 hac\"><div class=\"t m0 x46 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y207e wbc hac\"><div class=\"t m0 x6b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y207e wa5 hac\"><div class=\"t m0 x80 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">174,922 </div></td></tr><tr><td class=\"c x2b9 y207f wfd hfc\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at FVOCI<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2080 wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2080 wbc h97\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2080 wa5 h97\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2080 wbc h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2080 wa5 h97\"><div class=\"t m0 x80 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">178,828 </div></td></tr><tr><td class=\"c x2b9 y2081 wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2081 wbc had\"><div class=\"t m0 x1d h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(9,647)<span class=\"_ _bc\"> </span></div></td><td class=\"c x371 y2081 wa5 had\"><div class=\"t m0 x46 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x372 y2081 wbc had\"><div class=\"t m0 x6b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x376 y2081 wa5 had\"><div class=\"t m0 x1d h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(9,647) </div></td></tr><tr><td class=\"c x2b9 y2082 wfd hac\"><div class=\"t m0 x10 h25 y8e7 ff1 fs8 fc0 sc0 ls29 ws98\">Fair value a<span class=\"_ _1\"></span>nd oth<span class=\"_ _1\"></span>er mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2082 wbc hac\"><div class=\"t m0 xe5 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,784<span class=\"_ _bc\"> </span></div></td><td class=\"c x371 y2082 wa5 hac\"><div class=\"t m0 x46 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x372 y2082 wbc hac\"><div class=\"t m0 x6b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x376 y2082 wa5 hac\"><div class=\"t m0 xe5 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,784 </div></td></tr><tr><td class=\"c x2b9 y2083 wfd had\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December <span class=\"ws1\">2025</span><span class=\"ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2083 wbc had\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2083 wa5 had\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2083 wbc had\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2083 wa5 had\"><div class=\"t m0 x80 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">170,965 </div></td></tr><tr><td class=\"c x2b9 y2084 wfd hfc\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at amortised cost<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2085 wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2085 wbc had\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2085 wa5 had\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2085 wbc had\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2085 wa5 had\"><div class=\"t m0 x113 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">21,132 </div></td></tr><tr><td class=\"c x2b9 y2086 wfd hac\"><div class=\"t m0 x10 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2086 wbc hac\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">13,596<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2086 wa5 hac\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2086 wbc hac\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2086 wa5 hac\"><div class=\"t m0 x113 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">13,596 </div></td></tr><tr><td class=\"c x2b9 y2087 wfd hac\"><div class=\"t m0 x10 h25 y8e7 ff1 fs8 fc0 sc0 ls1 ws1\">O<span class=\"ls4 ws9a\">ther movem<span class=\"_ _1\"></span>ents</span><span class=\"ffb\"> </span></div></td><td class=\"c x370 y2087 wbc hac\"><div class=\"t m0 xd6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(825)<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2087 wa5 hac\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2087 wbc hac\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2087 wa5 hac\"><div class=\"t m0 xd6 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(825) </div></td></tr><tr><td class=\"c x2b9 y2088 wfd hac\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December <span class=\"ws1\">2025</span><span class=\"ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2088 wbc hac\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2088 wa5 hac\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2088 wbc hac\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2088 wa5 hac\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903 </div></td></tr><tr><td class=\"c x2b9 y2089 wfd hfc\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to banks at amortised cost<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y208a wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y208a wbc h95\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">46,198<span class=\"ffa\"> </span></div></td><td class=\"c x371 y208a wa5 h95\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y208a wbc h95\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y208a wa5 h95\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">46,198 </div></td></tr><tr><td class=\"c x2b9 y208b wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y208b wbc had\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,110,967<span class=\"ffa\"> </span></div></td><td class=\"c x371 y208b wa5 had\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y208b wbc had\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y208b wa5 had\"><div class=\"t m0 x107 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,110,967 </div></td></tr><tr><td class=\"c x2b9 y208c wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y208c wbc hac\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(5,094,739)<span class=\"ffa\"> </span></div></td><td class=\"c x371 y208c wa5 hac\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y208c wbc hac\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y208c wa5 hac\"><div class=\"t m0 xe9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(5,094,739) </div></td></tr><tr><td class=\"c x2b9 y208d wfd had\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December <span class=\"ws1\">2025<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x370 y208d wbc had\"><div class=\"t m0 x113 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">62,426<span class=\"_ _bc\"> </span></div></td><td class=\"c x371 y208d wa5 had\"><div class=\"t m0 x46 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x372 y208d wbc had\"><div class=\"t m0 x6b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x376 y208d wa5 had\"><div class=\"t m0 x113 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">62,426 </div></td></tr></table></div><div class=\"gs4f9\"><table class=\"s w217 h1d0\" id=\"_8623eeb3-87f4-441e-b4a8-8b1172fa088f\"><tr><td></td><td></td><td class=\"c x370 y208e w103 h102\"><div class=\"t m0 x8 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y208f w104 he5\"><div class=\"t m0 x26 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1 <span class=\"ws1\"> </span></div></td><td class=\"c x377 y208f waf he5\"><div class=\"t m0 x26 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x378 y208f w105 he5\"><div class=\"t m0 x35 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x379 h29 y2090 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span> </td><td class=\"t m0 x37a h29 y2090 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x37b h29 y2090 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y208f w104 he5\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x377 y208f waf he5\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x378 y208f w105 he5\"><div class=\"t m0 x125 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x37c y208f w106 he5\"><div class=\"t m0 xb5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x370 y2091 w104 h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x377 y2091 waf h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x378 y2091 w105 h96\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x37c y2091 w106 h96\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y2092 w218 h1a7\"><div class=\"t m0 x26e h29 y1e31 ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x296 h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws9b\">amortised cost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2093 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2094 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2094 w104 hfc\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">277,046<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2094 waf hfc\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,732<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2094 w105 hfc\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,547<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2094 w106 hfc\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">286,325 </div></td></tr><tr><td class=\"c x2b9 y2095 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2096 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2096 w104 had\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(624)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2096 waf had\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">624<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2096 w105 had\"><div class=\"t m0 xea h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2096 w106 had\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2097 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2097 w104 hac\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(175)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2097 waf hac\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2097 w105 hac\"><div class=\"t m0 x69 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">175<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2097 w106 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2098 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2098 w104 hac\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">115<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2098 waf hac\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(115)<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2098 w105 hac\"><div class=\"t m0 xea h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2098 w106 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2099 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage <span class=\"ls1 ws1\">3 </span>to Sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2099 w104 had\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">82<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2099 waf had\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2099 w105 had\"><div class=\"t m0 x27 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(82)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2099 w106 had\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y209a wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage <span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y209a w104 hac\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209a waf hac\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">132<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209a w105 hac\"><div class=\"t m0 xcd h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(132)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y209a w106 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y209b w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y209c w104 h9e\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(602)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209c waf h9e\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">641<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209c w105 h9e\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(39)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y209c w106 h9e\"><div class=\"t m0 x37 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y209d wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y209d w104 h96\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">57,442<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209d waf h96\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">622<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209d w105 h96\"><div class=\"t m0 x8f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x37c y209d w106 h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">58,066 </div></td></tr><tr><td class=\"c x2b9 y209e wfd h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y209e wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y209e w104 h9e\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(3,130)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209e waf h9e\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">291<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209e w105 h9e\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(134)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y209e w106 h9e\"><div class=\"t m0 x35 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(2,973) </div></td></tr><tr><td class=\"c x2b9 y209f wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y209f w104 h97\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13,292)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209f waf h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(504)<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209f w105 h97\"><div class=\"t m0 x37 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x37c y209f w106 h97\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13,797) </div></td></tr><tr><td class=\"c x2b9 y20a0 wfd h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Total net chang<span class=\"_ _1\"></span>e during the y<span class=\"_ _1\"></span>ear<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x370 y20a0 w104 h96\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">40,418<span class=\"ffa\"> </span></div></td><td class=\"c x377 y20a0 waf h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">1,0<span class=\"ls1 ws1\">50</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x378 y20a0 w105 h96\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(172)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y20a0 w106 h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">41,296 </div></td></tr><tr><td class=\"c x2b9 y20a1 wfd h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x370 y20a1 w104 h96\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">317,464<span class=\"ffa\"> </span></div></td><td class=\"c x377 y20a1 waf h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,782<span class=\"ffa\"> </span></div></td><td class=\"c x378 y20a1 w105 h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,375<span class=\"ffa\"> </span></div></td><td class=\"c x37c y20a1 w106 h96\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">327,621 </div></td></tr></table></div><div class=\"gs4f9\"><table class=\"s w21a h1d1\" id=\"_40b0c1de-3dd4-4123-be9a-88c8fc9a6796\"><tr><td></td><td></td><td class=\"c x370 y20a2 w100 h102\"><div class=\"t m0 x3f h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y20a3 w101 he5\"><div class=\"t m0 x22 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1 <span class=\"ws1\"> </span></div></td><td class=\"c x37e y20a3 w101 he5\"><div class=\"t m0 x113 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x37f y20a3 w8f he5\"><div class=\"t m0 x22 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x380 h29 y20a4 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span> </td><td class=\"t m0 x381 h29 y20a4 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x382 h29 y20a4 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y20a3 w101 he5\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x37e y20a3 w101 he5\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x37f y20a3 w8f he5\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x383 y20a3 w101 he5\"><div class=\"t m0 xb5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x370 y20a5 w101 h96\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x37e y20a5 w101 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x37f y20a5 w8f h96\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x383 y20a5 w101 h96\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y20a6 w218 h1a7\"><div class=\"t m0 x26e h29 y1e31 ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x296 h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws9b\">amortised cost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20a7 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20a8 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y20a8 w101 hfc\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">699,257<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20a8 w101 hfc\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">131,158<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20a8 w8f hfc\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">50,687<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20a8 w101 hfc\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">881,102 </div></td></tr><tr><td class=\"c x2b9 y20a9 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20aa wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20aa w101 had\"><div class=\"t m0 x33 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(43,154)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20aa w101 had\"><div class=\"t m0 x1d h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">43,154<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20aa w8f had\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20aa w101 had\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ab wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ab w101 hac\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(175)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20ab w101 hac\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20ab w8f hac\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">175<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20ab w101 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ac wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ac w101 hac\"><div class=\"t m0 x1d h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">24,534<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20ac w101 hac\"><div class=\"t m0 x33 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(24,534)<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20ac w8f hac\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20ac w101 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ad wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ad w101 had\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20ad w101 had\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(94)<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20ad w8f had\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">94<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20ad w101 had\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ae wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ae w101 hac\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">82<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20ae w101 hac\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20ae w8f hac\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(82)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20ae w101 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20af wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20af w101 hac\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20af w101 hac\"><div class=\"t m0 x26 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,397<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20af w8f hac\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(1,397)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20af w101 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y20b0 w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y20b1 w101 h9e\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(18,713)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b1 w101 h9e\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">19,923<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b1 w8f h9e\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(1,210)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b1 w101 h9e\"><div class=\"t m0 x37 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20b2 wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20b2 w101 h95\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">135,574<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b2 w101 h95\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,109<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b2 w8f h95\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">193<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b2 w101 h95\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">150,876 </div></td></tr><tr><td class=\"c x2b9 y20b3 wfd h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20b3 wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y20b3 w101 h9e\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(32,739)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b3 w101 h9e\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">383<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b3 w8f h9e\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">749<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b3 w101 h9e\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(31,607) </div></td></tr><tr><td class=\"c x2b9 y20b4 wfd h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20b4 w101 h94\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(45,347)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b4 w101 h94\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(14,060)<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b4 w8f h94\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(4,111)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b4 w101 h94\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(63,518) </div></td></tr><tr><td class=\"c x2b9 y20b5 wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y20b5 w101 h95\"><div class=\"t m0 x37 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b5 w101 h95\"><div class=\"t m0 x37 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b5 w8f h95\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(386)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b5 w101 h95\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(386) </div></td></tr><tr><td class=\"c x2b9 y20b6 wfd h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Total net chang<span class=\"_ _1\"></span>e during the y<span class=\"_ _1\"></span>ear<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x370 y20b6 w101 h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">38,775<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b6 w101 h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">21,355<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b6 w8f h96\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(4,765)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b6 w101 h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,365 </div></td></tr><tr><td class=\"c x2b9 y20b7 wfd h94\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x370 y20b7 w101 h94\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">738,032<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b7 w101 h94\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">152,513<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b7 w8f h94\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">45,922<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b7 w101 h94\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">936,467 </div></td></tr></table></div><div class=\"gs513\"><table class=\"s w21b h1d2\" id=\"_29392899-2f46-486e-9761-814d528892a3\"><tr><td></td><td></td><td class=\"c x370 y20b8 wfe h102\"><div class=\"t m0 x3e h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y20b9 wbc he5\"><div class=\"t m0 x33 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x371 y20b9 wa5 he5\"><div class=\"t m0 x113 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x372 y20b9 wbc he5\"><div class=\"t m0 xd4 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x373 h25 y20ba ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span> </td><td class=\"t m0 x384 h25 y20ba ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x375 h25 y20ba ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls28 ws99\">Lifetime</span> </td><td></td></tr><tr><td></td><td class=\"c x370 y20b9 wbc he5\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20b9 wa5 he5\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20b9 wbc he5\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> ECL<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20b9 wa5 he5\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x370 y20bb wbc hfc\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x371 y20bb wa5 hfc\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x372 y20bb wbc hfc\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x376 y20bb wa5 hfc\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y20bc wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Balanc<span class=\"_ _1\"></span>es with Ce<span class=\"_ _1\"></span>ntral Bank<span class=\"_ _1\"></span> of Ma<span class=\"_ _1\"></span>lta and tr<span class=\"_ _1\"></span>easury <span class=\"_ _1\"></span>bills<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20bd wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20bd wbc h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">138,157<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20bd wa5 h96\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20bd wbc h96\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20bd wa5 h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">138,157 </div></td></tr><tr><td class=\"c x2b9 y20be wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20be wbc h95\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,016,795<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20be wa5 h95\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20be wbc h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20be wa5 h95\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,016,795 </div></td></tr><tr><td class=\"c x2b9 y20bf wfd h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20bf wbc h94\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(6,008,080)<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20bf wa5 h94\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20bf wbc h94\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20bf wa5 h94\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(6,008,080) </div></td></tr><tr><td class=\"c x2b9 y20c0 wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c0 wbc hac\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c0 wa5 hac\"><div class=\"t m0 x46 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c0 wbc hac\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c0 wa5 hac\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">146,872 </div></td></tr><tr><td class=\"c x2b9 y20c1 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at FVO<span class=\"_ _1\"></span>CI<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20c2 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20c2 wbc h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">199,965<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c2 wa5 h96\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c2 wbc h96\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c2 wa5 h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">199,965 </div></td></tr><tr><td class=\"c x2b9 y20c3 wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c3 wbc hac\"><div class=\"t m0 x90 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">(29,283)<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c3 wa5 hac\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c3 wbc hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c3 wa5 hac\"><div class=\"t m0 x90 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">(29,283) </div></td></tr><tr><td class=\"c x2b9 y20c4 wfd hac\"><div class=\"t m0 x10 h25 y99e ff1 fs8 fc0 sc0 ls29 ws98\">Fair value a<span class=\"_ _1\"></span>nd oth<span class=\"_ _1\"></span>er mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c4 wbc hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">8,146<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c4 wa5 hac\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c4 wbc hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c4 wa5 hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">8,146 </div></td></tr><tr><td class=\"c x2b9 y20c5 wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c5 wbc hac\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c5 wa5 hac\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c5 wbc hac\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c5 wa5 hac\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,828 </div></td></tr><tr><td class=\"c x2b9 y20c6 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at amo<span class=\"_ _1\"></span>rtised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20c7 wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20c7 wbc hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">8,357<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c7 wa5 hac\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c7 wbc hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c7 wa5 hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">8,357 </div></td></tr><tr><td class=\"c x2b9 y20c8 wfd hac\"><div class=\"t m0 x10 h25 y99e ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c8 wbc hac\"><div class=\"t m0 x113 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">12,542<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c8 wa5 hac\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c8 wbc hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c8 wa5 hac\"><div class=\"t m0 x113 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">12,542 </div></td></tr><tr><td class=\"c x2b9 y20c9 wfd had\"><div class=\"t m0 x10 h25 y99e ff1 fs8 fc0 sc0 ls4 ws9a\">Other mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c9 wbc had\"><div class=\"t m0 xd8 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">233<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c9 wa5 had\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c9 wbc had\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c9 wa5 had\"><div class=\"t m0 xd8 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">233 </div></td></tr><tr><td class=\"c x2b9 y20ca wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ca wbc hac\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20ca wa5 hac\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20ca wbc hac\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20ca wa5 hac\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132 </div></td></tr><tr><td class=\"c x2b9 y20cb wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks at am<span class=\"_ _1\"></span>ortised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20cc wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20cc wbc h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">38,139<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20cc wa5 h97\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20cc wbc h97\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20cc wa5 h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">38,139 </div></td></tr><tr><td class=\"c x2b9 y20cd wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20cd wbc had\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,319,694<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20cd wa5 had\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20cd wbc had\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20cd wa5 had\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,319,694 </div></td></tr><tr><td class=\"c x2b9 y20ce wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ce wbc hac\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,311,635)<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20ce wa5 hac\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20ce wbc hac\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20ce wa5 hac\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,311,635) </div></td></tr><tr><td class=\"c x2b9 y20cf wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y20cf wbc had\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">46,198<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20cf wa5 had\"><div class=\"t m0 x46 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20cf wbc had\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20cf wa5 had\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">46,198 </div></td></tr></table></div><div class=\"gs503\"><table class=\"s w21c h1d3\" id=\"_5ea217e9-0221-4b49-9a54-319b630fddbf\"><tr><td></td><td></td><td class=\"c x370 y20d0 w100 h102\"><div class=\"t m0 x3f h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y20d1 w101 he5\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x37e y20d1 w101 he5\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x37f y20d1 w8f he5\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x380 h25 y20d2 ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span> </td><td class=\"t m0 x385 h25 y20d2 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x386 h25 y20d2 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y20d1 w101 he5\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d1 w101 he5\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d1 w8f he5\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d1 w101 he5\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x370 y20d3 w101 h96\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d3 w101 h96\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d3 w8f h96\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d3 w101 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y20d4 w21d h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">amortised c<span class=\"_ _1\"></span>ost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20d5 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20d6 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20d6 w101 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">379,074<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d6 w101 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">122,035<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d6 w8f hfc\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,943<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d6 w101 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">529,052 </div></td></tr><tr><td class=\"c x2b9 y20d7 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20d8 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20d8 w101 had\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(43,190)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d8 w101 had\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">43,190<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d8 w8f had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d8 w101 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20d9 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20d9 w101 hac\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(2,407)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d9 w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d9 w8f hac\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2,407<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d9 w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20da wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20da w101 hac\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">13,310<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20da w101 hac\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(13,310)<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20da w8f hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20da w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20db wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20db w101 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20db w101 had\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(27,511)<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20db w8f had\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">27,511<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20db w101 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20dc wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20dc w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20dc w101 hac\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,951<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20dc w8f hac\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(1,951)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20dc w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y20dd w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y20de w101 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(32,287)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20de w101 h9e\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,320<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20de w8f h9e\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,967<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20de w101 h9e\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20df wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20df w101 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">116,054<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20df w101 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,156<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20df w8f h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,004<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20df w101 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">133,214 </div></td></tr><tr><td class=\"c x2b9 y20e0 wfd h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20e0 wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20e0 w101 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(17,735)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20e0 w101 h9e\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,505)<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20e0 w8f h9e\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(6,352)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20e0 w101 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(28,592) </div></td></tr><tr><td class=\"c x2b9 y20e1 wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20e1 w101 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(22,895)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20e1 w101 h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(8,580)<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20e1 w8f h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,801)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20e1 w101 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(36,276) </div></td></tr><tr><td class=\"c x2b9 y20e2 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y20e2 w101 h96\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20e2 w101 h96\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20e2 w8f h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,621)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20e2 w101 h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,621) </div></td></tr><tr><td class=\"c x2b9 y20e3 wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Tota<span class=\"_ _1\"></span>l net change <span class=\"_ _1\"></span>during t<span class=\"_ _1\"></span>he year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20e3 w101 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">43,137<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20e3 w101 h95\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,391<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20e3 w8f h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">16,197<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20e3 w101 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">65,725 </div></td></tr><tr><td class=\"c x2b9 y1f13 wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y1f13 w101 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">422,211<span class=\"ffb\"> </span></div></td><td class=\"c x37e y1f13 w101 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">128,426<span class=\"ffb\"> </span></div></td><td class=\"c x37f y1f13 w8f h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">44,140<span class=\"ffb\"> </span></div></td><td class=\"c x383 y1f13 w101 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">594,777 </div></td></tr></table></div><div class=\"gs503\"><table class=\"s w21e h1d0\" id=\"_ffec6f44-f587-4583-9c2e-459b948149c1\"><tr><td></td><td></td><td class=\"c x370 y20e4 w103 h102\"><div class=\"t m0 x8 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y20e5 w104 he5\"><div class=\"t m0 x26 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x377 y20e5 waf he5\"><div class=\"t m0 x26 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x378 y20e5 w105 he5\"><div class=\"t m0 x35 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x387 h25 y20e6 ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span> </td><td class=\"t m0 x388 h25 y20e6 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x37b h25 y20e6 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y20e5 w104 he5\"><div class=\"t m0 xe6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20e5 waf he5\"><div class=\"t m0 xe6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20e5 w105 he5\"><div class=\"t m0 x125 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20e5 w106 he5\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x370 y20e7 w104 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x377 y20e7 waf h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x378 y20e7 w105 h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x37c y20e7 w106 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y20e8 w21d h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">amortised c<span class=\"_ _1\"></span>ost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20e9 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20ea wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20ea w104 hfc\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">232,239<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ea waf hfc\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,189<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ea w105 hfc\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,275<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ea w106 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">240,703 </div></td></tr><tr><td class=\"c x2b9 y20eb wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20ec wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ec w104 had\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(789)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ec waf had\"><div class=\"t m0 xe6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">789<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ec w105 had\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ec w106 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ed wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ed w104 hac\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(420)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ed waf hac\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ed w105 hac\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">420<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ed w106 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ee wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ee w104 hac\"><div class=\"t m0 xe6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">799<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ee waf hac\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(799)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ee w105 hac\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ee w106 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ef wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ef w104 had\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ef waf had\"><div class=\"t m0 xd6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(3,868)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ef w105 had\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">3,868<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ef w106 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20f0 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f0 w104 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">11<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f0 waf hac\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f0 w105 hac\"><div class=\"t m0 x27 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f0 w106 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y20f1 w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y20f2 w104 h9e\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(399)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f2 waf h9e\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(3,878)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f2 w105 h9e\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,277<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f2 w106 h9e\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20f3 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f3 w104 h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">62,704<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f3 waf h96\"><div class=\"t m0 xea h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f3 w105 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,391<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f3 w106 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">64,098 </div></td></tr><tr><td class=\"c x2b9 y20f4 wfd h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20f4 wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20f4 w104 h9e\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(10,219)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f4 waf h9e\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(501)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f4 w105 h9e\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">125<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f4 w106 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(10,595) </div></td></tr><tr><td class=\"c x2b9 y20f5 wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f5 w104 h97\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,279)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f5 waf h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(81)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f5 w105 h97\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(521)<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f5 w106 h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,881) </div></td></tr><tr><td class=\"c x2b9 y20f6 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Tota<span class=\"_ _1\"></span>l net change <span class=\"_ _1\"></span>during t<span class=\"_ _1\"></span>he year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f6 w104 h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">44,807<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f6 waf h96\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,457)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f6 w105 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,272<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f6 w106 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">45,622 </div></td></tr><tr><td class=\"c x2b9 y20f7 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f7 w104 h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">277,046<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f7 waf h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,732<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f7 w105 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,547<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f7 w106 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">286,325 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w21c h1d1\" id=\"_8506031d-c07e-4baa-b46e-c7e207f9e216\"><tr><td></td><td></td><td></td><td class=\"c x370 y20f8 w108 h102\"><div class=\"t m0 x3f h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td></tr><tr><td></td><td class=\"c x370 y20f9 w109 h11b\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x389 y20f9 w109 h11b\"><div class=\"t m0 x113 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x38a y20f9 w109 h11b\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x380 h25 y20fa ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span> </td><td class=\"t m0 x381 h25 y20fa ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x382 h25 y20fa ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y20f9 w109 h11b\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x389 y20f9 w109 h11b\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x38a y20f9 w109 h11b\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20f9 w109 h11b\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x370 y20fb w109 h94\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x389 y20fb w109 h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x38a y20fb w109 h94\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x383 y20fb w109 h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y20fc w21d h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">amortised c<span class=\"_ _1\"></span>ost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20fd wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20fe wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20fe w109 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">611,313<span class=\"ffb\"> </span></div></td><td class=\"c x389 y20fe w109 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">129,224<span class=\"ffb\"> </span></div></td><td class=\"c x38a y20fe w109 hfc\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">29,218<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20fe w109 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">769,755 </div></td></tr><tr><td class=\"c x2b9 y20ff wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2100 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2100 w109 had\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(43,979)<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2100 w109 had\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">43,979<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2100 w109 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2100 w109 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2101 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2101 w109 hac\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(2,827)<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2101 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2101 w109 hac\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2,827<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2101 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2102 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2102 w109 hac\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">14,109<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2102 w109 hac\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(14,109)<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2102 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2102 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2103 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2103 w109 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2103 w109 had\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(31,379)<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2103 w109 had\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">31,379<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2103 w109 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2104 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2104 w109 hac\"><div class=\"t m0 x125 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">11<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2104 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2104 w109 hac\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2104 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2105 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2105 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2105 w109 hac\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,951<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2105 w109 hac\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(1,951)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2105 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y20dd w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y2106 w109 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(32,686)<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2106 w109 h9e\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">442<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2106 w109 h9e\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">32,244<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2106 w109 h9e\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2107 wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2107 w109 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,758<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2107 w109 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,159<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2107 w109 h95\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,395<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2107 w109 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">197,312 </div></td></tr><tr><td class=\"c x2b9 y2108 wfd h9e\"><div class=\"t m0 x10 h25 y979 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2108 wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 2024<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y2108 w109 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(27,954)<span class=\"_ _bc\"> </span></div></td><td class=\"c x389 y2108 w109 h9e\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(5,006)<span class=\"_ _bc\"> </span></div></td><td class=\"c x38a y2108 w109 h9e\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(6,227)<span class=\"_ _bc\"> </span></div></td><td class=\"c x383 y2108 w109 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(39,187) </div></td></tr><tr><td class=\"c x2b9 y2109 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2109 w109 h96\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(30,174)<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2109 w109 h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(8,661)<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2109 w109 h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(5,322)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2109 w109 h96\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(44,157) </div></td></tr><tr><td class=\"c x2b9 y210a wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y210a w109 h97\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x389 y210a w109 h97\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x38a y210a w109 h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,621)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y210a w109 h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,621) </div></td></tr><tr><td class=\"c x2b9 y210b wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Tota<span class=\"_ _1\"></span>l net change <span class=\"_ _1\"></span>during t<span class=\"_ _1\"></span>he year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y210b w109 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">87,944<span class=\"ffb\"> </span></div></td><td class=\"c x389 y210b w109 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,934<span class=\"ffb\"> </span></div></td><td class=\"c x38a y210b w109 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,469<span class=\"ffb\"> </span></div></td><td class=\"c x383 y210b w109 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">111,347 </div></td></tr><tr><td class=\"c x2b9 y210c wfd h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y210c w109 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">699,257<span class=\"ffb\"> </span></div></td><td class=\"c x389 y210c w109 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">131,158<span class=\"ffb\"> </span></div></td><td class=\"c x38a y210c w109 h94\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">50,687<span class=\"ffb\"> </span></div></td><td class=\"c x383 y210c w109 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">881,102 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs518\">Undrawn com<span class=\"_ _1\"></span>mitments t<span class=\"_ _1\"></span>o lend as a<span class=\"_ _1\"></span>t 31 December 202<span class=\"ls1 ws1\">5 <span class=\"ls8 ws2d\">a<span class=\"_ _1\"></span>mounted to </span></span><span class=\"ws8\">\u20ac355,682,000<span class=\"ls1 ws1\"> </span>(202<span class=\"_ _1\"></span><span class=\"ls1 ws1\">4<span class=\"lsd ws6c\">: \u20ac</span></span>291,647,000<span class=\"_ _1\"></span><span class=\"lsd ws44\">) </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs519\">and predom<span class=\"_ _0\"></span>inantly com<span class=\"_ _0\"></span>prise o<span class=\"_ _0\"></span>f sanctio<span class=\"_ _0\"></span>ned but not ye<span class=\"_ _0\"></span>t draw<span class=\"_ _0\"></span>n faci<span class=\"_ _0\"></span>lities w<span class=\"_ _0\"></span>hich are<span class=\"_ _0\"></span> classified as \u2018St<span class=\"_ _0\"></span>age 1\u2019<span class=\"_ _0\"></span> (12<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs51a\">month ECL)<span class=\"_ _0\"></span> upon drawdow<span class=\"_ _0\"></span>n by customer<span class=\"_ _0\"></span>s. Change<span class=\"_ _0\"></span>s in gross ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ount of undr<span class=\"_ _0\"></span>awn com<span class=\"_ _0\"></span>mitme<span class=\"_ _0\"></span>nts to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs51b\">lend mainly<span class=\"_ _1\"></span> relate to existing facil<span class=\"_ _1\"></span>ities drawn <span class=\"ls8 ws15\">down by custo<span class=\"_ _0\"></span>mers and ne<span class=\"_ _0\"></span>w f<span class=\"_ _0\"></span>acilit<span class=\"_ _0\"></span>ies sancti<span class=\"_ _0\"></span>oned during<span class=\"_ _0\"></span> 202<span class=\"ls1 ws1\">5 </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs51c\">and 202<span class=\"ls1 ws1\">4. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws85 gs51d\">Contingent<span class=\"_ _1\"></span> liabilities as<span class=\"_ _1\"></span> at 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 <span class=\"_ _1d\"> </span><span class=\"ls8 ws58\">amounting t<span class=\"_ _0\"></span>o<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls6 ws8\">\u20ac22,<span class=\"_ _1\"></span>055,000</span>  <span class=\"lsd ws44\">(202</span>4<span class=\"lsd ws140\">: \u20ac<span class=\"ls6 ws8\">19,827,000<span class=\"ls7 ws78\">) are all<span class=\"_ _1\"></span> </span></span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws65 gs51e\">classified a<span class=\"_ _1\"></span>s \u2018Stage 1\u2019 (12<span class=\"ls1 ws1\">-<span class=\"ls8 ws7a\">month ECL) b<span class=\"_ _0\"></span>y the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> Chang<span class=\"_ _0\"></span>es in gr<span class=\"_ _0\"></span>oss car<span class=\"_ _0\"></span>rying<span class=\"_ _0\"></span> amount of<span class=\"_ _0\"></span> conting<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs51f\">liabilities mai<span class=\"_ _1\"></span>nly related to t<span class=\"_ _1\"></span>he expiry or enforcement o<span class=\"_ _1\"></span>f existing finan<span class=\"_ _1\"></span>cial guarant<span class=\"_ _1\"></span>ees and the issuan<span class=\"_ _1\"></span>ce of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs520\">new financial gu<span class=\"_ _1\"></span>arantees<span class=\"_ _1\"></span> during 202<span class=\"ls1 ws1\">5 </span>an<span class=\"_ _1\"></span>d 202<span class=\"ls1 ws1\">4. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs521\">Changes in<span class=\"_ _1\"></span> gross carrying a<span class=\"_ _1\"></span>mount aris<span class=\"_ _1\"></span>ing from foreign<span class=\"ls1 ws1\">-<span class=\"ls5 ws3f\">exch<span class=\"_ _1\"></span>ange an<span class=\"_ _1\"></span>d oth<span class=\"_ _1\"></span>er movemen<span class=\"_ _1\"></span>ts we<span class=\"_ _1\"></span>re not s<span class=\"_ _1\"></span>ignifi<span class=\"_ _1\"></span>cant.</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs522\">2.3.11<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls9 wsa\">Write<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">off po<span class=\"_ _1\"></span>licy</span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs523\">The Grou<span class=\"_ _1\"></span>p writ<span class=\"_ _1\"></span>es off lo<span class=\"_ _1\"></span>ans a<span class=\"_ _1\"></span>nd a<span class=\"_ _1\"></span>dvan<span class=\"_ _1\"></span>ces to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span> when it<span class=\"_ _1\"></span> determin<span class=\"_ _1\"></span>es tha<span class=\"_ _1\"></span>t thes<span class=\"_ _1\"></span>e are un<span class=\"_ _1\"></span>collect<span class=\"_ _1\"></span>ible, it<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws58 gs524\">has exhau<span class=\"_ _0\"></span>sted all <span class=\"_ _0\"></span>pract<span class=\"_ _0\"></span>ical r<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>overy e<span class=\"_ _0\"></span>ffort<span class=\"_ _0\"></span>s and has con<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>d there<span class=\"_ _0\"></span> is no r<span class=\"_ _0\"></span>easonabl<span class=\"_ _0\"></span>e ex<span class=\"_ _0\"></span>pectat<span class=\"_ _0\"></span>ion of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs525\">recover<span class=\"_ _1\"></span>y. Th<span class=\"_ _1\"></span>is is<span class=\"_ _1\"></span> generall<span class=\"_ _1\"></span>y th<span class=\"_ _1\"></span>e cas<span class=\"_ _1\"></span>e when<span class=\"_ _1\"></span> the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mines<span class=\"_ _1\"></span> that<span class=\"_ _1\"></span> the bo<span class=\"_ _1\"></span>rrower<span class=\"_ _1\"></span> does n<span class=\"_ _1\"></span>ot ha<span class=\"_ _1\"></span>ve as<span class=\"_ _1\"></span>sets o<span class=\"_ _1\"></span>r </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs526\">sources of<span class=\"_ _0\"></span> incom<span class=\"_ _0\"></span>e that could ge<span class=\"_ _0\"></span>nerat<span class=\"_ _0\"></span>e suffic<span class=\"_ _0\"></span>ient cash fl<span class=\"_ _0\"></span>ows to repay the<span class=\"_ _0\"></span> amounts subje<span class=\"_ _0\"></span>ct to the<span class=\"_ _0\"></span> write<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">offs<span class=\"_ _1\"></span>. <span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs527\">The Grou<span class=\"_ _1\"></span>p may wr<span class=\"_ _1\"></span>ite<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">off financi<span class=\"_ _1\"></span>al assets tha<span class=\"_ _1\"></span>t are still subject to enforcement acti<span class=\"_ _1\"></span>vity. The Group<span class=\"_ _1\"></span> still seeks </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs528\">to reco<span class=\"_ _0\"></span>ver amo<span class=\"_ _0\"></span>unts it is le<span class=\"_ _0\"></span>gally owed in f<span class=\"_ _0\"></span>ull, but w<span class=\"_ _0\"></span>hich have bee<span class=\"_ _0\"></span>n partial<span class=\"_ _0\"></span>ly wri<span class=\"_ _0\"></span>tten off due to no<span class=\"_ _0\"></span> reasonable<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs529\">expecta<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f full r<span class=\"_ _1\"></span>ecover<span class=\"_ _1\"></span>y.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs52a\">The outsta<span class=\"_ _0\"></span>nding contr<span class=\"_ _0\"></span>actual am<span class=\"_ _0\"></span>ounts of asse<span class=\"_ _0\"></span>ts writ<span class=\"_ _0\"></span>ten off duri<span class=\"_ _0\"></span>ng the year ende<span class=\"_ _0\"></span>d 31 Decem<span class=\"_ _0\"></span>ber 202<span class=\"ls1 ws1\">5 </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs52b\">amounted to \u20ac<span class=\"ls6 ws8\">386,000</span><span class=\"ls1\"> <span class=\"ls6 ws8\">(202</span>4<span class=\"ls7a ws12c\">: <span class=\"ls6 ws8\">\u20ac2,621,<span class=\"_ _1\"></span>000<span class=\"lsd ws44\">).</span></span></span> </span></div>2.3.12 Collat<span class=\"_ _1\"></span>eral<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup employs a r<span class=\"_ _0\"></span>ange of<span class=\"_ _0\"></span> polici<span class=\"_ _0\"></span>es and prac<span class=\"_ _0\"></span>tices to<span class=\"_ _0\"></span> mitig<span class=\"_ _0\"></span>ate cre<span class=\"_ _0\"></span>dit risk. T<span class=\"_ _0\"></span>he amount and <span class=\"_ _0\"></span>type of<span class=\"_ _11\"></span> collate<span class=\"_ _0\"></span>ral re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d depends on an as<span class=\"_ _0\"></span>sessme<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk of<span class=\"_ _0\"></span> the counte<span class=\"_ _0\"></span>rparty.<span class=\"_ _0\"></span> The<span class=\"_ _0\"></span> Bank\u2019s Bo<span class=\"_ _0\"></span>ard establis<span class=\"_ _1\"></span>hed a policy<span class=\"_ _1\"></span> regarding the accep<span class=\"_ _1\"></span>tability of ty<span class=\"_ _1\"></span><span class=\"ls7 ws1\">pes of collate<span class=\"_ _0\"></span>ral and valuation parame<span class=\"_ _0\"></span>ters.<span class=\"ls1\"> </span></span>Longer<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ws83\">term fin<span class=\"_ _1\"></span>anc<span class=\"_ _1\"></span>e and l<span class=\"_ _1\"></span>endin<span class=\"_ _1\"></span>g to corp<span class=\"_ _1\"></span>orat<span class=\"_ _1\"></span>e and co<span class=\"_ _1\"></span>mmercial en<span class=\"_ _1\"></span>titi<span class=\"_ _1\"></span>es are gen<span class=\"_ _1\"></span>erally<span class=\"_ _1\"></span> secur<span class=\"_ _1\"></span>ed; revo<span class=\"_ _1\"></span>lving<span class=\"_ _1\"></span> </span>individ<span class=\"_ _1\"></span>ual credit facilities<span class=\"_ _1\"></span> are generally<span class=\"_ _1\"></span> unsecured.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The main types of<span class=\"_ _0\"></span> collateral<span class=\"_ _0\"></span> obtained are as follows:<span class=\"ls1\"> </span>\u2022 for corporat<span class=\"_ _1\"></span>e and commercial<span class=\"_ _1\"></span> lending,<span class=\"_ _1\"></span> charges over real es<span class=\"_ _1\"></span>tate properties<span class=\"_ _1\"></span>, cash or s<span class=\"_ _1\"></span>ecurities; and<span class=\"ls1 ws1\"> </span>\u2022 for per<span class=\"_ _0\"></span>sonal le<span class=\"_ _0\"></span>nding (includi<span class=\"_ _0\"></span>ng home loans and consum<span class=\"_ _0\"></span>er cr<span class=\"_ _0\"></span>edit), m<span class=\"_ _0\"></span>ortgages ove<span class=\"_ _0\"></span>r resi<span class=\"_ _0\"></span>dential prope<span class=\"_ _0\"></span>rties, cash or s<span class=\"_ _1\"></span>ecurities.<span class=\"ls1 ws1\"> </span>Collate<span class=\"_ _0\"></span>ral he<span class=\"_ _0\"></span>ld as secur<span class=\"_ _0\"></span>ity for<span class=\"_ _0\"></span> financi<span class=\"_ _0\"></span>al assets othe<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>an loans and<span class=\"_ _0\"></span> adva<span class=\"_ _0\"></span>nces depe<span class=\"_ _0\"></span>nds on t<span class=\"_ _0\"></span>he natur<span class=\"_ _0\"></span>e of the<span class=\"_ _11\"></span> instrume<span class=\"_ _0\"></span>nt. Debt<span class=\"_ _0\"></span> securi<span class=\"_ _0\"></span>ties, tre<span class=\"_ _0\"></span>asury and ot<span class=\"_ _0\"></span>her e<span class=\"_ _0\"></span>ligibl<span class=\"_ _0\"></span>e bill<span class=\"_ _0\"></span>s are gene<span class=\"_ _0\"></span>rally unse<span class=\"_ _0\"></span>cured.<span class=\"ls1 ws1\"> </span>Management assesses the<span class=\"_ _0\"></span> marke<span class=\"_ _0\"></span>t value of coll<span class=\"_ _0\"></span>ateral as part <span class=\"_ _0\"></span>of the l<span class=\"_ _0\"></span>oan origination proc<span class=\"_ _0\"></span>ess. Thi<span class=\"_ _0\"></span>s assessment is reviewed p<span class=\"_ _1\"></span>eriodically th<span class=\"_ _1\"></span>rough<span class=\"_ _1\"></span> ongoing credit<span class=\"_ _1\"></span> file revie<span class=\"_ _1\"></span>ws. The Grou<span class=\"_ _1\"></span>p requests<span class=\"_ _1\"></span> addition<span class=\"_ _1\"></span>al collateral in accordanc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the unde<span class=\"_ _0\"></span>rlying agre<span class=\"_ _0\"></span>ement w<span class=\"_ _0\"></span>hen nece<span class=\"_ _0\"></span>ssary.<span class=\"ls1 ws1\"> </span>The Group's po<span class=\"_ _1\"></span>licies regardi<span class=\"_ _1\"></span>ng obtain<span class=\"_ _1\"></span>ing collateral have no<span class=\"_ _1\"></span>t significant<span class=\"_ _1\"></span>ly changed during th<span class=\"_ _1\"></span>e reporting period and t<span class=\"_ _0\"></span>here has be<span class=\"_ _0\"></span>en no sig<span class=\"_ _0\"></span>nific<span class=\"_ _0\"></span>ant change<span class=\"_ _0\"></span> in the overa<span class=\"_ _0\"></span>ll qualit<span class=\"_ _0\"></span>y of the c<span class=\"_ _0\"></span>ollate<span class=\"_ _0\"></span>ral held by the<span class=\"_ _0\"></span> Group<span class=\"_ _0\"></span> since the<span class=\"_ _0\"></span> prior pe<span class=\"_ _0\"></span>riod.<span class=\"ls1 ws1\"> </span>A portion<span class=\"_ _1\"></span> of the Group\u2019s<span class=\"_ _1\"></span> financial as<span class=\"_ _1\"></span>sets has<span class=\"_ _1\"></span> sufficiently low \u2018<span class=\"_ _1\"></span>loan<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-</span>value\u2019 (\u2018L<span class=\"_ _1\"></span>TV\u2019) ratios, which<span class=\"_ _1\"></span> result in n<span class=\"_ _1\"></span>il loss al<span class=\"_ _1\"></span>lowance being recogni<span class=\"_ _1\"></span>sed in a<span class=\"_ _1\"></span>ccordance with th<span class=\"_ _1\"></span>e Group\u2019s E<span class=\"_ _1\"></span>xpected Credit Los<span class=\"_ _1\"></span>s model. As at 31<span class=\"_ _1\"></span> Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"ls8 wsa\">, the gross carryi<span class=\"_ _0\"></span>ng amount of<span class=\"_ _0\"></span> such fi<span class=\"_ _0\"></span>nancial<span class=\"_ _0\"></span> assets i<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> <span class=\"ls6 ws8\">\u20ac594,667,000</span> <span class=\"ls6 ws8\">(202</span>4<span class=\"_ _1\"></span>: \u20ac<span class=\"ls6 ws8\">573,906,0<span class=\"_ _1\"></span>00<span class=\"lsd ws44\">).</span></span> </span></span></span>The ext<span class=\"_ _1\"></span>endib<span class=\"_ _1\"></span>le valu<span class=\"_ _1\"></span>e of t<span class=\"_ _1\"></span>he c<span class=\"_ _1\"></span>ollat<span class=\"_ _1\"></span>eral is<span class=\"_ _1\"></span> the lo<span class=\"_ _1\"></span>wer o<span class=\"_ _1\"></span>f the fa<span class=\"_ _1\"></span>ir v<span class=\"_ _1\"></span>alue of a<span class=\"_ _1\"></span> pled<span class=\"_ _1\"></span>ged as<span class=\"_ _1\"></span>set <span class=\"_ _1\"></span>for len<span class=\"_ _1\"></span>ding<span class=\"_ _1\"></span> purp<span class=\"_ _1\"></span>oses and the gro<span class=\"_ _0\"></span>ss carrying<span class=\"_ _0\"></span> amoun<span class=\"_ _0\"></span>t of the<span class=\"_ _0\"></span> secure<span class=\"_ _0\"></span>d loans.<span class=\"ls1 ws1\"> </span>The Group clos<span class=\"_ _1\"></span>ely monitors <span class=\"_ _1\"></span>collateral h<span class=\"_ _1\"></span>eld for finan<span class=\"_ _1\"></span>cial assets<span class=\"_ _1\"></span> considered t<span class=\"_ _1\"></span>o be credit<span class=\"ls1 ws1\">-</span>impaired, as<span class=\"_ _1\"></span> it becomes more<span class=\"_ _1\"></span> likely that<span class=\"_ _1\"></span> the Group<span class=\"_ _1\"></span> will take po<span class=\"_ _1\"></span>ssessio<span class=\"_ _1\"></span>n of collatera<span class=\"_ _1\"></span>l to mitiga<span class=\"_ _1\"></span>te poten<span class=\"_ _1\"></span>tial credit loss<span class=\"_ _1\"></span>es. Financial a<span class=\"_ _1\"></span>ssets that a<span class=\"_ _1\"></span>re credit<span class=\"ls1 ws1\">-<span class=\"ls8 ws15\">im<span class=\"_ _0\"></span>paired and<span class=\"ls1 ws1\"> <span class=\"ls6 ws1d\">re<span class=\"_ _0\"></span>lated collatera<span class=\"_ _1\"></span>l held in order t<span class=\"_ _1\"></span>o mitigate potential los<span class=\"_ _1\"></span>ses are </span></span></span></span>sho<span class=\"_ _1\"></span>wn below:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><div class=\"gsb6\"><table class=\"s w21f h1d4\" id=\"_58e6cd08-5de7-4674-894e-ee3731fae602\"><tr><td></td><td></td><td></td><td></td><td class=\"c x38b y210d w10b hc3\"><div class=\"t m0 xbc h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x38b y210e w10c h11d\"><div class=\"t m0 xcd h29 y139d ff3 fs8 fc0 sc0 ls6a ws10c\">Gross </div></td><td class=\"c x38c y210e w10c h11d\"><div class=\"t m0 x11 h29 y139d ff3 fs8 fc0 sc0 ls1 ws1\">Impairment </div></td><td class=\"c x381 y210e w10c h11d\"><div class=\"t m0 x35 h29 y139d ff3 fs8 fc0 sc0 ls70 ws10a\">Carrying </div></td><td class=\"c x38d y210e wf3 h11d\"><div class=\"t m0 x84 h29 y139d ff3 fs8 fc0 sc0 ls27 ws97\">Exten<span class=\"_ _1\"></span>dible valu<span class=\"_ _1\"></span>e <span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x38b y210e w10c h11d\"><div class=\"t m0 xcb h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">exposure<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x38c y210e w10c h11d\"><div class=\"t m0 x90 h35 y94f ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x381 y210e w10c h11d\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x38d y210e wf3 h11d\"><div class=\"t m0 x10 h29 y94f ff3 fs8 fc0 sc0 ls27 ws97\">of colla<span class=\"_ _1\"></span>tera<span class=\"_ _1\"></span>l held<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y210f w10a hc3\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls27 ws98\">Cre<span class=\"_ _1\"></span>dit<span class=\"ls1 ws1\">-<span class=\"ws9b\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td class=\"c x38b y210f w10c hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x38c y210f w10c hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x381 y210f w10c hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x38d y210f wf3 hc3\"><div class=\"t m0 x37 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y2110 w10a hc3\"><div class=\"t m0 x10 h35 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x38e y2112 w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2113 w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y2114 w10c h97\"><div class=\"t m0 xcd h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">5,088<span class=\"ffa\"> </span></div></td><td class=\"c x38c y2114 w10c h97\"><div class=\"t m0 x6b h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">597<span class=\"ffa\"> </span></div></td><td class=\"c x381 y2114 w10c h97\"><div class=\"t m0 xcd h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">4,491<span class=\"ffa\"> </span></div></td><td class=\"c x38d y2114 wf3 h97\"><div class=\"t m0 x27 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">15,398 </div></td></tr><tr><td class=\"c x270 y2116 w222 h1d6\"><div class=\"t m0 x390 hb3 y2115 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h35 y1dd2 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2117 w223 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x391 y2118 w224 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">33,892<span class=\"_ _bc\"> </span></div></td><td class=\"c x392 y2118 w225 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">5,094<span class=\"_ _bc\"> </span></div></td><td class=\"c x393 y2118 w224 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">28,798<span class=\"_ _bc\"> </span></div></td><td class=\"c x394 y2119 w226 h1ac\"><div class=\"t m0 x26e h29 y2016 ff3 fs8 fc0 sc0 ls1 ws1\">154,297<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x38e y211a w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y211b w223 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y211c w10c h97\"><div class=\"t m0 xcd h35 y8d0 ff3 fs8 fc0 sc0 ls4 ws0\">1,4<span class=\"ls1 ws1\">98</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x38c y211c w10c h97\"><div class=\"t m0 x8f h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">85<span class=\"ffa\"> </span></div></td><td class=\"c x381 y211c w10c h97\"><div class=\"t m0 xcd h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">1,413<span class=\"ffa\"> </span></div></td><td class=\"c x38d y211c wf3 h97\"><div class=\"t m0 x37 h29 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">3,466 </div></td></tr><tr><td class=\"c x38e y211d w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y211e w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y211f w10c h97\"><div class=\"t m0 xce h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffa\"> </span></div></td><td class=\"c x38c y211f w10c h97\"><div class=\"t m0 xf7 h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x381 y211f w10c h97\"><div class=\"t m0 xce h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffa\"> </span></div></td><td class=\"c x38d y211f wf3 h97\"><div class=\"t m0 x108 h29 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">6 </div></td></tr><tr><td class=\"c x2b9 y2120 w10a hc3\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls27 ws97\">Total cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-<span class=\"ws9b\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ws9b\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td></td><td class=\"c x38b y2120 w10c hc3\"><div class=\"t m0 x4f h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">40,479<span class=\"ffa\"> </span></div></td><td class=\"c x38c y2120 w10c hc3\"><div class=\"t m0 xcd h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,776<span class=\"ffa\"> </span></div></td><td class=\"c x381 y2120 w10c hc3\"><div class=\"t m0 x4f h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">34,703<span class=\"ffa\"> </span></div></td><td class=\"c x38d y2120 wf3 hc3\"><div class=\"t m0 xcd h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">173,167 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w227 h1d7\" id=\"_7de72f14-dffc-4d6c-afd0-48673d683b7d\"><tr><td></td><td></td><td></td><td></td><td class=\"c x38b y2121 w10b hc3\"><div class=\"t m0 xbc h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 2024<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x38b y2122 w10c h11d\"><div class=\"t m0 xcd h25 y139d ff1 fs8 fc0 sc0 ls4 ws0\">Gross </div></td><td class=\"c x38c y2122 w10c h11d\"><div class=\"t m0 xf3 h25 y139d ff1 fs8 fc0 sc0 ls6a ws10c\">Impairment </div></td><td class=\"c x381 y2122 w10c h11d\"><div class=\"t m0 xe5 h25 y139d ff1 fs8 fc0 sc0 ls2a ws10d\">Carrying </div></td><td class=\"c x38d y2122 wf3 h11d\"><div class=\"t m0 x88 h25 y139d ff1 fs8 fc0 sc0 ls29 ws98\">Extendi<span class=\"_ _1\"></span>ble value <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x38b y2122 w10c h11d\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">exposure<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x38c y2122 w10c h11d\"><div class=\"t m0 xd4 h25 y94f ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x381 y2122 w10c h11d\"><div class=\"t m0 xd7 h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">amount<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x38d y2122 wf3 h11d\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">of co<span class=\"_ _1\"></span>llateral held<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y2123 w10a hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">Credit<span class=\"ls1 ws1\">-</span><span class=\"ws98\">im<span class=\"_ _1\"></span>paired a<span class=\"_ _1\"></span>ssets</span><span class=\"ws98\"><span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td></td><td class=\"c x38b y2123 w10c hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x38c y2123 w10c hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x381 y2123 w10c hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x38d y2123 wf3 hc3\"><div class=\"t m0 x37 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y2124 w10a hc3\"><div class=\"t m0 x10 h35 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x38e y2125 w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2126 w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y2127 w10c h97\"><div class=\"t m0 xcd h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">5,721<span class=\"ffb\"> </span></div></td><td class=\"c x38c y2127 w10c h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">819<span class=\"ffb\"> </span></div></td><td class=\"c x381 y2127 w10c h97\"><div class=\"t m0 xcd h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">4,902<span class=\"ffb\"> </span></div></td><td class=\"c x38d y2127 wf3 h97\"><div class=\"t m0 x27 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">15,997 </div></td></tr><tr><td class=\"c x270 y2128 w222 h1d6\"><div class=\"t m0 x390 hb3 y2115 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h35 y1dd2 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2129 w223 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x391 y212a w228 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">37,988<span class=\"_ _bc\"> </span></div></td><td class=\"c x392 y212a w214 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">5,497<span class=\"_ _bc\"> </span></div></td><td class=\"c x393 y212a w228 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">32,491<span class=\"_ _bc\"> </span></div></td><td class=\"c x394 y212a w229 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">165,445<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x38e y212c w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y212d w223 h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y212e w10c h94\"><div class=\"t m0 xcd h25 y8d0 ff1 fs8 fc0 sc0 ls1 ws1\">1,467<span class=\"ffb\"> </span></div></td><td class=\"c x38c y212e w10c h94\"><div class=\"t m0 x6b h25 y8d0 ff1 fs8 fc0 sc0 ls1 ws1\">178<span class=\"ffb\"> </span></div></td><td class=\"c x381 y212e w10c h94\"><div class=\"t m0 xcd h25 y8d0 ff1 fs8 fc0 sc0 ls1 ws1\">1,289<span class=\"ffb\"> </span></div></td><td class=\"c x38d y212e wf3 h94\"><div class=\"t m0 x37 h25 y8d0 ff1 fs8 fc0 sc0 ls1 ws1\">3,029 </div></td></tr><tr><td class=\"c x2b9 y212f w10a hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Total c<span class=\"_ _1\"></span>redit<span class=\"ls1 ws1\">-<span class=\"ls6a\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td></td><td class=\"c x38b y212f w10c hc3\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">45,176<span class=\"ffb\"> </span></div></td><td class=\"c x38c y212f w10c hc3\"><div class=\"t m0 xcd h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">6,494<span class=\"ffb\"> </span></div></td><td class=\"c x381 y212f w10c hc3\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">38,682<span class=\"ffb\"> </span></div></td><td class=\"c x38d y212f wf3 hc3\"><div class=\"t m0 xcd h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">183,471 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs54d\">Financial a<span class=\"_ _1\"></span>ssets th<span class=\"_ _1\"></span>at are credit<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">impair<span class=\"_ _0\"></span>ed, but w<span class=\"_ _0\"></span>ith no coll<span class=\"_ _0\"></span>ateral<span class=\"_ _0\"></span> held in t<span class=\"_ _0\"></span>his respe<span class=\"_ _0\"></span>ct, are<span class=\"_ _0\"></span> shown be<span class=\"_ _0\"></span>low:<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"gsb6\"><table class=\"s w22a h1da\" id=\"_6a2c44c2-fa7a-4ad8-8ffb-37159a788977\"><tr><td></td><td></td><td></td><td class=\"c x395 y2130 w10e hc3\"><div class=\"t m0 x53 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x395 y2131 w10f h11e\"><div class=\"t m0 xcd h29 y139d ff3 fs8 fc0 sc0 ls6a ws10c\">Gross </div></td><td class=\"c x396 y2131 w10c h11e\"><div class=\"t m0 x11 h29 y139d ff3 fs8 fc0 sc0 ls1 ws1\">Impairment </div></td><td class=\"c x397 y2131 w110 h11e\"><div class=\"t m0 x113 h29 y139d ff3 fs8 fc0 sc0 ls70 ws10a\">Carrying </div></td></tr><tr><td></td><td></td><td class=\"c x395 y2131 w10f h11e\"><div class=\"t m0 xcb h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">exposure<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x396 y2131 w10c h11e\"><div class=\"t m0 x90 h35 y94f ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x397 y2131 w110 h11e\"><div class=\"t m0 x1d h29 y94f ff3 fs8 fc0 sc0 ls28 ws99\">amount<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x395 y2132 w10f hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x396 y2132 w10c hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x397 y2132 w110 hc3\"><div class=\"t m0 x4f h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y2133 w10d hc3\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls27 ws98\">Cre<span class=\"_ _1\"></span>dit<span class=\"ls1 ws1\">-<span class=\"ws9b\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2134 w10d hc3\"><div class=\"t m0 x10 h98 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x38e y2135 w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2136 w221 h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2137 w10f h97\"><div class=\"t m0 x6b h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">563<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2137 w10c h97\"><div class=\"t m0 x8f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">43<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2137 w110 h97\"><div class=\"t m0 x125 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">520 </div></td></tr><tr><td class=\"c x270 y213a w222 h1db\"><div class=\"t m0 x390 hb3 y2138 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h98 y2139 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y213b w22b h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">Credit cards<span class=\"_ _bc\"> </span></div></td><td class=\"c x398 y213c w22c h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">4<span class=\"_ _bc\"> </span></div></td><td class=\"c x399 y213c w22c h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"_ _bc\"> </span></div></td><td class=\"c x39a y213d w22c h1d9\"><div class=\"t m0 x26e h29 y2016 ff3 fs8 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x38e y213e w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y213f w221 h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2140 w10f h95\"><div class=\"t m0 x6b h35 y8e7 ff3 fs8 fc0 sc0 ls1 ws1\">101<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2140 w10c h95\"><div class=\"t m0 x8f h35 y8e7 ff3 fs8 fc0 sc0 ls1 ws1\">80<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2140 w110 h95\"><div class=\"t m0 x6b h29 y8e7 ff3 fs8 fc0 sc0 ls1 ws1\">21 </div></td></tr><tr><td class=\"c x38e y2141 w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2142 w223 h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2143 w10f h94\"><div class=\"t m0 xcd h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">4,756<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2143 w10c h94\"><div class=\"t m0 xce h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2143 w110 h94\"><div class=\"t m0 x4f h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">4,751 </div></td></tr><tr><td class=\"c x38e y2144 w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2145 w22b h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">Credit cards<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2146 w10f h97\"><div class=\"t m0 x8f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">19<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2146 w10c h97\"><div class=\"t m0 x8f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">19<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2146 w110 h97\"><div class=\"t m0 xea h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2147 w10d hc3\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls27 ws97\">Total cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-<span class=\"ws9b\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ws9b\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td></td><td class=\"c x395 y2147 w10f hc3\"><div class=\"t m0 xcd h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,443<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2147 w10c hc3\"><div class=\"t m0 x6b h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">148<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2147 w110 hc3\"><div class=\"t m0 x4f h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,295 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w22a h1dc\" id=\"_c5d36777-e1d6-4308-a624-d985bf109341\"><tr><td></td><td></td><td></td><td class=\"c x395 y2148 w10e hc3\"><div class=\"t m0 x152 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 2024<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x395 y2149 w10f h11d\"><div class=\"t m0 xcd h25 y139d ff1 fs8 fc0 sc0 ls4 ws0\">Gross </div></td><td class=\"c x396 y2149 w10c h11d\"><div class=\"t m0 xf3 h25 y139d ff1 fs8 fc0 sc0 ls6a ws10c\">Impairment </div></td><td class=\"c x397 y2149 w110 h11d\"><div class=\"t m0 xcb h25 y139d ff1 fs8 fc0 sc0 ls2a ws10d\">Carrying </div></td></tr><tr><td></td><td></td><td class=\"c x395 y2149 w10f h11d\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">exposure<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x396 y2149 w10c h11d\"><div class=\"t m0 xd4 h25 y94f ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x397 y2149 w110 h11d\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">amount<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x395 y214a w10f hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x396 y214a w10c hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x397 y214a w110 hc3\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y214b w10d hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">Credit<span class=\"ls1 ws1\">-</span><span class=\"ws98\">im<span class=\"_ _1\"></span>paired a<span class=\"_ _1\"></span>ssets</span><span class=\"ws98\"><span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y214c w10d hc3\"><div class=\"t m0 x10 h98 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x38e y214d w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y214e w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y214f w10f h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">428<span class=\"ffb\"> </span></div></td><td class=\"c x396 y214f w10c h97\"><div class=\"t m0 x8f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">46<span class=\"ffb\"> </span></div></td><td class=\"c x397 y214f w110 h97\"><div class=\"t m0 x125 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">382 </div></td></tr><tr><td class=\"c x270 y2151 w222 h1dd\"><div class=\"t m0 x390 hb3 y2150 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h98 y2139 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2152 w22b h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">Credit cards<span class=\"_ _bc\"> </span></div></td><td class=\"c x398 y2153 w22c h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td><td class=\"c x39b y2153 w206 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x39a y2153 w22c h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x38e y2154 w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2155 w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2156 w10f h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">110<span class=\"ffb\"> </span></div></td><td class=\"c x396 y2156 w10c h97\"><div class=\"t m0 x8f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">86<span class=\"ffb\"> </span></div></td><td class=\"c x397 y2156 w110 h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">24 </div></td></tr><tr><td class=\"c x38e y2157 w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2158 w223 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2159 w10f h97\"><div class=\"t m0 xcd h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">4,957<span class=\"ffb\"> </span></div></td><td class=\"c x396 y2159 w10c h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">355<span class=\"ffb\"> </span></div></td><td class=\"c x397 y2159 w110 h97\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">4,602 </div></td></tr><tr><td class=\"c x38e y215a w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y215b w22b h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">Credit cards<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y215c w10f h94\"><div class=\"t m0 x8f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">13<span class=\"ffb\"> </span></div></td><td class=\"c x396 y215c w10c h94\"><div class=\"t m0 x8f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">13<span class=\"ffb\"> </span></div></td><td class=\"c x397 y215c w110 h94\"><div class=\"t m0 xea h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y215d w10d hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Total c<span class=\"_ _1\"></span>redit<span class=\"ls1 ws1\">-<span class=\"ls6a\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td></td><td class=\"c x395 y215d w10f hc3\"><div class=\"t m0 xcd h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,511<span class=\"ffb\"> </span></div></td><td class=\"c x396 y215d w10c hc3\"><div class=\"t m0 x6b h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">500<span class=\"ffb\"> </span></div></td><td class=\"c x397 y215d w110 hc3\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,011 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs551\">It is the<span class=\"_ _0\"></span> Bank'<span class=\"_ _0\"></span>s poli<span class=\"_ _0\"></span>cy to di<span class=\"_ _11\"></span>spose of proper<span class=\"_ _0\"></span>ties ac<span class=\"_ _0\"></span>quired<span class=\"_ _0\"></span> thro<span class=\"_ _0\"></span>ugh judici<span class=\"_ _0\"></span>al actio<span class=\"_ _0\"></span>n in<span class=\"_ _0\"></span> an or<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>ly fashion. T<span class=\"_ _0\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws86 gs552\">procee<span class=\"_ _0\"></span>ds are use<span class=\"_ _0\"></span>d to reduc<span class=\"_ _0\"></span>e or re<span class=\"_ _0\"></span>pay the outsta<span class=\"_ _0\"></span>nding <span class=\"_ _0\"></span>clai<span class=\"_ _0\"></span>m. In g<span class=\"_ _0\"></span>enera<span class=\"_ _0\"></span>l, the B<span class=\"_ _0\"></span>ank does not occup<span class=\"_ _0\"></span>y </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs553\">properti<span class=\"_ _0\"></span>es acquir<span class=\"_ _0\"></span>ed throug<span class=\"_ _0\"></span>h judic<span class=\"_ _0\"></span>ial act<span class=\"_ _0\"></span>ion for bu<span class=\"lse ws12e\">si<span class=\"_ _0\"></span>ness use<span class=\"_ _11\"></span>.<span class=\"ls1 ws1\"> </span></span></div><div class=\"gs4f7\"><table class=\"s w22d h1de\" id=\"_7160de0e-e46f-4d7c-bdab-edbd6b439589\"><tr><td class=\"t m0 x39d h3 y215e ff1 fs1 fc0 sc0 ls7 ws1\">The foll<span class=\"_ _0\"></span>owing tables show the distribution of LT<span class=\"_ _0\"></span>V ratios for t<span class=\"_ _0\"></span>he Bank\u2019s loans and ad<span class=\"_ _0\"></span>vances to custome<span class=\"_ _0\"></span>rs.<span class=\"ls1\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y215f w111 h122\"><div class=\"t m0 x10 h35 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x39f y2160 wa5 h123\"><div class=\"t m0 x6d h29 y1089 ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">forborne</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"><span class=\"_ _1\"></span> </span></span></div></td><td class=\"c x3a0 y2160 w112 h123\"><div class=\"t m0 xe2 h29 y1089 ff3 fs8 fc0 sc0 ls4 ws0\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"c x3a1 y2160 w54 h123\"><div class=\"t m0 x6d h25 y1089 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-</span>fo<span class=\"_ _1\"></span>rborne </div></td><td class=\"c x3a2 y2160 wd5 h123\"><div class=\"t m0 xf3 h25 y1089 ff1 fs8 fc0 sc0 ls29 ws9a\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x39f y2160 wa5 h123\"><div class=\"t m0 xdf h35 y9db ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a0 y2160 w112 h123\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a3 y2160 w113 h123\"><div class=\"t m0 x34 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2160 w54 h123\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a2 y2160 wd5 h123\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a4 y2160 w114 h123\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x39f y2161 wa5 hf0\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2161 w112 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2161 w113 hf0\"><div class=\"t m0 xdb h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2161 w54 hf0\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2161 wd5 hf0\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2161 w114 hf0\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x39f y2162 wa5 hef\"><div class=\"t m0 xb5 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a0 y2162 w112 hef\"><div class=\"t m0 x113 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a3 y2162 w113 hef\"><div class=\"t m0 xf3 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a1 y2162 w54 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a2 y2162 wd5 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a4 y2162 w114 hef\"><div class=\"t m0 xf3 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x39e y2163 w111 hab\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2164 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x39f y2164 wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">37,552<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2164 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2164 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">37,552<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2164 w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">57,785<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2164 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2164 w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">57,785 </div></td></tr><tr><td class=\"c x39e y2165 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2166 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2166 wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">300,867<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2166 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2166 w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">300,867<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2166 w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">265,156<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2166 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2166 w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">265,156 </div></td></tr><tr><td class=\"c x39e y2167 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2167 wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">51,802<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2167 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2167 w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">51,802<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2167 w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">79,859<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2167 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2167 w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">79,859 </div></td></tr><tr><td class=\"c x39e y2168 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2168 wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">11,138<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2168 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2168 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">11,138<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2168 w54 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">6,925<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2168 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2168 w114 hdd\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">6,925 </div></td></tr><tr><td class=\"c x39e y2169 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2169 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,926<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2169 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2169 w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,926<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2169 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">9,561<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2169 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2169 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">9,561 </div></td></tr><tr><td></td><td class=\"c x39f y216a wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">373,733<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y216a w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y216a w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">373,733<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y216a w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">361,501<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y216a wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y216a w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">361,501 </div></td></tr><tr><td class=\"c x39e y216b w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y216c w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y216c wa5 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">9,278<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y216c w112 hdb\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y216c w113 hdb\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">9,278<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y216c w54 hdb\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">2,924<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y216c wd5 hdb\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y216c w114 hdb\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">2,924 </div></td></tr><tr><td class=\"c x39e y216d w111 hdd\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Total performing <span class=\"ws1\">\u2013 </span>Stage 1<span class=\"ffa ws1\"> </span></div></td><td class=\"c x39f y216d wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">420,563<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y216d w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y216d w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">420,563<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y216d w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">422,210<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y216d wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y216d w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">422,210 </div></td></tr><tr><td class=\"c x39e y216e w111 hdd\"><div class=\"t m0 x10 h35 y9db ffd fs8 fc0 sc0 ls28 ws99\">Underper<span class=\"_ _1\"></span>forming <span class=\"ff3 ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ff3 ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y216f w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x39f y216f wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">11,482<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y216f w112 hab\"><div class=\"t m0 x4f h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y216f w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">11,494<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y216f w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">2,531<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y216f wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y216f w114 hab\"><div class=\"t m0 x11 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">2,531 </div></td></tr><tr><td class=\"c x39e y2170 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2171 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2171 wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">97,490<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2171 w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,084<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2171 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">100,574<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2171 w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">81,210<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2171 wd5 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,965<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2171 w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">86,175 </div></td></tr><tr><td class=\"c x39e y2172 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2172 wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">19,226<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2172 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2172 w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">19,226<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2172 w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">12,065<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2172 wd5 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">6,876<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2172 w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">18,941 </div></td></tr><tr><td class=\"c x39e y2173 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2173 wa5 hdd\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">2,395<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2173 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2173 w113 hdd\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">2,395<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2173 w54 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">4,968<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2173 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2173 w114 hdd\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">4,968 </div></td></tr><tr><td class=\"c x39e y2174 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2174 wa5 hab\"><div class=\"t m0 x37 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2174 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2174 w113 hab\"><div class=\"t m0 xd6 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2174 w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">417<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2174 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2174 w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">417 </div></td></tr><tr><td></td><td class=\"c x39f y2175 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">119,111<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2175 w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,084<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2175 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">122,195<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2175 w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">98,660<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2175 wd5 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">11,841<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2175 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">110,501 </div></td></tr><tr><td class=\"c x39e y2176 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2177 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2177 wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,847<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2177 w112 hbc\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">13,200<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2177 w113 hbc\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">15,047<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2177 w54 hbc\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">15,089<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2177 wd5 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">306<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2177 w114 hbc\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">15,395 </div></td></tr><tr><td class=\"c x39e y2178 w111 hab\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Total underpe<span class=\"_ _1\"></span>rforming<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x39f y2178 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">132,440<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2178 w112 hab\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">16,296<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2178 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">148,736<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2178 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">116,280<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2178 wd5 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">12,147<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2178 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">128,427 </div></td></tr><tr><td class=\"c x39e y2179 w111 hbc\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">perfor<span class=\"_ _1\"></span>ming </span>\u2013 <span class=\"ws9b\">Stage 3</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y217a w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x39f y217a wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">563<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217a w112 hab\"><div class=\"t m0 x10b h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217a w113 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">566<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217a w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">427<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217a wd5 hab\"><div class=\"t m0 x46 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217a w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">431 </div></td></tr><tr><td class=\"c x39e y217b w111 hbc\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y217c w111 hf1\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y217c wa5 hf1\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">843<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217c w112 hf1\"><div class=\"t m0 xdb h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">28,173<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217c w113 hf1\"><div class=\"t m0 x7e h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">29,016<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217c w54 hf1\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">1,161<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217c wd5 hf1\"><div class=\"t m0 x35 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">27,450<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217c w114 hf1\"><div class=\"t m0 x7e h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">28,611 </div></td></tr><tr><td class=\"c x39e y217d w111 hbc\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y217d wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,023<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217d w112 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">4,703<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217d w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">5,726<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217d w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,151<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217d wd5 hbc\"><div class=\"t m0 xd6 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">5,769<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217d w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">9,920 </div></td></tr><tr><td class=\"c x39e y217e w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y217e wa5 hab\"><div class=\"t m0 x125 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">10<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217e w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217e w113 hab\"><div class=\"t m0 x35 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">10<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217e w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">956<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217e wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217e w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">956 </div></td></tr><tr><td class=\"c x39e y217f w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y217f wa5 hdd\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217f w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217f w113 hdd\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217f w54 hdd\"><div class=\"t m0 x125 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">31<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217f wd5 hdd\"><div class=\"t m0 x10b h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">233<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217f w114 hdd\"><div class=\"t m0 x33 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">264 </div></td></tr><tr><td></td><td class=\"c x39f y2180 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">2,911<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2180 w112 hab\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">32,876<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2180 w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">35,787<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2180 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">6,299<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2180 wd5 hab\"><div class=\"t m0 x35 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">33,452<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2180 w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">39,751 </div></td></tr><tr><td class=\"c x39e y2181 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2182 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2182 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,194<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2182 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2182 w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,194<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2182 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">3,958<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2182 wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2182 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">3,958 </div></td></tr><tr><td class=\"c x39e y2183 w111 hdd\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Total non<span class=\"ws1\">-<span class=\"ls28 ws99\">performing </span>\u2013 </span>Stage 3<span class=\"ffa ws1\"> </span></div></td><td class=\"c x39f y2183 wa5 hdd\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">6,668<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2183 w112 hdd\"><div class=\"t m0 xdb h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">32,879<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2183 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">39,547<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2183 w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">10,684<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2183 wd5 hdd\"><div class=\"t m0 x35 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">33,456<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2183 w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">44,140 </div></td></tr><tr><td class=\"c x39e y2184 w111 hbc\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">At 31 December<span class=\"ffa ws1\"> </span></div></td><td class=\"c x39f y2184 wa5 hbc\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">559,671<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2184 w112 hbc\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">49,175<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2184 w113 hbc\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">608,846<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2184 w54 hbc\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">549,174<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2184 wd5 hbc\"><div class=\"t m0 x35 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">45,603<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2184 w114 hbc\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">594,777 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w22e h1df\" id=\"_e4baaab7-bafe-4bda-9579-3efabef28c31\"><tr><td class=\"c x308 y2185 w111 h123\"><div class=\"t m0 x10 h35 y9db ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x3a5 y2186 wa5 h122\"><div class=\"t m0 x6d h29 y1089 ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">forborne</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"><span class=\"_ _1\"></span> </span></span></div></td><td class=\"c x3a6 y2186 w112 h122\"><div class=\"t m0 xe2 h29 y1089 ff3 fs8 fc0 sc0 ls4 ws0\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"c x3a7 y2186 w54 h122\"><div class=\"t m0 x6d h25 y1089 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-</span>fo<span class=\"_ _1\"></span>rborne </div></td><td class=\"c x3a8 y2186 wd5 h122\"><div class=\"t m0 xf3 h25 y1089 ff1 fs8 fc0 sc0 ls29 ws9a\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x3a5 y2186 wa5 h122\"><div class=\"t m0 xdf h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a6 y2186 w112 h122\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a9 y2186 w113 h122\"><div class=\"t m0 x34 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2186 w54 h122\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a8 y2186 wd5 h122\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3aa y2186 w114 h122\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3a5 y2187 wa5 hf1\"><div class=\"t m0 xd6 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2187 w112 hf1\"><div class=\"t m0 x1d h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2187 w113 hf1\"><div class=\"t m0 xdb h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2187 w54 hf1\"><div class=\"t m0 xd6 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2187 wd5 hf1\"><div class=\"t m0 xd6 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2187 w114 hf1\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x3a5 y2188 wa5 hf2\"><div class=\"t m0 xb5 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a6 y2188 w112 hf2\"><div class=\"t m0 x113 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a9 y2188 w113 hf2\"><div class=\"t m0 xf3 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a7 y2188 w54 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a8 y2188 wd5 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3aa y2188 w114 hf2\"><div class=\"t m0 xf3 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x308 y2189 w111 hdb\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y218a w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y218a wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,272<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218a w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218a w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,272<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218a w54 hbc\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">14,408<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218a wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218a w114 hbc\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">14,408 </div></td></tr><tr><td class=\"c x308 y218b w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y218c w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y218c wa5 hbc\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">94,612<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218c w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218c w113 hbc\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">94,612<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218c w54 hbc\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">77,548<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218c wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218c w114 hbc\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">77,548 </div></td></tr><tr><td class=\"c x308 y218d w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y218d wa5 hdb\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">98,787<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218d w112 hdb\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218d w113 hdb\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">98,787<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218d w54 hdb\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">72,340<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218d wd5 hdb\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218d w114 hdb\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">72,340 </div></td></tr><tr><td class=\"c x308 y218e w111 hbc\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y218e wa5 hbc\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">110,110<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218e w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218e w113 hbc\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">110,110<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218e w54 hbc\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">108,026<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218e wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218e w114 hbc\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">108,026 </div></td></tr><tr><td class=\"c x308 y218f w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y218f wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,878<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218f w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218f w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,878<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218f w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">3,281<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218f wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218f w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">3,281 </div></td></tr><tr><td></td><td class=\"c x3a5 y2190 wa5 hbc\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">307,387<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2190 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2190 w113 hbc\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">307,387<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2190 w54 hbc\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">261,195<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2190 wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2190 w114 hbc\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">261,195 </div></td></tr><tr><td class=\"c x308 y2191 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y2192 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y2192 wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">813<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2192 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2192 w113 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">813<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2192 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,451<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2192 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2192 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,451 </div></td></tr><tr><td class=\"c x308 y2193 w111 hab\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Total performing <span class=\"ws1\">\u2013 </span>Stage 1<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y2193 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">317,472<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2193 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2193 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">317,472<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2193 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">277,054<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2193 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2193 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">277,054 </div></td></tr><tr><td class=\"c x308 y2194 w111 hab\"><div class=\"t m0 x10 h35 y9db ffd fs8 fc0 sc0 ls28 ws99\">Underper<span class=\"_ _1\"></span>forming <span class=\"ff3 ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ff3 ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y2195 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y2195 wa5 hbc\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">210<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2195 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2195 w113 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">210<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2195 w54 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">122<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2195 wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2195 w114 hbc\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">122 </div></td></tr><tr><td class=\"c x308 y2196 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y2197 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y2197 wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">2,571<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2197 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2197 w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">2,571<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2197 w54 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">641<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2197 wd5 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">988<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2197 w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,629 </div></td></tr><tr><td class=\"c x308 y2198 w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y2198 wa5 hdb\"><div class=\"t m0 x49 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">123<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2198 w112 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2198 w113 hdb\"><div class=\"t m0 x33 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">270<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2198 w54 hdb\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2198 wd5 hdb\"><div class=\"t m0 x49 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">270<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2198 w114 hdb\"><div class=\"t m0 x33 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">270 </div></td></tr><tr><td class=\"c x308 y2199 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y2199 wa5 hbc\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">732<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2199 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2199 w113 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">732<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2199 w54 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">711<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2199 wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2199 w114 hbc\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">711 </div></td></tr><tr><td></td><td class=\"c x3a5 y219a wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,426<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y219a w112 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y219a w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,573<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y219a w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,352<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y219a wd5 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,258<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y219a w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">2,610 </div></td></tr><tr><td class=\"c x308 y219b w111 hbc\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Total underpe<span class=\"_ _1\"></span>rforming<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3a5 y219b wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,636<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y219b w112 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y219b w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,783<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y219b w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,474<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y219b wd5 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,258<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y219b w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">2,732 </div></td></tr><tr><td class=\"c x308 y219c w111 hab\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">perfor<span class=\"_ _1\"></span>ming </span>\u2013 <span class=\"ws9b\">Stage 3</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y219d w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y219d wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">105<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y219d w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">4,772<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y219d w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">4,877<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y219d w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">181<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y219d wd5 hab\"><div class=\"t m0 xd6 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,899<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y219d w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">5,080 </div></td></tr><tr><td class=\"c x308 y219e w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y219f w111 hef\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y219f wa5 hef\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">258<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y219f w112 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">458<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y219f w113 hef\"><div class=\"t m0 x33 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">716<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y219f w54 hef\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">486<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y219f wd5 hef\"><div class=\"t m0 x10b h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">188<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y219f w114 hef\"><div class=\"t m0 x33 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">674 </div></td></tr><tr><td class=\"c x308 y21a0 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21a0 wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">569<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a0 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a0 w113 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">569<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a0 w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">185<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a0 wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a0 w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">185 </div></td></tr><tr><td class=\"c x308 y21a1 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21a1 wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">213<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a1 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a1 w113 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">213<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a1 w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">347<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a1 wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a1 w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">347 </div></td></tr><tr><td></td><td class=\"c x3a5 y21a2 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,040<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a2 w112 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">458<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a2 w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,498<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a2 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,018<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a2 wd5 hab\"><div class=\"t m0 x10b h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">188<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a2 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,206 </div></td></tr><tr><td class=\"c x308 y21a3 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21a4 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21a4 wa5 hab\"><div class=\"t m0 x37 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a4 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a4 w113 hab\"><div class=\"t m0 xd6 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a4 w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">261<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a4 wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a4 w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">261 </div></td></tr><tr><td class=\"c x308 y21a5 w111 hab\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">Total non<span class=\"ws1\">-<span class=\"ls28 ws99\">performing </span>\u2013 </span>Stage 3<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21a5 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,145<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a5 w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">5,230<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a5 w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">6,375<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a5 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,460<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a5 wd5 hab\"><div class=\"t m0 xd6 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">5,087<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a5 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">6,547 </div></td></tr><tr><td class=\"c x308 y21a6 w111 hdd\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">At 31 December<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21a6 wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">322,253<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a6 w112 hdd\"><div class=\"t m0 x33 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">5,377<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a6 w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">327,630<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a6 w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">279,988<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a6 wd5 hdd\"><div class=\"t m0 xd6 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">6,345<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a6 w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">286,333 </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w22e h1e0\" id=\"_b89618be-3f10-434c-b023-d246062c30a1\"><tr><td class=\"c x308 y21a7 w111 h128\"><div class=\"t m0 x10 h98 y94f ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x3a5 y21a8 wa5 h123\"><div class=\"t m0 x6d h29 y1439 ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">forborne</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"><span class=\"_ _1\"></span> </span></span></div></td><td class=\"c x3a6 y21a8 w112 h123\"><div class=\"t m0 xe2 h29 y1439 ff3 fs8 fc0 sc0 ls4 ws0\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"c x3a7 y21a8 w54 h123\"><div class=\"t m0 x6d h25 y1439 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-</span>fo<span class=\"_ _1\"></span>rborne </div></td><td class=\"c x3a8 y21a8 wd5 h123\"><div class=\"t m0 xf3 h25 y1439 ff1 fs8 fc0 sc0 ls29 ws9a\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x3a5 y21a8 wa5 h123\"><div class=\"t m0 xdf h35 y9db ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a6 y21a8 w112 h123\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a9 y21a8 w113 h123\"><div class=\"t m0 x34 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a8 w54 h123\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a8 y21a8 wd5 h123\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3aa y21a8 w114 h123\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3a5 y21a9 wa5 hf0\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a9 w112 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a9 w113 hf0\"><div class=\"t m0 xdb h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a9 w54 hf0\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a9 wd5 hf0\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a9 w114 hf0\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x3a5 y21aa wa5 hef\"><div class=\"t m0 xb5 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a6 y21aa w112 hef\"><div class=\"t m0 x113 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a9 y21aa w113 hef\"><div class=\"t m0 xf3 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a7 y21aa w54 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a8 y21aa wd5 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3aa y21aa w114 hef\"><div class=\"t m0 xf3 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x308 y21ab w111 hab\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21ac w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y21ac wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">46,824<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21ac w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21ac w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">46,824<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21ac w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">72,193<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21ac wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21ac w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">72,193 </div></td></tr><tr><td class=\"c x308 y21ad w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21ae w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21ae wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">395,479<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21ae w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21ae w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">395,479<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21ae w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">342,704<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21ae wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21ae w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">342,704 </div></td></tr><tr><td class=\"c x308 y21af w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21af wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">150,589<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21af w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21af w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">150,589<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21af w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">152,199<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21af wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21af w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">152,199 </div></td></tr><tr><td class=\"c x308 y21b0 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21b0 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">121,248<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b0 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b0 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">121,248<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b0 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">114,951<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b0 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b0 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">114,951 </div></td></tr><tr><td class=\"c x308 y21b1 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21b1 wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">13,804<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b1 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b1 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">13,804<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b1 w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">12,842<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b1 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b1 w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">12,842 </div></td></tr><tr><td></td><td class=\"c x3a5 y21b2 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">681,120<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b2 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b2 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">681,120<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b2 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">622,696<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b2 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b2 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">622,696 </div></td></tr><tr><td class=\"c x308 y21b3 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21b4 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21b4 wa5 hbc\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">10,091<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b4 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b4 w113 hbc\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">10,091<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b4 w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,375<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b4 wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b4 w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,375 </div></td></tr><tr><td class=\"c x308 y21b5 w111 hab\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">Total performing <span class=\"ws1\">\u2013 </span>Stage 1<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21b5 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b5 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b5 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b5 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">699,264<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b5 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b5 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">699,264 </div></td></tr><tr><td class=\"c x308 y21b6 w111 hab\"><div class=\"t m0 x10 h35 y94f ffd fs8 fc0 sc0 ls28 ws99\">Underper<span class=\"_ _1\"></span>forming <span class=\"ff3 ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ff3 ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21b7 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y21b7 wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">11,692<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b7 w112 hdd\"><div class=\"t m0 x4f h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b7 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">11,704<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b7 w54 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">2,653<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b7 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b7 w114 hdd\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">2,653 </div></td></tr><tr><td class=\"c x308 y21b8 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21b9 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21b9 wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">100,061<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b9 w112 hdd\"><div class=\"t m0 x33 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">3,084<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b9 w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">103,145<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b9 w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">81,851<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b9 wd5 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">5,953<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b9 w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">87,804 </div></td></tr><tr><td class=\"c x308 y21ba w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21ba wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">19,349<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21ba w112 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21ba w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">19,496<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21ba w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">12,065<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21ba wd5 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">7,146<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21ba w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">19,211 </div></td></tr><tr><td class=\"c x308 y21bb w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21bb wa5 hdd\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">3,127<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21bb w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21bb w113 hdd\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">3,127<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21bb w54 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">5,679<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21bb wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21bb w114 hdd\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">5,679 </div></td></tr><tr><td class=\"c x308 y21bc w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21bc wa5 hab\"><div class=\"t m0 x37 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21bc w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21bc w113 hab\"><div class=\"t m0 xd6 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21bc w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">417<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21bc wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21bc w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">417 </div></td></tr><tr><td></td><td class=\"c x3a5 y21bd wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">122,537<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21bd w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,231<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21bd w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">125,768<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21bd w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">100,012<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21bd wd5 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">13,099<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21bd w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">113,111 </div></td></tr><tr><td class=\"c x308 y21be w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21bf w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x3a5 y21bf wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,847<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21bf w112 hab\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">13,200<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21bf w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">15,047<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21bf w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">15,089<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21bf wd5 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">306<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21bf w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">15,395 </div></td></tr><tr><td class=\"c x308 y21c0 w111 hdd\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Total underpe<span class=\"_ _1\"></span>rforming<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3a5 y21c0 wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">136,076<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c0 w112 hdd\"><div class=\"t m0 xdb h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">16,443<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c0 w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">152,519<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c0 w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">117,754<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c0 wd5 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">13,405<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c0 w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">131,159 </div></td></tr><tr><td class=\"c x308 y21c1 w111 hdb\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">perfor<span class=\"_ _1\"></span>ming </span>\u2013 <span class=\"ws9b\">Stage 3</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21c2 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y21c2 wa5 hbc\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">668<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c2 w112 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">4,775<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c2 w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">5,443<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c2 w54 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">608<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c2 wd5 hbc\"><div class=\"t m0 xd6 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,903<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c2 w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">5,511 </div></td></tr><tr><td class=\"c x308 y21c3 w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21c4 w111 hf2\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21c4 wa5 hf2\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">1,101<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c4 w112 hf2\"><div class=\"t m0 xdb h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">28,631<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c4 w113 hf2\"><div class=\"t m0 x7e h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">29,732<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c4 w54 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">1,647<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c4 wd5 hf2\"><div class=\"t m0 x35 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">27,638<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c4 w114 hf2\"><div class=\"t m0 x7e h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">29,285 </div></td></tr><tr><td class=\"c x308 y21c5 w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21c5 wa5 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,592<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c5 w112 hdb\"><div class=\"t m0 x33 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">4,703<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c5 w113 hdb\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">6,295<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c5 w54 hdb\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">4,336<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c5 wd5 hdb\"><div class=\"t m0 xd6 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">5,769<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c5 w114 hdb\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">10,105 </div></td></tr><tr><td class=\"c x308 y21c6 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21c6 wa5 hbc\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">223<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c6 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c6 w113 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">223<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c6 w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,303<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c6 wd5 hbc\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c6 w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,303 </div></td></tr><tr><td class=\"c x308 y21c7 w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21c7 wa5 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c7 w112 hdb\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c7 w113 hdb\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c7 w54 hdb\"><div class=\"t m0 x125 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">31<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c7 wd5 hdb\"><div class=\"t m0 x10b h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">233<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c7 w114 hdb\"><div class=\"t m0 x33 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">264 </div></td></tr><tr><td></td><td class=\"c x3a5 y21c8 wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,951<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c8 w112 hbc\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">33,334<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c8 w113 hbc\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">37,285<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c8 w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">7,317<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c8 wd5 hbc\"><div class=\"t m0 x35 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">33,640<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c8 w114 hbc\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">40,957 </div></td></tr><tr><td class=\"c x308 y21c9 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21ca w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21ca wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,194<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21ca w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21ca w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,194<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21ca w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,219<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21ca wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21ca w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,219 </div></td></tr><tr><td class=\"c x308 y21cb w111 hdb\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Total non<span class=\"ws1\">-<span class=\"ls28 ws99\">performing </span>\u2013 </span>Stage 3<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21cb wa5 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">7,813<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21cb w112 hdb\"><div class=\"t m0 xdb h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">38,109<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21cb w113 hdb\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">45,922<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21cb w54 hdb\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">12,144<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21cb wd5 hdb\"><div class=\"t m0 x35 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">38,543<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21cb w114 hdb\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">50,687 </div></td></tr><tr><td class=\"c x308 y21cc w111 hab\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">At 31 December<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21cc wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">881,924<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21cc w112 hab\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">54,552<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21cc w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">936,476<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21cc w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">829,162<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21cc wd5 hab\"><div class=\"t m0 x35 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">51,948<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21cc w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">881,110 </div></td></tr></table></div>2.3.13 <span class=\"ls1 ws1\"> <span class=\"_ _2b\"></span><span class=\"ls5 ws6\">Trade and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> receivab<span class=\"_ _1\"></span>les<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span>The Bank\u2019s s<span class=\"_ _1\"></span>ubsidiary<span class=\"_ _1\"></span> assesses the credit q<span class=\"_ _1\"></span>uality of its cu<span class=\"_ _1\"></span>stomers taking in<span class=\"_ _1\"></span>to account<span class=\"_ _1\"></span> financial positio<span class=\"_ _1\"></span>n, past experien<span class=\"_ _1\"></span>ce<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">and other factor<span class=\"_ _0\"></span>s. It <span class=\"_ _0\"></span>has pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s in pla<span class=\"_ _0\"></span>ce to e<span class=\"_ _11\"></span>nsure that sal<span class=\"_ _0\"></span>es of pro<span class=\"_ _0\"></span>ducts<span class=\"_ _0\"></span> and <span class=\"_ _0\"></span>servic<span class=\"_ _0\"></span>es are<span class=\"_ _0\"></span> </span></span>effected<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span> with a<span class=\"_ _1\"></span>n approp<span class=\"_ _1\"></span>riate cred<span class=\"_ _1\"></span>it his<span class=\"_ _1\"></span>tory in the ca<span class=\"_ _1\"></span>se of cr<span class=\"_ _1\"></span>edit sa<span class=\"_ _1\"></span>les. The s<span class=\"_ _1\"></span>ubsidi<span class=\"_ _1\"></span>ary mon<span class=\"_ _1\"></span>itors the per<span class=\"_ _1\"></span>forman<span class=\"_ _1\"></span>ce of thes<span class=\"_ _1\"></span>e fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> asset<span class=\"_ _1\"></span>s on a regu<span class=\"_ _1\"></span><span class=\"ls6 ws49\">lar basis to identify expected a<span class=\"_ _1\"></span>nd incurred collectio<span class=\"_ _1\"></span>n </span>losses wh<span class=\"_ _1\"></span>ich are inherent in th<span class=\"_ _1\"></span>e subsidiary\u2019s<span class=\"_ _1\"></span> receivables taking in<span class=\"_ _1\"></span>to account histo<span class=\"_ _1\"></span>rical experience in collection of acco<span class=\"_ _1\"></span>unts rece<span class=\"_ _1\"></span>ivable.<span class=\"ls1 ws1\"> </span>Standard cr<span class=\"_ _0\"></span>edit te<span class=\"_ _0\"></span>rms are<span class=\"_ _0\"></span> in place f<span class=\"_ _0\"></span>or indivi<span class=\"_ _0\"></span>dual cli<span class=\"_ _0\"></span>ents, howe<span class=\"_ _0\"></span>ver, whe<span class=\"_ _0\"></span>rever possibl<span class=\"_ _0\"></span>e, new<span class=\"_ _0\"></span> corpora<span class=\"_ _0\"></span>te and commer<span class=\"_ _0\"></span>cial custom<span class=\"_ _0\"></span>ers are<span class=\"_ _0\"></span> analysed individua<span class=\"_ _0\"></span>lly for<span class=\"_ _0\"></span> credit<span class=\"_ _0\"></span>worthi<span class=\"_ _0\"></span>ness befo<span class=\"_ _0\"></span>re the subsidiar<span class=\"_ _0\"></span>y\u2019s standard<span class=\"_ _0\"></span> payment and se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span> deli<span class=\"_ _0\"></span>very term<span class=\"_ _0\"></span>s and conditions <span class=\"ls5 ws68\">are offered.<span class=\"_ _1\"></span> The ent<span class=\"_ _1\"></span>ity\u2019<span class=\"_ _1\"></span>s revie<span class=\"_ _1\"></span>w in<span class=\"_ _1\"></span>cludes<span class=\"_ _1\"></span> extern<span class=\"_ _1\"></span>al </span>credit<span class=\"_ _0\"></span>worthi<span class=\"_ _0\"></span>ness databases w<span class=\"_ _0\"></span>hen avail<span class=\"_ _0\"></span>able. T<span class=\"_ _0\"></span>he subsidiar<span class=\"_ _0\"></span>y est<span class=\"_ _0\"></span>ablishes an al<span class=\"_ _0\"></span>lowanc<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t losses that<span class=\"_ _0\"></span> repre<span class=\"_ _0\"></span>sents its e<span class=\"_ _0\"></span>stimate of<span class=\"_ _0\"></span> both incurred a<span class=\"_ _0\"></span>nd expec<span class=\"_ _0\"></span>ted losses in respe<span class=\"_ _0\"></span>ct of trade<span class=\"_ _0\"></span> and other re<span class=\"_ _0\"></span>ceivab<span class=\"ls6 ws52\">les. This </span>allowa<span class=\"_ _0\"></span>nce re<span class=\"_ _0\"></span>presents ex<span class=\"_ _0\"></span>pected cr<span class=\"_ _0\"></span>edit lo<span class=\"_ _0\"></span>sses (\u2018ECL\u2019<span class=\"_ _0\"></span>) against i<span class=\"_ _11\"></span>ndividual exposures. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The <span class=\"_ _14\"></span><span class=\"ls8 ws16\">subsidiary<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws34\">applies<span class=\"_ _1\"></span> the IFRS 9 simplif<span class=\"_ _1\"></span>ied approa<span class=\"_ _1\"></span>ch to measurin<span class=\"_ _1\"></span>g expected credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>es which uses<span class=\"_ _1\"></span> a </span></span></span>lifeti<span class=\"_ _1\"></span>me expec<span class=\"_ _1\"></span>ted l<span class=\"_ _1\"></span>oss a<span class=\"_ _1\"></span>llowa<span class=\"_ _1\"></span>nce for<span class=\"_ _1\"></span> all t<span class=\"_ _1\"></span>rade r<span class=\"_ _1\"></span>eceivab<span class=\"_ _1\"></span>les. <span class=\"_ _1\"></span>To mea<span class=\"_ _1\"></span>sure t<span class=\"_ _1\"></span>he exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses, t<span class=\"_ _1\"></span>rade rece<span class=\"_ _0\"></span>ivables and c<span class=\"_ _0\"></span>ontract<span class=\"_ _0\"></span> assets have be<span class=\"_ _0\"></span>en groupe<span class=\"_ _0\"></span>d based o<span class=\"_ _0\"></span>n sha<span class=\"ls6 ws52\">red credit risk ch<span class=\"_ _1\"></span>aracteristics<span class=\"_ _1\"></span> and the days </span>past due.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The exp<span class=\"_ _1\"></span>ected lo<span class=\"_ _1\"></span>ss ra<span class=\"_ _1\"></span>tes ar<span class=\"_ _1\"></span>e based<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e payment<span class=\"_ _1\"></span> profiles<span class=\"_ _1\"></span> of sa<span class=\"_ _1\"></span>les ov<span class=\"_ _1\"></span>er a perio<span class=\"_ _1\"></span>d of ti<span class=\"_ _1\"></span>me befor<span class=\"_ _1\"></span>e the reporti<span class=\"_ _0\"></span>ng date and t<span class=\"_ _0\"></span>he corr<span class=\"_ _0\"></span>esponding histori<span class=\"_ _0\"></span>cal cr<span class=\"_ _0\"></span>edit lo<span class=\"_ _0\"></span>sses expe<span class=\"_ _0\"></span>rienced w<span class=\"_ _0\"></span>ithin thi<span class=\"_ _0\"></span>s period. The<span class=\"_ _0\"></span> histori<span class=\"_ _0\"></span>cal loss<span class=\"_ _1\"></span> rates<span class=\"_ _1\"></span> are adju<span class=\"_ _1\"></span>sted t<span class=\"_ _1\"></span>o reflect cur<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span> and <span class=\"ws7\">fo<span class=\"_ _1\"></span>rward<span class=\"ls1 ws1\">-<span class=\"ls7 wsec\">looking information on macroeconom<span class=\"_ _0\"></span>ic factors </span></span></span>affect<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e abilit<span class=\"_ _1\"></span>y of th<span class=\"_ _1\"></span>e cust<span class=\"_ _1\"></span>omers to<span class=\"_ _1\"></span> settl<span class=\"_ _1\"></span>e the rec<span class=\"_ _1\"></span>eivab<span class=\"_ _1\"></span>les.<span class=\"ls1 ws1\"> </span>The movem<span class=\"_ _1\"></span>ent in prov<span class=\"_ _1\"></span>isions for i<span class=\"_ _1\"></span>mpairment in<span class=\"_ _1\"></span> respect of<span class=\"_ _1\"></span> trade receiv<span class=\"_ _1\"></span>ables is d<span class=\"_ _1\"></span>isclosed in<span class=\"_ _1\"></span> note 16. Oth<span class=\"_ _1\"></span>er overdue tra<span class=\"_ _1\"></span>de receivables am<span class=\"_ _1\"></span>ount to<span class=\"_ _1\"></span> \u20ac624,000 (2024: \u20ac309,000).<span class=\"_ _1\"></span> Trade receiv<span class=\"_ _1\"></span>ables amo<span class=\"_ _1\"></span>unting \u20ac106,000<span class=\"_ _1\"></span> (2024: \u20ac139,<span class=\"_ _1\"></span>000) were ove<span class=\"_ _1\"></span>rdue b<span class=\"_ _1\"></span>y at least th<span class=\"_ _1\"></span>ree months<span class=\"_ _1\"></span>, whereas \u20ac518,0<span class=\"_ _1\"></span>00 (2024:<span class=\"ls1 ws1\">  </span><span class=\"ws3d\">\u20ac170,000) were<span class=\"_ _1\"></span> </span>overdue by a<span class=\"_ _0\"></span>t least ni<span class=\"_ _0\"></span>ne mont<span class=\"_ _0\"></span>hs.<span class=\"ls1 ws1\"> </span>The subs<span class=\"_ _1\"></span>idiary\u2019s receivab<span class=\"_ _1\"></span>les, which are not impa<span class=\"_ _1\"></span>ired financial a<span class=\"_ _1\"></span>ssets, are prin<span class=\"_ _1\"></span>cipally in respect of tran<span class=\"_ _1\"></span>sacti<span class=\"_ _1\"></span>ons with<span class=\"_ _1\"></span> customer<span class=\"_ _1\"></span>s for who<span class=\"_ _1\"></span>m there is<span class=\"_ _1\"></span> no recent<span class=\"_ _1\"></span> histor<span class=\"_ _1\"></span>y of defau<span class=\"_ _1\"></span>lt. Man<span class=\"_ _1\"></span>agement<span class=\"_ _1\"></span> does<span class=\"_ _1\"></span> not expec<span class=\"_ _1\"></span>t any material losses f<span class=\"_ _0\"></span>rom non<span class=\"ls1\">-<span class=\"ls5 ws6\">performan<span class=\"_ _1\"></span>ce by<span class=\"_ _1\"></span> thes<span class=\"_ _1\"></span>e cu<span class=\"ws7\">sto<span class=\"_ _1\"></span>mers.</span></span> </span>2.3.14<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span><span class=\"ws7\">Co<span class=\"_ _1\"></span>ntingencies an<span class=\"_ _1\"></span>d commitm<span class=\"_ _1\"></span>ents<span class=\"ls1 ws1\"> </span></span>Guarante<span class=\"_ _0\"></span>es and sta<span class=\"_ _0\"></span>ndby le<span class=\"_ _0\"></span>tters of<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit carr<span class=\"_ _0\"></span>y the same<span class=\"_ _0\"></span> cr<span class=\"_ _0\"></span>edit ri<span class=\"_ _0\"></span>sk as loa<span class=\"_ _0\"></span>ns. Docum<span class=\"_ _0\"></span>entary c<span class=\"_ _0\"></span>redits a<span class=\"_ _0\"></span>nd commercial lett<span class=\"_ _1\"></span>ers of credit<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"_ _1d\"> </span><span class=\"ls8 ws40\">which ar<span class=\"_ _0\"></span>e wri<span class=\"_ _0\"></span>tten unde<span class=\"_ _0\"></span>rtakings by<span class=\"_ _0\"></span> the B<span class=\"_ _0\"></span>ank on be<span class=\"_ _0\"></span>half<span class=\"_ _0\"></span> of a cust<span class=\"_ _0\"></span>omer </span></span>authorising<span class=\"_ _0\"></span> a third <span class=\"_ _0\"></span>party to <span class=\"_ _0\"></span>draw<span class=\"_ _0\"></span> drafts on the<span class=\"_ _0\"></span> Bank up to <span class=\"_ _0\"></span>a stipula<span class=\"_ _0\"></span>ted amo<span class=\"_ _0\"></span>unt under<span class=\"_ _0\"></span> spec<span class=\"_ _0\"></span>ific te<span class=\"_ _0\"></span>rms and conditio<span class=\"_ _1\"></span>ns <span class=\"_ _13\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"_ _13\"></span><span class=\"ls8 wsb\">are collateral<span class=\"_ _0\"></span>ised by the unde<span class=\"_ _0\"></span>rlying shipm<span class=\"_ _0\"></span>ents of<span class=\"_ _0\"></span> goods to w<span class=\"_ _0\"></span>hich they r<span class=\"_ _0\"></span>elate and the<span class=\"_ _0\"></span>ref<span class=\"_ _0\"></span>ore </span></span>carry le<span class=\"_ _0\"></span>ss risk t<span class=\"_ _0\"></span>han a dir<span class=\"_ _0\"></span>ect l<span class=\"_ _0\"></span>oan. Com<span class=\"_ _0\"></span>mitment<span class=\"_ _0\"></span>s to exte<span class=\"_ _0\"></span>nd credi<span class=\"_ _0\"></span>t repre<span class=\"_ _0\"></span>sent unused porti<span class=\"_ _0\"></span>ons of<span class=\"_ _0\"></span> authorisat<span class=\"ls5 ws2a\">ions t<span class=\"_ _1\"></span>o extend<span class=\"_ _1\"></span> credi<span class=\"_ _1\"></span>t in t<span class=\"_ _1\"></span>he for<span class=\"_ _1\"></span>m of lo<span class=\"_ _1\"></span>ans,<span class=\"_ _1\"></span> guara<span class=\"_ _1\"></span>ntees o<span class=\"_ _1\"></span>r lett<span class=\"_ _1\"></span>ers of <span class=\"_ _1\"></span>credit<span class=\"_ _1\"></span>. Wit<span class=\"_ _1\"></span>h res<span class=\"_ _1\"></span>pect t<span class=\"_ _1\"></span>o cred<span class=\"_ _1\"></span>it </span>risk on c<span class=\"_ _0\"></span>ommi<span class=\"_ _0\"></span>tments to e<span class=\"_ _0\"></span>xtend cr<span class=\"_ _0\"></span>edit, the<span class=\"_ _0\"></span> Ban<span class=\"_ _0\"></span>k is pot<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ally e<span class=\"_ _0\"></span>xposed to<span class=\"_ _0\"></span> loss i<span class=\"_ _0\"></span>n an am<span class=\"_ _0\"></span>ount e<span class=\"_ _0\"></span>qual to t<span class=\"_ _0\"></span>he tota<span class=\"_ _1\"></span>l unu<span class=\"_ _1\"></span>sed commi<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span>. Ho<span class=\"_ _1\"></span>wever, t<span class=\"_ _1\"></span>he lik<span class=\"_ _1\"></span>ely amo<span class=\"_ _1\"></span>unt<span class=\"ls1 ws1\"> <span class=\"ls8 wsa\">of loss is less than the t<span class=\"_ _0\"></span>otal unus<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ommitments </span></span>as most co<span class=\"_ _1\"></span>mmitments to<span class=\"_ _1\"></span> extend credit are con<span class=\"_ _1\"></span>tingent u<span class=\"_ _1\"></span>pon cus<span class=\"_ _1\"></span>tomers maintain<span class=\"_ _1\"></span>ing specific credit<span class=\"_ _1\"></span> standards.  T<span class=\"_ _0\"></span>hese<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s are monitor<span class=\"_ _0\"></span>ed in the sam<span class=\"_ _0\"></span>e manner out<span class=\"_ _0\"></span>lined above<span class=\"_ _0\"></span> in respec<span class=\"_ _0\"></span>t of loans and advances.<span class=\"ls1 ws1\"> </span>2.4<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span><span class=\"lsa ws44\">Market risk</span> </span>The Grou<span class=\"_ _1\"></span>p tak<span class=\"_ _1\"></span>es on ex<span class=\"_ _1\"></span>posure t<span class=\"_ _1\"></span>o market<span class=\"_ _1\"></span> risk, wh<span class=\"_ _1\"></span>ich is<span class=\"_ _1\"></span> the risk t<span class=\"_ _1\"></span>hat the fa<span class=\"_ _1\"></span>ir valu<span class=\"_ _1\"></span>e or futu<span class=\"_ _1\"></span>re cash flo<span class=\"_ _1\"></span>ws of a finan<span class=\"_ _1\"></span>cial in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ment will fl<span class=\"_ _1\"></span>uct<span class=\"_ _1\"></span>uate b<span class=\"_ _1\"></span>ecause o<span class=\"_ _1\"></span>f chan<span class=\"_ _1\"></span>ges in mark<span class=\"_ _1\"></span>et prices<span class=\"_ _1\"></span>. Mark<span class=\"_ _1\"></span>et risk<span class=\"_ _1\"></span>s arise fr<span class=\"_ _1\"></span>om open positions<span class=\"_ _0\"></span> in inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ate, cur<span class=\"_ _11\"></span>rency and equit<span class=\"_ _0\"></span>y produc<span class=\"_ _0\"></span>ts, al<span class=\"_ _0\"></span>l of w<span class=\"_ _0\"></span>hich ar<span class=\"_ _0\"></span>e expo<span class=\"_ _0\"></span>sed to g<span class=\"_ _0\"></span>ener<span class=\"_ _0\"></span>al and spe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>ic market mo<span class=\"_ _1\"></span>vemen<span class=\"_ _1\"></span>ts an<span class=\"_ _1\"></span>d cha<span class=\"_ _1\"></span>nges in t<span class=\"_ _1\"></span>he level o<span class=\"_ _1\"></span>f vola<span class=\"_ _1\"></span>tility<span class=\"_ _1\"></span> of market<span class=\"_ _1\"></span> rates<span class=\"_ _1\"></span> or pric<span class=\"_ _1\"></span>es suc<span class=\"_ _1\"></span>h as int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>tes, credit<span class=\"_ _0\"></span> spreads, f<span class=\"_ _0\"></span>oreig<span class=\"_ _0\"></span>n exchang<span class=\"_ _0\"></span>e rate<span class=\"_ _0\"></span>s and equity pr<span class=\"_ _0\"></span>ices.<span class=\"_ _bc\"> </span> <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs581\">Accord<span class=\"_ _1\"></span>ingly<span class=\"_ _1\"></span>, market<span class=\"_ _1\"></span> risk fo<span class=\"_ _1\"></span>r the Gro<span class=\"_ _1\"></span>up con<span class=\"_ _1\"></span>sis<span class=\"_ _1\"></span>ts of t<span class=\"_ _1\"></span>hree elemen<span class=\"_ _1\"></span>ts:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs582\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls5 ws6\">Int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>te risk<span class=\"_ _1\"></span>, which<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e risk of lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> becaus<span class=\"_ _1\"></span>e of cha<span class=\"_ _1\"></span>nges in in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rates<span class=\"_ _1\"></span>;</span> </div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs583\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 wsd\">Exchan<span class=\"_ _1\"></span>ge rate risk, which<span class=\"_ _1\"></span> is the risk<span class=\"_ _1\"></span> of losses o<span class=\"_ _1\"></span>n the Group\u2019s p<span class=\"_ _1\"></span>ositions in<span class=\"_ _1\"></span> foreign <span class=\"ls8 ws3c\">currency be<span class=\"_ _0\"></span>cause of<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs584\">changes i<span class=\"_ _0\"></span>n exchang<span class=\"_ _0\"></span>e rate<span class=\"_ _0\"></span>s; and<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs585\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">Equi<span class=\"_ _1\"></span>ty price risk,<span class=\"_ _1\"></span> which is the risk o<span class=\"_ _1\"></span>f losses becau<span class=\"_ _1\"></span>se of changes in in<span class=\"_ _1\"></span>vestment prices<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs586\">2.4.1<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"lsa ws44\">Interest rate risk</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws83 gs587\">Interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e risk i<span class=\"_ _1\"></span>s the r<span class=\"_ _1\"></span>isk tha<span class=\"_ _1\"></span>t the v<span class=\"_ _1\"></span>alue or<span class=\"_ _1\"></span> cash fl<span class=\"_ _1\"></span>ows of a<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>t wil<span class=\"_ _1\"></span>l fluc<span class=\"_ _1\"></span>tuate d<span class=\"_ _1\"></span>ue to<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs588\">chan<span class=\"_ _1\"></span>ges in ma<span class=\"_ _1\"></span>rket in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates.<span class=\"_ _1\"></span>  Cash fl<span class=\"_ _1\"></span>ow inter<span class=\"_ _1\"></span>est rat<span class=\"_ _1\"></span>e risk i<span class=\"_ _1\"></span>s the ris<span class=\"_ _1\"></span>k that t<span class=\"_ _1\"></span>he futu<span class=\"_ _1\"></span>re cash flo<span class=\"_ _1\"></span>ws of a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs589\">financial in<span class=\"_ _1\"></span>strument will fluctu<span class=\"_ _1\"></span>ate beca<span class=\"ls5 ws2a\">us<span class=\"_ _1\"></span>e of chan<span class=\"_ _1\"></span>ges in mar<span class=\"_ _1\"></span>ket int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>tes. Fa<span class=\"_ _1\"></span>ir value i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate ri<span class=\"_ _1\"></span>sk </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs58a\">is th<span class=\"_ _1\"></span>e risk th<span class=\"_ _1\"></span>at the fa<span class=\"_ _1\"></span>ir valu<span class=\"_ _1\"></span>e of a finan<span class=\"_ _1\"></span>cial in<span class=\"_ _1\"></span>strumen<span class=\"_ _1\"></span>t will fl<span class=\"_ _1\"></span>uctu<span class=\"_ _1\"></span>ate bec<span class=\"_ _1\"></span>ause o<span class=\"_ _1\"></span>f chang<span class=\"_ _1\"></span>es in ma<span class=\"_ _1\"></span>rket in<span class=\"_ _1\"></span>terest </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs58b\">rates. T<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup, thro<span class=\"_ _0\"></span>ugh it<span class=\"_ _0\"></span>s banking<span class=\"_ _11\"></span> operations, take<span class=\"_ _0\"></span>s on<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> to<span class=\"_ _0\"></span> the<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls5 ws35\">effects o<span class=\"_ _1\"></span>f fluctu<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span>s in the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs58c\">preva<span class=\"_ _1\"></span>iling l<span class=\"_ _1\"></span>evels o<span class=\"_ _1\"></span>f market in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rates<span class=\"_ _1\"></span> on both<span class=\"_ _1\"></span> its fair va<span class=\"_ _1\"></span>lue and<span class=\"_ _1\"></span> cash flo<span class=\"_ _1\"></span>w risks<span class=\"_ _1\"></span>. Interes<span class=\"_ _1\"></span>t margi<span class=\"_ _1\"></span>ns may </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs58d\">increa<span class=\"_ _0\"></span>se as a re<span class=\"_ _0\"></span>sult of such c<span class=\"_ _0\"></span>hange<span class=\"_ _0\"></span>s but losse<span class=\"_ _0\"></span>s may occ<span class=\"_ _0\"></span>ur in <span class=\"_ _0\"></span>the eve<span class=\"_ _0\"></span>nt that unex<span class=\"_ _0\"></span>pecte<span class=\"_ _0\"></span>d moveme<span class=\"_ _0\"></span>nts arise.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls9 ws141 gs58e\">The Bank\u2019s operations are subject to the risk of inte<span class=\"_ _0\"></span>rest rate fluctuations to the extent that interest<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">earnin<span class=\"_ _1\"></span>g </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws12e gs58f\">assets an<span class=\"_ _0\"></span>d int<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>st<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">bearing li<span class=\"_ _1\"></span>abi<span class=\"_ _1\"></span>lities<span class=\"_ _1\"></span> mature o<span class=\"_ _1\"></span>r repri<span class=\"_ _1\"></span>ce wit<span class=\"_ _1\"></span>hin d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>t time p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>s or on<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ent terms<span class=\"_ _1\"></span>. </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs590\">The Ban<span class=\"_ _1\"></span>k accept<span class=\"_ _1\"></span>s dep<span class=\"_ _1\"></span>osits<span class=\"_ _1\"></span> from cu<span class=\"ls7 ws46\">stomers at both fixed and<span class=\"_ _0\"></span> floating rate<span class=\"_ _0\"></span>s and for varying<span class=\"_ _0\"></span> te<span class=\"_ _0\"></span>rms. This poses </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs591\">a risk to the<span class=\"_ _0\"></span> Bank, w<span class=\"_ _0\"></span>hich risk i<span class=\"_ _0\"></span>s manage<span class=\"_ _0\"></span>d by monitor<span class=\"_ _0\"></span>ing on a continuous ba<span class=\"_ _0\"></span>sis the l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> of mismatc<span class=\"_ _0\"></span>h of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs592\">interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e repric<span class=\"_ _1\"></span>ing ta<span class=\"_ _1\"></span>king co<span class=\"_ _1\"></span>gnis<span class=\"_ _1\"></span>ance of t<span class=\"_ _1\"></span>he ter<span class=\"_ _1\"></span>ms of t<span class=\"_ _1\"></span>he Ban<span class=\"_ _1\"></span>k\u2019s ma<span class=\"_ _1\"></span>in as<span class=\"_ _1\"></span>se<span class=\"ls7 ws54\">ts, loans and advances to </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs593\">custome<span class=\"_ _0\"></span>rs, that are<span class=\"_ _0\"></span> princi<span class=\"_ _0\"></span>pally repric<span class=\"_ _0\"></span>eable at t<span class=\"_ _0\"></span>he Bank\u2019s discre<span class=\"_ _0\"></span>tion.  T<span class=\"_ _0\"></span>he Bank also i<span class=\"_ _0\"></span>nvests in highl<span class=\"_ _0\"></span>y liquid<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs594\">quality a<span class=\"_ _0\"></span>ssets and<span class=\"_ _0\"></span> other<span class=\"_ _0\"></span> short<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws15\">te<span class=\"_ _0\"></span>rm instrume<span class=\"_ _0\"></span>nts for t<span class=\"_ _0\"></span>he pur<span class=\"_ _0\"></span>poses of<span class=\"_ _0\"></span> miti<span class=\"_ _0\"></span>gating e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span>s t<span class=\"_ _0\"></span>o fluctua<span class=\"_ _0\"></span>tions i<span class=\"_ _0\"></span>n </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws28 gs595\">interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span><span class=\"ls6 ws27\">es.  The Bank is accordingly in a po<span class=\"_ _1\"></span>sition to manage the int<span class=\"_ _1\"></span>erest rate terms of its principa<span class=\"_ _1\"></span>l </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs596\">financial as<span class=\"_ _1\"></span>sets an<span class=\"_ _1\"></span>d simultan<span class=\"_ _1\"></span>eously to ef<span class=\"_ _1\"></span>fect changes<span class=\"_ _1\"></span> to int<span class=\"_ _1\"></span>erest terms o<span class=\"_ _1\"></span>f liabilities<span class=\"_ _1\"></span> reflecting t<span class=\"_ _1\"></span>he Bank\u2019<span class=\"_ _1\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws80 gs597\">stra<span class=\"_ _1\"></span>tegy to<span class=\"_ _1\"></span>gether wit<span class=\"_ _1\"></span>h mark<span class=\"_ _1\"></span>et dev<span class=\"_ _1\"></span>elopm<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span>. The Grou<span class=\"_ _1\"></span>p<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span></span>s<span class=\"_ _1\"></span>eeks to<span class=\"_ _1\"></span> manage it<span class=\"_ _1\"></span>s net<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t spr<span class=\"_ _1\"></span>ead, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs598\">considerin<span class=\"_ _1\"></span>g the cost of ca<span class=\"_ _1\"></span>pital, by<span class=\"_ _1\"></span> investing fu<span class=\"_ _1\"></span>nds in a portfolio of as<span class=\"_ _1\"></span>sets with a lo<span class=\"_ _1\"></span>nger term than th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs599\">liabilities fu<span class=\"_ _1\"></span>nding them (th<span class=\"_ _1\"></span>erefore normally giv<span class=\"_ _1\"></span>ing rise to a negativ<span class=\"_ _1\"></span>e maturity gap<span class=\"_ _1\"></span> position<span class=\"_ _1\"></span>) but with shorte<span class=\"ls72 wsee\">r </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs59a\">reprici<span class=\"_ _1\"></span>ng peri<span class=\"_ _1\"></span>ods o<span class=\"_ _1\"></span>r terms.<span class=\"_ _1\"></span>  The Bank<span class=\"_ _1\"></span> manages<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>horter<span class=\"_ _1\"></span> term natu<span class=\"_ _1\"></span>re of the l<span class=\"_ _1\"></span>iabili<span class=\"_ _1\"></span>ties fu<span class=\"_ _1\"></span>ndin<span class=\"_ _1\"></span>g the ass<span class=\"_ _1\"></span>ets </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs59b\">for th<span class=\"_ _1\"></span>e purp<span class=\"_ _1\"></span>oses o<span class=\"_ _1\"></span>f ensu<span class=\"_ _1\"></span>ring a <span class=\"_ _1\"></span>stea<span class=\"_ _1\"></span>dy ba<span class=\"_ _1\"></span>se of d<span class=\"_ _1\"></span>eposi<span class=\"_ _1\"></span>ts with<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ing ter<span class=\"_ _1\"></span>ms ov<span class=\"_ _1\"></span>er the <span class=\"_ _1\"></span>mediu<span class=\"_ _1\"></span>m to lo<span class=\"_ _1\"></span>nger<span class=\"_ _1\"></span> term. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs59c\">The Bank\u2019s As<span class=\"_ _1\"></span>sets &amp; Lia<span class=\"_ _1\"></span>bilities <span class=\"_ _1\"></span>Commit<span class=\"ls5 ws3f\">tee<span class=\"_ _1\"></span> is pri<span class=\"_ _1\"></span>marily r<span class=\"_ _1\"></span>esp<span class=\"_ _1\"></span>onsi<span class=\"_ _1\"></span>ble for o<span class=\"_ _1\"></span>versig<span class=\"_ _1\"></span>ht ov<span class=\"_ _1\"></span>er the<span class=\"_ _1\"></span> Ban<span class=\"_ _1\"></span>k\u2019s in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rate </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs59d\">risk<span class=\"_ _1\"></span> managemen<span class=\"_ _1\"></span>t proc<span class=\"_ _1\"></span>ess an<span class=\"_ _1\"></span>d mon<span class=\"_ _1\"></span>itors<span class=\"_ _1\"></span> activ<span class=\"_ _1\"></span>ely the i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate ri<span class=\"_ _1\"></span>sk meas<span class=\"_ _1\"></span>ures u<span class=\"_ _1\"></span>tilis<span class=\"_ _1\"></span>ed by th<span class=\"_ _1\"></span>e Bank.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs59e\">Credit fa<span class=\"_ _1\"></span>ciliti<span class=\"_ _1\"></span>es an<span class=\"_ _1\"></span>d commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s to lend<span class=\"_ _1\"></span> funds t<span class=\"_ _1\"></span>o custo<span class=\"_ _1\"></span>mers are gra<span class=\"_ _1\"></span>nted a<span class=\"_ _1\"></span>t market in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates <span class=\"ls6 ws8\">p<span class=\"_ _1\"></span>revailing </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs59f\">at drawdown date.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsed gs5a0\">The financ<span class=\"_ _0\"></span>ial ye<span class=\"_ _0\"></span>ars ended 31 De<span class=\"_ _0\"></span>cember 2025<span class=\"_ _0\"></span> and 2024, have bee<span class=\"_ _0\"></span>n charac<span class=\"_ _0\"></span>terised by a conti<span class=\"_ _0\"></span>nued </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws9f gs5a1\">disinflationary process t<span class=\"_ _0\"></span>hat has stabilised i<span class=\"_ _0\"></span>nflation rates cl<span class=\"_ _0\"></span>oser to central bank targ<span class=\"_ _0\"></span>ets. In a conte<span class=\"_ _0\"></span>xt of a<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsf gs5a2\">resilient labour m<span class=\"_ _0\"></span>arket, the Euro Area ec<span class=\"_ _0\"></span>onomy has con<span class=\"ls6 ws10\">tinued to<span class=\"_ _1\"></span> grow despite th<span class=\"_ _1\"></span>e cha<span class=\"_ _1\"></span>llenging global<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs5a3\">environm<span class=\"_ _0\"></span>ent. In i<span class=\"_ _0\"></span>ts latest m<span class=\"_ _0\"></span>onetary poli<span class=\"_ _0\"></span>cy deci<span class=\"_ _0\"></span>sion, the EC<span class=\"_ _0\"></span>B see<span class=\"_ _0\"></span>s the outloo<span class=\"_ _0\"></span>k as still unce<span class=\"_ _0\"></span>rtain, due<span class=\"_ _0\"></span> to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs5a4\">ongoing glo<span class=\"_ _1\"></span>bal trade dis<span class=\"_ _1\"></span>putes and<span class=\"_ _1\"></span> geopolitical tens<span class=\"_ _1\"></span>ions. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs5a5\">Following a s<span class=\"_ _1\"></span>eries of rate cuts<span class=\"_ _1\"></span> in 2024<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls7 ws4e\">and</span> <span class=\"_ _1\"></span></span>the first h<span class=\"_ _1\"></span>alf of 2025, ever since its<span class=\"_ _1\"></span> June 2025 decis<span class=\"_ _1\"></span>ion<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls5 ws3b\">the E<span class=\"_ _1\"></span>CB </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs5a6\">decide<span class=\"_ _0\"></span>d to kee<span class=\"_ _0\"></span>p the three<span class=\"_ _0\"></span> key ECB inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ates unchang<span class=\"_ _0\"></span>ed, whi<span class=\"_ _0\"></span>ch stance<span class=\"_ _0\"></span> has<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls6 ws8\">also</span> <span class=\"_ _13\"></span><span class=\"ls5 ws7\">been</span> <span class=\"_ _1\"></span><span class=\"ls6 wsd\">confirm<span class=\"_ _1\"></span>ed in its<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs5a7\">December 2025 d<span class=\"_ _1\"></span>ecision <span class=\"ls1 ws1\">\u2013 <span class=\"_ _13\"></span><span class=\"ls8 ws1b\">the deposit fac<span class=\"_ _0\"></span>ility,<span class=\"_ _0\"></span> the main ref<span class=\"_ _0\"></span>inancing<span class=\"_ _0\"></span> operatio<span class=\"_ _0\"></span>ns and the mar<span class=\"_ _0\"></span>ginal l<span class=\"_ _0\"></span>ending </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs5a8\">facility set at<span class=\"_ _1\"></span> 2.00%, 2.15% an<span class=\"_ _1\"></span>d 2.40% respectiv<span class=\"_ _1\"></span>ely.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs5aa\"> <span class=\"_ _9c\"> </span><span class=\"ls8 ws18\">The f<span class=\"_ _0\"></span>ollowing t<span class=\"_ _0\"></span>ables summar<span class=\"_ _0\"></span>ise the Group\u2019s e<span class=\"_ _0\"></span>xposures to i<span class=\"_ _0\"></span>nte<span class=\"_ _0\"></span>rest rat<span class=\"_ _0\"></span>e risks. T<span class=\"_ _0\"></span>hese analyse<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019s financ<span class=\"_ _0\"></span>ial instrum<span class=\"_ _0\"></span>ents,<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">which<span class=\"_ _1\"></span> are in<span class=\"_ _1\"></span>terest<span class=\"ls1 ws1\">-<span class=\"ls6 ws2e\">b<span class=\"_ _1\"></span>earing, at t<span class=\"_ _1\"></span>heir carrying a<span class=\"_ _1\"></span>mounts </span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs5ab\">categorised b<span class=\"_ _1\"></span>y the earlier of co<span class=\"_ _1\"></span>ntractual<span class=\"_ _1\"></span> repricing or matur<span class=\"_ _1\"></span>ity dates.<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w22f h1e1\" id=\"_b400c973-f081-4ab5-ba8f-c42ffb3de867\"><tr><td class=\"c x3ac y21cd w118 h12b\"><div class=\"t m0 x10 h35 y1490 ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ad y21cd w119 h12b\"><div class=\"t m0 x80 h29 y1490 ff3 fs8 fc0 sc0 ls6f ws109\">Average </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x3ae h29 y21ce ff3 fs8 fc0 sc0 ls6f ws109\">effective</td><td></td><td class=\"t m0 x3af h29 y21ce ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _1e\"> </span><span class=\"ls6f ws109\">Between</span> </td><td class=\"t m0 x3b0 h29 y21ce ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _58\"> </span><span class=\"ls6f ws109\">Between</span> </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x3b1 h29 y21cf ff3 fs8 fc0 sc0 ls70 ws10a\">Carrying<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3b2 h29 y21cf ff3 fs8 fc0 sc0 ls6f ws109\">interest<span class=\"_ _bc\"> </span></td><td class=\"t m0 x3b3 h29 y21cf ff3 fs8 fc0 sc0 ls1 ws9b\">Less than<span class=\"ws1\"> </span></td><td class=\"t m0 x3b4 h29 y21d0 ff3 fs8 fc0 sc0 ls1 ws9b\">3 months<span class=\"ws1\"> </span></td><td class=\"t m0 x3b5 h29 y21d0 ff3 fs8 fc0 sc0 ls1 ws9b\">1 year<span class=\"ws1\"> </span></td><td class=\"t m0 x3b6 h29 y21cf ff3 fs8 fc0 sc0 ls1 ws9b\">More than<span class=\"ws1\"> </span></td><td class=\"t m0 x3b7 h29 y21cf ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls6f ws109\">interest</span></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x3b8 y21cd wf8 h12b\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x3b9 h35 y21d1 ff3 fs8 fc0 sc0 ls1 ws1\">rate<span class=\"ffa\"> </span></td><td class=\"c x3ba y21cd w11a h12b\"><div class=\"t m0 xd4 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">3 months<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3bb y21cd wd4 h12b\"><div class=\"t m0 xe9 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">and 1 year <span class=\"ffa ws1\"> </span></div></td><td class=\"c x3bc y21cd w104 h12b\"><div class=\"t m0 x107 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">and 5 years<span class=\"ffa ws1\"> </span></div></td><td class=\"t m0 x3bd h35 y21d1 ff3 fs8 fc0 sc0 ls1 ws9b\">5 years<span class=\"ffa ws1\"> </span></td><td class=\"c x3be y21cd w11b h12b\"><div class=\"t m0 x26 h29 y94f ff3 fs8 fc0 sc0 ls28 ws99\">bearing<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3ac y21d2 w118 h96\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3b8 y21d2 wf8 h96\"><div class=\"t m0 xdb h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3ad y21d2 w119 h96\"><div class=\"t m0 x104 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">%<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d2 w11a h96\"><div class=\"t m0 x49 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3bb y21d2 wd4 h96\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _57\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d2 w104 h96\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _ae\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d2 w119 h96\"><div class=\"t m0 x84 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _4b\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d2 w11b h96\"><div class=\"t m0 xd9 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x3ac y21d3 w118 h97\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3ac y21d4 w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6a ws1\">Balances with Centr<span class=\"_ _0\"></span>al Bank of Malta, treasury bills and<span class=\"_ _0\"></span> cash<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3b8 y21d4 wf8 h96\"><div class=\"t m0 xe2 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">182,564<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d4 w119 h96\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1.97<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d4 w11a h96\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">164,004<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d4 wd4 h96\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">10,918<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d4 w104 h96\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d4 w119 h96\"><div class=\"t m0 x8f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d4 w11b h96\"><div class=\"t m0 x10b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">7,642 </div></td></tr><tr><td class=\"c x3ac y21d5 w118 h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments m<span class=\"_ _1\"></span>easured at<span class=\"_ _1\"></span> FVO<span class=\"_ _1\"></span>CI <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d5 wf8 h95\"><div class=\"t m0 xe2 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d5 w119 h95\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1.06<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d5 w11a h95\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">571<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d5 wd4 h95\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">46,047<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d5 w104 h95\"><div class=\"t m0 xd7 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">83,687<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d5 w119 h95\"><div class=\"t m0 xe5 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">40,660<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d5 w11b h95\"><div class=\"t m0 xf7 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21d6 w118 h94\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments m<span class=\"_ _1\"></span>easured at<span class=\"_ _1\"></span> amorti<span class=\"_ _1\"></span>sed c<span class=\"_ _1\"></span>ost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d6 wf8 h94\"><div class=\"t m0 xdf h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d6 w119 h94\"><div class=\"t m0 x4f h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">3.70<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d6 w11a h94\"><div class=\"t m0 xce h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d6 wd4 h94\"><div class=\"t m0 xe5 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">3,001<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d6 w104 h94\"><div class=\"t m0 xd7 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">24,364<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d6 w119 h94\"><div class=\"t m0 xd6 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">6,525<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d6 w11b h94\"><div class=\"t m0 xf7 h29 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21d7 w118 h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d7 wf8 h95\"><div class=\"t m0 xdf h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">62,423<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d7 w119 h95\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1.49<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d7 w11a h95\"><div class=\"t m0 xb5 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">61,923<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d7 wd4 h95\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">500<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d7 w104 h95\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d7 w119 h95\"><div class=\"t m0 x8f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d7 w11b h95\"><div class=\"t m0 xf7 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21d8 w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d8 wf8 h96\"><div class=\"t m0 xe2 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">929,111<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d8 w119 h96\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">3.80<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d8 w11a h96\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">752,013<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d8 wd4 h96\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">79,574<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d8 w104 h96\"><div class=\"t m0 xd7 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">93,894<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d8 w119 h96\"><div class=\"t m0 xd6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,870<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d8 w11b h96\"><div class=\"t m0 x10b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,760 </div></td></tr><tr><td class=\"c x3ac y21d9 w118 h95\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l asse<span class=\"_ _1\"></span>ts<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d9 wf8 h95\"><div class=\"t m0 x9c h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,378,953<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x3ba y21d9 w11a h95\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">978,511<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d9 wd4 h95\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">140,040<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d9 w104 h95\"><div class=\"t m0 x22 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">201,945<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d9 w119 h95\"><div class=\"t m0 xe5 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">49,055<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d9 w11b h95\"><div class=\"t m0 x10b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">9,402 </div></td></tr><tr><td class=\"c x3ac y21da w118 h96\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l liab<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3ac y21db w118 hef\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21db wf8 hef\"><div class=\"t m0 xcb h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">345<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21db w119 hef\"><div class=\"t m0 x4f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">0.16<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21db w11a hef\"><div class=\"t m0 xe6 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">336<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21db wd4 hef\"><div class=\"t m0 x6b h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21db w104 hef\"><div class=\"t m0 xce h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21db w119 hef\"><div class=\"t m0 x8f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21db w11b hef\"><div class=\"t m0 x10d h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x3ac y21dc w118 hf5\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21dc wf8 hf5\"><div class=\"t m0 x9c h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">1,207,256<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21dc w119 hf5\"><div class=\"t m0 x4f h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">1.38<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21dc w11a hf5\"><div class=\"t m0 x35 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">497,571<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21dc wd4 hf5\"><div class=\"t m0 x80 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">105,606<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21dc w104 hf5\"><div class=\"t m0 x22 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">313,140<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21dc w119 hf5\"><div class=\"t m0 xe5 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">81,082<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21dc w11b hf5\"><div class=\"t m0 x26 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">209,857 </div></td></tr><tr><td class=\"c x3ac y21dd w118 h96\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l liabi<span class=\"_ _1\"></span>litie<span class=\"_ _1\"></span>s <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21dd wf8 h96\"><div class=\"t m0 x9c h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,207,601<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x3ba y21dd w11a h96\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">497,907<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21dd wd4 h96\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">105,606<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21dd w104 h96\"><div class=\"t m0 x22 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">313,140<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21dd w119 h96\"><div class=\"t m0 xe5 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">81,082<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21dd w11b h96\"><div class=\"t m0 x26 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">209,866 </div></td></tr><tr><td class=\"c x3ac y21de w118 h97\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Interest repricing gap<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td class=\"c x3ba y21de w11a h97\"><div class=\"t m0 x35 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">480,604<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21de wd4 h97\"><div class=\"t m0 x113 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">34,434<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21de w104 h97\"><div class=\"t m0 x113 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">(111,195)<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21de w119 h97\"><div class=\"t m0 x33 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">(31,027)<span class=\"ffa\"> </span></div></td><td></td></tr><tr><td class=\"c x3ac y21df w118 h95\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Cumulative gap<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td class=\"c x3ba y21df w11a h95\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">480,604<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21df wd4 h95\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">515,038<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21df w104 h95\"><div class=\"t m0 x22 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">403,843<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21df w119 h95\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">371,816<span class=\"ffa\"> </span></div></td><td></td></tr></table></div><div class=\"gsb6\"><table class=\"s w22f h1e2\" id=\"_f2bfac1e-782a-4ade-8348-5e59ed76b2be\"><tr><td class=\"c x3ac y21e0 w118 h12b\"><div class=\"t m0 x10 h25 y1490 ff1 fs8 fc0 sc0 ls29 ws9a\">Group<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ad y21e0 w119 h12b\"><div class=\"t m0 x90 h25 y1490 ff1 fs8 fc0 sc0 ls4 ws0\">Average </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x3ae h25 y21e1 ff1 fs8 fc0 sc0 ls79 ws113\">effective</td><td></td><td class=\"t m0 x3af h25 y21e1 ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _2a\"> </span><span class=\"ls4 ws0\">B<span class=\"_ _1\"></span>etween</span> </td><td class=\"t m0 x3b0 h25 y21e1 ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _35\"> </span><span class=\"ls4 ws0\">B<span class=\"_ _1\"></span>etween</span> </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x3c0 h25 y21e2 ff1 fs8 fc0 sc0 ls2a ws10d\">Carrying<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3b2 h25 y21e2 ff1 fs8 fc0 sc0 ls4 ws0\">interest<span class=\"_ _bc\"> </span></td><td class=\"t m0 x3c1 h25 y21e2 ff1 fs8 fc0 sc0 ls4 ws9a\">Less than<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3b4 h25 y21e3 ff1 fs8 fc0 sc0 ls29 ws98\">3 months<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3b5 h25 y21e3 ff1 fs8 fc0 sc0 ls6a ws1\">1 year<span class=\"ls1\"> </span></td><td class=\"t m0 x3c2 h25 y21e2 ff1 fs8 fc0 sc0 ls2a ws99\">More than<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3c3 h25 y21e2 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">inter<span class=\"_ _1\"></span>est</span></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x3b8 y21e0 wf8 h12b\"><div class=\"t m0 xe9 h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">amount<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ad y21e0 w119 h12b\"><div class=\"t m0 xd8 h25 y9db ff1 fs8 fc0 sc0 ls2a ws10d\">rate<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ba y21e0 w11d h12b\"><div class=\"t m0 xd4 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">3 months<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3bb y21e0 wd4 h12b\"><div class=\"t m0 xe9 h25 y9db ff1 fs8 fc0 sc0 ls6a ws1\">and 1 year <span class=\"ffb ls1\"> </span></div></td><td class=\"c x3bc y21e0 w11e h12b\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls6a ws1\">and 5 years<span class=\"ffb ls1\"> </span></div></td><td class=\"t m0 x3c4 h25 y21e4 ff1 fs8 fc0 sc0 ls6a ws1\">5 years<span class=\"ffb ls1\"> </span></td><td class=\"c x3be y21e0 w11f h12b\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">bearing<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3ac y21e5 w118 h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 2024<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3b8 y21e5 wf8 h95\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3ad y21e5 w119 h95\"><div class=\"t m0 x104 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">%<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21e5 w11d h95\"><div class=\"t m0 x49 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3bb y21e5 wd4 h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _57\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21e5 w11e h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _ae\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21e5 w119 h95\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _4b\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffb\"> </span></div></td><td class=\"c x3be y21e5 w11f h95\"><div class=\"t m0 xd9 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x3ac y21e6 w118 h94\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3ac y21e7 w118 h95\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls6a ws1\">Balances with Centr<span class=\"_ _0\"></span>al Bank of Malta, treasury bills and<span class=\"_ _0\"></span> cash<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3b8 y21e7 wf8 h95\"><div class=\"t m0 xe2 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">154,480<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21e7 w119 h95\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">3.12<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21e7 w11d h95\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21e7 wd4 h95\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21e7 w11e h95\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21e7 w119 h95\"><div class=\"t m0 x8f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21e7 w11f h95\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">7,608 </div></td></tr><tr><td class=\"c x3ac y21e8 w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments m<span class=\"_ _1\"></span>easured at<span class=\"_ _1\"></span> FVO<span class=\"_ _1\"></span>CI <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21e8 wf8 h96\"><div class=\"t m0 xe2 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21e8 w119 h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1.06<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21e8 w11d h96\"><div class=\"t m0 xd8 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2,661<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21e8 wd4 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">6,224<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21e8 w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">118,170<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21e8 w119 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">51,773<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21e8 w11f h96\"><div class=\"t m0 xf7 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21e9 w118 h97\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments m<span class=\"_ _1\"></span>easured at<span class=\"_ _1\"></span> amorti<span class=\"_ _1\"></span>sed c<span class=\"_ _1\"></span>ost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21e9 wf8 h97\"><div class=\"t m0 xdf h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21e9 w119 h97\"><div class=\"t m0 x4f h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">4.30<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21e9 w11d h97\"><div class=\"t m0 xce h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21e9 wd4 h97\"><div class=\"t m0 x6b h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21e9 w11e h97\"><div class=\"t m0 xd7 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">14,000<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21e9 w119 h97\"><div class=\"t m0 xd6 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">7,107<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21e9 w11f h97\"><div class=\"t m0 xf7 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21ea w118 h96\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21ea wf8 h96\"><div class=\"t m0 xdf h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">46,189<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21ea w119 h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2.43<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21ea w11d h96\"><div class=\"t m0 xb5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">45,189<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21ea wd4 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,000<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21ea w11e h96\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21ea w119 h96\"><div class=\"t m0 x8f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21ea w11f h96\"><div class=\"t m0 xf7 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21eb w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21eb wf8 h96\"><div class=\"t m0 xe2 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">872,682<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21eb w119 h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">3.73<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21eb w11d h96\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">694,909<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21eb wd4 h96\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">44,822<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21eb w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">129,975<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21eb w119 h96\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">433<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21eb w11f h96\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2,543 </div></td></tr><tr><td class=\"c x3ac y21ec w118 h96\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial assets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21ec wf8 h96\"><div class=\"t m0 x9c h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,273,286<span class=\"ffb\"> </span></div></td><td></td><td class=\"c x3ba y21ec w11d h96\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">889,631<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21ec wd4 h96\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">52,046<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21ec w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">262,145<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21ec w119 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">59,313<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21ec w11f h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">10,151 </div></td></tr><tr><td class=\"c x3ac y21ed w118 h94\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws9e\">Financial liabil<span class=\"_ _1\"></span>ities<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3ac y21ee w118 hf2\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21ee wf8 hf2\"><div class=\"t m0 xcb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">438<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21ee w119 hf2\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">0.15<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21ee w11d hf2\"><div class=\"t m0 xe6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">410<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21ee wd4 hf2\"><div class=\"t m0 x6b h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21ee w11e hf2\"><div class=\"t m0 xce h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21ee w119 hf2\"><div class=\"t m0 x8f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21ee w11f hf2\"><div class=\"t m0 x8f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">28 </div></td></tr><tr><td class=\"c x3ac y21ef w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21ef wf8 h96\"><div class=\"t m0 x9c h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,120,006<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21ef w119 h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1.29<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21ef w11d h96\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">515,217<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21ef wd4 h96\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">66,702<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21ef w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">275,996<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21ef w119 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">49,231<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21ef w11f h96\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">212,860 </div></td></tr><tr><td class=\"c x3ac y21f0 w118 h97\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial liabiliti<span class=\"_ _1\"></span>es <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21f0 wf8 h97\"><div class=\"t m0 x9c h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">1,120,444<span class=\"ffb\"> </span></div></td><td></td><td class=\"c x3ba y21f0 w11d h97\"><div class=\"t m0 x35 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">515,627<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21f0 wd4 h97\"><div class=\"t m0 x113 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">66,702<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21f0 w11e h97\"><div class=\"t m0 x22 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">275,996<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21f0 w119 h97\"><div class=\"t m0 xe5 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">49,231<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21f0 w11f h97\"><div class=\"t m0 x26 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">212,888 </div></td></tr><tr><td class=\"c x3ac y21f1 w118 h97\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls2a ws99\">Interest repricin<span class=\"_ _1\"></span>g gap<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x3ba y21f1 w11d h97\"><div class=\"t m0 x35 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">374,004<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21f1 wd4 h97\"><div class=\"t m0 x90 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">(14,656)<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21f1 w11e h97\"><div class=\"t m0 xe5 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">(13,851)<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21f1 w119 h97\"><div class=\"t m0 xe5 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">10,082<span class=\"ffb\"> </span></div></td><td></td></tr><tr><td class=\"c x3ac y21f2 w118 h96\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls6a ws142\">Cumulative<span class=\"_ _0\"></span> gap<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x3ba y21f2 w11d h96\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">374,004<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21f2 wd4 h96\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">359,348<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21f2 w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">345,497<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21f2 w119 h96\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">355,579<span class=\"ffb\"> </span></div></td><td></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs5af\">2.4.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls5 ws6\">Int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>te profi<span class=\"_ _1\"></span>le</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws73 gs5b0\">At th<span class=\"_ _1\"></span>e end of t<span class=\"_ _1\"></span>he repor<span class=\"_ _1\"></span>ting perio<span class=\"_ _1\"></span>ds t<span class=\"_ _1\"></span>he inter<span class=\"_ _1\"></span>est rat<span class=\"_ _1\"></span>e profile of t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s i<span class=\"_ _1\"></span>nterest<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws65\">bearing fina<span class=\"_ _1\"></span>ncial </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs5b1\">inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s was:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w230 h1e3\" id=\"_54bf1e3b-cd24-4211-91b4-bbdfa11ca827\"><tr><td class=\"c x3c7 y21f3 w125 h96\"><div class=\"t m0 x6d h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3c8 y21f3 wa3 h96\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">              <span class=\"ls27 ws97\">Fixed rat<span class=\"_ _1\"></span>e</span><span class=\"ffa ws1\"> </span></div></td><td></td><td class=\"c x3c9 y21f3 w126 h96\"><div class=\"t m0 xe9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                  Variable rate<span class=\"ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3c8 y21f4 w60 h97\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21f4 w127 h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21f4 wa6 h97\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x3cb y21f4 w51 h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x3c8 y21f5 w60 h96\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3ca y21f5 w127 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3c9 y21f5 wa6 h96\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3cb y21f5 w51 h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x3c7 y21f6 w125 h96\"><div class=\"t m0 x6d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Interest-<span class=\"ws9b\">bearing assets</span><span class=\"ffa\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3c7 y21f7 w125 h97\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Balanc<span class=\"_ _1\"></span>es with Ce<span class=\"_ _1\"></span>ntral Bank<span class=\"_ _1\"></span> of Ma<span class=\"_ _1\"></span>lta and tr<span class=\"_ _1\"></span>easury <span class=\"_ _1\"></span>bills<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y21f7 w60 h97\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">166,130<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21f7 w127 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">138,320<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21f7 wa6 h97\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">8,792<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21f7 w51 h97\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">8,552 </div></td></tr><tr><td class=\"c x3c7 y21f8 w125 h96\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments <span class=\"ls6a ws1\">meas<span class=\"_ _1\"></span>ured at<span class=\"_ _0\"></span>:</span><span class=\"ls6a ws1\"><span class=\"ffb ls1\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3c7 y21f9 w125 h97\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls27 ws98\">FVOC<span class=\"_ _1\"></span>I</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3c8 y21f9 w60 h97\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21f9 w127 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21f9 wa6 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21f9 w51 h97\"><div class=\"t m0 xea h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3c7 y21fa w125 h96\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Amortised co<span class=\"_ _1\"></span>st</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3c8 y21fa w60 h96\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21fa w127 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21fa wa6 h96\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21fa w51 h96\"><div class=\"t m0 xea h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3c7 y21fb w125 h95\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y21fb w60 h95\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">41,429<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21fb w127 h95\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,243<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21fb wa6 h95\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">20,994<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21fb w51 h95\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">18,946 </div></td></tr><tr><td class=\"c x3c7 y21fc w125 h94\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y21fc w60 h94\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">183,705<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21fc w127 h94\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">185,170<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21fc wa6 h94\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">743,646<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21fc w51 h94\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">684,969 </div></td></tr><tr><td></td><td class=\"c x3c8 y21fd w60 h97\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">596,119<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21fd w127 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">550,668<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21fd wa6 h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">773,432<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21fd w51 h97\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">712,467 </div></td></tr><tr><td class=\"c x3c7 y21fe w125 h95\"><div class=\"t m0 x6d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Interest-<span class=\"ls27 ws97\">bear<span class=\"_ _1\"></span>ing liabil<span class=\"_ _1\"></span>ities</span><span class=\"ls27 ws97\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3c7 y21ff w125 h94\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y21ff w60 h94\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">23<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21ff w127 h94\"><div class=\"t m0 xea h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21ff wa6 h94\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">313<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21ff w51 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">410 </div></td></tr><tr><td class=\"c x3c7 y2200 w125 h95\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y2200 w60 h95\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">550,973<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y2200 w127 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">484,266<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y2200 wa6 h95\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">446,426<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y2200 w51 h95\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">422,880 </div></td></tr><tr><td></td><td class=\"c x3c8 y2201 w60 h97\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">550,996<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y2201 w127 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">484,266<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y2201 wa6 h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">446,739<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y2201 w51 h97\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">423,290 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs5b4\">2.4.3<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Fair valu<span class=\"_ _1\"></span>e sensitiv<span class=\"_ _1\"></span>ity analysis<span class=\"_ _1\"></span> for fixed rate instrument<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs5b5\">The G<span class=\"_ _0\"></span>roup\u2019s instrum<span class=\"_ _0\"></span>ents ex<span class=\"_ _0\"></span>posing the<span class=\"_ _0\"></span> Bank to fa<span class=\"_ _0\"></span>ir value<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st rate<span class=\"_ _0\"></span> risk consist of<span class=\"_ _0\"></span> quote<span class=\"_ _0\"></span>d debt se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>es </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs5b6\">measu<span class=\"_ _1\"></span>red at FV<span class=\"_ _1\"></span>OCI (als<span class=\"_ _1\"></span>o refer<span class=\"_ _1\"></span> to no<span class=\"_ _1\"></span>te 6) since t<span class=\"_ _1\"></span>hese ar<span class=\"_ _1\"></span>e fair va<span class=\"_ _1\"></span>lued wit<span class=\"_ _1\"></span>h fair v<span class=\"_ _1\"></span>alue ch<span class=\"_ _1\"></span>anges reco<span class=\"_ _1\"></span>gnis<span class=\"_ _1\"></span>ed in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs5b7\">other<span class=\"_ _1\"></span> compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income.<span class=\"_ _1\"></span> In t<span class=\"_ _1\"></span>his resp<span class=\"_ _1\"></span><span class=\"ls6 ws23\">ect, the fair value sensit<span class=\"_ _1\"></span>ivity <span class=\"ls7 ws4e\">analysis </span></span>for fi<span class=\"_ _1\"></span>xed rate in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs5b8\">is per<span class=\"_ _1\"></span>formed in<span class=\"_ _1\"></span> respec<span class=\"_ _1\"></span>t of debt fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>s measur<span class=\"_ _1\"></span>ed at FVO<span class=\"_ _1\"></span>CI. An in<span class=\"_ _1\"></span>creas<span class=\"_ _1\"></span>e of 200 basi<span class=\"_ _1\"></span>s poin<span class=\"_ _1\"></span>ts </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs5b9\">in the yie<span class=\"_ _0\"></span>ld to ma<span class=\"_ _0\"></span>turity of<span class=\"_ _0\"></span> each respe<span class=\"_ _0\"></span>ctive de<span class=\"_ _0\"></span>bt secur<span class=\"_ _0\"></span>ity would le<span class=\"_ _0\"></span>ad to a dec<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> <span class=\"ls6 ws12\">in value o<span class=\"_ _1\"></span>f debt financial </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs5ba\">inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red at F<span class=\"_ _1\"></span>VO<span class=\"_ _1\"></span>CI amou<span class=\"_ _1\"></span>nting<span class=\"_ _1\"></span> to \u20ac<span class=\"ls6 ws8\">14.1<span class=\"ls1 ws1\"> </span><span class=\"ws1d\">million<span class=\"_ _1\"></span> (202<span class=\"ls1 ws1\">4<span class=\"lsd ws143\">: \u20ac1</span>3.9 </span><span class=\"ws52\">million). L<span class=\"_ _1\"></span>ikewise<span class=\"_ _1\"></span>, a decrease o<span class=\"_ _1\"></span>f </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws87 gs5bb\">200 basis<span class=\"_ _1\"></span> points in interest rates would<span class=\"_ _1\"></span> lead to an increase in va<span class=\"_ _1\"></span>lue of debt financial inves<span class=\"_ _1\"></span>tments </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsa1 gs5bc\">measured at FVO<span class=\"_ _0\"></span>CI amounting to \u20ac<span class=\"ls6 ws8\">15.5<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span><span class=\"ws37\">million<span class=\"_ _1\"></span> (202<span class=\"ls1 ws1\">4<span class=\"lsd ws144\">: \u20ac</span></span></span>15<span class=\"ls1 ws1\">.1 <span class=\"_ _15\"> </span></span><span class=\"ws37\">million)<span class=\"_ _1\"></span>. All other fina<span class=\"_ _1\"></span>ncial inst<span class=\"_ _1\"></span>ruments </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs5bd\">sub<span class=\"_ _1\"></span>ject to<span class=\"_ _1\"></span> fixed in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates a<span class=\"_ _1\"></span>re measur<span class=\"_ _1\"></span>ed at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed co<span class=\"_ _1\"></span>st.<span class=\"_ _bc\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs5bf\">2.4.4<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Cash flow s<span class=\"_ _1\"></span>ensitivity<span class=\"_ _1\"></span> analysis for var<span class=\"_ _1\"></span>iable rate inst<span class=\"_ _1\"></span>ruments<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs5c0\">At the e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> reporting peri<span class=\"_ _0\"></span>od, if i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st rates had i<span class=\"_ _0\"></span>ncreased/de<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ased by 250<span class=\"_ _0\"></span> basis points (ass<span class=\"_ _0\"></span>uming </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs5c1\">a parallel s<span class=\"_ _1\"></span>hift of 250 basis point<span class=\"_ _1\"></span>s in yields) with a<span class=\"_ _1\"></span>ll other variables held co<span class=\"_ _1\"></span>nstant, the pre<span class=\"ls1 ws1\">-<span class=\"lsa ws44\">tax result for the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs5c2\">year wo<span class=\"_ _0\"></span>uld change<span class=\"_ _0\"></span> by t<span class=\"_ _0\"></span>he fo<span class=\"_ _0\"></span>llowi<span class=\"_ _0\"></span>ng amounts de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ined b<span class=\"_ _0\"></span>y applyi<span class=\"_ _0\"></span>ng the<span class=\"_ _0\"></span> shift t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span> net va<span class=\"_ _0\"></span>riable<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs5c3\">exposure<span class=\"_ _0\"></span> of the G<span class=\"_ _0\"></span>roup/B<span class=\"_ _0\"></span>ank at the e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> report<span class=\"_ _0\"></span>ing periods:<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w231 h1e4\" id=\"_07a34cb0-e406-4e1a-8bbb-6ca086ea274c\"><tr><td class=\"c x2f8 y2202 w118 hd5\"><div class=\"t m0 xd h15 y3eb ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cc y2202 wbc hd5\"><div class=\"t m0 x26 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30e y2202 wa5 hd5\"><div class=\"t m0 x26 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3cc y2203 wbc hd5\"><div class=\"t m0 x35 h15 y94f ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30e y2203 wa5 hd5\"><div class=\"t m0 x35 h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y2204 w118 hd5\"><div class=\"t m0 xd h15 y94f ff3 fs1 fc0 sc0 ls6 ws7\">(+) 250 bp <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cc y2204 wbc hd5\"><div class=\"t m0 x35 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">8,167<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30e y2204 wa5 hd5\"><div class=\"t m0 x35 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">7,229<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y2205 w118 hd5\"><div class=\"t m0 xd h9 y94f ff3 fs1 fc0 sc0 ls1 ws1\">(-<span class=\"ls6 ws7\">) 250 bp</span><span class=\"ls6 ws7\"> </span><span class=\"ffb\"> </span></div></td><td class=\"c x3cc y2205 wbc hd5\"><div class=\"t m0 xcb h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">(8,167)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30e y2205 wa5 hd5\"><div class=\"t m0 xcb h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">(7,229)<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs5c6\">2.4.5<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"lsa ws44\">Currency risk</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs5c7\">The Grou<span class=\"_ _1\"></span>p tak<span class=\"_ _1\"></span>es on ex<span class=\"_ _1\"></span>posu<span class=\"_ _1\"></span>re to the effect<span class=\"_ _1\"></span>s of flu<span class=\"_ _1\"></span>ctuat<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> in the p<span class=\"_ _1\"></span>revai<span class=\"_ _1\"></span>ling for<span class=\"_ _1\"></span>eign cur<span class=\"_ _1\"></span>rency ex<span class=\"_ _1\"></span>chang<span class=\"_ _1\"></span>e rates<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs5c8\">on its fin<span class=\"_ _1\"></span>ancial positio<span class=\"_ _1\"></span>n and cash flows pa<span class=\"_ _1\"></span>rticularly within the Ban<span class=\"_ _1\"></span>k\u2019s operation<span class=\"_ _1\"></span>s. Foreign exchan<span class=\"_ _1\"></span>ge risk to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs5c9\">the Bank i<span class=\"_ _0\"></span>s the risk t<span class=\"_ _0\"></span>hat earni<span class=\"_ _0\"></span>ngs and<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">values flu<span class=\"_ _1\"></span>ctuat<span class=\"_ _1\"></span>e as a resu<span class=\"_ _1\"></span>lt of ch<span class=\"_ _1\"></span>anges<span class=\"_ _1\"></span> in foreig<span class=\"_ _1\"></span>n exc<span class=\"_ _1\"></span>han<span class=\"_ _1\"></span>ge rates<span class=\"_ _1\"></span>. The </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs5ca\">Bank\u2019s fo<span class=\"_ _1\"></span>reign exchange risk<span class=\"_ _1\"></span> arises when fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>ets or liabilities are denomin<span class=\"_ _1\"></span>ated in curren<span class=\"_ _1\"></span>cies which </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs5cb\">are dif<span class=\"_ _0\"></span>ferent<span class=\"_ _0\"></span> from the B<span class=\"_ _0\"></span>ank\u2019s func<span class=\"_ _0\"></span>tional cur<span class=\"_ _0\"></span>rency.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs5cc\">The B<span class=\"_ _0\"></span>ank essenti<span class=\"_ _0\"></span>ally ma<span class=\"_ _0\"></span>nages this risk by e<span class=\"_ _0\"></span>nsuring<span class=\"_ _0\"></span> that for<span class=\"_ _0\"></span>eign c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>y liabili<span class=\"_ _0\"></span>ties ar<span class=\"_ _0\"></span>e utili<span class=\"_ _0\"></span>sed to fund assets<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs5cd\">denomina<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> same foreign c<span class=\"_ _0\"></span>urrency the<span class=\"_ _0\"></span>reby matching asse<span class=\"_ _0\"></span>t and liabi<span class=\"_ _0\"></span>lity positi<span class=\"_ _11\"></span>ons as much as is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs5ce\">practicab<span class=\"_ _1\"></span>le.  This mech<span class=\"_ _1\"></span>anism is refl<span class=\"_ _1\"></span>ected<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws33\">in the figures repor<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> tables be<span class=\"_ _0\"></span>low which pre<span class=\"_ _0\"></span>sent this </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs5cf\">matching pro<span class=\"_ _1\"></span>cess. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs5d0\">The B<span class=\"_ _0\"></span>ank mainta<span class=\"_ _0\"></span>ins its exposu<span class=\"_ _0\"></span>re t<span class=\"_ _0\"></span>o fore<span class=\"_ _0\"></span>ign curr<span class=\"_ _0\"></span>encies w<span class=\"_ _0\"></span>ithin pre<span class=\"_ _0\"></span>scribe<span class=\"_ _0\"></span>d limi<span class=\"_ _0\"></span>ts set by the B<span class=\"_ _0\"></span>ank\u2019s ALC<span class=\"_ _0\"></span>O.  ALC<span class=\"_ _0\"></span>O </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs5d1\">sets lim<span class=\"_ _0\"></span>its on the l<span class=\"_ _0\"></span>evel o<span class=\"_ _0\"></span>f exposure by c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>y and in agg<span class=\"_ _0\"></span>regate<span class=\"_ _0\"></span> for bo<span class=\"_ _0\"></span>th overnig<span class=\"_ _0\"></span>ht and int<span class=\"_ _0\"></span>ra<span class=\"ls1 ws1\">-</span>day positi<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs5d2\">which are m<span class=\"_ _0\"></span>onitored on a real<span class=\"ls1\">-<span class=\"ls5 ws6\">time bas<span class=\"_ _1\"></span><span class=\"ls6 ws8\">is.</span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws73 gs5d3\">The Ban<span class=\"_ _1\"></span>k enters<span class=\"_ _1\"></span> into<span class=\"_ _1\"></span> forward<span class=\"_ _1\"></span> foreign ex<span class=\"_ _1\"></span>chang<span class=\"_ _1\"></span>e contr<span class=\"_ _1\"></span>acts wit<span class=\"_ _1\"></span>h cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span> in the no<span class=\"_ _1\"></span>rmal cours<span class=\"_ _1\"></span>e of its<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs5d4\">busin<span class=\"_ _1\"></span>ess. Generally, it<span class=\"_ _1\"></span> is the Ba<span class=\"_ _1\"></span>nk\u2019s po<span class=\"_ _1\"></span>licy to cover th<span class=\"_ _1\"></span>e exposure aris<span class=\"_ _1\"></span>ing from forward<span class=\"_ _1\"></span> contra<span class=\"_ _1\"></span>cts. As a res<span class=\"_ _1\"></span>ult, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs5d5\">the Gr<span class=\"_ _0\"></span>oup would not <span class=\"ws16\">be <span class=\"_ _10\"> </span><span class=\"ls6 ws10\">expos<span class=\"_ _1\"></span>ed to any s<span class=\"_ _1\"></span>ignificant excha<span class=\"_ _1\"></span>nge risk<span class=\"_ _1\"></span> in respect<span class=\"_ _1\"></span> of outsta<span class=\"_ _1\"></span>nding deriv<span class=\"_ _1\"></span>ative </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs5d6\">financial instrume<span class=\"_ _0\"></span>nts. The Bank also retains a deposit margin cove<span class=\"_ _0\"></span>ring a portion of the notional amount of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs5d7\">the res<span class=\"_ _1\"></span>pectiv<span class=\"_ _1\"></span>e contr<span class=\"_ _1\"></span>act fro<span class=\"_ _1\"></span>m the cu<span class=\"_ _1\"></span>sto<span class=\"_ _1\"></span>mer thereb<span class=\"_ _1\"></span>y redu<span class=\"_ _1\"></span>cing th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> o<span class=\"ls6 ws23\">f credit risk s<span class=\"_ _1\"></span>hould t</span>he d<span class=\"_ _1\"></span>erivat<span class=\"_ _1\"></span>ive </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs5d8\">clie<span class=\"_ _0\"></span>nt default. T<span class=\"_ _0\"></span>he Bank did not have any o<span class=\"_ _0\"></span>utstanding<span class=\"_ _0\"></span> derivat<span class=\"_ _0\"></span>ive fi<span class=\"_ _0\"></span>nancial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nts as at 31 Decembe<span class=\"_ _0\"></span>r </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs5d9\">202<span class=\"ls1 ws1\">5 </span><span class=\"ws7\">and 202<span class=\"ls1 ws1\">4.<span class=\"_ _bc\"> </span></span></span><span class=\"ws7\"><span class=\"ls1 ws1\"><span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs5db\">The f<span class=\"_ _0\"></span>ollowing t<span class=\"_ _0\"></span>ables summ<span class=\"_ _0\"></span>arise<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019s ex<span class=\"_ _0\"></span>posures<span class=\"_ _0\"></span> to f<span class=\"_ _0\"></span>oreig<span class=\"_ _0\"></span>n curre<span class=\"_ _0\"></span>ncy risk. I<span class=\"_ _0\"></span>ncluded<span class=\"_ _0\"></span> in t<span class=\"_ _0\"></span>he table<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws124 gs5dc\">the Gr<span class=\"_ _0\"></span>oup\u2019s financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>hich are subje<span class=\"_ _0\"></span>ct to fore<span class=\"_ _0\"></span>ign exchange r<span class=\"_ _0\"></span>isk at carrying<span class=\"_ _0\"></span> amounts, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs4f\">categ<span class=\"_ _0\"></span>orised by c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>y.<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w232 h1e5\" id=\"_947041cd-deed-45c7-b0e8-cca933f0f396\"><tr><td class=\"c x2f8 y2206 w12a h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cd y2206 w12b h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2206 we6 h96\"><div class=\"t m0 x22 h35 y3eb ffd fs8 fc0 sc0 ls6a ws10c\">EUR<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x338 y2206 we6 h96\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">GBP<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2206 w12c h96\"><div class=\"t m0 x90 h35 y3eb ffd fs8 fc0 sc0 ls27 ws98\">USD<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30c y2206 w12d h96\"><div class=\"t m0 xe1 h29 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">Other<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3cd y2207 w12b h96\"><div class=\"t m0 xcb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3ce y2207 we6 h96\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x338 y2207 we6 h96\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3cf y2207 w12c h96\"><div class=\"t m0 xe1 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30c y2207 w12d h96\"><div class=\"t m0 x34 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y2208 w12a h97\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y2209 w12a h97\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x270 y220b w1cb h1e6\"><div class=\"t m0 x26e h25 y220a ff1 fs8 fc0 sc0 ls2a ws99\">Balances with Central B<span class=\"_ _1\"></span>ank of Malta,<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls29 ws98\">treasury <span class=\"_ _1\"></span>bills and c<span class=\"_ _1\"></span>ash<span class=\"_ _bc\"> </span></div></td><td class=\"c x3cd y220c w12b h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">182,564<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y220c we6 h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">182,039<span class=\"ffa\"> </span></div></td><td class=\"c x338 y220c we6 h97\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">179<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y220c w12c h97\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">316<span class=\"ffa\"> </span></div></td><td class=\"c x30c y220c w12d h97\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">30 </div></td></tr><tr><td class=\"c x2f8 y220d w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial i<span class=\"ls29 ws9a\">nve<span class=\"_ _1\"></span>stments<span class=\"ls1 ws1\"> <span class=\"ls6a\">measured <span class=\"_ _1\"></span>at FVOCI</span></span></span><span class=\"ls29 ws9a\"><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x3cd y220d w12b h96\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">179,246<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y220d we6 h96\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">173,240<span class=\"ffa\"> </span></div></td><td class=\"c x338 y220d we6 h96\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,796<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y220d w12c h96\"><div class=\"t m0 x34 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,210<span class=\"ffa\"> </span></div></td><td class=\"c x30c y220d w12d h96\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y220e w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial i<span class=\"ls29 ws9a\">nve<span class=\"_ _1\"></span>stments<span class=\"ls1 ws1\"> <span class=\"ls6a ws142\">measured at </span></span><span class=\"ls4\">amorti<span class=\"_ _1\"></span>sed cost</span></span><span class=\"ls29 ws9a\"><span class=\"ls4\"><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x3cd y220e w12b h97\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y220e we6 h97\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">23,832<span class=\"ffa\"> </span></div></td><td class=\"c x338 y220e we6 h97\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,393<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y220e w12c h97\"><div class=\"t m0 x34 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,665<span class=\"ffa\"> </span></div></td><td class=\"c x30c y220e w12d h97\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y220f w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y220f w12b h96\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">62,423<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y220f we6 h96\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">22,711<span class=\"ffa\"> </span></div></td><td class=\"c x338 y220f we6 h96\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,839<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y220f w12c h96\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">31,998<span class=\"ffa\"> </span></div></td><td class=\"c x30c y220f w12d h96\"><div class=\"t m0 xdb h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,875 </div></td></tr><tr><td class=\"c x2f8 y2210 w12a h95\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2210 w12b h95\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">929,111<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2210 we6 h95\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">925,064<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2210 we6 h95\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,156<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2210 w12c h95\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">891<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2210 w12d h95\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2211 w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Other ass<span class=\"_ _1\"></span>ets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2211 w12b h94\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">19,134<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2211 we6 h94\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">17,680<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2211 we6 h94\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">167<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2211 w12c h94\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">940<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2211 w12d h94\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">347 </div></td></tr><tr><td class=\"c x2f8 y2212 w12a h113\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l asse<span class=\"_ _1\"></span>ts<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cd y2212 w12b h113\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,406,368<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2212 we6 h113\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,344,566<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2212 we6 h113\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,530<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2212 w12c h113\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">44,020<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2212 w12d h113\"><div class=\"t m0 xdb h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,252 </div></td></tr><tr><td class=\"c x2f8 y2213 w12a h97\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l liab<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y2214 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2214 w12b h96\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">345<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2214 we6 h96\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">345<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2214 we6 h96\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2214 w12c h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2214 w12d h96\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2215 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2215 w12b h97\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,207,256<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2215 we6 h97\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,147,688<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2215 we6 h97\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,367<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2215 w12c h97\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">42,612<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2215 w12d h97\"><div class=\"t m0 xdb h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,589 </div></td></tr><tr><td class=\"c x2f8 y2216 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Other liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2216 w12b h96\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">48,400<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2216 we6 h96\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">46,117<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2216 we6 h96\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">302<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2216 w12c h96\"><div class=\"t m0 x34 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,482<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2216 w12d h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">499 </div></td></tr><tr><td class=\"c x2f8 y2217 w12a h94\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l liabi<span class=\"_ _1\"></span>litie<span class=\"_ _1\"></span>s<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cd y2217 w12b h94\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,256,001<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2217 we6 h94\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,194,150<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2217 we6 h94\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,669<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2217 w12c h94\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">44,094<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2217 w12d h94\"><div class=\"t m0 xdb h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,088 </div></td></tr><tr><td class=\"c x2f8 y2218 w12a h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls29 ws98\">Net curr<span class=\"_ _1\"></span>ency posit<span class=\"_ _1\"></span>ion<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ce y2218 we6 h96\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">150,416<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2218 we6 h96\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">39</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x3cf y2218 w12c h96\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(74)<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2218 w12d h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">164 </div></td></tr><tr><td class=\"c x2f8 y2219 w12a h96\"><div class=\"t m0 xd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Commitments and contingent liabilities<span class=\"_ _bc\"> </span></div></td><td class=\"c x3cd y2219 w12b h96\"><div class=\"t m0 xdf h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">377,704</div></td><td class=\"c x3ce y2219 we6 h96\"><div class=\"t m0 xdf h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">377,704<span class=\"_ _bc\"> </span></div></td><td class=\"c x338 y2219 we6 h96\"><div class=\"t m0 x69 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x3cf y2219 w12c h96\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x30c y2219 w12d h96\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w232 h1e7\" id=\"_b02f7767-58a6-4a5a-bd2f-1772e21eec4e\"><tr><td class=\"c x2f8 y221a w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Group<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y221a w12b h94\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ce y221a we6 h94\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">EUR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x338 y221a we6 h94\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">GBP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cf y221a w12c h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls27 ws98\">USD<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30c y221a w12d h94\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Other<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3cd y221b w12b h95\"><div class=\"t m0 xcb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3ce y221b we6 h95\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x338 y221b we6 h95\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3cf y221b w12c h95\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x30c y221b w12d h95\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y221c w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 2024<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y221d w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x270 y221f w1cb h1e8\"><div class=\"t m0 x26e h25 y221e ff1 fs8 fc0 sc0 ls2a ws99\">Balances with Central B<span class=\"_ _1\"></span>ank of Malta,<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls29 ws98\">treasury <span class=\"_ _1\"></span>bills and c<span class=\"_ _1\"></span>ash<span class=\"_ _bc\"> </span></div></td><td class=\"c x3cd y2220 w12b h96\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">154,480<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2220 we6 h96\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">132,038<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2220 we6 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">202<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2220 w12c h96\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">22,210<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2220 w12d h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">30 </div></td></tr><tr><td class=\"c x2f8 y2221 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Financial investme<span class=\"_ _0\"></span>nts measured at FVOCI <span class=\"ffb ls1\"> </span></div></td><td class=\"c x3cd y2221 w12b h97\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">187,003<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2221 we6 h97\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">177,187<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2221 we6 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,024<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2221 w12c h97\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,792<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2221 w12d h97\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2222 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Financial investme<span class=\"_ _0\"></span>nts measured at amortised cost<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3cd y2222 w12b h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2222 we6 h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">13,627<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2222 we6 h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2222 w12c h96\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,480<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2222 w12d h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2223 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2223 w12b h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">46,189<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2223 we6 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9,346<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2223 we6 h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">18,888<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2223 w12c h97\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,987<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2223 w12d h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,968 </div></td></tr><tr><td class=\"c x2f8 y2224 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2224 w12b h96\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">872,682<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2224 we6 h96\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">868,368<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2224 we6 h96\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,727<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2224 w12c h96\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">587<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2224 w12d h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2225 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Other ass<span class=\"_ _1\"></span>ets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2225 w12b h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">16,074<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2225 we6 h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,591<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2225 we6 h97\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">380<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2225 w12c h97\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,252<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2225 w12d h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">851 </div></td></tr><tr><td class=\"c x2f8 y2226 w12a hd4\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial assets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2226 w12b hd4\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,297,535<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2226 we6 hd4\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,213,157<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2226 we6 hd4\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,221<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2226 w12c hd4\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">54,308<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2226 w12d hd4\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,849 </div></td></tr><tr><td class=\"c x2f8 y2227 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial liabil<span class=\"_ _1\"></span>ities<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y2228 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2228 w12b h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">438<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2228 we6 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">424<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2228 we6 h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2228 w12c h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2228 w12d h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">14 </div></td></tr><tr><td class=\"c x2f8 y2229 w12a h95\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2229 w12b h95\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,120,006<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2229 we6 h95\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,039,443<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2229 we6 h95\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,058<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2229 w12c h95\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,553<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2229 w12d h95\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,952 </div></td></tr><tr><td class=\"c x2f8 y222a w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Other liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y222a w12b h94\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">41,600<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y222a we6 h94\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">39,623<span class=\"ffb\"> </span></div></td><td class=\"c x338 y222a we6 h94\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">273<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y222a w12c h94\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,234<span class=\"ffb\"> </span></div></td><td class=\"c x30c y222a w12d h94\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">470 </div></td></tr><tr><td class=\"c x2f8 y222b w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y222b w12b h96\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,162,044<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y222b we6 h96\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,079,490<span class=\"ffb\"> </span></div></td><td class=\"c x338 y222b we6 h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,331<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y222b w12c h96\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">52,787<span class=\"ffb\"> </span></div></td><td class=\"c x30c y222b w12d h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,436 </div></td></tr><tr><td class=\"c x2f8 y222c w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Net curr<span class=\"_ _1\"></span>ency positi<span class=\"_ _1\"></span>on<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ce y222c we6 h97\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">133,667<span class=\"ffb\"> </span></div></td><td class=\"c x338 y222c we6 h97\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">       <span class=\"ws1\">(110)<span class=\"ffb\"> </span></span></div></td><td class=\"c x3cf y222c w12c h97\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,521<span class=\"ffb\"> </span></div></td><td class=\"c x30c y222c w12d h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">413 </div></td></tr><tr><td class=\"c x2f8 y222d w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Commitments an<span class=\"_ _1\"></span>d contingent lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y222d w12b h94\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">311,392<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y222d we6 h94\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">310,859<span class=\"ffb\"> </span></div></td><td class=\"c x338 y222d we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y222d w12c h94\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">530<span class=\"ffb\"> </span></div></td><td class=\"c x30c y222d w12d h94\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs5e0\">Under the<span class=\"_ _0\"></span> scenario t<span class=\"_ _0\"></span>hat the euro appr<span class=\"_ _0\"></span>eciat<span class=\"_ _0\"></span>es by 20% against all c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>ies the effe<span class=\"_ _0\"></span>ct would re<span class=\"_ _0\"></span>sult in a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs5e1\">decrease of \u20ac10,<span class=\"_ _1\"></span>000 (2024: <span class=\"_ _1\"></span>\u20ac365,000<span class=\"_ _1\"></span>) in the carryin<span class=\"_ _1\"></span>g amoun<span class=\"_ _1\"></span>t of financial in<span class=\"_ _1\"></span>struments wit<span class=\"_ _1\"></span>h the advers<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs5e2\">impact recognis<span class=\"_ _1\"></span>ed in profit or los<span class=\"_ _1\"></span>s. Should the eu<span class=\"ls5 ws1e\">ro dep<span class=\"_ _1\"></span>reciat<span class=\"_ _1\"></span>e agains<span class=\"_ _1\"></span>t all cur<span class=\"_ _1\"></span>rencies<span class=\"_ _1\"></span> by 20%, th<span class=\"_ _1\"></span>e effect </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs5e3\">would resu<span class=\"_ _1\"></span>lt in a gain o<span class=\"_ _1\"></span>f \u20ac10,000 (2024: \u20ac<span class=\"_ _1\"></span>365,000) in th<span class=\"_ _1\"></span>e carryin<span class=\"_ _1\"></span>g amount of finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments and<span class=\"_ _1\"></span> the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs5e4\">favourab<span class=\"_ _1\"></span>le impact would b<span class=\"_ _1\"></span>e recognised<span class=\"_ _1\"></span> in profit or lo<span class=\"_ _1\"></span>ss.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs5e6\">2.4.6<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Equi<span class=\"_ _1\"></span>ty price risk<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs5e7\"> <span class=\"_ _24\"> </span><span class=\"ls8 ws3a\">The expo<span class=\"_ _0\"></span>sure of t<span class=\"_ _0\"></span>he Group t<span class=\"_ _11\"></span>o this risk is<span class=\"_ _0\"></span> not si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant in<span class=\"_ _0\"></span> view<span class=\"_ _0\"></span> of the e<span class=\"_ _0\"></span>xtent<span class=\"_ _0\"></span> of t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up\u2019s holdi<span class=\"_ _0\"></span>ngs of<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs5e8\">equity inve<span class=\"_ _0\"></span>stment<span class=\"_ _0\"></span>s designate<span class=\"_ _11\"></span>d at FVOCI (re<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>r to note 6<span class=\"_ _0\"></span>) which ar<span class=\"_ _0\"></span>e not dee<span class=\"_ _0\"></span>med si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant in the co<span class=\"_ _0\"></span>ntext<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs5e9\">of the Gr<span class=\"_ _1\"></span>oup\u2019<span class=\"_ _1\"></span>s stat<span class=\"_ _1\"></span>ement of fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l pos<span class=\"_ _1\"></span>it<span class=\"ls8 ws36\">ion. These<span class=\"_ _0\"></span> inve<span class=\"_ _0\"></span>stments ar<span class=\"_ _0\"></span>e princ<span class=\"_ _0\"></span>ipally l<span class=\"_ _0\"></span>ocall<span class=\"_ _0\"></span>y quoted e<span class=\"_ _0\"></span>quity </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws55 gs5ea\">instru<span class=\"_ _1\"></span>ments issu<span class=\"_ _1\"></span>ed by local well<span class=\"ls1 ws1\">-<span class=\"ls5 ws68\">known<span class=\"_ _1\"></span> corpo<span class=\"_ _1\"></span>rates<span class=\"_ _1\"></span>. Freq<span class=\"_ _1\"></span>uent ma<span class=\"_ _1\"></span>nagem<span class=\"_ _1\"></span>ent rev<span class=\"_ _1\"></span>iews a<span class=\"_ _1\"></span>re carried<span class=\"_ _1\"></span> out t<span class=\"_ _1\"></span>o </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs5eb\">ensure c<span class=\"_ _0\"></span>ontinued hi<span class=\"_ _0\"></span>gh quality<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> portfol<span class=\"_ _0\"></span>io.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs5ec\">2.5 <span class=\"ls1 ws1\"> <span class=\"_ _51\"> </span></span><span class=\"ws7\">L<span class=\"_ _1\"></span>iquidity r<span class=\"_ _1\"></span>isk<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs5ed\">Liquidity r<span class=\"_ _0\"></span>isk is de<span class=\"_ _0\"></span>fine<span class=\"_ _0\"></span>d as the <span class=\"_ _0\"></span>risk of l<span class=\"_ _0\"></span>osses due<span class=\"_ _0\"></span> to:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs5ee\">- <span class=\"_ _3c\"> </span><span class=\"ls8 wsa\">the Group\u2019s funding<span class=\"_ _0\"></span> costs i<span class=\"_ _0\"></span>ncreasi<span class=\"_ _0\"></span>ng disproport<span class=\"_ _0\"></span>ionatel<span class=\"_ _0\"></span>y;<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs5ef\">- <span class=\"_ _3c\"> </span><span class=\"ls8 wsa\">lack of funding pr<span class=\"_ _0\"></span>eventi<span class=\"_ _0\"></span>ng the G<span class=\"_ _0\"></span>roup fro<span class=\"_ _0\"></span>m establ<span class=\"_ _0\"></span>ishing ne<span class=\"_ _0\"></span>w business; an<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs5f0\">- <span class=\"_ _3c\"> </span><span class=\"ls6 ws7\">la<span class=\"_ _1\"></span>ck of funding wh<span class=\"_ _1\"></span>ich will ulti<span class=\"_ _1\"></span>mately prevent th<span class=\"_ _1\"></span>e Group from me<span class=\"_ _1\"></span>eting its ob<span class=\"_ _1\"></span>ligations.</span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs5f1\">In relat<span class=\"_ _0\"></span>ion to the<span class=\"_ _0\"></span> Bank\u2019s o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>ations, liqui<span class=\"_ _11\"></span>dity risk is the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span> that the B<span class=\"_ _0\"></span>ank i<span class=\"_ _0\"></span>s unable<span class=\"_ _0\"></span> to m<span class=\"_ _0\"></span>eet i<span class=\"_ _0\"></span>ts obligat<span class=\"_ _0\"></span>ions </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs5f2\">when the<span class=\"_ _0\"></span>y fall due as a<span class=\"_ _0\"></span> result of cust<span class=\"_ _0\"></span>omer deposi<span class=\"_ _0\"></span>ts being w<span class=\"_ _0\"></span>ithdrawn, c<span class=\"_ _0\"></span>ash require<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts from contr<span class=\"_ _0\"></span>actual </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs5f3\">commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span>, or ot<span class=\"_ _1\"></span>her cash<span class=\"_ _1\"></span> outflows<span class=\"_ _1\"></span>. Th<span class=\"ls6 ws19\">e Group is<span class=\"_ _1\"></span> exposed to daily calls on its availa<span class=\"_ _1\"></span>ble cash resources </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws117 gs5f4\">from o<span class=\"_ _0\"></span>vernight<span class=\"_ _0\"></span> deposits, c<span class=\"_ _0\"></span>urre<span class=\"_ _0\"></span>nt and call<span class=\"_ _0\"></span> deposit<span class=\"_ _0\"></span>s, ma<span class=\"_ _0\"></span>turing t<span class=\"_ _0\"></span>erm de<span class=\"_ _0\"></span>posits, loan<span class=\"_ _0\"></span> dr<span class=\"_ _0\"></span>aw<span class=\"ls1 ws1\">-</span>dow<span class=\"_ _0\"></span>ns and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2f gs5f5\">guara<span class=\"_ _1\"></span>ntees t<span class=\"_ _1\"></span>ogeth<span class=\"_ _1\"></span>er with ot<span class=\"_ _1\"></span>her rela<span class=\"_ _1\"></span>ted off<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws62\">balance<span class=\"_ _0\"></span> sheet instrum<span class=\"_ _0\"></span>ents. S<span class=\"_ _0\"></span>uch outf<span class=\"_ _0\"></span>lows w<span class=\"_ _0\"></span>ould depl<span class=\"_ _0\"></span><span class=\"ls5 ws7\">ete </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs5f6\">availab<span class=\"_ _1\"></span>le cash resources for client lend<span class=\"_ _1\"></span>ing and inves<span class=\"_ _1\"></span>tments. In extreme circumstan<span class=\"_ _1\"></span>ces, lack of liquid<span class=\"_ _1\"></span>ity could </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs5f7\">result in s<span class=\"_ _1\"></span>ales of ass<span class=\"_ _1\"></span>ets, or potentially a<span class=\"_ _1\"></span>n inabilit<span class=\"_ _1\"></span>y to fulfil lendin<span class=\"_ _1\"></span>g commitment<span class=\"_ _1\"></span>s. The risk th<span class=\"_ _1\"></span>at the Group </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs5f8\">will be unabl<span class=\"_ _1\"></span>e to do so is<span class=\"_ _1\"></span> inhe<span class=\"ls8 ws3c\">rent i<span class=\"_ _0\"></span>n all banking<span class=\"_ _0\"></span> operati<span class=\"_ _0\"></span>ons and can be<span class=\"_ _0\"></span> aff<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d by a rang<span class=\"_ _0\"></span>e of<span class=\"_ _0\"></span> institution<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs5f9\">speci<span class=\"_ _1\"></span>fic and<span class=\"_ _1\"></span> market<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws17\">wide events i<span class=\"_ _0\"></span>ncluding,<span class=\"_ _0\"></span> but not li<span class=\"_ _0\"></span>mite<span class=\"_ _0\"></span>d to, cre<span class=\"_ _0\"></span>dit eve<span class=\"_ _0\"></span>nts, system<span class=\"_ _0\"></span>ic shocks and nat<span class=\"_ _0\"></span>ural </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws8b gs5fa\">disaste<span class=\"_ _0\"></span>rs.<span class=\"_ _bc\"> </span><span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs5fc\">The obje<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> Group\u2019s<span class=\"_ _0\"></span> li<span class=\"_ _0\"></span>quidity an<span class=\"_ _0\"></span>d fundi<span class=\"_ _0\"></span>ng manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt is to en<span class=\"_ _0\"></span>sure t<span class=\"_ _0\"></span>hat all<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>esee<span class=\"_ _0\"></span>able f<span class=\"_ _0\"></span>unding </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs5fd\">commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> and d<span class=\"_ _1\"></span>eposi<span class=\"_ _1\"></span>t withdra<span class=\"_ _1\"></span>wals ca<span class=\"_ _1\"></span>n be met when<span class=\"_ _1\"></span> due. It i<span class=\"_ _1\"></span>s the Ban<span class=\"_ _1\"></span>k\u2019s target t<span class=\"_ _1\"></span>o mainta<span class=\"_ _1\"></span>in a diver<span class=\"_ _1\"></span>sified </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs5fe\">and stable<span class=\"_ _0\"></span> funding<span class=\"_ _0\"></span> base w<span class=\"_ _0\"></span>ith <span class=\"_ _0\"></span>the obje<span class=\"_ _0\"></span>ctive of<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 ws17\">enabl<span class=\"_ _0\"></span>ing it to<span class=\"_ _0\"></span> re<span class=\"_ _0\"></span>spond quick<span class=\"_ _0\"></span>ly and<span class=\"_ _0\"></span> smoothl<span class=\"_ _0\"></span>y to <span class=\"_ _0\"></span>unfore<span class=\"_ _0\"></span>seen </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs5ff\">liquidity r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs600\">The G<span class=\"_ _0\"></span>roup manage<span class=\"_ _0\"></span>s this risk b<span class=\"_ _0\"></span>y ensuring<span class=\"_ _0\"></span> that it<span class=\"_ _0\"></span>s assets and l<span class=\"_ _11\"></span>iabilities are<span class=\"_ _0\"></span> matche<span class=\"_ _0\"></span>d in term<span class=\"_ _0\"></span>s of matur<span class=\"_ _0\"></span>ities as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs601\">much as is <span class=\"_ _0\"></span>practi<span class=\"_ _0\"></span>cable.<span class=\"_ _0\"></span> However,<span class=\"_ _0\"></span> the Bank o<span class=\"_ _0\"></span>ught to<span class=\"_ _0\"></span> manag<span class=\"_ _0\"></span>e its ne<span class=\"_ _0\"></span>t inter<span class=\"_ _0\"></span>est spre<span class=\"_ _0\"></span>ad by in<span class=\"_ _0\"></span>vesting<span class=\"_ _0\"></span> funds i<span class=\"_ _0\"></span>n a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs602\">port<span class=\"_ _1\"></span>folio of a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s with<span class=\"_ _1\"></span> a longer ter<span class=\"_ _1\"></span>m t<span class=\"ls6 wsd\">han th<span class=\"_ _1\"></span>e liabilities fu<span class=\"_ _1\"></span>nding th<span class=\"_ _1\"></span>em (therefore giving <span class=\"_ _1\"></span>rise to a n<span class=\"_ _1\"></span>egative </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs603\">maturity ga<span class=\"_ _1\"></span>p position).  To mitigate expo<span class=\"_ _1\"></span>sures aris<span class=\"_ _1\"></span>ing in this respect, the Bank holds s<span class=\"_ _1\"></span>ignificant liqu<span class=\"_ _1\"></span>id assets </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws11a gs604\">in th<span class=\"_ _1\"></span>e form of <span class=\"_ _1\"></span>Malta Go<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>nment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry bill<span class=\"_ _1\"></span>s, mon<span class=\"_ _1\"></span>ey mark<span class=\"_ _1\"></span>et place<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> a<span class=\"ls8 ws117\">nd other short<span class=\"ls1 ws1\">-</span></span><span class=\"ws7\">term </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs605\">instrume<span class=\"_ _0\"></span>nts for m<span class=\"_ _0\"></span>anaging l<span class=\"_ _0\"></span>iqui<span class=\"_ _0\"></span>dity risk<span class=\"_ _0\"></span> to sup<span class=\"_ _0\"></span>port p<span class=\"_ _0\"></span>ayment <span class=\"_ _0\"></span>oblig<span class=\"_ _0\"></span>ations an<span class=\"_ _0\"></span>d conting<span class=\"_ _0\"></span>ent f<span class=\"_ _0\"></span>unding in<span class=\"_ _0\"></span> a st<span class=\"_ _0\"></span>ressed<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs606\">market en<span class=\"_ _1\"></span>viro<span class=\"_ _1\"></span>nmen<span class=\"_ _1\"></span>t.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs607\">The B<span class=\"_ _0\"></span>ank\u2019s Advance<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\">-</span><span class=\"ls9\">to<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">Deposit ra<span class=\"_ _1\"></span>tio of 7<span class=\"ws8\">9.6<span class=\"ls5 ws6\">% (20<span class=\"_ _1\"></span>24: 77.<span class=\"_ _1\"></span>8%) at<span class=\"_ _1\"></span> the end<span class=\"_ _1\"></span> of the rep<span class=\"_ _1\"></span>ortin<span class=\"_ _1\"></span>g per<span class=\"_ _1\"></span>iod refl<span class=\"_ _1\"></span>ects<span class=\"_ _1\"></span> </span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs608\">Manageme<span class=\"_ _0\"></span>nt\u2019s prudent s<span class=\"_ _0\"></span>tanc<span class=\"_ _0\"></span>e in the<span class=\"_ _0\"></span> conte<span class=\"_ _0\"></span>xt of li<span class=\"_ _0\"></span>quidity m<span class=\"_ _0\"></span>anagem<span class=\"_ _0\"></span>ent.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 ha ff5 fs1 fc0 sc0 lsb ws24 gs609\">Liquidity C<span class=\"_ _0\"></span>overage Rati<span class=\"_ _0\"></span>o<span class=\"ff6 ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs60a\">The Liquidit<span class=\"_ _1\"></span>y Coverage Ratio (<span class=\"ls1 ws1\">\u2018<span class=\"ls24 ws9\">L<span class=\"_ _1\"></span>CR</span>\u2019<span class=\"ls8 ws1b\">) is desig<span class=\"_ _0\"></span>ned to prom<span class=\"_ _0\"></span>ote<span class=\"_ _0\"></span> the short<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls6 ws1f\">term resilience of a b<span class=\"_ _1\"></span>ank\u2019s liquidity </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs60b\">profil<span class=\"_ _0\"></span>e. Thi<span class=\"_ _0\"></span>s ratio be<span class=\"_ _0\"></span>came a m<span class=\"_ _0\"></span>inimum re<span class=\"_ _0\"></span>gulator<span class=\"_ _0\"></span>y standard unde<span class=\"_ _0\"></span>r the Eur<span class=\"_ _0\"></span>opea<span class=\"_ _0\"></span>n Comm<span class=\"_ _0\"></span>ission De<span class=\"_ _0\"></span>legat<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs60c\">Regulation 2015<span class=\"_ _1\"></span>/61. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs60d\">The LC<span class=\"_ _0\"></span>R aim<span class=\"_ _0\"></span>s to ensure<span class=\"_ _0\"></span> that a <span class=\"_ _0\"></span>bank ha<span class=\"_ _0\"></span>s adequat<span class=\"_ _0\"></span>e unenc<span class=\"_ _0\"></span>umbere<span class=\"_ _0\"></span>d high<span class=\"ls1 ws1\">-</span>qual<span class=\"_ _0\"></span>ity liqui<span class=\"_ _0\"></span>d assets <span class=\"_ _0\"></span>(\u2018HQL<span class=\"_ _0\"></span>A\u2019) to m<span class=\"_ _0\"></span>eet </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs60e\">its liqu<span class=\"_ _1\"></span>idity requirement<span class=\"_ _1\"></span>s within<span class=\"_ _1\"></span> a 30<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">calendar</span>-</span>day liquid<span class=\"_ _1\"></span>ity stress<span class=\"_ _1\"></span> scenario. Genera<span class=\"_ _1\"></span>lly, HQLA co<span class=\"_ _1\"></span>nsist o<span class=\"_ _1\"></span>f cash </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs60f\">or assets that can be conver<span class=\"_ _0\"></span>ted into cash at li<span class=\"_ _0\"></span>ttle or no loss <span class=\"_ _0\"></span>of value in m<span class=\"_ _0\"></span>arkets.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs610\">The LCR as at 31 De<span class=\"_ _1\"></span>cember 202<span class=\"ls1 ws1\">5 <span class=\"ls7 ws46\">as calcul<span class=\"_ _0\"></span>ated by the Bank was <span class=\"ls6 ws8\">380.5<span class=\"ls5 ws2b\">% (202<span class=\"ls1 ws1\">4<span class=\"lsd ws44\">: </span></span></span>231<span class=\"ws12\">.8%).  Durin<span class=\"_ _1\"></span>g the financial </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs611\">years<span class=\"_ _1\"></span> ended<span class=\"_ _1\"></span> 31 December 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span><span class=\"ls6 ws1c\">and 202</span>4<span class=\"ls8 ws11\">, the LCR w<span class=\"_ _0\"></span>as in e<span class=\"_ _11\"></span>xcess of both t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>egulat<span class=\"_ _0\"></span>ory m<span class=\"_ _0\"></span>inimum and t<span class=\"_ _0\"></span>he </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs612\">risk appeti<span class=\"_ _0\"></span>te thre<span class=\"_ _0\"></span>sholds se<span class=\"_ _0\"></span>t by the<span class=\"_ _0\"></span> bank.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs613\">Net Stable Fundi<span class=\"_ _0\"></span>ng Ratio<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs614\">The Net Stable Fun<span class=\"_ _1\"></span>ding Ratio (\u2018NSFR\u2019) is<span class=\"_ _1\"></span> a metric showin<span class=\"_ _1\"></span>g how a bank is able to maintain s<span class=\"_ _1\"></span>ufficient stab<span class=\"_ _1\"></span>le </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs615\">funding re<span class=\"_ _0\"></span>lative<span class=\"_ _0\"></span> to requi<span class=\"_ _0\"></span>red <span class=\"_ _0\"></span>stable<span class=\"_ _0\"></span> funding<span class=\"_ _0\"></span>, and re<span class=\"_ _0\"></span>fle<span class=\"_ _0\"></span>cts a <span class=\"_ _0\"></span>bank\u2019s<span class=\"_ _0\"></span> long<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">term funding profile (typi<span class=\"_ _1\"></span>cally, with </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs616\">a term of mo<span class=\"_ _1\"></span>re th<span class=\"_ _1\"></span>an on<span class=\"_ _1\"></span>e year).<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws55 gs617\">The NSFR is calcula<span class=\"_ _1\"></span>ted in line with the <span class=\"ls5 ws7\">req<span class=\"_ _1\"></span>uirement<span class=\"_ _1\"></span>s <span class=\"_ _15\"> </span><span class=\"ls7 ws4e\">of<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span></span></span></span>the Capit<span class=\"_ _1\"></span>al Requirements Re<span class=\"_ _1\"></span>gulation (E<span class=\"_ _1\"></span>U) No </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs618\">575/2013 (\u2018CR<span class=\"_ _1\"></span>R<span class=\"ls1 ws1\">\u2019). </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs619\">The NSFR as at 31 Dece<span class=\"_ _1\"></span>mber 202<span class=\"ls1 ws1\">5 <span class=\"_ _10\"> </span><span class=\"ls7 ws90\">as calculated by the Bank was </span></span><span class=\"ws8\">158.5<span class=\"ls5 ws28\">% (202<span class=\"ls1 ws1\">4<span class=\"lsd ws145\">: 1</span></span></span>47<span class=\"_ _1\"></span><span class=\"ls1 ws1\">.0</span></span>%).  During th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs61a\">financial y<span class=\"_ _1\"></span>ears ended 31 De<span class=\"_ _1\"></span>cember 202<span class=\"ls1 ws1\">5 </span>and 202<span class=\"ls1 ws1\">4<span class=\"ls8 ws13\">, the NSFR w<span class=\"_ _0\"></span>as in ex<span class=\"_ _0\"></span>cess of bo<span class=\"_ _0\"></span>th the re<span class=\"_ _0\"></span>gulatory mi<span class=\"_ _0\"></span>nimum </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs61b\">and the risk a<span class=\"_ _0\"></span>ppeti<span class=\"_ _0\"></span>te thre<span class=\"_ _0\"></span>sholds set by<span class=\"_ _0\"></span> the bank.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs61c\">The B<span class=\"_ _0\"></span>ank\u2019s ALCO foc<span class=\"_ _0\"></span>uses on the Bank\u2019<span class=\"_ _0\"></span>s manage<span class=\"_ _0\"></span>ment process w<span class=\"_ _0\"></span>ith respe<span class=\"_ _0\"></span>ct to m<span class=\"_ _0\"></span>arket and fundi<span class=\"_ _0\"></span>ng liquidi<span class=\"_ _0\"></span>ty </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws8b gs61d\">risks.<span class=\"_ _bc\"> </span><span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs61f\">The G<span class=\"_ _0\"></span>roup\u2019s liqui<span class=\"_ _0\"></span>dity manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt proce<span class=\"_ _0\"></span>ss, focusing<span class=\"_ _0\"></span> on the<span class=\"_ _0\"></span> liquidity o<span class=\"_ _0\"></span>f the B<span class=\"_ _0\"></span>ank and tha<span class=\"_ _0\"></span>t of its pr<span class=\"_ _0\"></span>incipal </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs620\">subsidiar<span class=\"_ _0\"></span>y, include<span class=\"_ _0\"></span>s:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs621\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws22\">managem<span class=\"_ _1\"></span>ent o<span class=\"_ _1\"></span>f day</span>-<span class=\"ls9 wsa\">to</span>-<span class=\"ls8 ws3c\">day funding, by monitor<span class=\"_ _0\"></span>ing futur<span class=\"_ _0\"></span>e cash f<span class=\"_ _0\"></span>lows to e<span class=\"_ _0\"></span>nsure that r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ments can<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs622\">be me<span class=\"_ _0\"></span>t. This i<span class=\"_ _0\"></span>ncludes re<span class=\"_ _0\"></span>pleni<span class=\"_ _0\"></span>shment of<span class=\"_ _0\"></span> funds as<span class=\"_ _0\"></span> they mat<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span> or are bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>d by custome<span class=\"_ _0\"></span>rs. The<span class=\"_ _0\"></span> starting<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws14 gs623\">point for those proje<span class=\"_ _0\"></span>ctions is<span class=\"_ _0\"></span> an analy<span class=\"_ _0\"></span>sis of the c<span class=\"_ _0\"></span>ontr<span class=\"ls6 ws1f\">actual maturity<span class=\"_ _1\"></span> of the financial liabilities a<span class=\"_ _1\"></span>nd the </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs624\">expected<span class=\"_ _1\"></span> col<span class=\"_ _1\"></span>lection<span class=\"_ _1\"></span> date o<span class=\"_ _1\"></span>f the fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ass<span class=\"_ _1\"></span>ets;<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs625\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls7 ws14\">maintaining a portf<span class=\"_ _0\"></span>olio of highly marketable assets that can easil<span class=\"_ _0\"></span>y be liquidated as protecti<span class=\"_ _0\"></span>on against </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs626\">any unfore<span class=\"_ _0\"></span>seen int<span class=\"_ _0\"></span>errupti<span class=\"_ _0\"></span>on to c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>;<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs627\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">monitor<span class=\"_ _0\"></span>ing the<span class=\"_ _0\"></span> liquidity r<span class=\"_ _0\"></span>atios<span class=\"_ _0\"></span> of the B<span class=\"_ _0\"></span>ank against i<span class=\"_ _0\"></span>nternal<span class=\"_ _0\"></span> and re<span class=\"_ _0\"></span>gulator<span class=\"_ _0\"></span>y require<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts; and<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs628\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">managi<span class=\"_ _0\"></span>ng the c<span class=\"_ _0\"></span>oncentr<span class=\"_ _0\"></span>ation and prof<span class=\"_ _0\"></span>ile o<span class=\"_ _0\"></span>f debt m<span class=\"_ _0\"></span>aturiti<span class=\"_ _0\"></span>es.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs629\">The Bank al<span class=\"_ _0\"></span>so monitor<span class=\"_ _0\"></span>s the level and type<span class=\"_ _0\"></span> of undraw<span class=\"_ _0\"></span>n lending commit<span class=\"_ _0\"></span>ments and the i<span class=\"_ _0\"></span>mpact of co<span class=\"_ _0\"></span>ntingent<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs62a\">liabili<span class=\"_ _0\"></span>ties such as g<span class=\"_ _0\"></span>uarantee<span class=\"_ _0\"></span>s as part of<span class=\"_ _0\"></span> the liqui<span class=\"_ _0\"></span>dity manag<span class=\"_ _0\"></span>ement pr<span class=\"_ _0\"></span>ocess pre<span class=\"_ _0\"></span>viously re<span class=\"_ _0\"></span>ferr<span class=\"_ _0\"></span>ed to. A<span class=\"_ _0\"></span>s at 31 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs62b\">Decem<span class=\"_ _0\"></span>ber 2025<span class=\"_ _0\"></span>, the Bank<span class=\"_ _0\"></span> had outsta<span class=\"_ _0\"></span>nding g<span class=\"_ _0\"></span>uaran<span class=\"ls6 ws52\">tees on behalf of third part<span class=\"_ _1\"></span>ies amounting to \u20ac15,<span class=\"_ _1\"></span>114,000 </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws61 gs62c\">(2024: \u20ac12,61<span class=\"_ _1\"></span>9,000), which a<span class=\"_ _1\"></span>re cancellabl<span class=\"_ _1\"></span>e upon the req<span class=\"_ _1\"></span>uest of the th<span class=\"_ _1\"></span>ird parties. Th<span class=\"_ _1\"></span>e Group\u2019s liq<span class=\"_ _1\"></span>uidity </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs62d\">expos<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g from th<span class=\"_ _1\"></span>ese co<span class=\"_ _1\"></span>mmitmen<span class=\"_ _1\"></span>ts an<span class=\"_ _1\"></span>d con<span class=\"_ _1\"></span>tingen<span class=\"_ _1\"></span>cies<span class=\"_ _1\"></span> are exp<span class=\"_ _1\"></span>ected t<span class=\"_ _1\"></span>o exp<span class=\"_ _1\"></span>ire pri<span class=\"_ _1\"></span>ncip<span class=\"_ _1\"></span>ally w<span class=\"ls6 ws1f\">ith<span class=\"_ _1\"></span>in a </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs62e\">period<span class=\"_ _1\"></span> of twelv<span class=\"_ _1\"></span>e mon<span class=\"_ _1\"></span>ths fr<span class=\"_ _1\"></span>om th<span class=\"_ _1\"></span>e end of t<span class=\"_ _1\"></span>he repo<span class=\"_ _1\"></span>rting p<span class=\"_ _1\"></span>erio<span class=\"_ _1\"></span>d.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs62f\"> <span class=\"_ _2c\"></span><span class=\"ls6 ws19\">The following ta<span class=\"_ _1\"></span>bles analy<span class=\"_ _1\"></span>se the Group\u2019<span class=\"_ _1\"></span>s and Ban<span class=\"_ _1\"></span>k\u2019s prin<span class=\"_ _1\"></span>cipal financia<span class=\"_ _1\"></span>l assets a<span class=\"_ _1\"></span>nd liabiliti<span class=\"_ _1\"></span>es into relevan<span class=\"_ _1\"></span>t </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs630\">maturit<span class=\"_ _0\"></span>y groupings base<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> rem<span class=\"_ _0\"></span>aining peri<span class=\"_ _0\"></span>od at the e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> report<span class=\"_ _0\"></span>ing peri<span class=\"_ _0\"></span>od to the contr<span class=\"_ _0\"></span>actual </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls9 ws8 gs631\">maturity date.<span class=\"_ _bc\"> </span></div><div class=\"gsb6\"><table class=\"s w233 h1e9\" id=\"_e136bfa8-4228-412e-9bef-efc6b99c2162\"><tr><td class=\"c x3d1 y222e w138 h138\"><div class=\"t m0 xd h139 yb28 ff3 fs16 fc0 sc0 ls7b ws146\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3d2 y222e w13a h138\"><div class=\"t m0 xd4 h13a yb28 ff3 fs16 fc0 sc0 ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls7e ws149\">Betw<span class=\"_ _0\"></span>een<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td><td class=\"c x3d3 y222e w13a h138\"><div class=\"t m0 x10 h13a yb28 ff3 fs16 fc0 sc0 ls1 ws1\"> <span class=\"_ _af\"> </span><span class=\"ls7e ws149\">Betw<span class=\"_ _0\"></span>een<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x3d4 h13a y222f ff3 fs16 fc0 sc0 ls1 ws1\"> <span class=\"_ _3c\"> </span><span class=\"ls7c ws147\">Less than</span> </td><td class=\"t m0 x3d5 h13a y222f ff3 fs16 fc0 sc0 ls7d ws148\">3 months<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3d6 h13a y222f ff3 fs16 fc0 sc0 ls7d ws148\">1 year a<span class=\"_ _0\"></span>nd <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3d7 h13a y222f ff3 fs16 fc0 sc0 ls1 ws1\"> <span class=\"_ _19\"> </span><span class=\"ls7f ws14b\">More th<span class=\"_ _1\"></span>an</span> </td><td class=\"t m0 x3d8 h13a y222f ff3 fs16 fc0 sc0 ls7d ws148\">No matur<span class=\"_ _0\"></span>ity<span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x3d9 y222e w139 h138\"><div class=\"t m0 xb5 h139 y9fd ff3 fs16 fc0 sc0 ls7d ws148\">3 months<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y222e w13a h138\"><div class=\"t m0 xe5 h139 y9fd ff3 fs16 fc0 sc0 ls7d ws14a\">and 1 year<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y222e w13a h138\"><div class=\"t m0 xd9 h139 y9fd ff3 fs16 fc0 sc0 ls7b ws146\">5years<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y222e w139 h138\"><div class=\"t m0 x10b h139 y9fd ff3 fs16 fc0 sc0 ls7b ws14c\">5 years<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y222e w13a h138\"><div class=\"t m0 x37 h139 y9fd ff3 fs16 fc0 sc0 ls7d ws14d\">date<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y222e w13a h138\"><div class=\"t m0 x125 h13a y9fd ff3 fs16 fc0 sc0 ls80 ws14e\">Tot<span class=\"_ _1\"></span>al<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2230 w138 h13b\"><div class=\"t m0 xd h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">As at 31 Dece<span class=\"_ _0\"></span>mber 202<span class=\"_ _0\"></span><span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d9 y2230 w139 h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2230 w13a h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2230 w13a h13b\"><div class=\"t m0 xe6 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y2230 w139 h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2230 w13a h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2230 w13a h13b\"><div class=\"t m0 x125 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2231 w138 h13c\"><div class=\"t m0 xd h139 y9db ff3 fs16 fc0 sc0 ls7c ws147\">Financial assets<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3d1 y2232 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Balances with Central Bank of Malta, tre<span class=\"_ _0\"></span>asury bills and cash<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2232 w139 h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">162,85<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"_ _0\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d2 y2232 w13a h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">10,918<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2232 w13a h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3da y2232 w139 h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3db y2232 w13a h13b\"><div class=\"t m0 xe6 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">8,792<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2232 w13a h13b\"><div class=\"t m0 x49 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">182,564<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2233 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Financial investments measured at F<span class=\"_ _0\"></span>VOCI<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2233 w139 h13b\"><div class=\"t m0 x8f h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">571<span class=\"ffa\"> </span></div></td><td class=\"c x3d2 y2233 w13a h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">46,047<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2233 w13a h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">8<span class=\"ls81 ws14f\">3,687</span><span class=\"ffa\"> </span></div></td><td class=\"c x3da y2233 w139 h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">40,660<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2233 w13a h13b\"><div class=\"t m0 xe6 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2233 w13a h13b\"><div class=\"t m0 x49 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">179,246<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2234 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Financial investments measured at <span class=\"ls82 ws150\">am<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rtise<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>st</span><span class=\"ls82 ws150\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x3d9 y2234 w139 h13e\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3d2 y2234 w13a h13e\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">3,001<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2234 w13a h13e\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">24,364<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y2234 w139 h13e\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">6,525<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2234 w13a h13e\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y2234 w13a h13e\"><div class=\"t m0 x69 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">33,890<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2235 w138 h13f\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls83 ws14f\">Loans and advances to banks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2235 w139 h13f\"><div class=\"t m0 x69 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">61,923<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2235 w13a h13f\"><div class=\"t m0 x8f h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">500<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2235 w13a h13f\"><div class=\"t m0 x106 h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3da y2235 w139 h13f\"><div class=\"t m0 x106 h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3db y2235 w13a h13f\"><div class=\"t m0 x14e h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y2235 w13a h13f\"><div class=\"t m0 x69 h13a y9db ff3 fs16 fc0 sc0 ls81 ws14f\">62,423<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2236 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls83 ws14f\">Loans and advances to customers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2236 w139 h13e\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">128,997<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2236 w13a h13e\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">69,99<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d3 y2236 w13a h13e\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">170,453<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y2236 w139 h13e\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">559,667<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2236 w13a h13e\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y2236 w13a h13e\"><div class=\"t m0 x49 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">929,111<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2237 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls84 ws151\">Other assets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2237 w139 h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">12,967<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2237 w13a h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">6,12<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d3 y2237 w13a h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3da y2237 w139 h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3db y2237 w13a h13b\"><div class=\"t m0 xea h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">44<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2237 w13a h13b\"><div class=\"t m0 x69 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">19,134<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2238 w138 h13b\"><div class=\"t m0 xd h13a y9fd ff3 fs16 fc0 sc0 ls7c ws147\">Total financial assets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2238 w139 h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">367,312<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2238 w13a h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">136,<span class=\"ls85 ws152\">583</span><span class=\"ls85 ws152\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x3d3 y2238 w13a h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">278,504<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y2238 w139 h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">606,852<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2238 w13a h13b\"><div class=\"t m0 x10b h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">17,117<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2238 w13a h13b\"><div class=\"t m0 xd7 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">1,406,36<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"_ _0\"></span> </span></div></td></tr><tr><td class=\"c x3d1 y2239 w138 h13c\"><div class=\"t m0 xd h13a y9db ff3 fs16 fc0 sc0 ls86 ws153\">Fina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3d1 y223a w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Amounts owed to banks<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223a w139 h13b\"><div class=\"t m0 x8f h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">345<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223a w13a h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3d3 y223a w13a h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3da y223a w139 h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3db y223a w13a h13b\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y223a w13a h13b\"><div class=\"t m0 x8f h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">345<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y223b w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Amounts owed to customers<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223b w139 h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">707,428<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223b w13a h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">105,606<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223b w13a h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">313,140<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y223b w139 h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">81,082<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y223b w13a h13b\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y223b w13a h13b\"><div class=\"t m0 xd7 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">1,207<span class=\"ls85 ws152\">,256</span><span class=\"ls85 ws152\"><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td class=\"c x3d1 y223c w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls87 ws154\">Other lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223c w139 h13e\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">23,089<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223c w13a h13e\"><div class=\"t m0 x8f h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">667<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223c w13a h13e\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">2,611<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y223c w139 h13e\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">11,420<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y223c w13a h13e\"><div class=\"t m0 x10b h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">10,613<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y223c w13a h13e\"><div class=\"t m0 x69 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">48,400<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y223d w138 h13c\"><div class=\"t m0 xd h139 y9db ff3 fs16 fc0 sc0 ls87 ws154\">Total f<span class=\"_ _1\"></span>inancial li<span class=\"_ _1\"></span>abilities <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223d w139 h13c\"><div class=\"t m0 x49 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">730,862<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223d w13a h13c\"><div class=\"t m0 x49 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">106,273<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223d w13a h13c\"><div class=\"t m0 x49 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">315,751<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y223d w139 h13c\"><div class=\"t m0 x69 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">92,502<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y223d w13a h13c\"><div class=\"t m0 x10b h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">10,613<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y223d w13a h13c\"><div class=\"t m0 xd7 h13a y9db ff3 fs16 fc0 sc0 ls81 ws14f\">1,256,001<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y223e w138 h13e\"><div class=\"t m0 xd h139 y9fd ff3 fs16 fc0 sc0 ls7d ws14a\">Matur<span class=\"_ _0\"></span>ity gap<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223e w139 h13e\"><div class=\"t m0 x4f h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">(363,550<span class=\"ls1 ws1\">)<span class=\"_ _0\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d2 y223e w13a h13e\"><div class=\"t m0 xe6 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">30,310<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223e w13a h13e\"><div class=\"t m0 xcd h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">(37,247)<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y223e w139 h13e\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">514,350<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y223e w13a h13e\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y223e w13a h13e\"><div class=\"t m0 x14 h13a y9fd ff3 fs16 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3d1 y223f w138 h13f\"><div class=\"t m0 xd h139 y9db ff3 fs16 fc0 sc0 ls7f ws14b\">Cumul<span class=\"_ _1\"></span>ati<span class=\"_ _1\"></span>ve g<span class=\"_ _1\"></span>ap<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223f w139 h13f\"><div class=\"t m0 x4f h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">(363,550)<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223f w13a h13f\"><div class=\"t m0 x4f h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">(333,240)<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223f w13a h13f\"><div class=\"t m0 x4f h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">(<span class=\"ls81 ws14f\">370,487</span>)<span class=\"_ _0\"></span><span class=\"ffa\"> </span></div></td><td class=\"c x3da y223f w139 h13f\"><div class=\"t m0 x49 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">143,86<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"_ _0\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x3db y223f w13a h13f\"><div class=\"t m0 x14e h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y223f w13a h13f\"><div class=\"t m0 x14 h13a y9db ff3 fs16 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3d1 y2240 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">As at 31 Decem<span class=\"_ _0\"></span>ber 2024<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2240 w139 h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2240 w13a h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2240 w13a h13b\"><div class=\"t m0 xe6 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2240 w139 h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2240 w13a h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2240 w13a h13b\"><div class=\"t m0 x125 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2241 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls87 ws154\">Financ<span class=\"_ _1\"></span>ial assets<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3d1 y2242 w138 h13f\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls7c ws147\">Balances with Central Bank of Malta, tre<span class=\"_ _0\"></span>asury bills and cash<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2242 w139 h13f\"><div class=\"t m0 x49 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">145,928<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2242 w13a h13f\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3d3 y2242 w13a h13f\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3da y2242 w139 h13f\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3db y2242 w13a h13f\"><div class=\"t m0 xe6 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">8,552<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2242 w13a h13f\"><div class=\"t m0 x49 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">154,480<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2243 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Financial investments measured at F<span class=\"_ _0\"></span>VOCI <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2243 w139 h13e\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">2,661<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2243 w13a h13e\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">6,224<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2243 w13a h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">118,170<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2243 w139 h13e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">51,773<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2243 w13a h13e\"><div class=\"t m0 xe6 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">8,175<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2243 w13a h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">187,003<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2244 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Financial investments measured at amo<span class=\"_ _0\"></span>rtised cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2244 w139 h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3d2 y2244 w13a h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3d3 y2244 w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">14,000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2244 w139 h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">7,107<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2244 w13a h13b\"><div class=\"t m0 x14e h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y2244 w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2245 w138 h13c\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls83 ws14f\">Loans and advances to banks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2245 w139 h13c\"><div class=\"t m0 x69 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">45,189<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2245 w13a h13c\"><div class=\"t m0 x104 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">1,000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2245 w13a h13c\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3da y2245 w139 h13c\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3db y2245 w13a h13c\"><div class=\"t m0 x14e h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y2245 w13a h13c\"><div class=\"t m0 x69 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">46,189<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2246 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls83 ws14f\">Loans and advances to customers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2246 w139 h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">149,781<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2246 w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">70,137<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2246 w13a h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">157,808<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2246 w139 h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">494,956<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2246 w13a h13b\"><div class=\"t m0 x14e h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y2246 w13a h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">872,682<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2247 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls84 ws151\">Other assets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2247 w139 h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">13,419<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2247 w13a h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">2,379<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2247 w13a h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3da y2247 w139 h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3db y2247 w13a h13b\"><div class=\"t m0 x46 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">276<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2247 w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">16,074<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2248 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls83 ws14f\">Total financial assets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2248 w139 h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">356,978<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2248 w13a h13e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">79,740<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2248 w13a h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">289,978<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2248 w139 h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">553,836<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2248 w13a h13e\"><div class=\"t m0 x10b h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">17,003<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2248 w13a h13e\"><div class=\"t m0 xd7 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">1,297,535<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2249 w138 h13c\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls87 ws154\">Financ<span class=\"_ _1\"></span>ial liabilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3d1 y224a w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Amounts owed to banks<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224a w139 h13b\"><div class=\"t m0 x8f h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">438<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224a w13a h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3d3 y224a w13a h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3da y224a w139 h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3db y224a w13a h13b\"><div class=\"t m0 x14e h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y224a w13a h13b\"><div class=\"t m0 x8f h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">438<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y224b w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Amounts owed to customers<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224b w139 h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">728,077<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224b w13a h13e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">66,702<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224b w13a h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">275,996<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224b w139 h13e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">49,231<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y224b w13a h13e\"><div class=\"t m0 x14e h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y224b w13a h13e\"><div class=\"t m0 xd7 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">1,120,006<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y224c w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls87 ws154\">Other lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224c w139 h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">22,340<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224c w13a h13b\"><div class=\"t m0 x8f h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">624<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224c w13a h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">1,863<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224c w139 h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">8,333<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y224c w13a h13b\"><div class=\"t m0 xe6 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">8,440<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y224c w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">41,600<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y224d w138 h8e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls87 ws154\">Total fin<span class=\"_ _1\"></span>ancial liabil<span class=\"_ _1\"></span>ities <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224d w139 h8e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">750,855<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224d w13a h8e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">67,326<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224d w13a h8e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">277,859<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224d w139 h8e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">57,564<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y224d w13a h8e\"><div class=\"t m0 xe6 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">8,440<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y224d w13a h8e\"><div class=\"t m0 xd7 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">1,162,044<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y224e w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws155\">Maturity gap<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224e w139 h13b\"><div class=\"t m0 x4f h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">(393,877)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224e w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">12,414<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224e w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">12,119<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224e w139 h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">496,272<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3d1 y224f w138 h13c\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls87 ws154\">Cumulat<span class=\"_ _1\"></span>ive gap<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224f w139 h13c\"><div class=\"t m0 x4f h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">(393,877)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224f w13a h13c\"><div class=\"t m0 x4f h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">(381,463)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224f w13a h13c\"><div class=\"t m0 x4f h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">(369,344)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224f w139 h13c\"><div class=\"t m0 x49 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">126,928<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs634\">The B<span class=\"_ _0\"></span>ank<span class=\"ls1 ws1\">\u2019<span class=\"ls5 ws6\">s amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> owed to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span> of <span class=\"ls6 ws8\">\u20ac658,919,<span class=\"_ _1\"></span>000</span></span> <span class=\"lsd ws44\">(202</span>4<span class=\"lsd ws74\">: \u20ac<span class=\"ls6 ws8\">6<span class=\"_ _1\"></span>37,150,000<span class=\"ws7\">) as<span class=\"_ _1\"></span> at 31 December 202</span></span></span>5 </span>are repayable on dem<span class=\"_ _0\"></span>and and incl<span class=\"_ _0\"></span>uded in t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span> \u201cwithin 3<span class=\"_ _0\"></span> months\u201d buck<span class=\"_ _0\"></span>et </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs635\">in the tabl<span class=\"_ _0\"></span>es.  Howe<span class=\"_ _0\"></span>ver, t<span class=\"_ _0\"></span>he Bank\u2019s experi<span class=\"_ _0\"></span>ence<span class=\"_ _0\"></span> is that a signif<span class=\"_ _0\"></span>icant port<span class=\"_ _0\"></span>ion of such de<span class=\"_ _0\"></span>posits re<span class=\"_ _0\"></span>mains stable<span class=\"_ _0\"></span>. Addit<span class=\"_ _0\"></span>ionally, a<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls6 ws1f\">significant<span class=\"_ _1\"></span> part of oth<span class=\"_ _1\"></span>er depos<span class=\"_ _1\"></span>its maturing wit<span class=\"_ _1\"></span>hin 3 </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws16 gs636\">months <span class=\"_ _13\"></span><span class=\"wsb\">from<span class=\"_ _0\"></span> the end of the<span class=\"_ _0\"></span> reporting<span class=\"_ _0\"></span> period i<span class=\"_ _0\"></span>s typicall<span class=\"_ _0\"></span>y renewed. T<span class=\"_ _0\"></span>he tables be<span class=\"_ _0\"></span>low analyse<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019s and Bank\u2019s<span class=\"_ _0\"></span> princi<span class=\"_ _0\"></span>pal non<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">derivative fina<span class=\"_ _1\"></span>ncial liab<span class=\"_ _1\"></span>ilities into rel<span class=\"_ _1\"></span>evant </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs637\">m<span class=\"ls8 ws11\">aturity g<span class=\"_ _0\"></span>roupings base<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> rema<span class=\"_ _0\"></span>ining pe<span class=\"_ _0\"></span>riod at the end of t<span class=\"_ _0\"></span>he repo<span class=\"_ _0\"></span>rting pe<span class=\"_ _0\"></span>riod to the<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>tual mat<span class=\"_ _0\"></span>urity date<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span> amou<span class=\"ls6 ws1c\">nts disclos<span class=\"_ _1\"></span>ed in the tables a<span class=\"_ _1\"></span>re the contractu<span class=\"_ _1\"></span>al </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs638\">undiscounted c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows. <span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w234 h1ea\" id=\"_91c0a927-294a-4dfd-a998-56c5b0e60e52\"><tr><td class=\"c x3de y2250 w13c h146\"><div class=\"t m0 x10 h35 y1609 ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3df y2250 w13e h146\"><div class=\"t m0 x22 h29 y1609 ff3 fs8 fc0 sc0 ls6f ws109\">Between<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x3e0 y2250 w121 h146\"><div class=\"t m0 x22 h29 y1609 ff3 fs8 fc0 sc0 ls6f ws109\">Between<span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x3e1 h29 y2251 ff3 fs8 fc0 sc0 ls1 ws9b\">Less than<span class=\"ws1\"> </span></td><td class=\"t m0 x3e2 h29 y2251 ff3 fs8 fc0 sc0 ls1 ws9b\">3 months<span class=\"ws1\"> </span></td><td class=\"t m0 x3e3 h29 y2251 ff3 fs8 fc0 sc0 ls1 ws9b\">1 year<span class=\"ws1\"> </span></td><td class=\"t m0 x3e4 h29 y2251 ff3 fs8 fc0 sc0 ls1 ws9b\">More than<span class=\"ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x3e5 y2250 w13d h146\"><div class=\"t m0 xcb h35 y9fd ff3 fs8 fc0 sc0 ls1 ws9b\">3 months<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3df y2250 w13e h146\"><div class=\"t m0 x90 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws9b\">and 1 year<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e0 y2250 w121 h146\"><div class=\"t m0 x34 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws9b\">and 5 years<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e6 y2250 w121 h146\"><div class=\"t m0 xd6 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws9b\">5 years<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e7 y2250 wf3 h146\"><div class=\"t m0 xf h29 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td class=\"c x3de y2252 w13c h147\"><div class=\"t m0 x10 h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3e5 y2252 w13d h147\"><div class=\"t m0 x10b h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3df y2252 w13e h147\"><div class=\"t m0 x10b h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e0 y2252 w121 h147\"><div class=\"t m0 x10b h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e6 y2252 w121 h147\"><div class=\"t m0 x10b h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e7 y2252 wf3 h147\"><div class=\"t m0 x8f h29 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x3de y2253 w13c h148\"><div class=\"t m0 x10 h35 y83a ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l liab<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3de y2254 w13c h149\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y2254 w13d h149\"><div class=\"t m0 x6b h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">345<span class=\"ffa\"> </span></div></td><td class=\"c x3df y2254 w13e h149\"><div class=\"t m0 xf7 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3e0 y2254 w121 h149\"><div class=\"t m0 xf7 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3e6 y2254 w121 h149\"><div class=\"t m0 x171 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3e7 y2254 wf3 h149\"><div class=\"t m0 xce h29 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">345 </div></td></tr><tr><td class=\"c x3de y2255 w13c haa\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y2255 w13d haa\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">708,625<span class=\"ffa\"> </span></div></td><td class=\"c x3df y2255 w13e haa\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">107,940<span class=\"ffa\"> </span></div></td><td class=\"c x3e0 y2255 w121 haa\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">339,329<span class=\"ffa\"> </span></div></td><td class=\"c x3e6 y2255 w121 haa\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">98,555<span class=\"ffa\"> </span></div></td><td class=\"c x3e7 y2255 wf3 haa\"><div class=\"t m0 xd7 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">1,25<span class=\"ls4 ws0\">4,4</span>49 </div></td></tr><tr><td class=\"c x3de y2256 w13c h14a\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls28 ws0\">Other liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y2256 w13d h14a\"><div class=\"t m0 x4f h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">24,739<span class=\"ffa\"> </span></div></td><td class=\"c x3df y2256 w13e h14a\"><div class=\"t m0 x10b h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">1,294<span class=\"ffa\"> </span></div></td><td class=\"c x3e0 y2256 w121 h14a\"><div class=\"t m0 x10b h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">3,307<span class=\"ffa\"> </span></div></td><td class=\"c x3e6 y2256 w121 h14a\"><div class=\"t m0 x27 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">2,941<span class=\"ffa\"> </span></div></td><td class=\"c x3e7 y2256 wf3 h14a\"><div class=\"t m0 x27 h29 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">32,281 </div></td></tr><tr><td class=\"c x3de y2257 w13c h149\"><div class=\"t m0 x10 h35 y9fd ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l liabi<span class=\"_ _1\"></span>litie<span class=\"_ _1\"></span>s <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3e5 y2257 w13d h149\"><div class=\"t m0 x26 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">733,709<span class=\"ffa\"> </span></div></td><td class=\"c x3df y2257 w13e h149\"><div class=\"t m0 x26 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">109,234<span class=\"ffa\"> </span></div></td><td class=\"c x3e0 y2257 w121 h149\"><div class=\"t m0 x26 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">342,636<span class=\"ffa\"> </span></div></td><td class=\"c x3e6 y2257 w121 h149\"><div class=\"t m0 xd6 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">101,496<span class=\"ffa\"> </span></div></td><td class=\"c x3e7 y2257 wf3 h149\"><div class=\"t m0 xd7 h29 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">1,287,075 </div></td></tr><tr><td class=\"c x3de y2258 w13c h148\"><div class=\"t m0 x10 h25 y83a ff1 fs8 fc0 sc0 ls4 ws9a\">As at 31 Decem<span class=\"_ _1\"></span>ber 202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3e5 y2258 w13d h148\"><div class=\"t m0 xd9 h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac <span class=\"fs8\">000</span><span class=\"fs8\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3df y2258 w13e h148\"><div class=\"t m0 x27 h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3e0 y2258 w121 h148\"><div class=\"t m0 x125 h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3e6 y2258 w121 h148\"><div class=\"t m0 x27 h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3e7 y2258 wf3 h148\"><div class=\"t m0 x6b h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"> </span></div></td></tr><tr><td class=\"c x3de y2259 w13c h148\"><div class=\"t m0 x10 h25 y83a ff1 fs8 fc0 sc0 ls28 ws9e\">Financial liabil<span class=\"_ _1\"></span>ities<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3de y225a w13c h14a\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y225a w13d h14a\"><div class=\"t m0 x6b h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">438<span class=\"ffb\"> </span></div></td><td class=\"c x3df y225a w13e h14a\"><div class=\"t m0 xf7 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3e0 y225a w121 h14a\"><div class=\"t m0 xf7 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3e6 y225a w121 h14a\"><div class=\"t m0 x171 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3e7 y225a wf3 h14a\"><div class=\"t m0 xce h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">438 </div></td></tr><tr><td class=\"c x3de y225b w13c haa\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y225b w13d haa\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">728,887<span class=\"ffb\"> </span></div></td><td class=\"c x3df y225b w13e haa\"><div class=\"t m0 x4f h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">68,674<span class=\"ffb\"> </span></div></td><td class=\"c x3e0 y225b w121 haa\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">301,387<span class=\"ffb\"> </span></div></td><td class=\"c x3e6 y225b w121 haa\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">57,162<span class=\"ffb\"> </span></div></td><td class=\"c x3e7 y225b wf3 haa\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">1,156,110 </div></td></tr><tr><td class=\"c x3de y225c w13c h149\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls28 ws0\">Other liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y225c w13d h149\"><div class=\"t m0 x4f h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">12,850<span class=\"ffb\"> </span></div></td><td class=\"c x3df y225c w13e h149\"><div class=\"t m0 x10b h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">1,519<span class=\"ffb\"> </span></div></td><td class=\"c x3e0 y225c w121 h149\"><div class=\"t m0 x10b h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">3,709<span class=\"ffb\"> </span></div></td><td class=\"c x3e6 y225c w121 h149\"><div class=\"t m0 x27 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">6,367<span class=\"ffb\"> </span></div></td><td class=\"c x3e7 y225c wf3 h149\"><div class=\"t m0 x27 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">24,445 </div></td></tr><tr><td class=\"c x3de y225d w13c h149\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial liabiliti<span class=\"_ _1\"></span>es <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y225d w13d h149\"><div class=\"t m0 x26 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">742,175<span class=\"ffb\"> </span></div></td><td class=\"c x3df y225d w13e h149\"><div class=\"t m0 x4f h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">70,193<span class=\"ffb\"> </span></div></td><td class=\"c x3e0 y225d w121 h149\"><div class=\"t m0 x26 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">305,096<span class=\"ffb\"> </span></div></td><td class=\"c x3e6 y225d w121 h149\"><div class=\"t m0 x49 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">63,529<span class=\"ffb\"> </span></div></td><td class=\"c x3e7 y225d wf3 h149\"><div class=\"t m0 xd7 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">1,180,993 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs63b\">2.6<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Operational ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs63c\">Operational risk is the ri<span class=\"_ _0\"></span>sk of losses due to:<span class=\"_ _0\"></span><span class=\"ls1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs63d\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">defi<span class=\"_ _0\"></span>cient or e<span class=\"_ _0\"></span>rroneo<span class=\"_ _0\"></span>us internal<span class=\"_ _0\"></span> procedur<span class=\"_ _0\"></span>es;<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs63e\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls5 ws6\">human<span class=\"_ _1\"></span> or sys<span class=\"_ _1\"></span>tem errors<span class=\"_ _1\"></span>;</span> </div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs63f\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">external events,<span class=\"_ _1\"></span> including leg<span class=\"_ _1\"></span>al events;</span> </div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs640\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">inter<span class=\"_ _0\"></span>nal and ext<span class=\"_ _0\"></span>ernal f<span class=\"_ _0\"></span>raud;<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs641\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls5 ws6\">employm<span class=\"_ _1\"></span>ent p<span class=\"_ _1\"></span>ractices<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> workpl<span class=\"_ _1\"></span>ace safet<span class=\"_ _1\"></span>y;</span> </div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs642\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">clients, pro<span class=\"_ _1\"></span>ducts and b<span class=\"_ _1\"></span>usiness practices<span class=\"_ _1\"></span>;</span> </div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs643\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls7\">damage to physical assets;<span class=\"_ _11\"></span><span class=\"ls1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs644\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">business <span class=\"_ _0\"></span>disruptio<span class=\"_ _0\"></span>n and sys<span class=\"_ _0\"></span>tem f<span class=\"_ _0\"></span>ailur<span class=\"_ _0\"></span>es; and<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs645\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">exe<span class=\"_ _0\"></span>cution, de<span class=\"_ _0\"></span>liver<span class=\"_ _0\"></span>y and process manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs646\">Operationa<span class=\"_ _1\"></span>l risk is th<span class=\"_ _1\"></span>us often ass<span class=\"_ _1\"></span>ociated with s<span class=\"_ _1\"></span>pecific and one<span class=\"ls1 ws1\">-<span class=\"ls5 ws3f\">of<span class=\"_ _1\"></span>f events<span class=\"_ _1\"></span>, su<span class=\"_ _1\"></span>ch as<span class=\"_ _1\"></span> failure t<span class=\"_ _1\"></span>o obs<span class=\"_ _1\"></span>erve b<span class=\"_ _1\"></span>usin<span class=\"_ _1\"></span>ess </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs647\">or worki<span class=\"_ _0\"></span>ng proce<span class=\"_ _0\"></span>dures, def<span class=\"_ _0\"></span>ects or bre<span class=\"_ _0\"></span>akdowns of t<span class=\"_ _0\"></span>he tec<span class=\"_ _0\"></span>hnical infr<span class=\"_ _0\"></span>astructure<span class=\"_ _0\"></span>, cri<span class=\"_ _0\"></span>minal acts, fir<span class=\"_ _0\"></span>e and storm<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsa2 gs648\">damage or lit<span class=\"_ _0\"></span>igation. Operational risks are non<span class=\"ls1 ws1\">-</span>f<span class=\"_ _0\"></span>inancial risks. Operati<span class=\"_ _0\"></span>onal risk managem<span class=\"_ _0\"></span>ent relies on a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs649\">framew<span class=\"_ _0\"></span>ork of polic<span class=\"_ _0\"></span>ies implem<span class=\"_ _0\"></span>ente<span class=\"_ _0\"></span>d by the differe<span class=\"_ _0\"></span>nt operatio<span class=\"_ _0\"></span>nal funct<span class=\"_ _0\"></span>ions and whic<span class=\"_ _0\"></span>h implem<span class=\"_ _0\"></span>entatio<span class=\"_ _0\"></span>n is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs64a\">oversee<span class=\"_ _0\"></span>n by the Ri<span class=\"_ _0\"></span>sk Manage<span class=\"_ _0\"></span>ment F<span class=\"_ _0\"></span>unction.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls9 ws15a gs64b\">With respect to<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws56\">2025, a financial<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ement of<span class=\"_ _0\"></span> this risk is arri<span class=\"_ _0\"></span>ved at by the<span class=\"_ _0\"></span> Bank for<span class=\"_ _0\"></span> the purpose<span class=\"_ _0\"></span> of </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs64c\">allocating r<span class=\"_ _1\"></span>isk capital<span class=\"_ _1\"></span> using the stan<span class=\"_ _1\"></span>dardis<span class=\"_ _1\"></span>ed approach<span class=\"_ _1\"></span> for operational ris<span class=\"_ _1\"></span>k as pres<span class=\"_ _1\"></span>cribed under t<span class=\"_ _1\"></span>he CRR3 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs64d\">framew<span class=\"_ _0\"></span>ork. U<span class=\"_ _0\"></span>nder this approac<span class=\"_ _0\"></span>h, the capi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>quirement<span class=\"_ _0\"></span> for o<span class=\"ls7 ws26\">perational risk is de<span class=\"_ _0\"></span>termined on the basis of<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws46 gs64e\">the Bank\u2019s Business Indicator<span class=\"_ _0\"></span> (BI), a fi<span class=\"_ _0\"></span>nancial<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">state<span class=\"_ _1\"></span>ment</span>-<span class=\"ls5 ws2b\">d<span class=\"_ _1\"></span>eriv<span class=\"_ _1\"></span>ed pro<span class=\"_ _1\"></span>xy reflect<span class=\"_ _1\"></span>ing t<span class=\"_ _1\"></span>he sca<span class=\"_ _1\"></span>le an<span class=\"_ _1\"></span>d nat<span class=\"_ _1\"></span>ure of th<span class=\"_ _1\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws86 gs64f\">Bank\u2019s acti<span class=\"_ _0\"></span>vities,<span class=\"_ _0\"></span> whic<span class=\"_ _0\"></span>h is th<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>apped to the<span class=\"_ _0\"></span> Busines<span class=\"_ _0\"></span>s Indi<span class=\"_ _0\"></span>cator C<span class=\"_ _0\"></span>omponent<span class=\"_ _0\"></span> (BIC<span class=\"_ _0\"></span>) th<span class=\"ls7 ws127\">rough a <span class=\"_ _0\"></span>set of </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gs650\">progr<span class=\"_ _1\"></span>essiv<span class=\"_ _1\"></span>e regula<span class=\"_ _1\"></span>tory co<span class=\"_ _1\"></span>effic<span class=\"_ _1\"></span>ients<span class=\"_ _1\"></span>. The cap<span class=\"_ _1\"></span>ital r<span class=\"_ _1\"></span>equi<span class=\"_ _1\"></span>remen<span class=\"_ _1\"></span>t for o<span class=\"_ _1\"></span>perati<span class=\"_ _1\"></span>onal r<span class=\"_ _1\"></span>isk un<span class=\"_ _1\"></span>der t<span class=\"_ _1\"></span>his<span class=\"_ _1\"></span> method<span class=\"_ _1\"></span> was </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs651\">calculated a<span class=\"_ _1\"></span>t \u20ac4,330,000.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs652\">For 2024, usin<span class=\"_ _1\"></span>g the Basic Indicat<span class=\"_ _1\"></span>or Approach<span class=\"_ _1\"></span> as outlined in the CRR2 framework,<span class=\"_ _1\"></span> the capital req<span class=\"_ _1\"></span>uirement </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs653\">for operation<span class=\"_ _1\"></span>al risk un<span class=\"_ _1\"></span>der this method was<span class=\"_ _1\"></span> calculated at<span class=\"_ _1\"></span> \u20ac4,907,000.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs654\">2.7<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span><span class=\"ls7\">Capital risk m<span class=\"_ _0\"></span>anagement<span class=\"ls1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws40 gs655\">The Group\u2019<span class=\"_ _0\"></span>s objecti<span class=\"_ _0\"></span>ves when mana<span class=\"_ _0\"></span>ging ca<span class=\"_ _0\"></span>pital, w<span class=\"_ _0\"></span>hich is a broader<span class=\"_ _0\"></span> conce<span class=\"_ _0\"></span>pt than the \u2018e<span class=\"_ _0\"></span>quity\u2019 on the<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs656\">consolidated stateme<span class=\"_ _0\"></span>nt of financial position, are<span class=\"_ _0\"></span>:<span class=\"ls1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs657\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">to com<span class=\"_ _0\"></span>ply with t<span class=\"_ _0\"></span>he capit<span class=\"_ _0\"></span>al requi<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nts set by the<span class=\"_ _0\"></span> MFSA<span class=\"_ _0\"></span> with respe<span class=\"_ _0\"></span>ct to the<span class=\"_ _0\"></span> Bank\u2019s ope<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons;<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs658\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 ws18\">to safe<span class=\"_ _0\"></span>guard the<span class=\"_ _0\"></span> Group\u2019<span class=\"_ _0\"></span>s abi<span class=\"_ _0\"></span>lity to co<span class=\"_ _0\"></span>ntinue<span class=\"_ _0\"></span> as a<span class=\"_ _0\"></span> going c<span class=\"_ _0\"></span>oncer<span class=\"_ _0\"></span>n so that<span class=\"_ _0\"></span> it can<span class=\"_ _0\"></span> conti<span class=\"_ _0\"></span>nue to<span class=\"_ _0\"></span> provide<span class=\"_ _0\"></span> retur<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs659\">for share<span class=\"_ _0\"></span>holders and be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its f<span class=\"_ _0\"></span>or other<span class=\"_ _0\"></span> stakeholde<span class=\"_ _0\"></span>rs; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs65a\">\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls7\">to maintain a strong capital<span class=\"_ _0\"></span> base<span class=\"_ _0\"></span> to support the devel<span class=\"_ _0\"></span>opment of its business.<span class=\"ls1\"> <span class=\"_ _11\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs65b\">Accordi<span class=\"_ _0\"></span>ngly, the<span class=\"_ _0\"></span> purpose of<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> Group\u2019s ca<span class=\"_ _0\"></span>pital ma<span class=\"_ _0\"></span>nagem<span class=\"_ _0\"></span>ent is essenti<span class=\"_ _0\"></span>ally t<span class=\"_ _0\"></span>hat of e<span class=\"_ _0\"></span>nsuring<span class=\"_ _0\"></span> eff<span class=\"_ _0\"></span>icient use<span class=\"_ _0\"></span> of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs65c\">capital ta<span class=\"_ _1\"></span>king cognisa<span class=\"_ _1\"></span>nce of the Grou<span class=\"_ _1\"></span>p\u2019s risk<span class=\"_ _1\"></span> appetite an<span class=\"_ _1\"></span>d profile as w<span class=\"_ _1\"></span>ell as its ob<span class=\"_ _1\"></span>jectives<span class=\"_ _1\"></span> for busines<span class=\"_ _1\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs65d\">develo<span class=\"_ _1\"></span>pment.<span class=\"_ _1\"></span> The Gro<span class=\"_ _1\"></span>up is<span class=\"_ _1\"></span> subject<span class=\"_ _1\"></span> to exter<span class=\"_ _1\"></span><span class=\"ls8 ws53\">nally im<span class=\"_ _0\"></span>posed capi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents only i<span class=\"_ _0\"></span>n respe<span class=\"_ _0\"></span>ct of<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span>\u2019s </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs65e\">activities a<span class=\"_ _1\"></span>s a credit ins<span class=\"_ _1\"></span>titution. The Bank is<span class=\"_ _1\"></span> a licensed finan<span class=\"_ _1\"></span>cial services p<span class=\"_ _1\"></span>rovider an<span class=\"_ _1\"></span>d must therefore comply<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs65f\">with the<span class=\"_ _0\"></span> capital<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span>ments under<span class=\"_ _0\"></span> the re<span class=\"_ _0\"></span>levant l<span class=\"_ _0\"></span>aws and r<span class=\"_ _0\"></span>egula<span class=\"_ _0\"></span>tions. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs660\">The Bank\u2019s Executive<span class=\"_ _0\"></span> Team and ALCO are<span class=\"_ _0\"></span> responsible for m<span class=\"_ _0\"></span>anaging the Bank\u2019s<span class=\"_ _0\"></span> regulatory c<span class=\"_ _0\"></span>apital. The Bank<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs661\">aims to m<span class=\"_ _0\"></span>aintain a <span class=\"_ _0\"></span>strong c<span class=\"_ _0\"></span>apita<span class=\"_ _0\"></span>l base to <span class=\"_ _0\"></span>support<span class=\"_ _0\"></span> the risk<span class=\"_ _0\"></span>s i<span class=\"_ _0\"></span>nherent<span class=\"_ _0\"></span> in its busi<span class=\"_ _0\"></span>ness, i<span class=\"_ _0\"></span>nvest<span class=\"_ _0\"></span>ing in a<span class=\"_ _0\"></span>ccordanc<span class=\"_ _0\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws3d gs662\">with its s<span class=\"_ _1\"></span>trategy and<span class=\"_ _1\"></span> meeting regulato<span class=\"_ _1\"></span>ry capital requ<span class=\"_ _1\"></span>irement<span class=\"_ _1\"></span>s at all tim<span class=\"_ _1\"></span>es. Internal<span class=\"_ _1\"></span> capital a<span class=\"_ _1\"></span>dequacy </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs663\">assessment<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> aligne<span class=\"_ _0\"></span>d with <span class=\"_ _0\"></span>the re<span class=\"_ _0\"></span>gulator<span class=\"_ _0\"></span>y and s<span class=\"_ _0\"></span>upervisor<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents and<span class=\"_ _0\"></span> with the<span class=\"_ _0\"></span> Bank<span class=\"_ _0\"></span>\u2019s as<span class=\"_ _0\"></span>sessment<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs664\">of risk, in<span class=\"_ _1\"></span>cluding credit,<span class=\"_ _1\"></span> market and op<span class=\"_ _1\"></span>erational ris<span class=\"_ _1\"></span>ks. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs665\">The B<span class=\"_ _0\"></span>ank manage<span class=\"_ _0\"></span>s its capi<span class=\"_ _0\"></span>tal <span class=\"_ _0\"></span>requi<span class=\"_ _0\"></span>rements base<span class=\"_ _0\"></span>d on i<span class=\"_ _0\"></span>ntern<span class=\"_ _0\"></span>al targ<span class=\"_ _0\"></span>ets, whi<span class=\"_ _0\"></span>ch are <span class=\"_ _0\"></span>set abo<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span> the pre<span class=\"_ _0\"></span>scribe<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12a gs666\">minimum cap<span class=\"_ _1\"></span>ital require<span class=\"_ _1\"></span>ments, i.<span class=\"_ _1\"></span>e. levels establis<span class=\"_ _1\"></span>hed within t<span class=\"_ _1\"></span>he CRR and<span class=\"_ _1\"></span> the additio<span class=\"_ _1\"></span>nal capital </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs667\">require<span class=\"_ _0\"></span>ments re<span class=\"_ _0\"></span>quired by the<span class=\"_ _0\"></span> MFSA<span class=\"_ _0\"></span> for supe<span class=\"_ _0\"></span>rvisory purpos<span class=\"lsf ws23\">es.<span class=\"_ _bc\"> </span></span><span class=\"lsf ws23\"><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs669\">Minimu<span class=\"_ _1\"></span>m capit<span class=\"_ _1\"></span>al requ<span class=\"_ _1\"></span>iremen<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span> are compu<span class=\"_ _1\"></span>ted for cred<span class=\"_ _1\"></span>it, ma<span class=\"_ _1\"></span>rket an<span class=\"_ _1\"></span>d operat<span class=\"_ _1\"></span>ional<span class=\"_ _1\"></span> risks.<span class=\"_ _1\"></span> The <span class=\"ls24 ws9\">CRR<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span></span>requ<span class=\"_ _1\"></span>ires a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws7d gs66a\">bank to maintain a<span class=\"_ _0\"></span> ratio of<span class=\"_ _0\"></span> total regulator<span class=\"_ _0\"></span>y capital to<span class=\"_ _0\"></span> ri<span class=\"_ _0\"></span>sk<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">weigh<span class=\"_ _1\"></span>ted  <span class=\"ls8 ws62\">exposure amo<span class=\"_ _0\"></span>unts<span class=\"ls1 ws1\">  <span class=\"ls9 ws15b\">(the \u2018Capital </span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws117 gs66b\">require<span class=\"_ _0\"></span>ments rati<span class=\"_ _0\"></span>o\u2019) at<span class=\"_ _0\"></span> or a<span class=\"_ _0\"></span>bove the pr<span class=\"_ _0\"></span>escribe<span class=\"_ _0\"></span>d mini<span class=\"_ _0\"></span>mum of<span class=\"_ _0\"></span> 8%. T<span class=\"_ _0\"></span>he Ba<span class=\"_ _0\"></span>nk is co<span class=\"_ _0\"></span>mpliant<span class=\"_ _0\"></span> with the<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs66c\">requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> </span><span class=\"ls6\">laid d<span class=\"_ _1\"></span>own in the CRR<span class=\"ls1 ws1\">. </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs66d\">In August 20<span class=\"_ _0\"></span>25, the<span class=\"_ _0\"></span> Bank re<span class=\"_ _0\"></span>ceive<span class=\"_ _0\"></span>d from the<span class=\"_ _0\"></span> MFSA a S<span class=\"_ _0\"></span>REP Dec<span class=\"_ _0\"></span>ision le<span class=\"_ _0\"></span>tter,<span class=\"_ _0\"></span> whereby in additi<span class=\"_ _0\"></span>on to t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs66e\">regula<span class=\"_ _0\"></span>tory requi<span class=\"_ _0\"></span>rement<span class=\"_ _0\"></span>s stated above<span class=\"_ _0\"></span>, the Bank<span class=\"_ _0\"></span> is expected to m<span class=\"_ _0\"></span>aintain a<span class=\"_ _0\"></span> Pillar 2 Requi<span class=\"_ _0\"></span>rement<span class=\"_ _0\"></span> (\u2018P2R<span class=\"_ _0\"></span>\u2019) of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs66f\">3.00% to<span class=\"_ _1\"></span> be held<span class=\"_ _1\"></span> in exces<span class=\"_ _1\"></span>s of<span class=\"_ _1\"></span> the mini<span class=\"_ _1\"></span>mum own fu<span class=\"_ _1\"></span>nds<span class=\"_ _1\"></span> requir<span class=\"_ _1\"></span>ement an<span class=\"_ _1\"></span>d to b<span class=\"_ _1\"></span>e mainta<span class=\"_ _1\"></span>ined a<span class=\"_ _1\"></span>t all ti<span class=\"_ _1\"></span>mes in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs670\">accordan<span class=\"_ _1\"></span>ce with Article 104a <span class=\"_ _1\"></span>of the Capital Req<span class=\"_ _1\"></span>uirements D<span class=\"_ _1\"></span>irective (\u2018C<span class=\"_ _1\"></span>RD\u2019).<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs671\">I<span class=\"ls6 wse8\">n addit<span class=\"_ _1\"></span>ion to the p<span class=\"_ _1\"></span>rescribed minimu<span class=\"_ _1\"></span>m, Banking Ru<span class=\"_ _1\"></span>le BR/15<span class=\"_ _1\"></span>: \u2018Capital Bu<span class=\"_ _1\"></span>ffers of C<span class=\"_ _1\"></span>redit Inst<span class=\"_ _1\"></span>itutions </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs672\">authorised u<span class=\"_ _0\"></span>nder t<span class=\"_ _0\"></span>he Banki<span class=\"_ _0\"></span>ng A<span class=\"_ _0\"></span>ct 199<span class=\"_ _0\"></span>4\u2019 requi<span class=\"_ _0\"></span>res banks<span class=\"_ _0\"></span> to ho<span class=\"_ _0\"></span>ld addit<span class=\"_ _0\"></span>ional <span class=\"_ _0\"></span>buffe<span class=\"_ _0\"></span>rs, nam<span class=\"_ _0\"></span>ely the<span class=\"_ _0\"></span> \u2018capit<span class=\"_ _0\"></span>al </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs673\">conservati<span class=\"_ _0\"></span>on buffe<span class=\"_ _0\"></span>r\u2019 and the<span class=\"_ _0\"></span> \u2018count<span class=\"_ _0\"></span>ercyc<span class=\"_ _0\"></span>lical<span class=\"_ _0\"></span> buffer\u2019.<span class=\"_ _0\"></span> A<span class=\"ls6 ws1d\">utomati<span class=\"_ _1\"></span>c restrictions<span class=\"_ _1\"></span> on capita<span class=\"_ _1\"></span>l distribution<span class=\"_ _1\"></span>s apply if </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs674\">the Ban<span class=\"_ _1\"></span>k\u2019s<span class=\"_ _1\"></span> CET1 cap<span class=\"_ _1\"></span>ital fal<span class=\"_ _1\"></span>ls belo<span class=\"_ _1\"></span>w the l<span class=\"_ _1\"></span>evel of it<span class=\"_ _1\"></span>s comb<span class=\"_ _1\"></span>ined<span class=\"_ _1\"></span> buffer<span class=\"ls1 ws1\"> </span><span class=\"ws7\">r<span class=\"_ _1\"></span>equire<span class=\"_ _1\"></span>ment<span class=\"ls1 ws1\">.<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws124 gs675\">The B<span class=\"_ _0\"></span>ank is requi<span class=\"_ _0\"></span>red to<span class=\"_ _0\"></span> mainta<span class=\"_ _0\"></span>in a capita<span class=\"_ _0\"></span>l co<span class=\"_ _0\"></span>nservation<span class=\"_ _0\"></span> buff<span class=\"_ _0\"></span>er of<span class=\"_ _0\"></span> 2.5%<span class=\"_ _0\"></span> and the in<span class=\"_ _0\"></span>stitutio<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">specific </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs676\">countercycli<span class=\"_ _1\"></span>cal buffer as<span class=\"_ _1\"></span> determined by Art<span class=\"_ _1\"></span>icle 140 (1) of Directive 2013/3<span class=\"_ _1\"></span>6/EU <span class=\"ls7 ws82\">(known as CRD)<span class=\"ls1 ws1\">, <span class=\"_ _13\"></span><span class=\"ls8 ws16\">both <span class=\"_ _13\"></span><span class=\"lsf ws23\">o<span class=\"_ _1\"></span>f </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs677\">which are<span class=\"ls1 ws1\"> </span>compo<span class=\"_ _1\"></span>sed of CET1 <span class=\"_ _1\"></span>capital. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws85 gs678\">CRD contempla<span class=\"_ _1\"></span>tes a coun<span class=\"_ _1\"></span>tercyclical b<span class=\"_ _1\"></span>uffer in line w<span class=\"_ _1\"></span>ith Basel III, i<span class=\"_ _1\"></span>n the form of an in<span class=\"_ _1\"></span>stitution<span class=\"ls1 ws1\">-</span><span class=\"ws8\">s<span class=\"_ _1\"></span>pecific </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws62 gs679\">counterc<span class=\"_ _0\"></span>yclic<span class=\"_ _0\"></span>al buffer<span class=\"_ _0\"></span> and the appli<span class=\"_ _0\"></span>cation of<span class=\"_ _0\"></span> incre<span class=\"_ _0\"></span>ased re<span class=\"_ _0\"></span>quireme<span class=\"_ _0\"></span>nts to addre<span class=\"_ _0\"></span>ss mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-</span>prude<span class=\"_ _0\"></span>ntial or </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs67a\">systemic ris<span class=\"_ _1\"></span>k. This is s<span class=\"_ _1\"></span>et in the r<span class=\"_ _1\"></span>ange of 0<span class=\"ls1 ws1\">-<span class=\"ls5 ws2b\">2.5<span class=\"_ _1\"></span>% of rel<span class=\"_ _1\"></span>evan<span class=\"_ _1\"></span>t credi<span class=\"_ _1\"></span>t expos<span class=\"_ _1\"></span>ure ri<span class=\"_ _1\"></span>sk</span>-<span class=\"ls5 ws7\">weigh<span class=\"_ _1\"></span>ted <span class=\"ls8 ws13\">exposure am<span class=\"_ _0\"></span>ounts<span class=\"ls22 ws7f\">, </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs67b\">where<span class=\"_ _0\"></span>by the rat<span class=\"_ _0\"></span>e shall c<span class=\"_ _0\"></span>onsist of the<span class=\"_ _0\"></span> weight<span class=\"_ _0\"></span>ed avera<span class=\"_ _0\"></span>ge of the<span class=\"_ _0\"></span> \u2018counter<span class=\"_ _0\"></span>cyclic<span class=\"_ _0\"></span>al buffe<span class=\"_ _0\"></span>r\u2019 rate<span class=\"_ _0\"></span>s that apply in the<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs67c\">juris<span class=\"_ _1\"></span>dicti<span class=\"_ _1\"></span>on wher<span class=\"_ _1\"></span>e the relev<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t expos<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>re loca<span class=\"_ _1\"></span>ted. Giv<span class=\"_ _1\"></span>en tha<span class=\"_ _1\"></span>t the lo<span class=\"_ _1\"></span>cal gro<span class=\"_ _1\"></span>up\u2019s exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res are <span class=\"ls6 ws8\">essen<span class=\"_ _1\"></span>tially<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs67d\">all contain<span class=\"_ _1\"></span>ed within Malt<span class=\"_ _1\"></span>a, th<span class=\"ls1 ws1\">e </span><span class=\"ls5\">buffer </span><span class=\"ws8\">is<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><span class=\"ls9\">set at <span class=\"ls5 ws6\">a mini<span class=\"_ _1\"></span>mum amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f <span class=\"ls1 ws1\">0<span class=\"lsa ws24\">.0</span>2</span><span class=\"ws7\">%.<span class=\"ls1 ws1\"> </span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs67e\">Moreover, du<span class=\"_ _1\"></span>ring 202<span class=\"ls1 ws1\">3<span class=\"ls7 ws6d\">, the Centr<span class=\"_ _0\"></span>al Bank of Malta<span class=\"_ _0\"></span> introduce<span class=\"_ _0\"></span>d a Sectoral S<span class=\"_ _0\"></span>ystemic Ri<span class=\"_ _0\"></span>sk Buff<span class=\"_ _0\"></span>er (\u2018sSyRB\u2019)<span class=\"_ _0\"></span> of </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs67f\">1% on risk<span class=\"ls1 ws1\">-</span>weigh<span class=\"_ _1\"></span>ted domes<span class=\"_ _1\"></span>tic mortgage <span class=\"_ _1\"></span>exposures<span class=\"_ _1\"></span> to hous<span class=\"_ _1\"></span>eholds to be incr<span class=\"_ _1\"></span>eased to 1.5% d<span class=\"_ _1\"></span>uring 2024.<span class=\"ls1 ws1\"> <span class=\"ls18 ws74\">The </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs680\">buffer remained<span class=\"_ _1\"></span> in place duri<span class=\"_ _1\"></span>ng 2025.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs681\">In addition, a P<span class=\"_ _0\"></span>illar<span class=\"_ _0\"></span> 2 Guidance<span class=\"_ _0\"></span> (\u2018P2G\u2019)<span class=\"_ _0\"></span> of 2% and made up enti<span class=\"_ _0\"></span>rely of C<span class=\"_ _0\"></span>ET 1 Capita<span class=\"_ _0\"></span>l is to be held o<span class=\"_ _0\"></span>ver and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs682\">abov<span class=\"_ _1\"></span>e the Ov<span class=\"_ _1\"></span>erall Ca<span class=\"_ _1\"></span>pital<span class=\"_ _1\"></span> Requ<span class=\"_ _1\"></span>irement (\u2018<span class=\"_ _1\"></span>OCR\u2019<span class=\"_ _1\"></span>) of 13.<span class=\"_ _1\"></span><span class=\"ls6 ws8\">64</span><span class=\"ws7\">%.<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs683\">During the fin<span class=\"_ _1\"></span>ancial year ended 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"ls5 ws72\">, th<span class=\"_ _1\"></span>e Bank\u2019<span class=\"_ _1\"></span>s OCR a<span class=\"_ _1\"></span>nd P2G were met<span class=\"_ _1\"></span> at all<span class=\"_ _1\"></span> times. Th<span class=\"_ _1\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs684\">Bank\u2019<span class=\"_ _1\"></span>s OCR a<span class=\"_ _1\"></span>nd P2G wer<span class=\"_ _1\"></span>e <span class=\"ls6 ws8\">15.64</span>% (2<span class=\"_ _1\"></span>02<span class=\"ls1 ws1\">4<span class=\"ls6 ws23\">: 15.<span class=\"ws8\">93<span class=\"ws7\">%) as<span class=\"_ _1\"></span> at 31 December 2<span class=\"_ _1\"></span>02</span></span></span>5. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs685\">The C<span class=\"_ _0\"></span>apital re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>ments rati<span class=\"_ _0\"></span>o expr<span class=\"_ _0\"></span>esses Ow<span class=\"_ _0\"></span>n funds<span class=\"_ _0\"></span> as a <span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>oportion of<span class=\"_ _0\"></span> ri<span class=\"_ _0\"></span>sk<span class=\"ls1 ws1\">-<span class=\"ls5 ws2b\">weighted a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s and o<span class=\"_ _1\"></span>ff</span>-<span class=\"ls6 ws8\">balance </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws85 gs686\">sheet ins<span class=\"_ _1\"></span>truments in rela<span class=\"_ _1\"></span>tion to Credit Ri<span class=\"_ _1\"></span>sk together w<span class=\"_ _1\"></span>ith no<span class=\"_ _1\"></span>tional ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\">-<span class=\"ls5 ws81\">weighted a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> in res<span class=\"_ _1\"></span>pect of </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs687\">Operational Risk and Marke<span class=\"_ _0\"></span>t Risk.  <span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls18 ws130 gs688\">The ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\">-<span class=\"ls5 ws22\">weigh<span class=\"_ _1\"></span>ted<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets are mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> by mean<span class=\"_ _1\"></span>s of a<span class=\"_ _1\"></span> hiera<span class=\"_ _1\"></span>rchy o<span class=\"_ _1\"></span>f risk<span class=\"_ _1\"></span> weights<span class=\"_ _1\"></span> class<span class=\"_ _1\"></span>ified<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ing to<span class=\"_ _1\"></span> the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs689\">natu<span class=\"_ _1\"></span>re of <span class=\"ls1 ws1\">\u2013 <span class=\"_ _13\"></span></span>and<span class=\"_ _1\"></span> reflect<span class=\"_ _1\"></span>ing an<span class=\"_ _1\"></span> est<span class=\"_ _1\"></span>imate of c<span class=\"_ _1\"></span>redit<span class=\"_ _1\"></span>, market a<span class=\"_ _1\"></span>nd<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> risks<span class=\"_ _1\"></span> assoc<span class=\"_ _1\"></span>iated wit<span class=\"_ _1\"></span>h <span class=\"ls1 ws1\">\u2013 <span class=\"_ _13\"></span><span class=\"ls7 ws6d\">each asset and </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs68a\">counterpa<span class=\"_ _1\"></span>rty, takin<span class=\"_ _1\"></span>g into account a<span class=\"_ _1\"></span>ny eligib<span class=\"ls7 ws14\">le collateral or guarantee<span class=\"_ _0\"></span>s. A similar tre<span class=\"_ _0\"></span>atment is adopted for<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs68b\">off<span class=\"ls1 ws1\">-</span><span class=\"ws2f\">bala<span class=\"_ _1\"></span>nce s<span class=\"_ _1\"></span>heet in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments,<span class=\"_ _1\"></span> with some a<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> to reflect t<span class=\"_ _1\"></span>he more co<span class=\"_ _1\"></span>nting<span class=\"_ _1\"></span>ent n<span class=\"_ _1\"></span>atur<span class=\"_ _1\"></span>e of the </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs68c\">potential<span class=\"_ _1\"></span> losses. Ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">wei<span class=\"_ _0\"></span>ghted assets are<span class=\"_ _0\"></span> mea<span class=\"_ _0\"></span>sured using t<span class=\"_ _0\"></span>he \u2019S<span class=\"_ _0\"></span>tandardise<span class=\"_ _0\"></span>d Approach\u2019 f<span class=\"_ _11\"></span>or cred<span class=\"ls6 ws1c\">it risk with </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs68d\">risk<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">weights being<span class=\"_ _0\"></span> assigned t<span class=\"_ _0\"></span>o asset<span class=\"_ _0\"></span>s and off<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">balance shee<span class=\"_ _1\"></span>t instrumen<span class=\"_ _1\"></span>ts accordin<span class=\"_ _1\"></span>g to their asset clas<span class=\"_ _1\"></span>s and </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws21 gs68e\">credit<span class=\"_ _1\"></span> risk mit<span class=\"_ _1\"></span>igatio<span class=\"_ _1\"></span>n. For<span class=\"_ _1\"></span> the determina<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f credit a<span class=\"_ _1\"></span>ssess<span class=\"_ _1\"></span>ments,<span class=\"_ _1\"></span> indepen<span class=\"_ _1\"></span>dent r<span class=\"_ _1\"></span>ating agen<span class=\"_ _1\"></span>cies ar<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs68f\">nominate<span class=\"_ _0\"></span>d as requir<span class=\"_ _0\"></span>ed.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs690\">Total risk<span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">weighted ex<span class=\"_ _0\"></span>posure amounts are<span class=\"_ _0\"></span> dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d by multiplying<span class=\"_ _0\"></span> the capi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>quirements fo<span class=\"_ _0\"></span>r marke<span class=\"_ _0\"></span>t </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs691\">risk and<span class=\"_ _1\"></span> operational ris<span class=\"_ _1\"></span>k by 12.5 (i.e. the reciproca<span class=\"_ _1\"></span>l of the minimum cap<span class=\"_ _1\"></span>ital ratio o<span class=\"_ _1\"></span>f 8%) and ad<span class=\"_ _1\"></span>ding the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs692\">resul<span class=\"_ _1\"></span>ting fig<span class=\"_ _1\"></span>ures to<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>um of ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\">-</span>weight<span class=\"_ _1\"></span>ed e<span class=\"lsa ws44\">xposu<span class=\"_ _1\"></span>re amounts for credit risk. </span><span class=\"lsa ws44\"><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs694\">2.8<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Fair values o<span class=\"_ _1\"></span>f financial ass<span class=\"_ _1\"></span>ets and liabili<span class=\"_ _1\"></span>ties<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs695\">2.8.1<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts measur<span class=\"_ _0\"></span>ed at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs696\">The G<span class=\"_ _0\"></span>roup\u2019s fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>ruments w<span class=\"_ _0\"></span>hich ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> include<span class=\"_ _0\"></span> the G<span class=\"_ _0\"></span>roup\u2019s de<span class=\"_ _0\"></span>bt securi<span class=\"_ _0\"></span>ties and<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs697\">equity instr<span class=\"_ _0\"></span>uments m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at FVOC<span class=\"_ _0\"></span>I (note 6)<span class=\"_ _0\"></span>.  The Group i<span class=\"_ _0\"></span>s require<span class=\"_ _0\"></span>d to disclo<span class=\"_ _0\"></span>se fair<span class=\"_ _0\"></span> value me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nts </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs698\">by lev<span class=\"_ _1\"></span>el of th<span class=\"_ _1\"></span>e fol<span class=\"_ _1\"></span>lowing<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alu<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ure<span class=\"ls8 ws3c\">ment hierarc<span class=\"_ _0\"></span>hy for financ<span class=\"_ _0\"></span>ial instrume<span class=\"_ _0\"></span>nts that are<span class=\"_ _0\"></span> measured i<span class=\"_ _0\"></span>n </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs699\">the statement of<span class=\"_ _0\"></span> financial position at f<span class=\"_ _0\"></span>air value:<span class=\"ls1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs69a\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws6\">Quoted<span class=\"_ _1\"></span> prices<span class=\"_ _1\"></span> (una<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>ted) in a<span class=\"_ _1\"></span>ctive mar<span class=\"_ _1\"></span>kets fo<span class=\"_ _1\"></span>r ident<span class=\"_ _1\"></span>ical a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s (Lev<span class=\"_ _1\"></span>el 1).</span> </div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs69b\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs ot<span class=\"_ _0\"></span>her than<span class=\"_ _0\"></span> quoted pri<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s include<span class=\"_ _0\"></span>d withi<span class=\"_ _0\"></span>n Level<span class=\"_ _0\"></span> 1 that<span class=\"_ _0\"></span> are obse<span class=\"_ _0\"></span>rvable f<span class=\"_ _0\"></span>or the as<span class=\"_ _0\"></span>set <span class=\"_ _0\"></span>eithe<span class=\"_ _0\"></span>r dire<span class=\"_ _0\"></span>ctly </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs69c\">i.e. as prices<span class=\"_ _1\"></span>, or indirectly<span class=\"_ _1\"></span> i.e. derived from pric<span class=\"_ _1\"></span>es (Level 2).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs69d\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs for t<span class=\"_ _0\"></span>he asse<span class=\"_ _0\"></span>t that are<span class=\"_ _0\"></span> not base<span class=\"_ _0\"></span>d on obse<span class=\"_ _0\"></span>rvable m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>t data i.e<span class=\"_ _0\"></span>. unobservabl<span class=\"_ _0\"></span>e inpu<span class=\"_ _0\"></span>ts (Leve<span class=\"_ _0\"></span>l 3).<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs69e\">The IF<span class=\"_ _0\"></span>RS 13 hierar<span class=\"_ _0\"></span>chy of val<span class=\"_ _0\"></span>uation tec<span class=\"_ _0\"></span>hniques is base<span class=\"_ _0\"></span>d on w<span class=\"_ _0\"></span>hether<span class=\"_ _0\"></span> the inputs to<span class=\"_ _0\"></span> those val<span class=\"_ _0\"></span>uation te<span class=\"_ _0\"></span>chniques<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs69f\">are obser<span class=\"_ _0\"></span>vable or<span class=\"_ _0\"></span> unob<span class=\"_ _0\"></span>servabl<span class=\"_ _0\"></span>e. Obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs re<span class=\"_ _0\"></span>fle<span class=\"_ _0\"></span>ct mar<span class=\"_ _0\"></span>ket data <span class=\"_ _0\"></span>obtaine<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> inde<span class=\"_ _0\"></span>pendent<span class=\"_ _0\"></span> sources;<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6a0\">unobservable<span class=\"_ _0\"></span> inputs r<span class=\"_ _0\"></span>efle<span class=\"_ _0\"></span>ct the<span class=\"_ _0\"></span> Bank\u2019s ma<span class=\"_ _0\"></span>rket assum<span class=\"_ _0\"></span>ptions. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs6a1\">The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs only r<span class=\"_ _0\"></span>eleva<span class=\"_ _0\"></span>nt and o<span class=\"_ _0\"></span>bservable<span class=\"_ _0\"></span> mark<span class=\"_ _0\"></span>et pr<span class=\"_ _0\"></span>ices i<span class=\"_ _0\"></span>n its val<span class=\"_ _0\"></span>uations.<span class=\"_ _0\"></span> Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span>s of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws84 gs6a2\">assets and financial liabiliti<span class=\"_ _0\"></span>es that are traded in acti<span class=\"_ _0\"></span>ve markets are based on quoted market pri<span class=\"_ _0\"></span>ces or deale<span class=\"_ _0\"></span>r </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6a3\">price quo<span class=\"_ _0\"></span>tations.  <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs6a4\">The fair va<span class=\"_ _1\"></span>lue of the <span class=\"_ _1\"></span>Bank\u2019s fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets measured a<span class=\"_ _1\"></span>t FVO<span class=\"_ _1\"></span>CI, which ar<span class=\"_ _1\"></span>e principally<span class=\"_ _1\"></span> traded in<span class=\"_ _1\"></span> active </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs6a5\">markets<span class=\"_ _1\"></span>, is ma<span class=\"_ _1\"></span>inly<span class=\"_ _1\"></span> based<span class=\"_ _1\"></span> on q<span class=\"_ _1\"></span>uot<span class=\"_ _1\"></span>ed market<span class=\"_ _1\"></span> pric<span class=\"_ _1\"></span>es. Hen<span class=\"_ _1\"></span>ce, a<span class=\"_ _1\"></span>s a<span class=\"_ _1\"></span>t 31 Dec<span class=\"_ _1\"></span>ember <span class=\"_ _1\"></span>202<span class=\"ls1 ws1\">5 <span class=\"ls8 wsa\">and 2<span class=\"_ _1\"></span>02</span>4<span class=\"ls6 ws7\">, the principal </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs6a6\">financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents that ar<span class=\"_ _0\"></span>e measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span>, consisting of<span class=\"_ _0\"></span> the inve<span class=\"_ _0\"></span>stments measur<span class=\"_ _0\"></span>ed at FV<span class=\"_ _0\"></span>OCI, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6a7\">were valued<span class=\"_ _1\"></span> using prin<span class=\"_ _1\"></span>cipally Level 1 inpu<span class=\"_ _1\"></span>ts. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gs6a8\">No tr<span class=\"_ _1\"></span>ansfer<span class=\"_ _1\"></span>s of fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> inst<span class=\"_ _1\"></span>ruments b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ent le<span class=\"_ _1\"></span>vels o<span class=\"_ _1\"></span>f the fair v<span class=\"_ _1\"></span>alue h<span class=\"_ _1\"></span>ierarc<span class=\"_ _1\"></span>hy h<span class=\"_ _1\"></span>ave oc<span class=\"_ _1\"></span>curred </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6a9\">during th<span class=\"_ _1\"></span>e financial years<span class=\"_ _1\"></span> ended 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 </span>and<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">4<span class=\"lsa ws24\">. </span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs6aa\">2.8.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts not me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air value<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs6ab\">Loans and advances<span class=\"_ _0\"></span> to banks<span class=\"_ _0\"></span> and customers <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs6ac\"> <span class=\"_ _95\"> </span><span class=\"ls5 ws3b\">These ca<span class=\"_ _1\"></span>tego<span class=\"_ _1\"></span>ries of a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> are pr<span class=\"_ _1\"></span>esented<span class=\"_ _1\"></span> net of ex<span class=\"_ _1\"></span>pect<span class=\"_ _1\"></span>ed cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>s all<span class=\"_ _1\"></span>owances<span class=\"_ _1\"></span>. As at<span class=\"_ _1\"></span> 31 December<span class=\"_ _1\"></span> 2024,<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs6ad\">the Group\u2019s<span class=\"_ _1\"></span> aggregate carryin<span class=\"_ _1\"></span>g amount in t<span class=\"_ _1\"></span>his respect was \u20ac991,534,<span class=\"_ _1\"></span>000 (2024: \u20ac918,87<span class=\"_ _1\"></span>0,000). The loa<span class=\"_ _1\"></span>ns </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs6ae\">and advance<span class=\"_ _0\"></span>s to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s, whi<span class=\"_ _0\"></span>ch are<span class=\"_ _0\"></span> subject to <span class=\"ls5 ws72\">floating inter<span class=\"_ _1\"></span>est rat<span class=\"_ _1\"></span>es, ar<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ed at the a<span class=\"_ _1\"></span>mount of </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs6af\">\u20ac743,646,000 (<span class=\"_ _1\"></span>2024: \u20ac684,<span class=\"_ _1\"></span>969,000). Th<span class=\"_ _1\"></span>is carrying v<span class=\"_ _1\"></span>alue ap<span class=\"_ _1\"></span>proximates to<span class=\"_ _1\"></span> fair valu<span class=\"_ _1\"></span>e in view of th<span class=\"_ _1\"></span>e fact th<span class=\"_ _1\"></span>at </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gs6b0\">these lo<span class=\"_ _0\"></span>ans and advances ar<span class=\"_ _0\"></span>e repr<span class=\"_ _0\"></span>iceable at the<span class=\"_ _0\"></span> Group\u2019s discr<span class=\"_ _0\"></span>etion. T<span class=\"_ _0\"></span>he carryi<span class=\"_ _0\"></span>ng amount of loans and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs6b1\">adv<span class=\"_ _1\"></span>ances t<span class=\"_ _1\"></span>o custo<span class=\"_ _1\"></span>mers, wh<span class=\"_ _1\"></span>ich are su<span class=\"_ _1\"></span>bject to<span class=\"_ _1\"></span> fixed in<span class=\"_ _1\"></span>terest rat<span class=\"_ _1\"></span>es, is d<span class=\"_ _1\"></span>eemed fairly<span class=\"_ _1\"></span> close t<span class=\"_ _1\"></span>o fair va<span class=\"_ _1\"></span>lue in view<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs6b2\">of their maturity profi<span class=\"_ _0\"></span>le. A significant part of loans and advance<span class=\"_ _0\"></span>s to customers are repayable on cal<span class=\"_ _0\"></span>l and at </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs6b3\">short n<span class=\"_ _1\"></span>otice, as highligh<span class=\"_ _1\"></span>ted<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls7 ws9f\">in Note 8. Loans and advances to banks with a f<span class=\"_ _0\"></span>ixed term<span class=\"_ _0\"></span> are carri<span class=\"_ _0\"></span>ed at the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws51 gs6b4\">amount of \u20ac41,<span class=\"_ _1\"></span>829,000 (2024: \u20ac27,243,<span class=\"_ _1\"></span>000). Other loa<span class=\"_ _1\"></span>ns and advan<span class=\"_ _1\"></span>ces to banks are predomina<span class=\"_ _1\"></span>ntly </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6b5\">repayabl<span class=\"_ _1\"></span>e on call and a<span class=\"_ _1\"></span>t short notice, a<span class=\"_ _1\"></span>s disclos<span class=\"_ _1\"></span>ed in Note 7 to th<span class=\"_ _1\"></span>e financial sta<span class=\"_ _1\"></span>te<span class=\"ls5 ws6\">ments. G<span class=\"_ _1\"></span>eneral<span class=\"_ _1\"></span>ly, in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws29 gs6b6\">rates on loans and ad<span class=\"_ _0\"></span>vances re<span class=\"_ _0\"></span>flect curre<span class=\"_ _0\"></span>nt market rate<span class=\"_ _0\"></span>s, and the Director<span class=\"_ _0\"></span>s consider the c<span class=\"_ _0\"></span>arrying amounts </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6b7\">to be a reaso<span class=\"_ _1\"></span>nable estimate o<span class=\"_ _1\"></span>f their fair value pr<span class=\"_ _1\"></span>incipally in<span class=\"_ _1\"></span> view of the relativ<span class=\"_ _1\"></span>ely short<span class=\"_ _1\"></span> periods to<span class=\"_ _1\"></span> repricing </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lsa ws96 gs6b8\">or maturit<span class=\"ls5 ws3b\">y fro<span class=\"_ _1\"></span>m the <span class=\"_ _1\"></span>end o<span class=\"_ _1\"></span>f the r<span class=\"_ _1\"></span>eporti<span class=\"_ _1\"></span>ng pe<span class=\"_ _1\"></span>riods<span class=\"_ _1\"></span>. The <span class=\"_ _1\"></span>curr<span class=\"_ _1\"></span>ent mark<span class=\"_ _1\"></span>et in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates<span class=\"_ _1\"></span> util<span class=\"_ _1\"></span>ised for<span class=\"_ _1\"></span> fair<span class=\"_ _1\"></span> value<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws83 gs6b9\">estima<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> which r<span class=\"_ _1\"></span>eflec<span class=\"_ _1\"></span>t ess<span class=\"_ _1\"></span>entia<span class=\"_ _1\"></span>lly th<span class=\"_ _1\"></span>e respec<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e inst<span class=\"_ _1\"></span>ruments<span class=\"_ _1\"></span>\u2019 con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al int<span class=\"_ _1\"></span>erest r<span class=\"_ _1\"></span>ates<span class=\"_ _1\"></span>, are d<span class=\"_ _1\"></span>eemed<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6ba\">observa<span class=\"_ _1\"></span>ble and accor<span class=\"_ _1\"></span>dingly these fair va<span class=\"_ _1\"></span>lue estimate<span class=\"ls5 ws6\">s<span class=\"_ _1\"></span> hav<span class=\"_ _1\"></span>e been cat<span class=\"_ _1\"></span>egoris<span class=\"_ _1\"></span>ed as L<span class=\"_ _1\"></span>evel 2.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs6bc\">Trade and other<span class=\"_ _0\"></span> receivables<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs6bd\"> <span class=\"_ _95\"> </span><span class=\"ls8 ws11\">This cate<span class=\"_ _0\"></span>gory pr<span class=\"_ _0\"></span>incipall<span class=\"_ _0\"></span>y represe<span class=\"_ _0\"></span>nts short<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">term trade r<span class=\"_ _1\"></span>ecei<span class=\"_ _1\"></span>va<span class=\"_ _1\"></span>bles ar<span class=\"_ _1\"></span>ising<span class=\"_ _1\"></span> from pos<span class=\"_ _1\"></span>tal o<span class=\"_ _1\"></span>perati<span class=\"_ _1\"></span>ons i<span class=\"_ _1\"></span>n resp<span class=\"_ _1\"></span>ect </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs6be\">of which the c<span class=\"_ _0\"></span>arrying amount is a reasonable<span class=\"_ _0\"></span> approximation of<span class=\"_ _0\"></span> fair value.<span class=\"_ _0\"></span><span class=\"ls1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs6bf\">Amounts owed to banks<span class=\"_ _0\"></span> and c<span class=\"_ _0\"></span>ustomers<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs6c0\">These categori<span class=\"_ _1\"></span>es of financial lia<span class=\"_ _1\"></span>bilities are carried<span class=\"_ _1\"></span> at amortised cost<span class=\"_ _1\"></span> and amount to \u20ac1,207,601,<span class=\"_ _1\"></span>000 as at 31 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs6c1\">December 2025 (20<span class=\"_ _1\"></span>24: \u20ac1,12<span class=\"_ _1\"></span>0,444,000). 17.4<span class=\"_ _1\"></span>% (2024: 19.0%) of th<span class=\"_ _1\"></span>ese liabilities are n<span class=\"_ _1\"></span>on<span class=\"ls1 ws1\">-<span class=\"ls5 ws1a\">in<span class=\"_ _1\"></span>terest b<span class=\"_ _1\"></span>earin<span class=\"_ _1\"></span>g, </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs6c2\">41.2% (2024: 46.0%) of th<span class=\"_ _1\"></span>ese liabil<span class=\"_ _1\"></span>ities <span class=\"ls5 ws41\">hav<span class=\"_ _1\"></span>e a contra<span class=\"_ _1\"></span>ctual rep<span class=\"_ _1\"></span>ricing t<span class=\"_ _1\"></span>erm of th<span class=\"_ _1\"></span>ree mon<span class=\"_ _1\"></span>ths o<span class=\"_ _1\"></span>r less, 8.7% </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs6c3\">(2024<span class=\"_ _1\"></span>: 6.0%) r<span class=\"_ _1\"></span>epric<span class=\"_ _1\"></span>e betw<span class=\"_ _1\"></span>een t<span class=\"_ _1\"></span>hree mo<span class=\"_ _1\"></span>nths<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> one yea<span class=\"_ _1\"></span>r, 25.9% <span class=\"_ _1\"></span>(202<span class=\"_ _1\"></span>4: 24.6<span class=\"_ _1\"></span>%) repr<span class=\"_ _1\"></span>ice <span class=\"_ _1\"></span>between<span class=\"_ _1\"></span> one yea<span class=\"_ _1\"></span>r </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs6c4\">and<span class=\"_ _1\"></span> five year<span class=\"_ _1\"></span>s while 6<span class=\"_ _1\"></span>.7% (2<span class=\"_ _1\"></span>024: 4<span class=\"_ _1\"></span>.4%) ar<span class=\"_ _1\"></span>e repr<span class=\"_ _1\"></span>iceabl<span class=\"_ _1\"></span>e afte<span class=\"_ _1\"></span>r more t<span class=\"_ _1\"></span>han fi<span class=\"_ _1\"></span>ve year<span class=\"_ _1\"></span>s. A ver<span class=\"_ _1\"></span>y s<span class=\"ls6 ws1d\">i<span class=\"_ _1\"></span>gnificant po<span class=\"_ _1\"></span>rtion </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs6c5\">of amount<span class=\"_ _0\"></span>s owed to<span class=\"_ _0\"></span> bank<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d custome<span class=\"_ _0\"></span>rs are r<span class=\"_ _0\"></span>epaya<span class=\"_ _0\"></span>ble on<span class=\"_ _0\"></span> demand as<span class=\"_ _0\"></span> disclo<span class=\"_ _0\"></span>sed w<span class=\"_ _0\"></span>ithin <span class=\"_ _0\"></span>Note 20<span class=\"_ _0\"></span> and 21<span class=\"_ _0\"></span> to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs6c6\">the financia<span class=\"_ _1\"></span>l statement<span class=\"_ _1\"></span>s. Accord<span class=\"_ _1\"></span>ingly, in v<span class=\"_ _1\"></span>iew of their<span class=\"_ _1\"></span> profile, th<span class=\"_ _1\"></span>e fair valu<span class=\"_ _1\"></span>e of these<span class=\"_ _1\"></span> financia<span class=\"_ _1\"></span>l liabilities is<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs6c7\">not d<span class=\"_ _1\"></span>eemed to b<span class=\"_ _1\"></span>e sign<span class=\"_ _1\"></span>i<span class=\"ls8 ws2d\">ficant<span class=\"_ _0\"></span>ly diff<span class=\"_ _0\"></span>erent<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> their c<span class=\"_ _0\"></span>arrying amo<span class=\"_ _0\"></span>unts. T<span class=\"_ _0\"></span>his applie<span class=\"_ _0\"></span>s to <span class=\"_ _0\"></span>vari<span class=\"_ _0\"></span>able rat<span class=\"_ _0\"></span>e deposit<span class=\"_ _11\"></span>s </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs6c8\">in view of the sh<span class=\"_ _1\"></span>ort periods<span class=\"_ _1\"></span> to repricing, bu<span class=\"_ _1\"></span>t also applies to lia<span class=\"_ _1\"></span>bilities su<span class=\"_ _1\"></span>bject to fixed interes<span class=\"_ _1\"></span>t rates, ba<span class=\"_ _1\"></span>sed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs6c9\">on discounting<span class=\"_ _0\"></span> future<span class=\"_ _0\"></span> contractual c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s at current<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls7 ws26\">market intere<span class=\"_ _0\"></span>st rates, taking into account the short </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs6ca\">periods to m<span class=\"_ _0\"></span>aturity.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>urrent mar<span class=\"_ _0\"></span>ket inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ates util<span class=\"_ _0\"></span>ised for disc<span class=\"_ _0\"></span>ounting purpose<span class=\"_ _0\"></span>s, w<span class=\"_ _0\"></span>hich we<span class=\"_ _0\"></span>re almost </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws15c gs6cb\">equiv<span class=\"_ _1\"></span>alent<span class=\"_ _1\"></span> to the r<span class=\"_ _1\"></span>espect<span class=\"_ _1\"></span>ive in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span>\u2019 cont<span class=\"_ _1\"></span>ractu<span class=\"_ _1\"></span>al inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>tes, a<span class=\"_ _1\"></span>re deemed<span class=\"_ _1\"></span> ob<span class=\"_ _1\"></span>serva<span class=\"_ _1\"></span>ble an<span class=\"_ _1\"></span><span class=\"ls1b ws6\">d </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs6cc\">accord<span class=\"_ _1\"></span>ingly<span class=\"_ _1\"></span> these fa<span class=\"_ _1\"></span>ir va<span class=\"_ _1\"></span>lue esti<span class=\"_ _1\"></span>mates h<span class=\"_ _1\"></span>ave been<span class=\"_ _1\"></span> catego<span class=\"_ _1\"></span>rise<span class=\"_ _1\"></span>d as L<span class=\"_ _1\"></span>evel 2.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs6cd\">Debt securi<span class=\"_ _0\"></span>ties measur<span class=\"_ _0\"></span>ed at amortis<span class=\"_ _0\"></span>ed cost<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs6ce\">Debt securiti<span class=\"_ _1\"></span>es measured<span class=\"_ _1\"></span> at amortis<span class=\"_ _1\"></span>ed cost ha<span class=\"_ _1\"></span>d a fair v<span class=\"_ _1\"></span>alue of \u20ac34,1<span class=\"_ _1\"></span>46,000 as<span class=\"_ _1\"></span> at 31 Dec<span class=\"_ _1\"></span>ember 2025 <span class=\"_ _1\"></span>(2024: </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs6cf\">\u20ac21,400,000), co<span class=\"_ _1\"></span>mpared to<span class=\"_ _1\"></span> the carry<span class=\"_ _1\"></span>ing amou<span class=\"_ _1\"></span>nt of \u20ac33,890,<span class=\"_ _1\"></span>000 (202<span class=\"ls1 ws1\">4<span class=\"_ _1\"></span></span>: \u20ac21,107,000).<span class=\"_ _1\"></span> The fair v<span class=\"_ _1\"></span>alue of th<span class=\"_ _1\"></span>ese </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs6d0\">investme<span class=\"_ _0\"></span>nts, whic<span class=\"_ _0\"></span>h are pr<span class=\"_ _0\"></span>inci<span class=\"_ _0\"></span>pally trade<span class=\"_ _0\"></span>d i<span class=\"_ _0\"></span>n active m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>ts, is m<span class=\"_ _0\"></span>ainly<span class=\"_ _0\"></span> based on <span class=\"_ _0\"></span>quote<span class=\"_ _0\"></span>d mar<span class=\"_ _0\"></span>ket pri<span class=\"_ _0\"></span>ces whi<span class=\"_ _0\"></span>ch </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6d1\">are categorised a<span class=\"_ _1\"></span>s Level 1 inp<span class=\"_ _1\"></span>uts.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws24 gs6d2\">Other f<span class=\"_ _0\"></span>inancial instr<span class=\"_ _0\"></span>uments<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs6d3\">The fair values o<span class=\"_ _1\"></span>f certain other financial as<span class=\"_ _1\"></span>sets, includin<span class=\"_ _1\"></span>g balances with the Central Bank<span class=\"_ _1\"></span> of Malta and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs6d4\">accrue<span class=\"_ _0\"></span>d income<span class=\"_ _0\"></span>, are<span class=\"_ _0\"></span> considered t<span class=\"_ _0\"></span>o approxim<span class=\"_ _0\"></span>ate the<span class=\"_ _0\"></span>ir re<span class=\"_ _0\"></span>spective<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng values due<span class=\"_ _0\"></span> to t<span class=\"_ _0\"></span>heir short<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">term </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws16 gs6d5\">nature.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6d6\">2.9       Encum<span class=\"_ _0\"></span>bere<span class=\"_ _0\"></span>d and unenc<span class=\"_ _0\"></span>umber<span class=\"_ _0\"></span>ed assets<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws62 gs6d7\">Banking R<span class=\"_ _0\"></span>ule 07<span class=\"_ _0\"></span> transposed<span class=\"_ _0\"></span> the pro<span class=\"_ _0\"></span>visions of<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> EBA <span class=\"_ _0\"></span>Guide<span class=\"_ _0\"></span>lines on D<span class=\"_ _0\"></span>isclosure<span class=\"_ _0\"></span> of Encum<span class=\"_ _0\"></span>bere<span class=\"_ _0\"></span>d and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs6d8\">Unencum<span class=\"_ _0\"></span>bered Asse<span class=\"_ _0\"></span>ts (EBA/<span class=\"_ _0\"></span>GL/2<span class=\"_ _0\"></span>014/03) and i<span class=\"_ _0\"></span>ntroduce<span class=\"_ _0\"></span>d the r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ment to disc<span class=\"_ _0\"></span>lose i<span class=\"_ _0\"></span>nfor<span class=\"_ _0\"></span>mation about<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs6d9\">ass<span class=\"_ _1\"></span>et encumb<span class=\"_ _1\"></span>rance.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs6da\">This discl<span class=\"_ _0\"></span>osure is<span class=\"_ _0\"></span> mea<span class=\"_ _0\"></span>nt to fa<span class=\"_ _0\"></span>cili<span class=\"_ _0\"></span>tate an unde<span class=\"_ _0\"></span>rstandi<span class=\"_ _0\"></span>ng of a<span class=\"_ _0\"></span>vailabl<span class=\"_ _0\"></span>e and <span class=\"_ _0\"></span>unrestric<span class=\"_ _0\"></span>ted as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s that c<span class=\"_ _0\"></span>ould be<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs6db\">used to suppor<span class=\"_ _0\"></span>t potenti<span class=\"_ _0\"></span>al fut<span class=\"_ _0\"></span>ure f<span class=\"_ _0\"></span>unding and co<span class=\"_ _0\"></span>llater<span class=\"_ _0\"></span>al needs. An a<span class=\"_ _0\"></span>sset is def<span class=\"_ _0\"></span>ined as e<span class=\"_ _0\"></span>ncum<span class=\"_ _0\"></span>bere<span class=\"_ _0\"></span>d if it has </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs6dc\">been pledged as<span class=\"_ _1\"></span> collateral ag<span class=\"_ _1\"></span>ainst a<span class=\"_ _1\"></span>n existing liability<span class=\"_ _1\"></span>, and as a result<span class=\"_ _1\"></span> is no longer available to th<span class=\"_ _1\"></span>e group to </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6dd\">secure<span class=\"_ _0\"></span> funding, sat<span class=\"_ _0\"></span>isfy col<span class=\"_ _0\"></span>later<span class=\"_ _0\"></span>al nee<span class=\"_ _0\"></span>ds or be sold to r<span class=\"_ _0\"></span>educe<span class=\"_ _0\"></span> the fundi<span class=\"_ _0\"></span>ng requi<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nt.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-482": {
   "value": "2.      F<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l risk<span class=\"_ _0\"></span> mana<span class=\"_ _0\"></span>geme<span class=\"_ _0\"></span>nt <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"ff1 ls1 ws1\"> </span></span>2.3 <span class=\"ls1 ws1\"> <span class=\"_ _51\"> </span></span><span class=\"ws7\">Cred<span class=\"_ _1\"></span>it risk<span class=\"ls1 ws1\"> </span></span>2.3.1<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls8 ws16\">Introduction</span> </span>Credit risk is th<span class=\"_ _1\"></span>e risk of suffering financial los<span class=\"_ _1\"></span>s, should any of the Group\u2019s cus<span class=\"_ _1\"></span>tomers, clients or<span class=\"_ _1\"></span> market counterpa<span class=\"_ _1\"></span>rties fail to fulfil their con<span class=\"_ _1\"></span>tractual ob<span class=\"_ _1\"></span>ligations to the Group<span class=\"_ _1\"></span>. Credit risk arises mainly<span class=\"_ _1\"></span> from consumer loans and adva<span class=\"_ _0\"></span>nces and loan com<span class=\"_ _0\"></span>mit<span class=\"ls6 ws52\">ments aris<span class=\"_ _1\"></span>ing from such lendin<span class=\"_ _1\"></span>g activities, but<span class=\"_ _1\"></span> can also arise </span>from c<span class=\"_ _0\"></span>redit enha<span class=\"_ _0\"></span>ncement pr<span class=\"_ _0\"></span>ovided, such a<span class=\"_ _11\"></span>s<span class=\"_ _1\"></span> financ<span class=\"_ _0\"></span>ial guar<span class=\"_ _0\"></span>ante<span class=\"_ _0\"></span>es and le<span class=\"_ _0\"></span>tters of<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t.<span class=\"ls1 ws1\"> </span>The Group i<span class=\"_ _0\"></span>s also expose<span class=\"_ _0\"></span>d to othe<span class=\"_ _0\"></span>r cre<span class=\"_ _0\"></span>dit risks ari<span class=\"_ _0\"></span>sing from<span class=\"_ _0\"></span> investme<span class=\"_ _0\"></span>nts in debt<span class=\"_ _0\"></span> securitie<span class=\"_ _0\"></span>s and other exposures<span class=\"_ _1\"></span> arising from its<span class=\"_ _1\"></span> investing activ<span class=\"_ _1\"></span>ities.<span class=\"ls1 ws1\"> </span>Credit risk con<span class=\"_ _1\"></span>stitutes<span class=\"_ _1\"></span> the Bank\u2019s larges<span class=\"_ _1\"></span>t risk in view of its s<span class=\"_ _1\"></span>ignificant lending a<span class=\"_ _1\"></span>nd securiti<span class=\"_ _1\"></span>es portfolios, which<span class=\"_ _1\"></span> is monitor<span class=\"_ _0\"></span>ed in a struc<span class=\"_ _0\"></span>tured and for<span class=\"_ _0\"></span>mal manne<span class=\"_ _0\"></span>r through se<span class=\"_ _0\"></span>veral me<span class=\"_ _0\"></span>chanisms and pr<span class=\"_ _0\"></span>ocedures. T<span class=\"_ _0\"></span>he cre<span class=\"_ _0\"></span>dit risk manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt and contr<span class=\"_ _0\"></span>ol functi<span class=\"_ _0\"></span>ons a<span class=\"ls5 ws6\">re centra<span class=\"_ _1\"></span>lised.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></span>2.3.2<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws6\">Cr<span class=\"_ _1\"></span>edit ris<span class=\"_ _1\"></span>k mana<span class=\"_ _1\"></span>gement<span class=\"_ _1\"></span></span> </span>The g<span class=\"_ _0\"></span>ranting of<span class=\"_ _0\"></span> a credit f<span class=\"_ _0\"></span>acility (inc<span class=\"_ _0\"></span>luding loa<span class=\"_ _0\"></span>ns and advanc<span class=\"_ _0\"></span>es, lo<span class=\"_ _0\"></span>an comm<span class=\"_ _0\"></span>itments and g<span class=\"_ _0\"></span>uarantee<span class=\"_ _0\"></span>s) is based<span class=\"_ _0\"></span> on the Bank\u2019<span class=\"_ _0\"></span>s insight into<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>ustome<span class=\"_ _0\"></span>r\u2019s financ<span class=\"_ _0\"></span>ial positi<span class=\"_ _0\"></span>on, w<span class=\"_ _0\"></span>hich is re<span class=\"_ _0\"></span>viewe<span class=\"_ _0\"></span>d regularly t<span class=\"_ _0\"></span>o assess whe<span class=\"_ _0\"></span>ther the basis<span class=\"_ _0\"></span> for the<span class=\"_ _0\"></span> granting<span class=\"_ _0\"></span> of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t has <span class=\"ls5 ws2a\">chang<span class=\"_ _1\"></span>ed. Furt<span class=\"_ _1\"></span>hermore,<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>stomer mu<span class=\"_ _1\"></span>st b<span class=\"_ _1\"></span>e able to d<span class=\"_ _1\"></span>emonst<span class=\"_ _1\"></span>rate, </span>in all prob<span class=\"_ _1\"></span>ability, the ab<span class=\"_ _1\"></span>ility to repay the debt<span class=\"_ _1\"></span>. Internal approva<span class=\"_ _1\"></span>l limits are in place startin<span class=\"_ _1\"></span>g from Bank operational manage<span class=\"_ _0\"></span>rs leading up to the Credit C<span class=\"_ _0\"></span>ommittee and the Board of D<span class=\"_ _0\"></span>irectors d<span class=\"ls8 ws3a\">epe<span class=\"_ _0\"></span>nding on the<span class=\"_ _0\"></span> </span>magnitude an<span class=\"_ _1\"></span>d the part<span class=\"_ _1\"></span>icular risks<span class=\"_ _1\"></span> attached t<span class=\"_ _1\"></span>o the facility. Faci<span class=\"_ _1\"></span>lities are generall<span class=\"_ _1\"></span>y adequat<span class=\"_ _1\"></span>ely secured<span class=\"_ _1\"></span> either by p<span class=\"_ _1\"></span>ropert<span class=\"_ _1\"></span>y and/o<span class=\"_ _1\"></span>r guaran<span class=\"_ _1\"></span>tees an<span class=\"_ _1\"></span>d are reviewed<span class=\"_ _1\"></span> perio<span class=\"_ _1\"></span>dicall<span class=\"_ _1\"></span>y by ma<span class=\"_ _1\"></span>nagemen<span class=\"_ _1\"></span>t in terms<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e expos<span class=\"_ _1\"></span>ure to the Bank and t<span class=\"_ _0\"></span>o ensur<span class=\"_ _0\"></span>e tha<span class=\"ls6 ws7\">t c<span class=\"_ _0\"></span>ollateral st<span class=\"_ _1\"></span>ill covers th<span class=\"_ _1\"></span>e facility.<span class=\"ls1 ws1\"> </span></span>In or<span class=\"_ _1\"></span>der to mi<span class=\"_ _1\"></span>nimise t<span class=\"_ _1\"></span>he credi<span class=\"_ _1\"></span>t risk<span class=\"_ _1\"></span> underta<span class=\"_ _1\"></span>ken, co<span class=\"_ _1\"></span>unterpa<span class=\"_ _1\"></span>rty cr<span class=\"_ _1\"></span>edit limi<span class=\"_ _1\"></span>ts are d<span class=\"_ _1\"></span>efined wi<span class=\"_ _1\"></span>th res<span class=\"_ _1\"></span>pect to investment<span class=\"_ _1\"></span> activities, wh<span class=\"_ _1\"></span>ich limits co<span class=\"_ _1\"></span>nsider a cou<span class=\"_ _1\"></span>nterparty<span class=\"_ _1\"></span>\u2019s creditworthines<span class=\"_ _1\"></span>s, the va<span class=\"_ _1\"></span>lue of collateral an<span class=\"_ _1\"></span>d guarante<span class=\"_ _0\"></span>es pledg<span class=\"_ _0\"></span>ed, whi<span class=\"_ _0\"></span>ch can re<span class=\"_ _0\"></span>duce the<span class=\"_ _0\"></span> overal<span class=\"_ _0\"></span>l cre<span class=\"_ _0\"></span>dit risk e<span class=\"_ _0\"></span>xposure, a<span class=\"_ _0\"></span>s we<span class=\"_ _0\"></span>ll as the<span class=\"_ _0\"></span> type<span class=\"_ _0\"></span> and the durati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> of the asse<span class=\"_ _0\"></span>t. I<span class=\"_ _0\"></span>n order t<span class=\"_ _0\"></span>o ex<span class=\"_ _0\"></span>amine<span class=\"_ _0\"></span> a counter<span class=\"_ _0\"></span>party\u2019<span class=\"_ _0\"></span>s credit<span class=\"_ _0\"></span>worthine<span class=\"_ _0\"></span>ss, the<span class=\"_ _0\"></span> foll<span class=\"_ _0\"></span>owing ar<span class=\"_ _0\"></span>e conside<span class=\"_ _0\"></span>red:<span class=\"_ _0\"></span> country<span class=\"_ _0\"></span> risk, qu<span class=\"_ _1\"></span>antitative an<span class=\"_ _1\"></span>d qualitative chara<span class=\"_ _1\"></span>cteristics, as<span class=\"_ _1\"></span> well as the indus<span class=\"_ _1\"></span>try sector in<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 wsb\">which the c<span class=\"_ _0\"></span>ounterpar<span class=\"_ _0\"></span>ty </span></span>opera<span class=\"_ _1\"></span>tes. <span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup has se<span class=\"_ _0\"></span>t lim<span class=\"_ _0\"></span>its of <span class=\"_ _0\"></span>authority a<span class=\"_ _0\"></span>nd has<span class=\"_ _0\"></span> segr<span class=\"_ _0\"></span>egati<span class=\"_ _0\"></span>on of dutie<span class=\"_ _0\"></span>s so<span class=\"_ _0\"></span> as to m<span class=\"_ _0\"></span>aintai<span class=\"_ _0\"></span>n impar<span class=\"_ _0\"></span>tiality a<span class=\"_ _0\"></span>nd independe<span class=\"_ _0\"></span>nce dur<span class=\"_ _0\"></span>ing the a<span class=\"_ _0\"></span>pproval proc<span class=\"_ _0\"></span>ess and c<span class=\"_ _0\"></span>ontrol ne<span class=\"_ _0\"></span>w and ex<span class=\"_ _0\"></span>isting as<span class=\"_ _0\"></span>sets or c<span class=\"_ _0\"></span>redit f<span class=\"_ _0\"></span>acili<span class=\"_ _0\"></span>ties. <span class=\"ls1 ws1\"> </span>During the fin<span class=\"_ _1\"></span>ancial year end<span class=\"_ _1\"></span>ed 31 December 2025, local economic growth<span class=\"_ _1\"></span> moderated, as Malt<span class=\"_ _1\"></span>a continues on its exi<span class=\"_ _0\"></span>t path from the post<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws2d\">pandemi<span class=\"_ _0\"></span>c recove<span class=\"_ _0\"></span>ry amidst a we<span class=\"_ _0\"></span>akening gl<span class=\"_ _0\"></span>obal outloo<span class=\"_ _0\"></span>k. Indeed, duri<span class=\"_ _0\"></span>ng 2025 </span></span>the globa<span class=\"_ _0\"></span>l econo<span class=\"_ _0\"></span>my has bee<span class=\"_ _0\"></span>n adjusti<span class=\"_ _0\"></span>ng to t<span class=\"_ _0\"></span>rade <span class=\"_ _0\"></span>sub<span class=\"ls7 ws14\">ject to <span class=\"_ _0\"></span>greater<span class=\"_ _0\"></span> protectionism and fr<span class=\"_ _0\"></span>agmentation, in a </span>cont<span class=\"_ _1\"></span>ext of di<span class=\"_ _1\"></span>m mediu<span class=\"_ _1\"></span>m<span class=\"ls1 ws1\">-</span>ter<span class=\"_ _1\"></span>m growth p<span class=\"_ _1\"></span>rosp<span class=\"_ _1\"></span>ects.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span>The first half of th<span class=\"_ _1\"></span>e year sa<span class=\"_ _1\"></span>w a resilient sta<span class=\"_ _1\"></span>rt, largely attri<span class=\"_ _1\"></span>buted to comp<span class=\"_ _1\"></span>anies engagi<span class=\"_ _1\"></span>ng in pre<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">e<span class=\"_ _1\"></span>mptiv<span class=\"_ _1\"></span>e </span></span>importi<span class=\"_ _0\"></span>ng and expo<span class=\"_ _0\"></span>rting. T<span class=\"_ _0\"></span>his f<span class=\"_ _0\"></span>ront<span class=\"ls1 ws1\">-<span class=\"ls7 wsa2\">loading of<span class=\"_ _0\"></span> trade<span class=\"_ _0\"></span> was in antici<span class=\"_ _0\"></span>pation of tari<span class=\"_ _0\"></span>ffs, and <span class=\"_ _0\"></span>once compl<span class=\"_ _0\"></span>eted, </span></span>weaker<span class=\"_ _1\"></span> data<span class=\"_ _1\"></span> start<span class=\"_ _1\"></span>ed to em<span class=\"_ _1\"></span>erge,<span class=\"_ _1\"></span> resul<span class=\"_ _1\"></span>ting in<span class=\"_ _1\"></span> soften<span class=\"_ _1\"></span>ed la<span class=\"_ _1\"></span>bour<span class=\"_ _1\"></span> markets<span class=\"_ _1\"></span>. Infla<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> is ab<span class=\"_ _1\"></span>ove tar<span class=\"_ _1\"></span>get in<span class=\"_ _1\"></span> the <span class=\"_ _1\"></span>United<span class=\"_ _1\"></span> States, w<span class=\"_ _0\"></span>ith risk<span class=\"_ _0\"></span>s tilted t<span class=\"_ _0\"></span>o the upside<span class=\"_ _0\"></span>. Meanw<span class=\"_ _0\"></span>hile, the<span class=\"_ _0\"></span> rest of the wo<span class=\"_ _0\"></span>rld is expec<span class=\"_ _0\"></span>ted to have subdue<span class=\"_ _0\"></span>d inflation.<span class=\"_ _1\"></span> The <span class=\"ls8 ws126\">Inter<span class=\"_ _0\"></span>national Mo<span class=\"_ _0\"></span>netary F<span class=\"_ _0\"></span>und\u2019s (<span class=\"ls1 ws1\">IMF) <span class=\"_ _88\"> </span></span>outlook i<span class=\"_ _0\"></span>s subje<span class=\"_ _0\"></span>ct to<span class=\"_ _0\"></span> uncert<span class=\"_ _0\"></span>ainty, an<span class=\"_ _0\"></span>d <span class=\"ls7 ws4e\">actual<span class=\"_ _0\"></span> </span></span>perfor<span class=\"_ _0\"></span>mance m<span class=\"_ _0\"></span>ay be bett<span class=\"_ _0\"></span>er or w<span class=\"_ _0\"></span>orse than a<span class=\"_ _0\"></span>nticipate<span class=\"_ _0\"></span>d. In<span class=\"_ _0\"></span> this r<span class=\"_ _0\"></span>egard, t<span class=\"_ _0\"></span>he IMF se<span class=\"_ _0\"></span>es that<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> probabili<span class=\"_ _0\"></span>ty of actual pe<span class=\"_ _0\"></span>rform<span class=\"_ _0\"></span>ance being<span class=\"_ _0\"></span> worse than antic<span class=\"_ _0\"></span>ipated is g<span class=\"_ _0\"></span>reate<span class=\"_ _0\"></span>r than it being<span class=\"_ _0\"></span> bette<span class=\"_ _0\"></span>r than antic<span class=\"_ _0\"></span>ipated.<span class=\"_ _0\"></span> The ri<span class=\"_ _0\"></span>sks to the outlook are tilted to the do<span class=\"ls5 ws63\">wnsid<span class=\"_ _1\"></span>e due to<span class=\"_ _1\"></span> furth<span class=\"_ _1\"></span>er esca<span class=\"_ _1\"></span>latio<span class=\"_ _1\"></span>n of pr<span class=\"_ _1\"></span>otectio<span class=\"_ _1\"></span>nist<span class=\"_ _1\"></span> meas<span class=\"_ _1\"></span>ures an<span class=\"_ _1\"></span>d lar<span class=\"_ _1\"></span>ger<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span>than<span class=\"ls1 ws1\">-<span class=\"ls6 ws8c\">expected sho<span class=\"_ _1\"></span>cks to labour supp<span class=\"_ _1\"></span>ly from restrictive immigra<span class=\"_ _1\"></span>tion policies<span class=\"_ _1\"></span>. Some vulnerabil<span class=\"_ _1\"></span>ities in </span></span>financi<span class=\"_ _0\"></span>al mark<span class=\"_ _0\"></span>ets and public<span class=\"_ _0\"></span> de<span class=\"_ _0\"></span>bt could ex<span class=\"_ _0\"></span>ert pre<span class=\"_ _0\"></span>ssure on m<span class=\"_ _0\"></span>acro<span class=\"ls1 ws1\">-<span class=\"ls6 ws23\">f<span class=\"_ _0\"></span>inancial s<span class=\"_ _1\"></span>tability.<span class=\"_ _1\"></span> Disappointin<span class=\"_ _1\"></span>g earnings </span></span>results an<span class=\"_ _0\"></span>d pro<span class=\"_ _0\"></span>ductivity<span class=\"_ _0\"></span> gains<span class=\"_ _0\"></span> re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d to AI adop<span class=\"_ _0\"></span>tion can<span class=\"_ _0\"></span> lea<span class=\"_ _0\"></span>d to an a<span class=\"_ _0\"></span>brupt<span class=\"_ _0\"></span> repric<span class=\"_ _0\"></span>ing of<span class=\"_ _0\"></span> tech stoc<span class=\"_ _0\"></span>ks, le<span class=\"_ _0\"></span>ading<span class=\"_ _0\"></span> to an<span class=\"_ _1\"></span> abrupt<span class=\"_ _1\"></span> end to t<span class=\"_ _1\"></span>he recent ob<span class=\"_ _1\"></span>served<span class=\"_ _1\"></span> exuber<span class=\"_ _1\"></span>ance in<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial mark<span class=\"_ _1\"></span>ets. At<span class=\"_ _1\"></span> the same t<span class=\"_ _1\"></span>ime, fast<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span> productivit<span class=\"_ _0\"></span>y growt<span class=\"_ _0\"></span>h can be e<span class=\"_ _0\"></span>xpecte<span class=\"_ _0\"></span>d if the<span class=\"_ _0\"></span> adoption of<span class=\"_ _0\"></span> AI leads to pr<span class=\"_ _0\"></span>omising<span class=\"_ _0\"></span> result<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span>In Europe, the<span class=\"_ _0\"></span> European C<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>ission repor<span class=\"_ _0\"></span>ts econom<span class=\"_ _0\"></span>ic growth e<span class=\"_ _0\"></span>xceeding<span class=\"_ _0\"></span> expecta<span class=\"_ _0\"></span>tions in the fi<span class=\"_ _0\"></span>rst nine months of t<span class=\"_ _0\"></span>he year,<span class=\"_ _0\"></span> mainly dr<span class=\"_ _0\"></span>iven by trade<span class=\"_ _0\"></span> front<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws40\">loading<span class=\"_ _0\"></span>, but also tha<span class=\"_ _0\"></span>nks to str<span class=\"_ _0\"></span>onge<span class=\"_ _0\"></span>r invest<span class=\"_ _0\"></span>ment i<span class=\"_ _0\"></span>n </span></span>equipme<span class=\"_ _0\"></span>nt and inta<span class=\"_ _0\"></span>ngible<span class=\"_ _0\"></span> asse<span class=\"_ _0\"></span>ts. Grow<span class=\"_ _0\"></span>th is al<span class=\"_ _0\"></span>so support<span class=\"_ _0\"></span>e<span class=\"ls6 ws12\">d <span class=\"_ _0\"></span>by a resilient lab<span class=\"_ _1\"></span>our market, decreasing inflat<span class=\"_ _1\"></span>ion </span>and favoura<span class=\"_ _0\"></span>ble f<span class=\"_ _0\"></span>inancing<span class=\"_ _0\"></span> condi<span class=\"_ _0\"></span>tions. T<span class=\"_ _0\"></span>he Com<span class=\"_ _0\"></span>mission s<span class=\"_ _0\"></span>ees the<span class=\"_ _0\"></span>se as <span class=\"_ _0\"></span>\u201ckey condi<span class=\"_ _0\"></span>tions\u201d f<span class=\"_ _0\"></span>or cont<span class=\"_ _0\"></span>inue<span class=\"_ _0\"></span>d econom<span class=\"_ _0\"></span>ic growt<span class=\"_ _0\"></span>h, despite<span class=\"_ _0\"></span> the chal<span class=\"_ _0\"></span>lengi<span class=\"_ _0\"></span>ng exte<span class=\"_ _0\"></span>rnal enviro<span class=\"_ _0\"></span>nment and unc<span class=\"_ _0\"></span>ertai<span class=\"_ _0\"></span>nty. <span class=\"ls1 ws1\"> </span>Further<span class=\"_ _0\"></span>more<span class=\"_ _0\"></span>, the EU and U<span class=\"_ _0\"></span>S si<span class=\"_ _0\"></span>gned a jo<span class=\"_ _0\"></span>int ag<span class=\"_ _0\"></span>reeme<span class=\"_ _0\"></span>nt on re<span class=\"_ _0\"></span>cipr<span class=\"_ _0\"></span>ocal, f<span class=\"_ _0\"></span>air and <span class=\"_ _0\"></span>balance<span class=\"_ _0\"></span>d trade<span class=\"_ _0\"></span>, establ<span class=\"_ _0\"></span>ishing<span class=\"_ _0\"></span> a 15% h<span class=\"_ _1\"></span>eadlin<span class=\"_ _1\"></span>e tari<span class=\"_ _1\"></span>ff in A<span class=\"_ _1\"></span>ugus<span class=\"_ _1\"></span>t. The<span class=\"_ _1\"></span> joint<span class=\"_ _1\"></span> agreem<span class=\"_ _1\"></span>ent p<span class=\"_ _1\"></span>laces t<span class=\"_ _1\"></span>he E<span class=\"_ _1\"></span>U at a <span class=\"_ _1\"></span>comp<span class=\"_ _1\"></span>etitiv<span class=\"_ _1\"></span>e adva<span class=\"_ _1\"></span>ntage c<span class=\"_ _1\"></span>ompa<span class=\"_ _1\"></span>red to<span class=\"_ _1\"></span> other tr<span class=\"_ _0\"></span>ading partne<span class=\"_ _0\"></span>rs. The<span class=\"_ _0\"></span> headli<span class=\"_ _0\"></span>ne tari<span class=\"_ _0\"></span>ff r<span class=\"ls7 wsc\">ate for<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls5 ws22\">EU me<span class=\"_ _1\"></span>mbers i<span class=\"_ _1\"></span>s simi<span class=\"_ _1\"></span>larly s<span class=\"_ _1\"></span>et at 15<span class=\"_ _1\"></span>%, bu<span class=\"_ _1\"></span>t the s<span class=\"_ _1\"></span>cope </span></span></span>of exempt<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> and ca<span class=\"_ _1\"></span>rveou<span class=\"_ _1\"></span>ts varies<span class=\"_ _1\"></span>, leadi<span class=\"_ _1\"></span>ng to high<span class=\"_ _1\"></span>er effect<span class=\"_ _1\"></span>ive tar<span class=\"_ _1\"></span>iffs. Thi<span class=\"_ _1\"></span>s compet<span class=\"_ _1\"></span>itive a<span class=\"_ _1\"></span>dvant<span class=\"_ _1\"></span>age howev<span class=\"_ _1\"></span>er should be see<span class=\"_ _0\"></span>n in the c<span class=\"_ _0\"></span>ontext <span class=\"_ _0\"></span>of m<span class=\"_ _0\"></span>odest gr<span class=\"_ _0\"></span>owth in e<span class=\"_ _0\"></span>xport marke<span class=\"_ _0\"></span>ts for g<span class=\"_ _0\"></span>oods and a str<span class=\"_ _0\"></span>on<span class=\"lsa ws12c\">g euro. <span class=\"ls1 ws1\"> </span></span>The European<span class=\"_ _1\"></span> Commissi<span class=\"_ _1\"></span>on expects<span class=\"_ _1\"></span> Euro area in<span class=\"_ _1\"></span>flation to s<span class=\"_ _1\"></span>low from 2.4<span class=\"_ _1\"></span>% in 2024 to 2.<span class=\"_ _1\"></span>1% in 2025 an<span class=\"_ _1\"></span>d then<span class=\"_ _1\"></span> remain broad<span class=\"_ _1\"></span>ly stabl<span class=\"_ _1\"></span>e at 1.9% in 2026 an<span class=\"_ _1\"></span>d 2.0% in 2027.<span class=\"_ _1\"></span> Cons<span class=\"_ _1\"></span>equently, t<span class=\"_ _1\"></span>he ECB has k<span class=\"_ _1\"></span>ept its interest rat<span class=\"_ _1\"></span>es on the dep<span class=\"_ _1\"></span>osit facility,<span class=\"_ _1\"></span> the main refin<span class=\"_ _1\"></span>ancing o<span class=\"ls8 ws5c\">perations and the m<span class=\"_ _0\"></span>arginal<span class=\"_ _0\"></span> lending<span class=\"_ _0\"></span> facilit<span class=\"_ _0\"></span>y unchanged a<span class=\"_ _0\"></span>t </span>2.00%, 2.15% and<span class=\"_ _1\"></span> 2.40% resp<span class=\"_ _1\"></span>ectively.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>Rise in de<span class=\"_ _0\"></span>fence<span class=\"_ _0\"></span> and inter<span class=\"_ _0\"></span>est expendi<span class=\"_ _0\"></span>ture, c<span class=\"_ _0\"></span>oupled wi<span class=\"_ _0\"></span>th revenue<span class=\"_ _0\"></span> shortfall<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>sulting i<span class=\"_ _0\"></span>n grow<span class=\"_ _0\"></span>ing defic<span class=\"_ _0\"></span>its. The EU<span class=\"_ _0\"></span> debt<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls6 ws49\">GDP ratio is proj<span class=\"_ _1\"></span>ected to increase from <span class=\"_ _1\"></span>82% in 2024 to 85<span class=\"_ _1\"></span>%, while in t<span class=\"_ _1\"></span>he euro area, it<span class=\"_ _1\"></span> is </span></span>expected<span class=\"_ _1\"></span> to ris<span class=\"_ _1\"></span>e to 91<span class=\"_ _1\"></span>% by 20<span class=\"_ _1\"></span>27, from 88<span class=\"_ _1\"></span>% <span class=\"ls6 ws7\">in 2024.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></span>Looking ahead, a n<span class=\"_ _0\"></span>umber of<span class=\"ls1 ws1\"> </span>downside risks<span class=\"_ _0\"></span> weigh on the g<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>th outlook of the EU<span class=\"_ _0\"></span> econom<span class=\"_ _0\"></span>y. Geopoliti<span class=\"_ _0\"></span>cal tension<span class=\"_ _1\"></span>s remain high, bot<span class=\"_ _1\"></span>h with the ongoing war in Ukra<span class=\"_ _1\"></span>ine that is weighing economicall<span class=\"_ _1\"></span>y on neighb<span class=\"_ _1\"></span>ouring countries<span class=\"_ _1\"></span>,<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">th<span class=\"_ _1\"></span>e <span class=\"ls8 ws2d\">uncertainty ar<span class=\"_ _0\"></span>ound the Oc<span class=\"_ _0\"></span>tober G<span class=\"_ _0\"></span>aza peace plan, and t<span class=\"_ _0\"></span>he unfoldi<span class=\"_ _0\"></span>ng war<span class=\"_ _0\"></span> in the Mi<span class=\"_ _0\"></span>ddle East<span class=\"ls72 wsee\">. </span></span></span></span>The rec<span class=\"_ _1\"></span>ent ap<span class=\"_ _1\"></span>preciat<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f th<span class=\"_ _1\"></span>e euro co<span class=\"_ _1\"></span>uld w<span class=\"_ _1\"></span>eigh o<span class=\"_ _1\"></span>n ext<span class=\"_ _1\"></span>ernal co<span class=\"_ _1\"></span>mpetiti<span class=\"_ _1\"></span>ven<span class=\"_ _1\"></span>ess mor<span class=\"_ _1\"></span>e tha<span class=\"_ _1\"></span>n expec<span class=\"_ _1\"></span>ted.<span class=\"_ _1\"></span> Meanwhi<span class=\"_ _0\"></span>le, progr<span class=\"_ _0\"></span>ess on ref<span class=\"_ _0\"></span>orm and com<span class=\"_ _0\"></span>petitivene<span class=\"_ _0\"></span>ss, highe<span class=\"_ _0\"></span>r defe<span class=\"_ _0\"></span>nce spending<span class=\"_ _0\"></span> focuse<span class=\"_ _0\"></span>d on EU production, and new tr<span class=\"_ _0\"></span>ade agr<span class=\"_ _0\"></span>eement<span class=\"_ _0\"></span>s with third co<span class=\"_ _0\"></span>untries c<span class=\"_ _0\"></span>an buttr<span class=\"_ _0\"></span>es<span class=\"ls5 ws6\">s economic<span class=\"_ _1\"></span> growth <span class=\"_ _1\"></span>more th<span class=\"_ _1\"></span>an exp<span class=\"_ _1\"></span>ected. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>This is the<span class=\"_ _0\"></span> global a<span class=\"_ _0\"></span>nd Euro<span class=\"_ _0\"></span>pean cont<span class=\"_ _0\"></span>ext w<span class=\"_ _0\"></span>ithin whi<span class=\"_ _0\"></span>ch the sm<span class=\"_ _0\"></span>all ope<span class=\"_ _0\"></span>n Maltese<span class=\"_ _0\"></span> economy ope<span class=\"_ _0\"></span>rates.<span class=\"_ _11\"></span> Nevert<span class=\"_ _1\"></span>heless<span class=\"_ _1\"></span>, Malt<span class=\"_ _1\"></span>a cont<span class=\"_ _1\"></span>inues t<span class=\"_ _1\"></span>o outperfo<span class=\"_ _1\"></span>rm much<span class=\"_ _1\"></span> of its Eu<span class=\"_ _1\"></span>ropea<span class=\"_ _1\"></span>n peers<span class=\"_ _1\"></span>. Indeed<span class=\"_ _1\"></span>, the Cent<span class=\"_ _1\"></span>ral Ban<span class=\"_ _1\"></span>k of Mal<span class=\"_ _1\"></span>ta expects<span class=\"_ _1\"></span> Malta<span class=\"_ _1\"></span>\u2019s rea<span class=\"_ _1\"></span>l GDP growt<span class=\"_ _1\"></span>h rate t<span class=\"_ _1\"></span>o moder<span class=\"_ _1\"></span>ate from t<span class=\"_ _1\"></span>h<span class=\"ls6 wsd\">e 6.8% registered<span class=\"_ _1\"></span> in 2024, to 3.7% in 2025 an<span class=\"_ _1\"></span>d </span>remaining at 3.<span class=\"_ _1\"></span>7% until 20<span class=\"_ _1\"></span>27. This t<span class=\"_ _1\"></span>rend is als<span class=\"_ _1\"></span>o confirmed b<span class=\"_ _1\"></span>y the Euro<span class=\"_ _1\"></span>pean Commissio<span class=\"_ _1\"></span>n, which expe<span class=\"_ _1\"></span>cts it to be drive<span class=\"_ _0\"></span>n mainly by r<span class=\"_ _0\"></span>obust private<span class=\"_ _0\"></span> and public c<span class=\"_ _0\"></span>onsumption, i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt, and support<span class=\"_ _0\"></span>ed by gr<span class=\"_ _0\"></span>owth in tour<span class=\"ls6 ws7\">ism, gaming an<span class=\"_ _1\"></span>d financial<span class=\"_ _1\"></span> and profess<span class=\"_ _1\"></span>ional serv<span class=\"_ _1\"></span>ices.<span class=\"ls1 ws1\"> </span></span>The disinflat<span class=\"_ _1\"></span>ionary pro<span class=\"_ _1\"></span>cess is expected to continue,<span class=\"_ _1\"></span> with the HICP averaging 2.5% in<span class=\"_ _1\"></span> the first half of 2025 and expec<span class=\"_ _0\"></span>ted to r<span class=\"_ _0\"></span>emain clo<span class=\"_ _0\"></span>se to the 2% ECB<span class=\"_ _0\"></span> target f<span class=\"_ _0\"></span>or the years a<span class=\"_ _0\"></span>head. Thi<span class=\"_ _0\"></span>s, combi<span class=\"_ _0\"></span>ned with wide<span class=\"_ _0\"></span>ning income<span class=\"_ _0\"></span> tax bands, is expe<span class=\"_ _0\"></span>cted to boost r<span class=\"_ _0\"></span>eal disp<span class=\"ls6 ws61\">osable income, whi<span class=\"_ _1\"></span>ch will co<span class=\"_ _1\"></span>ntinue su<span class=\"_ _1\"></span>pportin<span class=\"_ _1\"></span>g private </span>consumption.<span class=\"_ _0\"></span> Some<span class=\"_ _0\"></span> pockets of vul<span class=\"_ _0\"></span>nerabil<span class=\"_ _0\"></span>ity rem<span class=\"_ _0\"></span>ain, <span class=\"_ _0\"></span>particul<span class=\"_ _0\"></span>arly in unpr<span class=\"_ _0\"></span>oces<span class=\"_ _0\"></span>sed foods and <span class=\"_ _0\"></span>air<span class=\"_ _0\"></span> transportation, the latte<span class=\"_ _0\"></span>r of whic<span class=\"_ _0\"></span>h may have moderate<span class=\"_ _0\"></span> impacts on tourist arrivals. <span class=\"_ _0\"></span><span class=\"ls1\"> </span>Net expo<span class=\"_ _0\"></span>rts are al<span class=\"_ _0\"></span>so expecte<span class=\"_ _0\"></span>d to continue<span class=\"_ _0\"></span> contributi<span class=\"_ _0\"></span>ng positive<span class=\"_ _0\"></span>ly to GD<span class=\"_ _0\"></span>P growth, dr<span class=\"_ _0\"></span>iven by trade se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span>s. Recreational, p<span class=\"_ _1\"></span>rofessiona<span class=\"_ _1\"></span>l, IT, and financia<span class=\"_ _1\"></span>l services are projected to con<span class=\"_ _1\"></span>tinue expand<span class=\"_ _1\"></span>ing, contribu<span class=\"_ _1\"></span>ting positivel<span class=\"_ _0\"></span>y to net e<span class=\"_ _0\"></span>xports. T<span class=\"_ _0\"></span>he Central<span class=\"_ _0\"></span> Bank <span class=\"ls7 ws9f\">of Malta estimates an effec<span class=\"_ _0\"></span>tive tariff rate for Malta at 6.0%, </span>much lo<span class=\"_ _1\"></span>wer tha<span class=\"_ _1\"></span>t the 15% a<span class=\"_ _1\"></span>ppli<span class=\"_ _1\"></span>ed to th<span class=\"_ _1\"></span>e EU blo<span class=\"_ _1\"></span>c, a resu<span class=\"_ _1\"></span>lt of a majo<span class=\"_ _1\"></span>rity o<span class=\"_ _1\"></span>f export<span class=\"_ _1\"></span>ed Malt<span class=\"_ _1\"></span>ese good<span class=\"_ _1\"></span>s to<span class=\"_ _1\"></span> the US exemp<span class=\"_ _1\"></span>ted from t<span class=\"_ _1\"></span>he tari<span class=\"_ _1\"></span>ff regi<span class=\"_ _1\"></span>me (bas<span class=\"_ _1\"></span>ic pha<span class=\"_ _1\"></span>rmaceut<span class=\"_ _1\"></span>ical pr<span class=\"_ _1\"></span>odu<span class=\"_ _1\"></span>cts,<span class=\"_ _1\"></span> basic meta<span class=\"_ _1\"></span>ls an<span class=\"_ _1\"></span>d computer<span class=\"_ _1\"></span>, electro<span class=\"_ _1\"></span>nic and optical<span class=\"_ _0\"></span> product<span class=\"_ _0\"></span>s). <span class=\"ls1 ws1\"> </span>Employme<span class=\"_ _0\"></span>nt grow<span class=\"_ _0\"></span>th is expecte<span class=\"_ _0\"></span>d to mode<span class=\"_ _0\"></span>rate, as ec<span class=\"_ _0\"></span>onomic gro<span class=\"_ _0\"></span>wth ease<span class=\"_ _0\"></span>s and producti<span class=\"_ _0\"></span>vity gains g<span class=\"_ _0\"></span>round. Policies aim<span class=\"_ _1\"></span>ed at limiting <span class=\"_ _1\"></span>inward migra<span class=\"_ _1\"></span>tion flo<span class=\"_ _1\"></span>ws such as<span class=\"_ _1\"></span> skills card requ<span class=\"_ _1\"></span>irements, the regul<span class=\"_ _1\"></span>ation o<span class=\"_ _1\"></span>f temping agencies, and the m<span class=\"_ _0\"></span>oratorium<span class=\"_ _0\"></span> on food couriers<span class=\"_ _0\"></span> a<span class=\"ls6 ws37\">nd cab drivers should<span class=\"_ _1\"></span> result in slow down in foreign </span>workers<span class=\"_ _1\"></span> inflo<span class=\"_ _1\"></span>ws. The u<span class=\"_ _1\"></span>nempl<span class=\"_ _1\"></span>oyment<span class=\"_ _1\"></span> rate is<span class=\"_ _1\"></span> expected<span class=\"_ _1\"></span> to edge do<span class=\"_ _1\"></span>wn from 2.<span class=\"_ _1\"></span>9% in 2025<span class=\"_ _1\"></span> to 2.<span class=\"_ _1\"></span>8% by 2027, remaini<span class=\"_ _1\"></span>ng belo<span class=\"_ _1\"></span>w its<span class=\"_ _1\"></span> natu<span class=\"_ _1\"></span>ral ra<span class=\"_ _1\"></span>te of 3.1<span class=\"_ _1\"></span>%. This<span class=\"_ _1\"></span> negativ<span class=\"_ _1\"></span>e une<span class=\"_ _1\"></span>mploy<span class=\"_ _1\"></span>ment gap<span class=\"_ _1\"></span> is exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> to be a<span class=\"_ _1\"></span> key fact<span class=\"_ _1\"></span>or <span class=\"ls6 ws8\">in </span>wage growth outlook.<span class=\"ls1\"> </span>Govern<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span> deficit<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to<span class=\"_ _1\"></span></span>-<span class=\"ls6 ws1d\">GDP ratio is<span class=\"_ _1\"></span> set to decline from 3.5% in 2024 to 2.1% in<span class=\"_ _1\"></span> 2028, resulting from a lower<span class=\"_ _1\"></span> </span></span>share of inflati<span class=\"_ _0\"></span>on<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">mitigation measu<span class=\"_ _1\"></span>re</span>s <span class=\"ls8 ws15\">and capita<span class=\"_ _0\"></span>l expe<span class=\"_ _0\"></span>nditur<span class=\"_ _0\"></span>e. Me<span class=\"_ _0\"></span>anwhile<span class=\"_ _0\"></span>, gove<span class=\"_ _0\"></span>rnment debt<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls9 wsa\">to<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">GDP ratio </span></span></span></span></span></span>is expected to p<span class=\"_ _1\"></span>eak at 47.6% in<span class=\"_ _1\"></span> 2026 and decline to<span class=\"_ _1\"></span> 46<span class=\"ls1 ws1\">.</span>9% by 2028. <span class=\"ls1 ws1\"> </span>The Ce<span class=\"_ _0\"></span>ntral Bank of Malta a<span class=\"_ _0\"></span>ssesses risks<span class=\"_ _0\"></span> to the Malt<span class=\"_ _0\"></span>ese e<span class=\"_ _0\"></span>conomy as broadly b<span class=\"_ _0\"></span>alanced. Dow<span class=\"_ _0\"></span>nside risks<span class=\"_ _0\"></span> mainly<span class=\"_ _1\"></span> emanat<span class=\"_ _1\"></span>e from g<span class=\"_ _1\"></span>eopoli<span class=\"_ _1\"></span>tica<span class=\"_ _1\"></span>l tensi<span class=\"_ _1\"></span>ons a<span class=\"_ _1\"></span>nd furth<span class=\"_ _1\"></span>er cha<span class=\"_ _1\"></span>nges to<span class=\"_ _1\"></span> the US ta<span class=\"_ _1\"></span>riff reg<span class=\"_ _1\"></span>ime th<span class=\"_ _1\"></span>at cou<span class=\"_ _1\"></span>ld lead<span class=\"_ _1\"></span> to supply chai<span class=\"_ _0\"></span>n disrupt<span class=\"_ _0\"></span>ions re<span class=\"_ _0\"></span>sulti<span class=\"_ _0\"></span>ng in hig<span class=\"_ _0\"></span>her input <span class=\"ls5 ws2b\">co<span class=\"_ _0\"></span>sts<span class=\"_ _1\"></span>. This would<span class=\"_ _1\"></span> also<span class=\"_ _1\"></span> negativ<span class=\"_ _1\"></span>ely affect<span class=\"_ _1\"></span> govern<span class=\"_ _1\"></span>ment d<span class=\"_ _1\"></span>eficit<span class=\"_ _1\"></span> </span>if ene<span class=\"_ _0\"></span>rgy support m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span>d. On the upsi<span class=\"_ _0\"></span>de, t<span class=\"_ _0\"></span>he labour m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>t could pe<span class=\"_ _0\"></span>rform be<span class=\"_ _0\"></span>tter than<span class=\"_ _0\"></span> expec<span class=\"_ _0\"></span>ted, re<span class=\"_ _0\"></span>sulting i<span class=\"_ _0\"></span>n stronger pri<span class=\"_ _0\"></span>vate consum<span class=\"_ _0\"></span>ption gro<span class=\"_ _0\"></span>wth.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>Based on the<span class=\"_ _0\"></span> above, e<span class=\"_ _0\"></span>conomic unc<span class=\"_ _0\"></span>ertainty co<span class=\"_ _0\"></span>ntinues to r<span class=\"_ _0\"></span>emai<span class=\"_ _0\"></span>n a source of conc<span class=\"_ _0\"></span>ern. This unc<span class=\"_ _0\"></span>ertaint<span class=\"_ _0\"></span>y impacts t<span class=\"_ _0\"></span>he busi<span class=\"_ _0\"></span>ness mode<span class=\"_ _0\"></span>l, inc<span class=\"_ _0\"></span>ome l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span>s and/or cash f<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span> gene<span class=\"_ _0\"></span>ration c<span class=\"_ _0\"></span>apacity of<span class=\"_ _0\"></span> a por<span class=\"_ _0\"></span>tion of the<span class=\"_ _0\"></span> Bank'<span class=\"_ _0\"></span>s cust<span class=\"_ _1\"></span>omers. Th<span class=\"_ _1\"></span>is ha<span class=\"_ _1\"></span>s impact<span class=\"_ _1\"></span>ed the p<span class=\"_ _1\"></span>erforman<span class=\"_ _1\"></span>ce of the<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span><span class=\"ls6 ws30\">Bank\u2019s expected cr<span class=\"_ _1\"></span>edit loss models,<span class=\"_ _1\"></span> requiring </span></span>enhance<span class=\"_ _0\"></span>d monitor<span class=\"_ _0\"></span>ing of m<span class=\"_ _0\"></span>odel outputs.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>In view of the ab<span class=\"_ _1\"></span>ove, the Bank continu<span class=\"_ _1\"></span>ed to closely monit<span class=\"_ _1\"></span>or activities on its loan<span class=\"_ _1\"></span> portfolio. During th<span class=\"_ _1\"></span>e year ended 31<span class=\"_ _0\"></span> Dec<span class=\"_ _0\"></span>ember 2<span class=\"_ _0\"></span>025, w<span class=\"_ _0\"></span>here<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span>d, the B<span class=\"_ _0\"></span>ank c<span class=\"_ _0\"></span>ontinued to <span class=\"_ _0\"></span>provide<span class=\"_ _0\"></span> suppo<span class=\"_ _0\"></span>rt to cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>rs exper<span class=\"_ _0\"></span>iencing l<span class=\"_ _0\"></span>iquidity pre<span class=\"_ _0\"></span>ssure<span class=\"_ _0\"></span>s as a result o<span class=\"_ _0\"></span>f the pr<span class=\"_ _0\"></span>e<span class=\"ls6 ws34\">vailing macro<span class=\"ls1 ws1\">-<span class=\"_ _1\"></span></span>economic scen<span class=\"_ _1\"></span>ario, a<span class=\"_ _1\"></span>lbeit to a much </span>lesser<span class=\"_ _1\"></span> extent t<span class=\"_ _1\"></span>han t<span class=\"_ _1\"></span>he prev<span class=\"_ _1\"></span>ious<span class=\"_ _1\"></span> year.<span class=\"ls1 ws1\"> </span>In vi<span class=\"_ _1\"></span>ew of the<span class=\"_ _1\"></span> natu<span class=\"_ _1\"></span>re of th<span class=\"_ _1\"></span>e Ba<span class=\"_ _1\"></span>nk\u2019s<span class=\"_ _1\"></span> port<span class=\"_ _1\"></span>folio, wh<span class=\"_ _1\"></span>ere a rela<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>ely sma<span class=\"_ _1\"></span>ll numb<span class=\"_ _1\"></span>er of l<span class=\"_ _1\"></span>oans<span class=\"_ _1\"></span> comp<span class=\"_ _1\"></span>rise a s<span class=\"_ _1\"></span>ignifi<span class=\"_ _1\"></span>cant proportion of<span class=\"_ _0\"></span> the lo<span class=\"_ _0\"></span>an book val<span class=\"_ _0\"></span>ue, the B<span class=\"_ _0\"></span>ank conti<span class=\"_ _0\"></span>nued to apply an i<span class=\"_ _0\"></span>ndivi<span class=\"_ _0\"></span>dual<span class=\"ls1 ws1\">-</span><span class=\"ws16\">debtor<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws2f\">focused<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it </span></span></span>manage<span class=\"_ _0\"></span>ment proce<span class=\"_ _0\"></span>ss.  Such pr<span class=\"_ _0\"></span>ocess ena<span class=\"_ _0\"></span>bled the<span class=\"_ _0\"></span> <span class=\"ls6 ws12\">identificati<span class=\"_ _1\"></span>on of any<span class=\"_ _1\"></span> deterioration<span class=\"_ _1\"></span> in credit risk<span class=\"_ _1\"></span> at the level </span>of the Bank\u2019s mate<span class=\"_ _0\"></span>rial exposures at an early stage and the e<span class=\"_ _0\"></span>stimation of expected credit loss allowance<span class=\"_ _0\"></span>s using the be<span class=\"_ _0\"></span>st possibl<span class=\"_ _0\"></span>e judge<span class=\"_ _11\"></span>ment.<span class=\"ls1 ws1\"> </span>Notwiths<span class=\"_ _1\"></span>tanding the resil<span class=\"_ _1\"></span>ience of the local economy<span class=\"_ _1\"></span>, during 2025, the Ban<span class=\"_ _1\"></span>k continued to asses<span class=\"_ _1\"></span>s and individuall<span class=\"_ _0\"></span>y rate<span class=\"_ _0\"></span> on an<span class=\"_ _0\"></span> ongoing<span class=\"_ _0\"></span> basis th<span class=\"_ _0\"></span>ose bor<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span>s dee<span class=\"_ _0\"></span>med mostl<span class=\"_ _0\"></span>y impac<span class=\"_ _0\"></span>ted by<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>urrent<span class=\"_ _0\"></span> macro<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>econo<span class=\"_ _1\"></span>mic unc<span class=\"_ _1\"></span>ertain<span class=\"_ _1\"></span>ties.<span class=\"_ _1\"></span> Expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> deemed mos<span class=\"_ _1\"></span>tly i<span class=\"_ _1\"></span>mpact<span class=\"_ _1\"></span>ed a<span class=\"_ _1\"></span>n<span class=\"ls6 ws1d\">d in res<span class=\"_ _1\"></span>pect of which sign<span class=\"_ _1\"></span>ificant increase in<span class=\"_ _1\"></span> </span>credit risk (\u2018<span class=\"_ _1\"></span>SICR\u2019) and<span class=\"_ _1\"></span> unlikeness<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls8 wsb\">pay (\u2018U<span class=\"_ _0\"></span>TP\u2019)<span class=\"_ _0\"></span> indicato<span class=\"_ _0\"></span>rs have been obse<span class=\"_ _0\"></span>rved are<span class=\"_ _0\"></span> assigne<span class=\"_ _0\"></span>d an ele<span class=\"_ _0\"></span>vated </span></span>internal<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t rating<span class=\"_ _0\"></span>, requiring clo<span class=\"_ _0\"></span>ser and mo<span class=\"_ _0\"></span>re frequent m<span class=\"_ _0\"></span>onitori<span class=\"_ _0\"></span>ng on a monthly or<span class=\"_ _0\"></span> quarter<span class=\"_ _0\"></span>ly basis (d<span class=\"ls8 wsa\">epending on t<span class=\"_ _0\"></span>he ext<span class=\"_ _0\"></span>ent of cre<span class=\"_ _0\"></span>dit risk de<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>oration)<span class=\"_ _0\"></span>. <span class=\"ls1 ws1\"> </span></span>The B<span class=\"_ _0\"></span>ank continue<span class=\"_ _0\"></span>d to monitor close<span class=\"_ _0\"></span>ly corpor<span class=\"_ _0\"></span>ate and c<span class=\"_ _0\"></span>ommercial e<span class=\"_ _0\"></span>xposures pre<span class=\"_ _0\"></span>viously assigne<span class=\"_ _0\"></span>d to any of<span class=\"_ _0\"></span> the under<span class=\"_ _0\"></span>perform<span class=\"_ _0\"></span>ing grades (P2,<span class=\"_ _0\"></span> P3) (note<span class=\"_ _0\"></span> 2.3.8) to update<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk assessm<span class=\"_ _0\"></span>ents by re<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e to actual finan<span class=\"_ _1\"></span>cial per<span class=\"_ _1\"></span>forma<span class=\"_ _1\"></span>nce and<span class=\"_ _1\"></span>, wh<span class=\"_ _1\"></span>ere ava<span class=\"_ _1\"></span>ilable,<span class=\"_ _1\"></span> fin<span class=\"ls7 ws1\">ancial forecasts. <span class=\"ls1\"> </span></span>In relation to personal exposures, the Bank typically re<span class=\"_ _0\"></span>sorts more to portfolio measures or reviews in respect of g<span class=\"_ _1\"></span>roups of exp<span class=\"_ _1\"></span>osures<span class=\"_ _1\"></span> exhibiting s<span class=\"_ _1\"></span>hared risk<span class=\"_ _1\"></span> characteristi<span class=\"_ _1\"></span>cs, unless<span class=\"_ _1\"></span> specific debto<span class=\"_ _1\"></span>r level infor<span class=\"_ _1\"></span>mation which s<span class=\"_ _1\"></span>ugges<span class=\"_ _1\"></span>ts dev<span class=\"_ _1\"></span>elopmen<span class=\"_ _1\"></span>ts in<span class=\"_ _1\"></span> the res<span class=\"_ _1\"></span>pec<span class=\"ls7 ws1\">tive credit risk bec<span class=\"_ _0\"></span>omes known to the Bank.<span class=\"ls1\"> </span></span>The curr<span class=\"_ _1\"></span>ent ma<span class=\"_ _1\"></span>cro<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>econo<span class=\"_ _1\"></span>mic en<span class=\"_ _1\"></span>viron<span class=\"_ _1\"></span>ment con<span class=\"_ _1\"></span>tinu<span class=\"_ _1\"></span>es to gi<span class=\"_ _1\"></span>ve ri<span class=\"_ _1\"></span>se to a<span class=\"_ _1\"></span>n elev<span class=\"_ _1\"></span>ated l<span class=\"_ _1\"></span>evel <span class=\"_ _1\"></span>of unc<span class=\"_ _1\"></span>ertain<span class=\"_ _1\"></span>ty in<span class=\"_ _1\"></span> respec<span class=\"_ _1\"></span>t of the ec<span class=\"_ _1\"></span>onomic<span class=\"_ _1\"></span> outlo<span class=\"_ _1\"></span>ok. Hen<span class=\"_ _1\"></span>ce, th<span class=\"_ _1\"></span>e level of s<span class=\"_ _1\"></span>ubjectiv<span class=\"_ _1\"></span>ity u<span class=\"_ _1\"></span>nderly<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e ECL model<span class=\"_ _1\"></span> paramet<span class=\"_ _1\"></span>ers, inclu<span class=\"_ _1\"></span>ding h<span class=\"_ _1\"></span>ow thes<span class=\"_ _1\"></span>e react t<span class=\"_ _1\"></span>o forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls6 ws37\">looking econo<span class=\"_ _1\"></span>mi</span></span>c co<span class=\"_ _1\"></span>ndit<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> remains<span class=\"_ _1\"></span> elevat<span class=\"_ _1\"></span>ed. This n<span class=\"_ _1\"></span>ecessit<span class=\"_ _1\"></span>ates more regular <span class=\"_ _1\"></span>monitorin<span class=\"_ _1\"></span>g and r<span class=\"_ _1\"></span>igorous eva<span class=\"_ _1\"></span>luation of f<span class=\"_ _1\"></span>orecast econo<span class=\"_ _1\"></span>mic condit<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span>, together wit<span class=\"_ _1\"></span>h height<span class=\"_ _1\"></span>ened exp<span class=\"_ _1\"></span>ert ju<span class=\"_ _1\"></span>dgemen<span class=\"_ _1\"></span>t, i<span class=\"_ _1\"></span>n order<span class=\"_ _1\"></span> to bes<span class=\"_ _1\"></span>t determin<span class=\"_ _1\"></span>e the r<span class=\"_ _1\"></span>ange of p<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span>ible econ<span class=\"_ _1\"></span>omic<span class=\"_ _1\"></span> outco<span class=\"_ _1\"></span>mes us<span class=\"_ _1\"></span>ed for the<span class=\"_ _0\"></span> pur<span class=\"ls5 ws22\">poses<span class=\"_ _1\"></span> of esti<span class=\"_ _1\"></span>matin<span class=\"_ _1\"></span>g ECL.<span class=\"_ _1\"></span> Furth<span class=\"_ _1\"></span>er infor<span class=\"_ _1\"></span>matio<span class=\"_ _1\"></span>n in <span class=\"_ _1\"></span>resp<span class=\"_ _1\"></span>ect of ma<span class=\"_ _1\"></span>cro<span class=\"ls1 ws1\">-</span>eco<span class=\"_ _1\"></span>nomi<span class=\"_ _1\"></span>c for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span> reflect<span class=\"_ _1\"></span>ed </span>within the E<span class=\"_ _1\"></span>CL calculation<span class=\"_ _1\"></span>s is provided in not<span class=\"_ _1\"></span>e 2.3.4. (Forward lo<span class=\"_ _1\"></span>oking informati<span class=\"_ _1\"></span>on incorporated<span class=\"_ _1\"></span> in the ECL model).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>2.3.3<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws6\">Cr<span class=\"_ _1\"></span>edit ris<span class=\"_ _1\"></span>k meas<span class=\"_ _1\"></span>uremen<span class=\"_ _1\"></span>t</span> </span>The mea<span class=\"_ _1\"></span>surem<span class=\"_ _1\"></span>ent of c<span class=\"_ _1\"></span>redit<span class=\"_ _1\"></span> expo<span class=\"_ _1\"></span>sure fo<span class=\"_ _1\"></span>r risk<span class=\"_ _1\"></span> managem<span class=\"_ _1\"></span>ent p<span class=\"_ _1\"></span>urpo<span class=\"_ _1\"></span>ses co<span class=\"_ _1\"></span>nsid<span class=\"_ _1\"></span>ers th<span class=\"_ _1\"></span>at an exp<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>e varies<span class=\"_ _1\"></span> with chan<span class=\"_ _1\"></span>ges in ma<span class=\"_ _1\"></span>rket co<span class=\"_ _1\"></span>nditi<span class=\"_ _1\"></span>ons, exp<span class=\"_ _1\"></span>ected ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws and<span class=\"_ _1\"></span> the pa<span class=\"_ _1\"></span>ssa<span class=\"_ _1\"></span>ge of time. Th<span class=\"_ _1\"></span>e ass<span class=\"_ _1\"></span>essment<span class=\"_ _1\"></span> of credi<span class=\"_ _1\"></span>t risk<span class=\"_ _1\"></span> of a po<span class=\"_ _1\"></span>rtfolio<span class=\"_ _1\"></span> of ass<span class=\"_ _1\"></span>ets en<span class=\"_ _1\"></span>tai<span class=\"_ _1\"></span>ls furt<span class=\"_ _1\"></span>her est<span class=\"_ _1\"></span>imat<span class=\"ls6 ws3d\">ion<span class=\"_ _1\"></span>s as to th<span class=\"_ _1\"></span>e likelihood o<span class=\"_ _1\"></span>f defaults<span class=\"_ _1\"></span> occurring, of th<span class=\"_ _1\"></span>e </span>ass<span class=\"_ _1\"></span>ociated<span class=\"_ _1\"></span> loss r<span class=\"_ _1\"></span>atios and<span class=\"_ _1\"></span> of default<span class=\"_ _1\"></span> correla<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> betwe<span class=\"_ _1\"></span>en cou<span class=\"_ _1\"></span>nterpa<span class=\"_ _1\"></span>rties.<span class=\"_ _1\"></span> The Grou<span class=\"_ _1\"></span>p meas<span class=\"_ _1\"></span>ures<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk using Pro<span class=\"_ _1\"></span>bability o<span class=\"_ _1\"></span>f Default (\u2018P<span class=\"_ _1\"></span>D\u2019), Expo<span class=\"_ _1\"></span>sure at Defa<span class=\"_ _1\"></span>ult (\u2018EAD\u2019<span class=\"_ _1\"></span>) and Los<span class=\"_ _1\"></span>s Given D<span class=\"_ _1\"></span>efault (\u2018LGD<span class=\"_ _1\"></span>\u2019). This is s<span class=\"_ _1\"></span>imilar to the approa<span class=\"_ _0\"></span>ch use<span class=\"_ _0\"></span>d for the<span class=\"_ _0\"></span> purpose<span class=\"_ _0\"></span>s of me<span class=\"_ _0\"></span>asuring Expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d Credi<span class=\"_ _0\"></span>t Loss (\u2018ECL<span class=\"_ _0\"></span>\u2019) unde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9. Re<span class=\"_ _0\"></span>fer to not<span class=\"_ _0\"></span>e 2.3.4 for more deta<span class=\"_ _1\"></span>ils.<span class=\"ls1 ws1\"> </span>(a) Loans and advances to cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>rs<span class=\"ls1\"> </span>The Group us<span class=\"_ _1\"></span>es internal credi<span class=\"_ _1\"></span>t risk gradin<span class=\"_ _1\"></span>gs (note 2.3.8) to reflect its a<span class=\"_ _1\"></span>ssessment<span class=\"_ _1\"></span> of the Probab<span class=\"_ _1\"></span>ility of Defa<span class=\"_ _0\"></span>ult of individual<span class=\"_ _0\"></span> counterparti<span class=\"_ _0\"></span>es. Inte<span class=\"_ _0\"></span>rnal cr<span class=\"_ _0\"></span>edit risk grading<span class=\"_ _0\"></span>s are base<span class=\"_ _0\"></span>d on payment beha<span class=\"_ _0\"></span>viour, loan<span class=\"_ _0\"></span> speci<span class=\"_ _1\"></span>fic infor<span class=\"_ _1\"></span>matio<span class=\"_ _1\"></span>n and<span class=\"_ _1\"></span> expert<span class=\"_ _1\"></span> judgemen<span class=\"_ _1\"></span>t.<span class=\"ls1 ws1\"> </span>Corporat<span class=\"_ _0\"></span>e and commercial<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Inform<span class=\"_ _0\"></span>ation consi<span class=\"_ _0\"></span>dered by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup whe<span class=\"_ _0\"></span>n dete<span class=\"_ _0\"></span>rmining<span class=\"_ _0\"></span> the inter<span class=\"_ _0\"></span>nal cre<span class=\"_ _0\"></span>dit risk g<span class=\"_ _0\"></span>rades inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span> the payme<span class=\"_ _0\"></span>nt behaviour of<span class=\"_ _0\"></span> the bor<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span> and other inf<span class=\"_ _0\"></span>ormati<span class=\"_ _0\"></span>on about borrow<span class=\"_ _0\"></span>ers w<span class=\"_ _0\"></span>hich impact<span class=\"_ _0\"></span> their creditw<span class=\"_ _0\"></span>orthine<span class=\"_ _0\"></span>ss, includin<span class=\"_ _1\"></span>g level of income an<span class=\"_ _1\"></span>d/or financia<span class=\"_ _1\"></span>l perform<span class=\"ls5\">anc<span class=\"_ _1\"></span>e. <span class=\"ls1 ws1\"> </span></span>The G<span class=\"_ _0\"></span>roup dete<span class=\"_ _0\"></span>rmines it<span class=\"_ _0\"></span>s internal<span class=\"_ _0\"></span> rating g<span class=\"_ _0\"></span>rades at a <span class=\"_ _0\"></span>borrow<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>evel.<span class=\"_ _0\"></span> The Gro<span class=\"_ _0\"></span>up incorpora<span class=\"_ _0\"></span>tes any up<span class=\"_ _0\"></span>dated or new i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>ation/c<span class=\"_ _0\"></span>redit assessme<span class=\"_ _0\"></span>nts on an<span class=\"_ _0\"></span> ongoi<span class=\"_ _0\"></span>ng basis.<span class=\"_ _0\"></span> In addit<span class=\"_ _0\"></span>ion, t<span class=\"_ _0\"></span>he Grou<span class=\"_ _0\"></span>p also <span class=\"_ _0\"></span>updates<span class=\"_ _0\"></span> informa<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> abou<span class=\"_ _1\"></span>t the cred<span class=\"_ _1\"></span>itwort<span class=\"_ _1\"></span>hines<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e borr<span class=\"_ _1\"></span>ower fro<span class=\"_ _1\"></span>m sou<span class=\"_ _1\"></span>rces su<span class=\"_ _1\"></span>ch as fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l statemen<span class=\"_ _1\"></span>ts.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The cr<span class=\"_ _1\"></span>editwor<span class=\"_ _1\"></span>thines<span class=\"_ _1\"></span>s of t<span class=\"_ _1\"></span>he b<span class=\"_ _1\"></span>orrower i<span class=\"_ _1\"></span>s cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> in ev<span class=\"_ _1\"></span>ery per<span class=\"_ _1\"></span>iodic r<span class=\"_ _1\"></span>eview <span class=\"ls1 ws1\">- <span class=\"ls7 ws84\">normally on a yearly basis; or </span></span>more f<span class=\"_ _0\"></span>requent basi<span class=\"_ _0\"></span>s as dee<span class=\"_ _0\"></span>med nec<span class=\"_ _0\"></span>essary. T<span class=\"_ _0\"></span>his dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>s the updated inte<span class=\"_ _0\"></span>rnal cr<span class=\"_ _0\"></span>edit ri<span class=\"_ _0\"></span>sk grading<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span>Personal<span class=\"ls1 ws1\"> </span>Afte<span class=\"_ _0\"></span>r initia<span class=\"_ _0\"></span>l recognition,<span class=\"_ _0\"></span> for retai<span class=\"_ _0\"></span>l business, the<span class=\"_ _0\"></span> payment<span class=\"_ _0\"></span> behaviour o<span class=\"_ _0\"></span>f the bor<span class=\"_ _0\"></span>rower is moni<span class=\"_ _0\"></span>tored on an ongoing basi<span class=\"_ _0\"></span>s.  Any other<span class=\"_ _0\"></span> know<span class=\"_ _0\"></span>n inform<span class=\"_ _0\"></span>ation about t<span class=\"_ _0\"></span>he borrowe<span class=\"_ _0\"></span>r which im<span class=\"_ _0\"></span>pacts the<span class=\"_ _0\"></span> respective<span class=\"_ _0\"></span> credit worthine<span class=\"_ _0\"></span>ss, such as une<span class=\"_ _0\"></span>mploy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt and previo<span class=\"_ _0\"></span>us delinque<span class=\"_ _0\"></span>ncy hi<span class=\"_ _0\"></span>story, i<span class=\"_ _0\"></span>s also cap<span class=\"_ _0\"></span>tured.<span class=\"ls1 ws1\"> </span>(b) Other finan<span class=\"_ _1\"></span>cial assets<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>Other financia<span class=\"_ _1\"></span>l assets<span class=\"_ _1\"></span> include Ba<span class=\"_ _1\"></span>lances with <span class=\"_ _1\"></span>Central Bank o<span class=\"_ _1\"></span>f Malt<span class=\"_ _1\"></span>a,<span class=\"ls1 ws1\"> </span>treasury bills,<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls6 ws52\">financial in<span class=\"_ _1\"></span>vestments an<span class=\"_ _1\"></span>d </span></span>loans and adv<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span>s to banks.<span class=\"_ _0\"></span> T<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup utilise<span class=\"_ _0\"></span>s inter<span class=\"_ _0\"></span>nally ge<span class=\"_ _0\"></span>nerate<span class=\"_ _0\"></span>d model<span class=\"_ _0\"></span>s (as descr<span class=\"_ _0\"></span>ibed in note 2<span class=\"_ _0\"></span>.3.4.<span class=\"_ _0\"></span>3) to refle<span class=\"_ _1\"></span>ct its<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>t of th<span class=\"_ _1\"></span>e Proba<span class=\"_ _1\"></span>bility<span class=\"_ _1\"></span> of Defau<span class=\"_ _1\"></span>lt of i<span class=\"_ _1\"></span>ndiv<span class=\"_ _1\"></span>idua<span class=\"_ _1\"></span>l coun<span class=\"_ _1\"></span>terpar<span class=\"_ _1\"></span>ties. Th<span class=\"_ _1\"></span>ese grad<span class=\"_ _1\"></span>es are<span class=\"_ _1\"></span> continuously<span class=\"_ _0\"></span> monit<span class=\"_ _0\"></span>ored and<span class=\"_ _0\"></span> updated. T<span class=\"_ _0\"></span>he PD<span class=\"_ _0\"></span>s associa<span class=\"_ _0\"></span>ted w<span class=\"_ _0\"></span>ith ea<span class=\"_ _0\"></span>ch grade<span class=\"_ _0\"></span> are de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ined base<span class=\"_ _0\"></span>d on reali<span class=\"_ _0\"></span>sed publishe<span class=\"_ _0\"></span>d defaul<span class=\"_ _0\"></span>t rates ove<span class=\"_ _0\"></span>r the pri<span class=\"_ _0\"></span>or 12 m<span class=\"_ _0\"></span>onths.<span class=\"ls1 ws1\"> </span>In deter<span class=\"_ _0\"></span>mining the<span class=\"_ _0\"></span> Probabil<span class=\"_ _0\"></span>ity of Defaul<span class=\"_ _0\"></span>t of individual c<span class=\"_ _0\"></span>ounterpar<span class=\"_ _0\"></span>ties, the<span class=\"_ _0\"></span> Group di<span class=\"_ _0\"></span>stinguishe<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls5 ws7\">bet<span class=\"_ _1\"></span>ween<span class=\"_ _1\"></span> </span></span>expos<span class=\"_ _1\"></span>ures c<span class=\"_ _1\"></span>onsi<span class=\"_ _1\"></span>dered \u2018i<span class=\"_ _1\"></span>nves<span class=\"_ _1\"></span>tment<span class=\"ls1 ws1\">-<span class=\"ls8 ws47\">grade\u2019 and \u2018non</span>-<span class=\"ls8 ws47\">inve<span class=\"_ _0\"></span>stment g<span class=\"_ _0\"></span>rade\u2019 base<span class=\"_ _0\"></span>d on cre<span class=\"_ _0\"></span>dit ratings by re<span class=\"_ _0\"></span>cognise<span class=\"_ _0\"></span>d </span></span>external ratin<span class=\"_ _1\"></span>g agencies. <span class=\"ls1 ws1\"> </span>2.3.4<span class=\"ls1 ws1\"> <span class=\"_ _18\"> </span><span class=\"ls5 ws6\">E<span class=\"_ _1\"></span>xpected<span class=\"_ _1\"></span> Credit L<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span> measur<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span></span> </span>IFRS 9 outlines<span class=\"_ _1\"></span> a 'three<span class=\"ls1 ws1\">-</span>stage' mod<span class=\"_ _1\"></span>el for impair<span class=\"_ _1\"></span>ment bas<span class=\"_ _1\"></span>ed on chan<span class=\"_ _1\"></span>ges in credit qualit<span class=\"_ _1\"></span>y since initi<span class=\"_ _1\"></span>al recogn<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> as su<span class=\"_ _1\"></span>mmaris<span class=\"_ _1\"></span>ed below:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022 a financial in<span class=\"_ _1\"></span>strument that is not cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-</span>impaired on in<span class=\"_ _1\"></span>itial recognition is<span class=\"_ _1\"></span> classified in 'Stage 1' and<span class=\"_ _1\"></span> has its cre<span class=\"_ _0\"></span>dit risk co<span class=\"_ _0\"></span>ntinuousl<span class=\"_ _0\"></span>y monitor<span class=\"_ _0\"></span>ed by the G<span class=\"_ _0\"></span>roup;<span class=\"ls1 ws1\"> </span>\u2022 if a significan<span class=\"_ _1\"></span>t increase in credit<span class=\"_ _1\"></span> risk (\u2018SICR\u2019) sin<span class=\"_ _1\"></span>ce initial recognit<span class=\"_ _1\"></span>ion is iden<span class=\"_ _1\"></span>tified, the financial ins<span class=\"_ _1\"></span>trument is mov<span class=\"_ _1\"></span>ed to 'S<span class=\"_ _1\"></span>tage 2<span class=\"_ _1\"></span>' but is<span class=\"_ _1\"></span> not yet<span class=\"_ _1\"></span> deemed<span class=\"_ _1\"></span> to be cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-</span>i<span class=\"_ _1\"></span>mpai<span class=\"_ _1\"></span>red. Plea<span class=\"_ _1\"></span>se ref<span class=\"_ _1\"></span>er to n<span class=\"_ _1\"></span>ote<span class=\"_ _1\"></span> 2.3.4.1 fo<span class=\"_ _1\"></span>r a descript<span class=\"_ _0\"></span>ion of how<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span> deter<span class=\"_ _0\"></span>mines<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">when a significan<span class=\"_ _1\"></span>t increas<span class=\"_ _1\"></span>e in credit risk h<span class=\"_ _1\"></span>as occurred;</span> </span>\u2022 if the financial i<span class=\"_ _1\"></span>nstrument is credit<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">i<span class=\"_ _1\"></span>mpaired<span class=\"_ _1\"></span>, the fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l instru<span class=\"_ _1\"></span>ment is<span class=\"_ _1\"></span> then mov<span class=\"_ _1\"></span>ed to 'Sta<span class=\"_ _1\"></span>ge 3'. Pleas<span class=\"_ _1\"></span>e </span></span>refer to n<span class=\"_ _1\"></span>ote 2.3<span class=\"_ _1\"></span>.4.2 fo<span class=\"_ _1\"></span>r a des<span class=\"_ _1\"></span>crip<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f how th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span> defin<span class=\"_ _1\"></span>es cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">impaired and de<span class=\"_ _0\"></span>fault;<span class=\"ls1 ws1\"> </span></span></span>\u2022 financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents in \u2018S<span class=\"_ _0\"></span>tage 1<span class=\"_ _0\"></span>\u2019 have the<span class=\"_ _0\"></span>ir ECL m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at an amount equal<span class=\"_ _0\"></span> to the port<span class=\"_ _0\"></span>ion of<span class=\"_ _0\"></span> lif<span class=\"_ _0\"></span>etime expec<span class=\"_ _0\"></span>ted credi<span class=\"_ _0\"></span>t losses that r<span class=\"_ _0\"></span>esult from<span class=\"_ _0\"></span> default e<span class=\"_ _0\"></span>vents possible<span class=\"_ _0\"></span> withi<span class=\"_ _0\"></span>n the next 12 m<span class=\"_ _0\"></span>onths. Instrum<span class=\"_ _0\"></span>ents in \u2018St<span class=\"_ _1\"></span>ages 2\u2019<span class=\"_ _1\"></span> or \u20183\u2019 hav<span class=\"_ _1\"></span>e their ECL mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> bas<span class=\"_ _1\"></span>ed on expec<span class=\"_ _1\"></span>ted cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses on a<span class=\"_ _1\"></span> lifetim<span class=\"_ _1\"></span>e basi<span class=\"_ _1\"></span>s. Plea<span class=\"_ _1\"></span>se refe<span class=\"_ _0\"></span>r to note<span class=\"_ _0\"></span> 2.3.4<span class=\"_ _0\"></span>.3 for<span class=\"_ _0\"></span> a de<span class=\"_ _0\"></span>scriptio<span class=\"_ _0\"></span>n of inpu<span class=\"_ _0\"></span>ts, as<span class=\"_ _0\"></span>sumptions <span class=\"_ _0\"></span>and e<span class=\"_ _0\"></span>stimati<span class=\"_ _0\"></span>on techni<span class=\"_ _0\"></span>ques use<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span> measu<span class=\"_ _1\"></span>ring th<span class=\"_ _1\"></span>e ECL;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022 a pervas<span class=\"_ _1\"></span>ive concept in measuring E<span class=\"_ _1\"></span>CL in accordance with IFRS 9 i<span class=\"_ _1\"></span>s that it should consider forward<span class=\"_ _1\"></span> looking i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>ation. Note<span class=\"_ _0\"></span> 2.3.4.4 inc<span class=\"_ _0\"></span>ludes an e<span class=\"_ _0\"></span>xplanation o<span class=\"_ _0\"></span>f how the Group ha<span class=\"_ _0\"></span>s incorpora<span class=\"_ _0\"></span>ted this in i<span class=\"_ _0\"></span>ts ECL mod<span class=\"_ _1\"></span>els; an<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\"> </span>\u2022 purchased or<span class=\"_ _0\"></span> ori<span class=\"_ _0\"></span>ginated c<span class=\"_ _0\"></span>redit<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws85\">impaired financia<span class=\"_ _1\"></span>l assets are tho<span class=\"_ _1\"></span>se financial ass<span class=\"_ _1\"></span>ets that are credit</span>-<span class=\"_ _bc\"> </span></span>impaired on in<span class=\"_ _1\"></span>itial recognitio<span class=\"_ _1\"></span>n. Their ECL<span class=\"_ _1\"></span> is always meas<span class=\"_ _1\"></span>ured on<span class=\"_ _1\"></span> a lifetime basis (\u2018<span class=\"_ _1\"></span>Stage 3\u2019).<span class=\"ls1 ws1\"> </span>Further<span class=\"_ _0\"></span> explanat<span class=\"_ _0\"></span>ion is a<span class=\"_ _0\"></span>lso pro<span class=\"_ _0\"></span>vided i<span class=\"_ _0\"></span>n respe<span class=\"_ _0\"></span>ct of <span class=\"_ _0\"></span>how the<span class=\"_ _0\"></span> Group de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ines appropr<span class=\"_ _0\"></span>iate g<span class=\"_ _11\"></span>roupings of loans<span class=\"_ _0\"></span> and a<span class=\"_ _1\"></span>dvanc<span class=\"_ _1\"></span>es to cu<span class=\"_ _1\"></span>stomer<span class=\"_ _1\"></span>s for E<span class=\"_ _1\"></span>CL measu<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span> (refer t<span class=\"_ _1\"></span>o n<span class=\"_ _1\"></span>ote 2.3.4<span class=\"_ _1\"></span>.5).<span class=\"ls1 ws1\"> </span>The Expe<span class=\"_ _0\"></span>cted Cre<span class=\"_ _0\"></span>dit Loss re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents appl<span class=\"_ _0\"></span>y to financ<span class=\"_ _0\"></span>ial assets m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at amor<span class=\"_ _0\"></span>tised cost a<span class=\"_ _0\"></span>nd FVOC<span class=\"_ _0\"></span>I, and certain<span class=\"_ _1\"></span> loan commitmen<span class=\"_ _1\"></span>ts and fin<span class=\"_ _1\"></span>ancial guara<span class=\"_ _1\"></span>ntee contracts. At in<span class=\"_ _1\"></span>itial recognitio<span class=\"_ _1\"></span>n, an impair<span class=\"_ _1\"></span>ment allowa<span class=\"_ _1\"></span>nce (or p<span class=\"_ _1\"></span>rovi<span class=\"_ _1\"></span>sion i<span class=\"_ _1\"></span>n the cas<span class=\"_ _1\"></span>e of commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> a<span class=\"ls8 ws56\">nd guarante<span class=\"_ _0\"></span>es) is re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d for E<span class=\"_ _0\"></span>CL re<span class=\"_ _0\"></span>sulting f<span class=\"_ _0\"></span>rom </span>default<span class=\"_ _0\"></span> events tha<span class=\"_ _0\"></span>t are possi<span class=\"_ _0\"></span>ble w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> next 12 m<span class=\"_ _0\"></span>onths (12<span class=\"ls1 ws1\">-</span>mo<span class=\"_ _0\"></span>nth ECL). I<span class=\"_ _0\"></span>n the event of a si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant increase in cred<span class=\"_ _1\"></span>it risk, an allowan<span class=\"_ _1\"></span>ce (or provis<span class=\"_ _1\"></span>ion) is requ<span class=\"_ _1\"></span>ired for ECL resulting from a<span class=\"_ _1\"></span>ll possib<span class=\"_ _1\"></span>le <span class=\"ls5 ws7\">default </span>event<span class=\"_ _1\"></span>s over<span class=\"_ _1\"></span> the expec<span class=\"_ _1\"></span>ted life<span class=\"_ _1\"></span> of the fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ins<span class=\"_ _1\"></span>trument (l<span class=\"_ _1\"></span>ifetime E<span class=\"_ _1\"></span>CL). Fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets where 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ws7\">month<span class=\"_ _1\"></span> </span>ECL is recogni<span class=\"_ _1\"></span>sed are con<span class=\"_ _1\"></span>sidered<span class=\"_ _1\"></span> \u2018Stage 1\u2019. <span class=\"ls8 wsa\">As outlined previously, f<span class=\"_ _0\"></span><span class=\"ls6 ws7\">inancial as<span class=\"_ _1\"></span>sets which a<span class=\"_ _1\"></span>re considered to<span class=\"_ _1\"></span> </span></span>have experienced a<span class=\"_ _1\"></span> significant in<span class=\"_ _1\"></span>crease in credit ris<span class=\"_ _1\"></span>k would be classified as<span class=\"_ _1\"></span> \u2018Stage 2\u2019 and financial a<span class=\"_ _1\"></span>ssets for which t<span class=\"_ _1\"></span>here is<span class=\"_ _1\"></span> object<span class=\"_ _1\"></span>ive evid<span class=\"_ _1\"></span>ence o<span class=\"_ _1\"></span>f imp<span class=\"_ _1\"></span>airmen<span class=\"_ _1\"></span>t, th<span class=\"_ _1\"></span>us cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> to be in<span class=\"_ _1\"></span> defau<span class=\"_ _1\"></span>lt or oth<span class=\"_ _1\"></span>erwise cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>i<span class=\"ls6 ws7\">mpaired, would<span class=\"_ _1\"></span> be classified <span class=\"_ _1\"></span>as \u2018Sta<span class=\"_ _1\"></span>ge 3\u2019.</span> The Group re<span class=\"_ _0\"></span>cognises loss allowance<span class=\"_ _0\"></span>s at an amount equal <span class=\"_ _0\"></span>to 12<span class=\"ls1 ws1\">-<span class=\"ls5 ws2a\">month ECL<span class=\"_ _1\"></span> for debt<span class=\"_ _1\"></span> invest<span class=\"_ _1\"></span>ment secu<span class=\"_ _1\"></span>rities<span class=\"_ _1\"></span> </span></span>that are de<span class=\"_ _0\"></span>termine<span class=\"_ _0\"></span>d to have low<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk at the re<span class=\"_ _0\"></span>porting date<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup conside<span class=\"_ _0\"></span>rs a debt securi<span class=\"_ _0\"></span>ty to have low credit r<span class=\"_ _1\"></span>isk when it is<span class=\"_ _1\"></span> considered \u2018i<span class=\"_ _1\"></span>nv<span class=\"ls5 ws7\">est<span class=\"_ _1\"></span>ment<span class=\"ls1 ws1\">-<span class=\"lsb ws2c\">grade\u2019, <span class=\"_ _14\"></span><span class=\"ls7 ws4e\">as <span class=\"_ _10\"> </span><span class=\"ls8 ws4f\">defined by re<span class=\"_ _0\"></span>cogni<span class=\"_ _0\"></span>sed exte<span class=\"_ _0\"></span>rnal ra<span class=\"_ _0\"></span>ting </span></span></span></span></span>agencies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The foll<span class=\"_ _0\"></span>owing diag<span class=\"_ _0\"></span>ram summarise<span class=\"_ _0\"></span>s the im<span class=\"_ _0\"></span>pairment requi<span class=\"_ _0\"></span>rements unde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9 (other than purc<span class=\"_ _0\"></span>hased or originated cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-</span>impaired f<span class=\"_ _1\"></span>inancial a<span class=\"_ _1\"></span>ssets):<span class=\"ls1 ws1\"> </span><table class=\"s w1e0 h1aa\" id=\"_be18df2e-83e5-49dd-8f87-8eaba9e6537c\"><tr><td class=\"c x2bb y1e52 wc3 ha4\"><div class=\"t m0 x106 h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 1<span class=\"ffa ls1\"> </span></div></td><td class=\"c x2bc y1e52 wc4 ha4\"><div class=\"t m0 x14 h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 2<span class=\"ffa ls1\"> </span></div></td><td class=\"c x2bd y1e52 wc5 ha4\"><div class=\"t m0 x46 h9 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Stage 3<span class=\"ls1\"> </span></div></td></tr><tr><td class=\"c x2bb y1e53 wc3 hcb\"><div class=\"t m0 x4f h3 ye50 ff1 fs1 fc0 sc0 ls6 ws7\">(Initial recogn<span class=\"_ _1\"></span>ition)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2bc y1e53 wc4 hcb\"><div class=\"t m0 xe9 h3 ye50 ff1 fs1 fc0 sc0 ls6 ws7\">(Significan<span class=\"_ _1\"></span>t increase in credi<span class=\"_ _1\"></span>t risk </div></td><td class=\"t m0 x2be h3 y1e54 ff1 fs1 fc0 sc0 ls5 ws7\">(Credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ls6\">impair<span class=\"_ _1\"></span>ed financial</span><span class=\"ls6\"> </span></td></tr><tr><td></td><td class=\"c x2bc y1e53 wc4 hcb\"><div class=\"t m0 xe5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">since initia<span class=\"_ _1\"></span>l recognition)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"t m0 x2bf h3 y1e55 ff1 fs1 fc0 sc0 lse ws8b\">assets)<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td class=\"c x2bb y1e56 wc3 hcb\"><div class=\"t m0 x88 h3 ye52 ff1 fs1 fc0 sc0 ls6 ws8\">12<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">mont<span class=\"_ _1\"></span>h expect<span class=\"_ _1\"></span>ed cr<span class=\"_ _1\"></span>edit lo<span class=\"_ _1\"></span>sses</span></span><span class=\"ls1 ws1\"><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x2bc y1e56 wc4 hcb\"><div class=\"t m0 x11 h3 ye52 ff1 fs1 fc0 sc0 ls5 ws6\">Lifeti<span class=\"_ _1\"></span>me exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2bd y1e56 wc5 hcb\"><div class=\"t m0 xdf h3 ye52 ff1 fs1 fc0 sc0 ls5 ws6\">Lifeti<span class=\"_ _1\"></span>me exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit </div></td></tr><tr><td></td><td></td><td class=\"c x2bd y1e56 wc5 hcb\"><div class=\"t m0 xf h3 y8d0 ff1 fs1 fc0 sc0 lse ws8b\">losses<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr></table>2.3.4.1<span class=\"ls1 ws1\"> <span class=\"_ _8a\"> </span></span><span class=\"ws7\">Signi<span class=\"_ _1\"></span>ficant increase in<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk (\u2018SICR\u2019)<span class=\"ls1 ws1\"> </span></span>To det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>e whet<span class=\"_ _1\"></span>her the<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k (i.<span class=\"_ _1\"></span>e. risk<span class=\"_ _1\"></span> of d<span class=\"_ _1\"></span>efaul<span class=\"_ _1\"></span>t) on a<span class=\"_ _1\"></span> financ<span class=\"_ _1\"></span>ial i<span class=\"_ _1\"></span>nstr<span class=\"_ _1\"></span>ument<span class=\"_ _1\"></span> has<span class=\"_ _1\"></span> increas<span class=\"_ _1\"></span>ed signifi<span class=\"_ _0\"></span>cantly sinc<span class=\"_ _0\"></span>e init<span class=\"_ _0\"></span>ial recogniti<span class=\"_ _0\"></span>on, the G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs reasona<span class=\"_ _0\"></span>ble and supporta<span class=\"_ _11\"></span>ble informati<span class=\"_ _0\"></span>on that is rele<span class=\"_ _0\"></span>vant and avai<span class=\"_ _0\"></span>lable w<span class=\"_ _0\"></span>ithout un<span class=\"_ _0\"></span>due cost<span class=\"_ _0\"></span> or e<span class=\"_ _0\"></span>ffort,<span class=\"_ _0\"></span> incl<span class=\"_ _0\"></span>uding both<span class=\"_ _0\"></span> quantita<span class=\"_ _0\"></span>tive a<span class=\"_ _0\"></span>nd qualit<span class=\"_ _0\"></span>ative<span class=\"_ _0\"></span> inform<span class=\"_ _0\"></span>ation. S<span class=\"_ _0\"></span>uch analysis is based on the<span class=\"_ _0\"></span> Group\u2019s hi<span class=\"_ _0\"></span>storical<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>rience, cre<span class=\"_ _0\"></span>dit assessme<span class=\"_ _0\"></span>nt and forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>looking inform<span class=\"_ _0\"></span>ation. <span class=\"ls1\"> </span>The G<span class=\"_ _0\"></span>roup prim<span class=\"_ _0\"></span>arily ide<span class=\"_ _0\"></span>ntifi<span class=\"_ _0\"></span>es whethe<span class=\"_ _0\"></span>r a SIC<span class=\"_ _0\"></span>R has occur<span class=\"_ _0\"></span>red <span class=\"_ _0\"></span>for an e<span class=\"_ _0\"></span>xposure w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> loa<span class=\"_ _0\"></span>ns and ad<span class=\"_ _0\"></span>vances<span class=\"_ _0\"></span> to custome<span class=\"_ _0\"></span>rs, throug<span class=\"_ _0\"></span>h the Gr<span class=\"_ _0\"></span>oup\u2019s inter<span class=\"_ _0\"></span>nal risk gr<span class=\"_ _0\"></span>adings. T<span class=\"_ _11\"></span>he Group allocat<span class=\"_ _0\"></span>es eac<span class=\"_ _0\"></span>h exposure to an inte<span class=\"_ _0\"></span>rnal rating grade based on a varie<span class=\"_ _0\"></span>ty of data that<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls8 ws18\">is determ<span class=\"_ _0\"></span>ined to be pre<span class=\"_ _0\"></span>dictive<span class=\"_ _0\"></span> of the ri<span class=\"_ _0\"></span>sk of default and appl<span class=\"_ _0\"></span>ying </span></span>exper<span class=\"_ _0\"></span>ienced c<span class=\"_ _0\"></span>redit judgeme<span class=\"_ _0\"></span>nt. These f<span class=\"_ _0\"></span>actors vary de<span class=\"_ _0\"></span>pending on the<span class=\"_ _0\"></span> nature of the<span class=\"_ _0\"></span> exposure and the type<span class=\"_ _0\"></span> of borrow<span class=\"_ _0\"></span>er. Exposure<span class=\"_ _0\"></span>s are subje<span class=\"_ _0\"></span>ct to ong<span class=\"_ _0\"></span>oing moni<span class=\"_ _0\"></span>toring, whi<span class=\"_ _0\"></span>ch may resul<span class=\"_ _0\"></span>t in an expos<span class=\"ls5 ws3b\">ure being <span class=\"_ _1\"></span>moved<span class=\"_ _1\"></span> </span>to a d<span class=\"_ _1\"></span>ifferent i<span class=\"_ _1\"></span>nterna<span class=\"_ _1\"></span>l ratin<span class=\"_ _1\"></span>g gra<span class=\"_ _1\"></span>de.<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup ident<span class=\"_ _0\"></span>ifies SI<span class=\"_ _0\"></span>CR and classif<span class=\"_ _0\"></span>ies such non<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws6\">defau<span class=\"_ _1\"></span>lted exp<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>es int<span class=\"_ _1\"></span>o \u2018Stag<span class=\"_ _1\"></span>e 2\u2019 when t<span class=\"_ _1\"></span>hey fu<span class=\"_ _1\"></span>lfil at </span></span>least one of th<span class=\"_ _1\"></span>e following con<span class=\"_ _1\"></span>ditions<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the ex<span class=\"_ _0\"></span>posure is c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d forbor<span class=\"_ _0\"></span>ne;<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws45\">the cred<span class=\"_ _1\"></span>it qua<span class=\"_ _1\"></span>lity o<span class=\"_ _1\"></span>f any o<span class=\"_ _1\"></span>ther exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>re(s) of t<span class=\"_ _1\"></span>he sa<span class=\"_ _1\"></span>me cus<span class=\"_ _1\"></span>tomer is<span class=\"_ _1\"></span>/are no<span class=\"_ _1\"></span>t cons<span class=\"_ _1\"></span>ider<span class=\"_ _1\"></span>ed \u2018reg<span class=\"_ _1\"></span>ular<span class=\"_ _1\"></span>\u2019 (except<span class=\"_ _1\"></span> </span>where ot<span class=\"_ _1\"></span>herwis<span class=\"_ _1\"></span>e sta<span class=\"_ _1\"></span>ted in t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s C<span class=\"_ _1\"></span>redit Po<span class=\"_ _1\"></span>licy e.g<span class=\"_ _1\"></span>. cash<span class=\"_ _1\"></span> covered<span class=\"_ _1\"></span> facilit<span class=\"_ _1\"></span>ies); a<span class=\"_ _1\"></span>nd<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span>\u2019s internal<span class=\"_ _0\"></span> rating g<span class=\"_ _0\"></span>rade i<span class=\"_ _0\"></span>s not consider<span class=\"_ _0\"></span>ed \u2018per<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ing\u2019, as de<span class=\"_ _0\"></span>fined i<span class=\"_ _0\"></span>n note 2.<span class=\"_ _0\"></span>3.8.<span class=\"ls1 ws1\"> </span></span>As referred to<span class=\"_ _1\"></span> previousl<span class=\"_ _1\"></span>y, exist<span class=\"_ _1\"></span>ing geopolitical fa<span class=\"_ _1\"></span>ctors a<span class=\"_ _1\"></span>s well as t<span class=\"_ _1\"></span>he current<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws7\">market</span> <span class=\"_ _14\"> </span><span class=\"ls8 ws33\">s<span class=\"_ _1\"></span>cenarios, w<span class=\"_ _0\"></span>ith the </span></span>consequent<span class=\"_ _0\"></span>ial ec<span class=\"_ _0\"></span>onomic conditio<span class=\"_ _0\"></span>ns, continue<span class=\"_ _0\"></span> to pose an e<span class=\"_ _0\"></span>levate<span class=\"_ _0\"></span>d level of unce<span class=\"_ _0\"></span>rtainty,<span class=\"_ _0\"></span> particul<span class=\"_ _0\"></span>arly wi<span class=\"_ _0\"></span>th respec<span class=\"_ _1\"></span>t to th<span class=\"_ _1\"></span>e ident<span class=\"_ _1\"></span>ificatio<span class=\"_ _1\"></span>n o<span class=\"_ _1\"></span>f custo<span class=\"_ _1\"></span>mers th<span class=\"_ _1\"></span>at wou<span class=\"_ _1\"></span>ld ha<span class=\"_ _1\"></span>ve experienc<span class=\"_ _1\"></span>ed a S<span class=\"_ _1\"></span>ICR.<span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank<span class=\"ls1 ws1\">\u2019</span>s individual<span class=\"ls1 ws1\"> </span><span class=\"ws16\">debtor<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws11\">focused approa<span class=\"_ _0\"></span>ch enable<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span> identi<span class=\"_ _0\"></span>ficati<span class=\"_ _0\"></span>on of SI<span class=\"_ _0\"></span>CR of signi<span class=\"_ _0\"></span>ficant e<span class=\"_ _0\"></span>xposures<span class=\"_ _0\"></span>, </span></span></span>specifically with<span class=\"_ _1\"></span>in its corp<span class=\"_ _1\"></span>orate and co<span class=\"_ _1\"></span>mmercial portfolio<span class=\"_ _1\"></span>. These expos<span class=\"_ _1\"></span>ures are as<span class=\"_ _1\"></span>sessed perio<span class=\"_ _1\"></span>dically for<span class=\"_ _1\"></span> SICR t<span class=\"_ _0\"></span>hrough indivi<span class=\"_ _0\"></span>dual c<span class=\"_ _0\"></span>redit <span class=\"_ _0\"></span>risk as<span class=\"_ _0\"></span>sessme<span class=\"_ _0\"></span>nts, on <span class=\"_ _0\"></span>the ba<span class=\"_ _0\"></span>sis o<span class=\"_ _0\"></span>f <span class=\"ls5 ws3f\">recently<span class=\"_ _1\"></span> obtai<span class=\"_ _1\"></span>ned man<span class=\"_ _1\"></span>agement i<span class=\"_ _1\"></span>nforma<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> </span>including<span class=\"_ _0\"></span> fore<span class=\"_ _0\"></span>casts. Exposure<span class=\"_ _0\"></span>s in respe<span class=\"_ _0\"></span>ct of whi<span class=\"_ _0\"></span>ch SICR has been o<span class=\"_ _0\"></span>bserved ar<span class=\"_ _0\"></span>e attributed hig<span class=\"_ _0\"></span>her ECL<span class=\"_ _0\"></span>, and are as<span class=\"_ _1\"></span>signed<span class=\"_ _1\"></span> an elev<span class=\"_ _1\"></span>ated i<span class=\"_ _1\"></span>nterna<span class=\"_ _1\"></span>l ratin<span class=\"_ _1\"></span>g of <span class=\"ls9 ws6f\">P2 or P3<span class=\"ls8 ws2d\">, hence r<span class=\"_ _11\"></span>equiring close<span class=\"_ _0\"></span>r and more<span class=\"_ _0\"></span> fre<span class=\"_ _0\"></span>quent monitor<span class=\"_ _0\"></span>ing </span></span>on a monthly or<span class=\"_ _0\"></span> quarte<span class=\"_ _0\"></span>rly ba<span class=\"_ _0\"></span>sis (depe<span class=\"_ _0\"></span>nding on the<span class=\"_ _0\"></span> exte<span class=\"_ _0\"></span>nt of<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit risk de<span class=\"_ _0\"></span>terio<span class=\"_ _0\"></span>ration) to f<span class=\"_ _0\"></span>acilit<span class=\"_ _0\"></span>ate time<span class=\"_ _0\"></span>ly identif<span class=\"_ _0\"></span>icati<span class=\"_ _0\"></span>on of furthe<span class=\"_ _0\"></span>r deteriorati<span class=\"_ _0\"></span>on in fina<span class=\"_ _0\"></span>ncial c<span class=\"_ _0\"></span>ondition. The<span class=\"_ _0\"></span> assessment<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span> to be perfo<span class=\"_ _0\"></span>rmed by the Com<span class=\"_ _1\"></span>merci<span class=\"_ _1\"></span>al Cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\"> </span>D<span class=\"_ _1\"></span>epart<span class=\"_ _1\"></span>ment an<span class=\"_ _1\"></span>d are di<span class=\"_ _1\"></span>scus<span class=\"_ _1\"></span>sed a<span class=\"_ _1\"></span>nd rev<span class=\"_ _1\"></span>iewed a<span class=\"_ _1\"></span>t Cred<span class=\"_ _1\"></span>it Co<span class=\"_ _1\"></span>mmittee <span class=\"_ _1\"></span>or Bo<span class=\"_ _1\"></span>ard lev<span class=\"_ _1\"></span>el as<span class=\"_ _1\"></span> applicab<span class=\"_ _1\"></span>le.<span class=\"ls1 ws1\"> </span>For the pur<span class=\"_ _0\"></span>pose of a<span class=\"_ _0\"></span>chieving<span class=\"_ _0\"></span> a compr<span class=\"_ _0\"></span>ehensi<span class=\"_ _0\"></span>ve assessm<span class=\"_ _0\"></span>ent the<span class=\"_ _0\"></span> Bank also ut<span class=\"_ _0\"></span>ilises,<span class=\"_ _0\"></span> as applic<span class=\"_ _0\"></span>able, segmentation<span class=\"_ _1\"></span> techniq<span class=\"_ _1\"></span>ues in relation<span class=\"_ _1\"></span> to identifyi<span class=\"_ _1\"></span>ng indicato<span class=\"_ _1\"></span>rs of SICR<span class=\"_ _1\"></span> within bot<span class=\"_ _1\"></span>h corpor<span class=\"_ _1\"></span>ate &amp; commer<span class=\"_ _1\"></span>cial and personal portfolios. <span class=\"ls1\"> </span>In relat<span class=\"_ _0\"></span>ion to per<span class=\"_ _0\"></span>sonal por<span class=\"_ _0\"></span>tf<span class=\"_ _0\"></span>olios, SIC<span class=\"_ _0\"></span>R is ge<span class=\"_ _0\"></span>neral<span class=\"_ _0\"></span>ly dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d on the basis<span class=\"_ _0\"></span> of de<span class=\"_ _0\"></span>linquenc<span class=\"_ _0\"></span>y relat<span class=\"_ _0\"></span>ed indicato<span class=\"_ _1\"></span>rs since less<span class=\"_ _1\"></span> information is<span class=\"_ _1\"></span> available at as<span class=\"_ _1\"></span>set level to enable th<span class=\"_ _1\"></span>e timely identificat<span class=\"_ _1\"></span>ion of a<span class=\"_ _1\"></span> SICR. The Bank conti<span class=\"_ _0\"></span>nues to apply r<span class=\"_ _0\"></span>igoro<span class=\"_ _0\"></span>usly its cr<span class=\"_ _0\"></span>edit asse<span class=\"_ _0\"></span>ssme<span class=\"_ _0\"></span>nt and oversi<span class=\"_ _0\"></span>ght proce<span class=\"_ _0\"></span>sses, whi<span class=\"_ _0\"></span>ch include<span class=\"_ _0\"></span> monit<span class=\"_ _0\"></span>oring of arre<span class=\"_ _0\"></span>ars. Pe<span class=\"_ _0\"></span>rsonal borr<span class=\"_ _0\"></span>owers a<span class=\"_ _0\"></span>re con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span>ed to ex<span class=\"_ _0\"></span>hibit <span class=\"_ _0\"></span>signs of<span class=\"_ _0\"></span> SICR<span class=\"_ _0\"></span> and co<span class=\"_ _0\"></span>nsequentl<span class=\"_ _0\"></span>y downg<span class=\"_ _0\"></span>raded to<span class=\"_ _0\"></span> Stage 2 if they met t<span class=\"_ _1\"></span>he followi<span class=\"_ _1\"></span>ng criteria:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">repaym<span class=\"_ _0\"></span>ents bei<span class=\"_ _0\"></span>ng past<span class=\"ls1 ws1\"> </span>due by<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">30 days or<span class=\"_ _1\"></span></span> <span class=\"ls5 ws6\">more; an<span class=\"_ _1\"></span>d</span> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">other qualit<span class=\"_ _1\"></span>ative criteria, in<span class=\"_ _1\"></span>cluding bu<span class=\"_ _1\"></span>t not limited to actu<span class=\"_ _1\"></span>al or poten<span class=\"_ _1\"></span>tial loss o<span class=\"_ _1\"></span>f personal income.</span> In respect of <span class=\"_ _1\"></span>individ<span class=\"_ _1\"></span>ually si<span class=\"_ _1\"></span>gnificant loan<span class=\"_ _1\"></span>s within th<span class=\"_ _1\"></span>e corpora<span class=\"_ _1\"></span>te and commercia<span class=\"_ _1\"></span>l portfolio<span class=\"_ _1\"></span>, du<span class=\"_ _1\"></span>ring 202<span class=\"ls1 ws1\">5<span class=\"ls9 ws8\">, the </span></span>Bank foc<span class=\"_ _0\"></span>used partic<span class=\"_ _0\"></span>ularly on<span class=\"_ _0\"></span> those bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>rs that<span class=\"_ _0\"></span> are d<span class=\"_ _0\"></span>eeme<span class=\"_ _0\"></span>d to be mor<span class=\"_ _0\"></span>e susce<span class=\"_ _0\"></span>ptible to<span class=\"_ _0\"></span> the curr<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> economic <span class=\"ls5 ws7\">en<span class=\"_ _1\"></span>viro<span class=\"_ _1\"></span>nment.<span class=\"_ _bc\"> </span></span><span class=\"ls5 ws7\"><span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>A set of crit<span class=\"_ _1\"></span>eria specif<span class=\"_ _1\"></span>ically de<span class=\"_ _1\"></span>signed to a<span class=\"_ _1\"></span>ddress credi<span class=\"_ _1\"></span>t risk d<span class=\"_ _1\"></span>eteriorations<span class=\"_ _1\"></span>, is in pla<span class=\"_ _1\"></span>ce to de<span class=\"_ _1\"></span>termine wh<span class=\"_ _1\"></span>ether borrowers exhi<span class=\"_ _1\"></span>bit signs<span class=\"_ _1\"></span> of SICR.<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 wsb\">In summary, the B<span class=\"_ _0\"></span>ank\u2019s moni<span class=\"_ _0\"></span>toring typi<span class=\"_ _0\"></span>cally i<span class=\"_ _0\"></span>ncludes the asse<span class=\"_ _0\"></span>ssment of </span></span>following risk cr<span class=\"_ _1\"></span>iteria:<span class=\"ls1 ws1\"> </span><table class=\"s w1e1 h1ab\" id=\"_3b964ca5-d758-4674-af33-8b9737c54082\"><tr><td class=\"c n x2c1 y1e57 w1e2 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls28 ws0\">Corporate<span class=\"_ _1\"></span> and commercial e<span class=\"_ _1\"></span>xposures<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c n x2c2 y1e57 w1e3 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls28 ws0\">Personal exposur<span class=\"_ _1\"></span>es<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c n x2c3 y1e57 w1e4 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls27 ws97\">All exposu<span class=\"_ _1\"></span>res<span class=\"_ _bc\"> </span></div></td><td></td></tr><tr><td class=\"c x270 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c4 y1e59 w1e6 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls29 ws98\">inform<span class=\"_ _1\"></span>ation o<span class=\"_ _1\"></span>btained du<span class=\"_ _1\"></span>ring per<span class=\"_ _1\"></span>io<span class=\"_ _1\"></span>dic review o<span class=\"_ _1\"></span>f<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c5 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c6 y1e59 w1e7 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls28 ws0\">internally co<span class=\"_ _1\"></span>llected<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c7 y1e59 w1e5 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c x2c8 y1e59 w1e8 h1ad\"><div class=\"t m0 x26e hb3 y1e58 ff1 fs8 fc0 sc0 ls1 ws1\"><span class=\"ls29 ws98\">payment rec<span class=\"_ _1\"></span>ord </span>\u2013 <span class=\"ls29 ws9a\">thi<span class=\"_ _1\"></span>s<span class=\"_ _bc\"> </span></span></div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5a ff1 fs8 fc0 sc0 ls4 ws9a\">customer f<span class=\"_ _1\"></span>iles <span class=\"ls1 ws1\">\u2013 </span>e.g. a<span class=\"_ _1\"></span>udited fina<span class=\"_ _1\"></span>ncial stat<span class=\"_ _1\"></span>ements, </td><td class=\"t m0 x2ca h25 y1e5a ff1 fs8 fc0 sc0 ls29 ws98\" colspan=\"2\">data on c<span class=\"_ _1\"></span>ustomer </td><td class=\"t m0 x2cb h25 y1e5a ff1 fs8 fc0 sc0 ls4 ws9a\" colspan=\"2\">includes o<span class=\"_ _1\"></span>verdue stat<span class=\"_ _1\"></span>us </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5b ff1 fs8 fc0 sc0 ls29 ws98\">managemen<span class=\"_ _1\"></span>t acc<span class=\"_ _1\"></span>ounts, bu<span class=\"_ _1\"></span>dgets <span class=\"_ _1\"></span>and projec<span class=\"_ _1\"></span>tions. </td><td class=\"t m0 x2ca h25 y1e5b ff1 fs8 fc0 sc0 ls29 ws9a\" colspan=\"2\">behaviour<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ls4 ws0\">e.g.</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"> </span></span></td><td class=\"t m0 x2cb h25 y1e5b ff1 fs8 fc0 sc0 ls4 ws9a\" colspan=\"2\">as well as a r<span class=\"_ _1\"></span>ange of </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5c ff1 fs8 fc0 sc0 ls4 ws9a\">Exam<span class=\"_ _1\"></span>ples of areas o<span class=\"_ _1\"></span>f particular<span class=\"_ _1\"></span> focus are: gro<span class=\"_ _1\"></span>ss </td><td class=\"t m0 x2ca h25 y1e5c ff1 fs8 fc0 sc0 ls28 ws0\" colspan=\"2\">utilisatio<span class=\"_ _1\"></span>n of credit </td><td class=\"c x2cc y1e5d wc8 hcd\" colspan=\"2\"><div class=\"t m0 x90 h25 ye84 ff1 fs8 fc0 sc0 ls29 ws98\">variables a<span class=\"_ _1\"></span>bout pa<span class=\"_ _1\"></span>yment </div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5e ff1 fs8 fc0 sc0 ls4 ws9a\">profit ma<span class=\"_ _1\"></span>rgins, fina<span class=\"_ _1\"></span>ncial lev<span class=\"_ _1\"></span>erage ratio<span class=\"_ _1\"></span>s, debt </td><td class=\"t m0 x2ca h25 y1e5e ff1 fs8 fc0 sc0 ls28 ws0\" colspan=\"2\">card facilit<span class=\"_ _1\"></span>ies;<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2cb h25 y1e5e ff1 fs8 fc0 sc0 ls2a ws10d\" colspan=\"2\">ratios;<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e5f ff1 fs8 fc0 sc0 ls4 ws9a\">service co<span class=\"_ _1\"></span>vera<span class=\"ls29 ws98\">ge, co<span class=\"_ _1\"></span>mplianc<span class=\"_ _1\"></span>e with c<span class=\"_ _1\"></span>ontrac<span class=\"_ _1\"></span>tual</span><span class=\"ls29 ws98\"> </span></td><td class=\"c n x2cd y1e61 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2ce y1e61 w1e9 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls28 ws0\">affordabilit<span class=\"_ _1\"></span>y metrics;</div></td><td class=\"t m0 x2cf hb3 y1e5f ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"ff9\"> </span></td><td class=\"c x2cc y1e5d wc8 hcd\"><div class=\"t m0 x90 h25 ye85 ff1 fs8 fc0 sc0 ls29 ws98\">utilizat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> the grante<span class=\"_ _1\"></span>d </div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e62 ff1 fs8 fc0 sc0 ls29 ws98\">conditi<span class=\"_ _1\"></span>ons, qua<span class=\"_ _1\"></span>lity of<span class=\"_ _1\"></span> manageme<span class=\"_ _1\"></span>nt and senio<span class=\"_ _1\"></span>r </td><td></td><td class=\"t m0 x2ca h25 y1e62 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2cb h25 y1e62 ff1 fs8 fc0 sc0 ls28 ws99\" colspan=\"2\">limit;<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e63 ff1 fs8 fc0 sc0 ls4 ws9a\">managemen<span class=\"_ _1\"></span>t changes;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"c n x2cd y1e64 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2ce y1e64 w1ea h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">external data from<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d0 y1e64 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d1 y1e64 w1eb h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">requests fo<span class=\"_ _1\"></span>r and<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c n x2d2 y1e65 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d3 y1e65 w1ec h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">data fro<span class=\"_ _1\"></span>m credit refe<span class=\"_ _1\"></span>rence agenci<span class=\"_ _1\"></span>es, press a<span class=\"_ _1\"></span>rticles;<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"t m0 x2ca h25 y1e66 ff1 fs8 fc0 sc0 ls4 ws9a\">credit ref<span class=\"_ _1\"></span>erence </td><td class=\"t m0 x2cb h25 y1e66 ff1 fs8 fc0 sc0 ls29 ws98\" colspan=\"2\">granti<span class=\"_ _1\"></span>ng of fo<span class=\"_ _1\"></span>rbearance; </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e67 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td></td><td class=\"t m0 x2ca h25 y1e67 ff1 fs8 fc0 sc0 ls4 ws9a\">agencies inc<span class=\"_ _1\"></span>luding </td><td></td><td class=\"t m0 x2cb h25 y1e67 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td></tr><tr><td class=\"c n x2d2 y1e68 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d3 y1e68 w1ed h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls29 ws98\">actual<span class=\"_ _1\"></span> and expec<span class=\"_ _1\"></span>ted sign<span class=\"_ _1\"></span>ificant c<span class=\"_ _1\"></span>hanges in t<span class=\"_ _1\"></span>he<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"t m0 x2ca h25 y1e69 ff1 fs8 fc0 sc0 ls29 ws9a\">industry<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>standar<span class=\"_ _1\"></span>d </td><td class=\"c n x2d0 y1e68 w1e5 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div></td><td class=\"c n x2d1 y1e68 w1ee h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls4 ws9a\">existing a<span class=\"_ _1\"></span>nd forecast<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e6a ff1 fs8 fc0 sc0 ls28 ws0\">political,<span class=\"_ _1\"></span> regulatory and tec<span class=\"_ _1\"></span>hnologic<span class=\"_ _1\"></span>al environment </td><td></td><td class=\"t m0 x2ca h25 y1e6a ff1 fs8 fc0 sc0 ls4 ws9a\">credit sco<span class=\"_ _1\"></span>res.<span class=\"ls1 ws1\"> </span></td><td></td><td class=\"t m0 x2cb h25 y1e6a ff1 fs8 fc0 sc0 ls4 ws9a\">changes in b<span class=\"_ _1\"></span>usiness,<span class=\"_ _1\"></span> </td></tr><tr><td></td><td class=\"t m0 x2c9 h25 y1e6b ff1 fs8 fc0 sc0 ls2a ws99\">of the borrower o<span class=\"_ _1\"></span>r in its business a<span class=\"_ _1\"></span>ctivities.<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x2cb h25 y1e6b ff1 fs8 fc0 sc0 ls29 ws98\">financia<span class=\"_ _1\"></span>l and ec<span class=\"_ _1\"></span>onomic<span class=\"_ _1\"></span> </td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x2d4 h25 y1e6c ff1 fs8 fc0 sc0 ls29 ws9a\">conditi<span class=\"_ _1\"></span>ons.<span class=\"ls1 ws1\"> </span></td></tr></table>The as<span class=\"_ _1\"></span>sess<span class=\"_ _1\"></span>ment of SIC<span class=\"_ _1\"></span>R incorp<span class=\"_ _1\"></span>orat<span class=\"_ _1\"></span>es forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls6 ws8c\">looking in<span class=\"_ _1\"></span>formation (refer to<span class=\"_ _1\"></span> note 2.3.4.4 for furt<span class=\"_ _1\"></span>her </span></span>inform<span class=\"_ _0\"></span>ation) and i<span class=\"_ _0\"></span>s perfo<span class=\"_ _0\"></span>rmed at the count<span class=\"_ _0\"></span>erparty l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> on a perio<span class=\"_ _0\"></span>dic basis. T<span class=\"_ _0\"></span>he cri<span class=\"_ _0\"></span>teria used t<span class=\"_ _0\"></span>o identif<span class=\"_ _0\"></span>y SICR ar<span class=\"_ _1\"></span>e mon<span class=\"_ _1\"></span>itored<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> revie<span class=\"_ _1\"></span>wed per<span class=\"_ _1\"></span>iod<span class=\"_ _1\"></span>ically<span class=\"_ _1\"></span> for a<span class=\"_ _1\"></span><span class=\"ls8 ws3c\">ppropriat<span class=\"_ _0\"></span>eness by the<span class=\"_ _0\"></span> independe<span class=\"_ _0\"></span>nt Risk Manag<span class=\"_ _0\"></span>ement </span>function.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>As a backsto<span class=\"_ _0\"></span>p, and as r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>d by IFRS<span class=\"_ _0\"></span> 9, the G<span class=\"_ _0\"></span>roup presu<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>vely consi<span class=\"_ _0\"></span>ders that a S<span class=\"_ _0\"></span>IC<span class=\"_ _0\"></span>R occur<span class=\"_ _0\"></span>s when an asset i<span class=\"_ _0\"></span>s past d<span class=\"_ _0\"></span>ue<span class=\"ls1 ws1\"> <span class=\"ls7 ws26\">b<span class=\"_ _0\"></span>y 30 days or m<span class=\"_ _0\"></span>ore<span class=\"ls8 ws15\">. T<span class=\"_ _0\"></span>he Group det<span class=\"_ _0\"></span>ermine<span class=\"_ _0\"></span>s days past due by c<span class=\"_ _0\"></span>ounting the<span class=\"_ _11\"></span> number of days<span class=\"_ _0\"></span> </span></span></span>sinc<span class=\"_ _1\"></span>e the earl<span class=\"_ _1\"></span>iest ela<span class=\"_ _1\"></span>psed d<span class=\"_ _1\"></span>ue da<span class=\"_ _1\"></span>te in res<span class=\"_ _1\"></span>pect of wh<span class=\"_ _1\"></span>ich fu<span class=\"_ _1\"></span>ll pa<span class=\"_ _1\"></span>yment h<span class=\"_ _1\"></span>as n<span class=\"_ _1\"></span>ot been<span class=\"_ _1\"></span> receive<span class=\"_ _1\"></span>d.<span class=\"ls1 ws1\"> </span>In the case<span class=\"_ _0\"></span> of othe<span class=\"_ _0\"></span>r fina<span class=\"_ _0\"></span>ncial assets (i<span class=\"_ _0\"></span>ncluding<span class=\"_ _0\"></span> loans and<span class=\"_ _0\"></span> advance<span class=\"_ _0\"></span>s to banks and i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents in de<span class=\"_ _0\"></span>bt securities), t<span class=\"_ _1\"></span>he Group applies the low cred<span class=\"_ _1\"></span>it risk simplificati<span class=\"_ _1\"></span>on to all its expos<span class=\"_ _1\"></span>ures considered \u2018inv<span class=\"_ _1\"></span>estment<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>grade\u2019,<span class=\"_ _0\"></span> thus the<span class=\"_ _0\"></span>y are<span class=\"_ _0\"></span> not s<span class=\"_ _0\"></span>ubject t<span class=\"_ _0\"></span>o the SI<span class=\"_ _0\"></span>CR<span class=\"ls1 ws1\">  <span class=\"ls5 ws2f\">assess<span class=\"_ _1\"></span>ment. Mo<span class=\"_ _1\"></span>ving fr<span class=\"_ _1\"></span>om \u2018inv<span class=\"_ _1\"></span>estment</span>-<span class=\"ls7 ws7d\">grade\u2019 to \u2018non</span>-<span class=\"_ _bc\"> </span></span>investme<span class=\"_ _0\"></span>nt grade<span class=\"_ _0\"></span>\u2019 does not a<span class=\"_ _0\"></span>utoma<span class=\"_ _0\"></span>ticall<span class=\"_ _0\"></span>y mean tha<span class=\"_ _0\"></span>t there<span class=\"_ _0\"></span> has been a SIC<span class=\"_ _0\"></span>R.<span class=\"ls1 ws1\"> </span>2.3.4.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Definit<span class=\"_ _1\"></span>ion of defau<span class=\"_ _1\"></span>lt and credit<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">impaired<span class=\"_ _1\"></span> asset<span class=\"_ _1\"></span>s</span> </span></span>The Grou<span class=\"_ _1\"></span>p\u2019s a<span class=\"_ _1\"></span>ssess<span class=\"_ _1\"></span>ment to determ<span class=\"_ _1\"></span>ine th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> of increa<span class=\"_ _1\"></span>se in cr<span class=\"_ _1\"></span>edit risk<span class=\"_ _1\"></span> of a finan<span class=\"_ _1\"></span>cial instr<span class=\"_ _1\"></span>ument s<span class=\"_ _1\"></span>ince initial recogn<span class=\"_ _1\"></span>ition is perfor<span class=\"_ _1\"></span>med by<span class=\"_ _1\"></span> considering th<span class=\"_ _1\"></span>e change in the ris<span class=\"_ _1\"></span>k of default occu<span class=\"_ _1\"></span>rring over th<span class=\"_ _1\"></span>e remaining life of th<span class=\"_ _1\"></span>e fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> instr<span class=\"_ _1\"></span>umen<span class=\"_ _1\"></span>t. As a<span class=\"_ _1\"></span> <span class=\"ls8 wsa\">result, t<span class=\"_ _11\"></span>he definition of de<span class=\"_ _0\"></span>fault i<span class=\"_ _0\"></span>s importa<span class=\"_ _0\"></span>nt.<span class=\"ls1 ws1\"> </span></span>The Group appl<span class=\"_ _0\"></span>ies the<span class=\"_ _0\"></span> defi<span class=\"_ _0\"></span>nition of def<span class=\"_ _0\"></span>ault in a manne<span class=\"_ _0\"></span>r consistent w<span class=\"_ _0\"></span>ith inte<span class=\"_ _0\"></span>rnal cr<span class=\"_ _0\"></span>edit risk m<span class=\"_ _0\"></span>anageme<span class=\"_ _0\"></span>nt practic<span class=\"_ _0\"></span>es for t<span class=\"_ _0\"></span>he rele<span class=\"_ _0\"></span>vant instrume<span class=\"_ _0\"></span>nts and the de<span class=\"_ _0\"></span>fini<span class=\"_ _0\"></span>tion conside<span class=\"_ _0\"></span>rs qualita<span class=\"_ _0\"></span>tive and qu<span class=\"_ _0\"></span>antitati<span class=\"_ _0\"></span>ve fac<span class=\"_ _0\"></span>tors where ap<span class=\"_ _1\"></span>prop<span class=\"_ _1\"></span>riate.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup dete<span class=\"_ _0\"></span>rmines that<span class=\"_ _0\"></span> a financ<span class=\"_ _0\"></span>ial instrum<span class=\"_ _0\"></span>ent is c<span class=\"_ _0\"></span>redit<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 ws3c\">impaired (<span class=\"_ _0\"></span>in def<span class=\"_ _0\"></span>ault and in \u2018S<span class=\"_ _0\"></span>tage 3<span class=\"_ _0\"></span>\u2019 for IF<span class=\"_ _0\"></span>RS 9 </span></span>purposes) by<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>ring re<span class=\"_ _0\"></span>levant objec<span class=\"_ _0\"></span>tive e<span class=\"_ _0\"></span>vidence<span class=\"_ _0\"></span>, primari<span class=\"_ _0\"></span>ly whe<span class=\"_ _0\"></span>ther:<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws3c\">contrac<span class=\"_ _0\"></span>tual payme<span class=\"_ _0\"></span>nts of e<span class=\"_ _0\"></span>ither pr<span class=\"_ _0\"></span>incipal<span class=\"_ _0\"></span> or inter<span class=\"_ _0\"></span>est are<span class=\"_ _0\"></span> past due fo<span class=\"_ _0\"></span>r <span class=\"ls6 wsd\">90 days or <span class=\"ls5 ws22\">mo<span class=\"_ _1\"></span>re for an<span class=\"_ _1\"></span>y mater<span class=\"_ _1\"></span>ial </span></span></span>credit obligat<span class=\"_ _1\"></span>ions to t<span class=\"_ _1\"></span>he Group;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws56\">there<span class=\"_ _0\"></span> are othe<span class=\"_ _0\"></span>r indicati<span class=\"_ _0\"></span>ons that the bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>r is unlike<span class=\"_ _0\"></span>ly to pay such as tha<span class=\"_ _0\"></span>t a conce<span class=\"_ _0\"></span>ssion has be<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span> </span>granted to the borrower for econom<span class=\"_ _0\"></span>ic or legal reasons of an enduring nature relati<span class=\"_ _0\"></span>ng to the borrower\u2019s financial con<span class=\"_ _1\"></span>dition, wh<span class=\"_ _1\"></span>ich indicates the borro<span class=\"_ _1\"></span>wer is in significant finan<span class=\"_ _1\"></span>cial difficulty (un<span class=\"_ _1\"></span>likeliness to pay criteria); and<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">the loan i<span class=\"_ _0\"></span>s otherw<span class=\"_ _0\"></span>ise co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d to be in de<span class=\"_ _0\"></span>fault i<span class=\"_ _0\"></span>n line w<span class=\"_ _0\"></span>ith an instrum<span class=\"_ _0\"></span>ent\u2019s te<span class=\"_ _0\"></span>rms and<span class=\"_ _0\"></span> conditi<span class=\"_ _0\"></span>ons.<span class=\"ls1 ws1\"> </span></span>Therefo<span class=\"_ _1\"></span>re, th<span class=\"_ _1\"></span>e defin<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span>s of c<span class=\"_ _1\"></span>redit<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">impaired and defa<span class=\"_ _0\"></span>ult are ali<span class=\"_ _0\"></span>gned so that \u2018S<span class=\"_ _0\"></span>tage<span class=\"_ _0\"></span> 3\u2019 represe<span class=\"_ _0\"></span>nts all lo<span class=\"_ _0\"></span>ans </span></span>which ar<span class=\"_ _0\"></span>e conside<span class=\"_ _0\"></span>red de<span class=\"_ _0\"></span>faulted or<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">impa<span class=\"_ _1\"></span>ired.<span class=\"_ _1\"></span></span> </span>In assessi<span class=\"_ _0\"></span>ng whet<span class=\"_ _0\"></span>her a borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span> is in def<span class=\"_ _0\"></span>ault, the<span class=\"_ _0\"></span> Group will<span class=\"_ _0\"></span> conside<span class=\"_ _0\"></span>r indicat<span class=\"_ _0\"></span>ors that are<span class=\"_ _11\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws8\">qualitati<span class=\"_ _1\"></span>ve <span class=\"_ _10\"> </span></span>\u2013 <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">such as non</span>-<span class=\"ls8 ws5c\">adhere<span class=\"_ _0\"></span>nce to term<span class=\"_ _0\"></span>s and conditions of<span class=\"_ _0\"></span> sanction a<span class=\"_ _0\"></span>nd/or othe<span class=\"_ _0\"></span>r breac<span class=\"_ _0\"></span>hes of </span>covenants, ove<span class=\"_ _0\"></span>rdue s<span class=\"_ _0\"></span>tatus an<span class=\"_ _0\"></span>d non<span class=\"ls1 ws1\">-<span class=\"ls7\">payme<span class=\"_ _0\"></span>nt of another obl<span class=\"_ _0\"></span>igation of the sam<span class=\"_ _0\"></span>e obligor to the G<span class=\"_ _0\"></span>roup; <span class=\"ls1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls9 wsa\">quantitative </span>\u2013 <span class=\"ls8 wsa\">such as chang<span class=\"_ _0\"></span>es in proba<span class=\"_ _0\"></span>bili<span class=\"_ _0\"></span>ties of<span class=\"_ _0\"></span> defaul<span class=\"_ _0\"></span>t; and<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">based on data<span class=\"_ _0\"></span> deve<span class=\"_ _0\"></span>loped inte<span class=\"_ _0\"></span>rnally a<span class=\"_ _0\"></span>nd obtai<span class=\"_ _0\"></span>ned from<span class=\"_ _0\"></span> externa<span class=\"_ _0\"></span>l source<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></span>The de<span class=\"_ _0\"></span>fault de<span class=\"_ _0\"></span>finit<span class=\"_ _0\"></span>ion has bee<span class=\"_ _0\"></span>n applied c<span class=\"_ _0\"></span>onsiste<span class=\"_ _0\"></span>ntly to m<span class=\"_ _0\"></span>odel<span class=\"_ _0\"></span> the Pro<span class=\"_ _0\"></span>bability of<span class=\"_ _0\"></span> Def<span class=\"_ _0\"></span>ault (\u2018P<span class=\"_ _0\"></span>D\u2019), Exposur<span class=\"_ _0\"></span>e at<span class=\"_ _0\"></span> Default (\u2018EAD\u2019) a<span class=\"_ _1\"></span>nd Loss<span class=\"_ _1\"></span> Given Default (\u2018LG<span class=\"_ _1\"></span>D\u2019) through<span class=\"_ _1\"></span>out the Bank\u2019s<span class=\"_ _1\"></span> expected loss<span class=\"_ _1\"></span> calculations<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>As referred to<span class=\"_ _1\"></span> previousl<span class=\"_ _1\"></span>y, existing geopolit<span class=\"_ _1\"></span>ical conditio<span class=\"_ _1\"></span>ns as well as<span class=\"_ _1\"></span> the current <span class=\"ls5 ws7\">mar<span class=\"_ _1\"></span>ket<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws11\">environments and </span></span></span>the co<span class=\"_ _1\"></span>nsequ<span class=\"_ _1\"></span>entia<span class=\"_ _1\"></span>l econo<span class=\"_ _1\"></span>mic impact<span class=\"_ _1\"></span>s hav<span class=\"_ _1\"></span>e cont<span class=\"_ _1\"></span>inued to give r<span class=\"_ _1\"></span>ise to an<span class=\"_ _1\"></span> elevated<span class=\"_ _1\"></span> level of un<span class=\"_ _1\"></span>certain<span class=\"_ _1\"></span>ty, particul<span class=\"_ _0\"></span>arly wi<span class=\"_ _0\"></span>th respec<span class=\"_ _0\"></span>t to the ide<span class=\"_ _0\"></span>ntificati<span class=\"_ _0\"></span>on of custom<span class=\"_ _0\"></span>ers that woul<span class=\"_ _0\"></span>d have showe<span class=\"_ _0\"></span>d signs of<span class=\"_ _0\"></span> unlikene<span class=\"_ _0\"></span>ss<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"_ _bc\"> </span></span>pay (\u2018UT<span class=\"_ _0\"></span>P\u2019). The<span class=\"_ _0\"></span> Bank perform<span class=\"_ _0\"></span>s <span class=\"ls5 ws12f\">ass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>ts to<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mine wh<span class=\"_ _1\"></span>ether<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>rrent<span class=\"_ _1\"></span> macr<span class=\"_ _1\"></span>o<span class=\"ls1 ws1\">-</span><span class=\"ws7\">econ<span class=\"_ _1\"></span>omic<span class=\"_ _1\"></span> </span></span>circumstan<span class=\"_ _1\"></span>ces may trans<span class=\"_ _1\"></span>form into lo<span class=\"_ _1\"></span>ng<span class=\"ls1 ws1\">-</span>term borro<span class=\"_ _1\"></span>wer financial d<span class=\"_ _1\"></span>ifficulties, t<span class=\"_ _1\"></span>hereby poten<span class=\"_ _1\"></span>tially requirin<span class=\"_ _1\"></span>g a<span class=\"ls1 ws1\"> </span>downgrade o<span class=\"_ _1\"></span>f individu<span class=\"_ _1\"></span>al expos<span class=\"_ _1\"></span>ures or expos<span class=\"_ _1\"></span>ures sha<span class=\"_ _1\"></span>ring similar credit r<span class=\"_ _1\"></span>isk chara<span class=\"_ _1\"></span>cteristics<span class=\"_ _1\"></span> to Stage 3 to<span class=\"_ _1\"></span> reflect<span class=\"_ _1\"></span> the lev<span class=\"_ _1\"></span>el of ch<span class=\"_ _1\"></span>ange in<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k.  <span class=\"ls1 ws1\"> </span>Except f<span class=\"_ _0\"></span>or for<span class=\"_ _0\"></span>borne e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span>s, an in<span class=\"_ _0\"></span>strum<span class=\"_ _0\"></span>ent is<span class=\"_ _0\"></span> consider<span class=\"_ _0\"></span>ed to<span class=\"_ _0\"></span> no long<span class=\"_ _0\"></span>er be<span class=\"_ _0\"></span> in de<span class=\"_ _0\"></span>fault (<span class=\"_ _0\"></span>i.e. t<span class=\"_ _0\"></span>o have be<span class=\"_ _0\"></span>en cured<span class=\"_ _1\"></span>) when it n<span class=\"_ _1\"></span>o lon<span class=\"_ _1\"></span>ger meets a<span class=\"_ _1\"></span>ny of the defa<span class=\"_ _1\"></span>ult cr<span class=\"_ _1\"></span>iteria fo<span class=\"_ _1\"></span>r a consec<span class=\"_ _1\"></span>utive p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> of three mon<span class=\"_ _1\"></span>ths.<span class=\"_ _1\"></span> This period has<span class=\"_ _0\"></span> bee<span class=\"_ _0\"></span>n deter<span class=\"_ _0\"></span>mined ba<span class=\"_ _0\"></span>sed on an<span class=\"_ _0\"></span> analy<span class=\"_ _0\"></span>s<span class=\"ls6 ws1c\">is which consid<span class=\"_ _1\"></span>ers the likelihood o<span class=\"_ _1\"></span>f a financial instru<span class=\"_ _1\"></span>ment </span>returni<span class=\"_ _0\"></span>ng to def<span class=\"_ _0\"></span>ault status af<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>r cure<span class=\"_ _0\"></span> using diff<span class=\"_ _0\"></span>erent possibl<span class=\"_ _11\"></span>e cure definit<span class=\"_ _0\"></span>ions.<span class=\"ls1 ws1\"> </span>In the case<span class=\"_ _0\"></span> of f<span class=\"_ _0\"></span>orborne e<span class=\"_ _0\"></span>xposures, the c<span class=\"_ _0\"></span>ure pe<span class=\"_ _0\"></span>riod com<span class=\"_ _0\"></span>prises 12 c<span class=\"_ _0\"></span>onsecuti<span class=\"_ _0\"></span>ve monthl<span class=\"_ _0\"></span>y repayment<span class=\"_ _0\"></span>s made in a timely<span class=\"_ _1\"></span> man<span class=\"_ _1\"></span>ner with<span class=\"_ _1\"></span> a min<span class=\"_ _1\"></span>imal g<span class=\"_ _1\"></span>race p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>f on<span class=\"_ _1\"></span>e day (i<span class=\"_ _1\"></span>.e. one o<span class=\"_ _1\"></span>r mor<span class=\"_ _1\"></span>e repa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span> may<span class=\"_ _1\"></span> be made n<span class=\"_ _1\"></span>o more than one day late)<span class=\"_ _0\"></span>.<span class=\"ls1\"> </span>The G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs other<span class=\"_ _0\"></span> financial a<span class=\"_ _0\"></span>ssets to be i<span class=\"_ _0\"></span>n defaul<span class=\"_ _0\"></span>t when a pa<span class=\"_ _0\"></span>yment due<span class=\"_ _0\"></span> including a c<span class=\"_ _0\"></span>oupon paymen<span class=\"_ _1\"></span>t is n<span class=\"_ _1\"></span>ot effected<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>2.3.4.3  Measurin<span class=\"_ _1\"></span>g ECL <span class=\"ls1 ws1\">\u2013 <span class=\"ls8 wsa\">Explanation of input<span class=\"_ _0\"></span>s, assum<span class=\"_ _0\"></span>ption<span class=\"_ _0\"></span>s and estima<span class=\"_ _0\"></span>tion tec<span class=\"_ _0\"></span>hniques<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The Exp<span class=\"_ _1\"></span>ected <span class=\"_ _1\"></span>Credit L<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span> (\u2018ECL\u2019<span class=\"_ _1\"></span>) is meas<span class=\"_ _1\"></span>ured o<span class=\"_ _1\"></span>n eith<span class=\"_ _1\"></span>er a 12<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">month (12M) or on a l<span class=\"_ _0\"></span>ife<span class=\"_ _0\"></span>time basis dependi<span class=\"_ _0\"></span>ng </span></span>on whether a s<span class=\"_ _1\"></span>ignificant incr<span class=\"_ _1\"></span>ease in credit ris<span class=\"_ _1\"></span>k has occurred since in<span class=\"_ _1\"></span>itial recognition<span class=\"_ _1\"></span> or whether an ass<span class=\"_ _1\"></span>et is consider<span class=\"_ _0\"></span>ed to be c<span class=\"_ _0\"></span>redit<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">impai<span class=\"_ _1\"></span>red. <span class=\"_ _13\"></span><span class=\"ls1 ws1\">E<span class=\"ls8 ws1b\">xpected c<span class=\"_ _0\"></span>redit l<span class=\"_ _0\"></span>osses ar<span class=\"_ _0\"></span>e the di<span class=\"_ _0\"></span>scounted pr<span class=\"_ _0\"></span>oduct o<span class=\"_ _0\"></span>f the<span class=\"_ _0\"></span> Probabi<span class=\"_ _0\"></span>lity of </span></span></span></span>Default (\u2018PD\u2019), E<span class=\"_ _1\"></span>xposure at<span class=\"_ _1\"></span> Default (\u2018EAD\u2019) an<span class=\"_ _1\"></span>d Loss Given Default (\u2018LGD\u2019).<span class=\"_ _1\"></span> When calculati<span class=\"_ _1\"></span>ng the Ban<span class=\"_ _1\"></span>k\u2019s ECL, speci<span class=\"_ _1\"></span>al cons<span class=\"_ _1\"></span>idera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> were m<span class=\"_ _1\"></span>ade to<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ess th<span class=\"_ _1\"></span>e impact<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t eco<span class=\"_ _1\"></span>nomi<span class=\"_ _1\"></span><span class=\"ls6 ws1d\">c con<span class=\"ls8 ws15\">ditions. Furt<span class=\"_ _0\"></span>her det<span class=\"_ _0\"></span>ails </span></span>are set out in<span class=\"_ _1\"></span> note 2.3.4.4.<span class=\"ls1 ws1\"> </span>The EC<span class=\"_ _0\"></span>L is dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d by pro<span class=\"_ _0\"></span>jec<span class=\"_ _0\"></span>ting the<span class=\"_ _0\"></span> PD, EAD a<span class=\"_ _11\"></span>nd LGD for e<span class=\"_ _0\"></span>ach futur<span class=\"_ _0\"></span>e mont<span class=\"_ _0\"></span>h and fo<span class=\"_ _0\"></span>r e<span class=\"_ _0\"></span>ach individ<span class=\"_ _0\"></span>ual exposure<span class=\"_ _0\"></span>. These<span class=\"_ _0\"></span> three c<span class=\"_ _0\"></span>omponents are<span class=\"_ _0\"></span> multipl<span class=\"_ _0\"></span>ied tog<span class=\"_ _0\"></span>ether and adjuste<span class=\"_ _0\"></span>d for t<span class=\"_ _0\"></span>he like<span class=\"_ _0\"></span>lihood of survi<span class=\"_ _0\"></span>val (i.e<span class=\"_ _0\"></span>. the expo<span class=\"_ _0\"></span>sure has<span class=\"_ _0\"></span> not pre<span class=\"_ _0\"></span>paid o<span class=\"_ _0\"></span>r defa<span class=\"_ _0\"></span>ulted in an<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"ls5 ws3b\">ear<span class=\"_ _1\"></span>lier mon<span class=\"_ _1\"></span>th). Thi<span class=\"_ _1\"></span>s effectiv<span class=\"_ _1\"></span>ely cal<span class=\"_ _1\"></span>culates<span class=\"_ _1\"></span> an E<span class=\"_ _1\"></span>CL for each </span></span>future m<span class=\"_ _0\"></span>onth, which i<span class=\"_ _0\"></span>s then discounted ba<span class=\"_ _0\"></span>ck to the<span class=\"_ _0\"></span> reporti<span class=\"_ _0\"></span>ng date and summe<span class=\"_ _0\"></span>d. The discount rate<span class=\"_ _0\"></span> used in<span class=\"_ _0\"></span> the ECL calcu<span class=\"_ _1\"></span>lation is th<span class=\"_ _1\"></span>e original effectiv<span class=\"_ _1\"></span>e interest ra<span class=\"_ _1\"></span>te or an app<span class=\"_ _1\"></span>roximation th<span class=\"_ _1\"></span>ereof.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>The 12<span class=\"ls1 ws1\">-<span class=\"_ _1\"></span><span class=\"ls6 wsd\">month ECL is calcu<span class=\"_ _1\"></span>lated by multiply<span class=\"_ _1\"></span>ing the 12</span>-<span class=\"ls6 wsd\">month PD,<span class=\"_ _1\"></span> LGD, and EAD. Lifetime ECL is<span class=\"_ _1\"></span> calculated </span></span>on a s<span class=\"_ _1\"></span>imilar<span class=\"_ _1\"></span> basis<span class=\"_ _1\"></span> for th<span class=\"_ _1\"></span>e residua<span class=\"_ _1\"></span>l life of th<span class=\"_ _1\"></span>e expos<span class=\"_ _1\"></span>ure.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The PD, E<span class=\"_ _1\"></span>AD and<span class=\"_ _1\"></span> LGD pa<span class=\"_ _1\"></span>rameters<span class=\"_ _1\"></span> are deri<span class=\"_ _1\"></span>ved fro<span class=\"_ _1\"></span>m int<span class=\"_ _1\"></span>erna<span class=\"_ _1\"></span>lly dev<span class=\"_ _1\"></span>eloped<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>istica<span class=\"_ _1\"></span>l models a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her historical data, adjusted to re<span class=\"_ _0\"></span>flec<span class=\"_ _0\"></span>t forward<span class=\"ls1\">-</span>looking inf<span class=\"_ _0\"></span>ormation as described below. <span class=\"ls1\"> </span>The PD represen<span class=\"_ _1\"></span>ts the likelih<span class=\"_ _1\"></span>ood of a b<span class=\"_ _1\"></span>orrower defaultin<span class=\"_ _1\"></span>g on its<span class=\"_ _1\"></span> financial ob<span class=\"_ _1\"></span>ligation (as<span class=\"_ _1\"></span> per \u2018definition of default<span class=\"_ _0\"></span> and credi<span class=\"_ _0\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls5 wse\">impaired<span class=\"_ _1\"></span>\u2019 ab<span class=\"_ _1\"></span>ove),<span class=\"_ _1\"></span> either o<span class=\"_ _1\"></span>ver the n<span class=\"_ _1\"></span>ext 12 mont<span class=\"_ _1\"></span>hs (12<span class=\"_ _1\"></span>M PD), or<span class=\"_ _1\"></span> over th<span class=\"_ _1\"></span>e remain<span class=\"_ _1\"></span>ing </span></span>lifeti<span class=\"_ _1\"></span>me (Lifet<span class=\"_ _1\"></span>ime PD<span class=\"_ _1\"></span>) of th<span class=\"_ _1\"></span>e obliga<span class=\"_ _1\"></span>tion.<span class=\"_ _1\"></span> Accor<span class=\"ls6 ws5a\">d<span class=\"_ _1\"></span>ingly, the 12<span class=\"ls1 ws1\">-</span></span>mon<span class=\"_ _1\"></span>th an<span class=\"_ _1\"></span>d lifeti<span class=\"_ _1\"></span>me PDs<span class=\"_ _1\"></span> represen<span class=\"_ _1\"></span>t the Probabili<span class=\"_ _0\"></span>ty of De<span class=\"_ _0\"></span>fault o<span class=\"_ _0\"></span>ccurring ove<span class=\"_ _0\"></span>r the ne<span class=\"_ _0\"></span>xt 12 m<span class=\"_ _0\"></span>onths and the r<span class=\"_ _0\"></span>emai<span class=\"_ _0\"></span>ning ma<span class=\"_ _0\"></span>turity of<span class=\"_ _0\"></span> the instrum<span class=\"_ _0\"></span>ent, respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span>PD estimate<span class=\"_ _0\"></span>s are estimate<span class=\"_ _0\"></span>s at a certain date, w<span class=\"_ _0\"></span>hich, for the l<span class=\"_ _0\"></span>oans and advances to cu<span class=\"_ _0\"></span>stomers, are c<span class=\"_ _0\"></span>alculated based on statistical rating<span class=\"_ _0\"></span> models and assessed u<span class=\"_ _0\"></span>sing rating tool<span class=\"_ _0\"></span>s tailored to the vario<span class=\"_ _0\"></span>us categorie<span class=\"_ _0\"></span>s of counterpa<span class=\"_ _0\"></span>rties and e<span class=\"_ _0\"></span>xposures.<span class=\"_ _0\"></span> These<span class=\"_ _0\"></span> statis<span class=\"ls6 wsd\">tical models a<span class=\"_ _1\"></span>re based<span class=\"_ _1\"></span> on internal<span class=\"_ _1\"></span>ly<span class=\"ls1 ws1\">-</span>compiled <span class=\"_ _1\"></span>data comp<span class=\"_ _1\"></span>rising </span>both quanti<span class=\"_ _0\"></span>tative an<span class=\"_ _0\"></span>d qualit<span class=\"_ _0\"></span>ative<span class=\"_ _0\"></span> facto<span class=\"_ _0\"></span>rs. The<span class=\"_ _0\"></span> PD calc<span class=\"_ _0\"></span>ulation i<span class=\"_ _0\"></span>s based on <span class=\"_ _0\"></span>a tran<span class=\"_ _0\"></span>sition m<span class=\"_ _0\"></span>atri<span class=\"_ _0\"></span>x approac<span class=\"_ _0\"></span>h. The main assumpt<span class=\"_ _0\"></span>ions un<span class=\"_ _0\"></span>derlyi<span class=\"_ _0\"></span>ng such <span class=\"_ _0\"></span>approach<span class=\"_ _0\"></span> <span class=\"lsa ws24\">are<span class=\"ls1 ws1\"> <span class=\"_ _1d\"> </span></span></span>that th<span class=\"_ _0\"></span>e PD de<span class=\"_ _0\"></span>pends on<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>particul<span class=\"_ _0\"></span>ar pe<span class=\"ls5 ws32\">riod after </span>origination (\u2018months on book\u2019) and the curr<span class=\"_ _0\"></span>ent characteristics of the ex<span class=\"_ _0\"></span>posure or borrower. Default is consider<span class=\"_ _0\"></span>ed to be an<span class=\"_ _0\"></span> abso<span class=\"_ _0\"></span>rbing<span class=\"_ _0\"></span> state, w<span class=\"_ _0\"></span>here<span class=\"_ _0\"></span>by if an e<span class=\"_ _0\"></span>xposu<span class=\"_ _0\"></span>re is de<span class=\"_ _0\"></span>faulte<span class=\"_ _0\"></span>d, it re<span class=\"_ _0\"></span>mains in<span class=\"_ _0\"></span> thi<span class=\"_ _0\"></span>s state<span class=\"_ _0\"></span> during futur<span class=\"_ _1\"></span>e years<span class=\"_ _1\"></span>. Market<span class=\"_ _1\"></span> data<span class=\"_ _1\"></span> is used<span class=\"_ _1\"></span> fo<span class=\"ls8 wsa\">r the PD of<span class=\"_ _0\"></span> loans and a<span class=\"_ _0\"></span>dvanc<span class=\"_ _0\"></span>es to bank<span class=\"_ _0\"></span>s and inve<span class=\"_ _0\"></span>stment se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>es. If<span class=\"_ _0\"></span> a </span>counterpa<span class=\"_ _1\"></span>rty or expos<span class=\"_ _1\"></span>ure migrates between int<span class=\"_ _1\"></span>ernal rating <span class=\"_ _1\"></span>grades or ext<span class=\"_ _1\"></span>ernal credit ratin<span class=\"_ _1\"></span>gs, th<span class=\"_ _1\"></span>en this will lead to a change in the<span class=\"_ _0\"></span> associated PD.<span class=\"_ _0\"></span><span class=\"ls1\"> </span>The 12 month<span class=\"_ _1\"></span> and lifetime PDs<span class=\"_ _1\"></span> are developed b<span class=\"_ _1\"></span>y utilisin<span class=\"_ _1\"></span>g statistical metho<span class=\"_ _1\"></span>dologies to<span class=\"_ _1\"></span> analyse hist<span class=\"_ _1\"></span>orical observed data to e<span class=\"_ _0\"></span>stimate the probabili<span class=\"_ _0\"></span>ty of a borrow<span class=\"_ _0\"></span>er\u2019s transition from<span class=\"_ _0\"></span> one internal r<span class=\"_ _0\"></span>ating class to<span class=\"_ _0\"></span> another (o<span class=\"_ _1\"></span>r of staying in the same class<span class=\"_ _1\"></span>) within<span class=\"ls1 ws1\"> <span class=\"ls8 ws2d\">a given horizo<span class=\"_ _0\"></span>n. The c<span class=\"_ _0\"></span>onditional<span class=\"_ _0\"></span> PD is<span class=\"_ _0\"></span> adjuste<span class=\"_ _0\"></span>d to con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span> </span></span>forward<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls7\">looking information through macro</span>-<span class=\"_ _0\"></span><span class=\"ls6 ws7\">economic mod<span class=\"_ _1\"></span>elling.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span>EAD repr<span class=\"_ _0\"></span>esents the<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>cted exposur<span class=\"_ _0\"></span>e in the<span class=\"_ _0\"></span> event of<span class=\"_ _0\"></span> a d<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>ault (inc<span class=\"_ _0\"></span>luding any e<span class=\"_ _0\"></span>xpec<span class=\"_ _0\"></span>ted drawdow<span class=\"_ _0\"></span>ns of committ<span class=\"_ _1\"></span>ed fac<span class=\"_ _1\"></span>iliti<span class=\"_ _1\"></span>es). The Gr<span class=\"_ _1\"></span>oup<span class=\"_ _1\"></span> deriv<span class=\"_ _1\"></span>es the EAD<span class=\"_ _1\"></span> from the cu<span class=\"_ _1\"></span>rrent<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ure to t<span class=\"_ _1\"></span>he count<span class=\"_ _1\"></span>erpart<span class=\"_ _1\"></span>y and potential<span class=\"_ _0\"></span> change<span class=\"_ _0\"></span>s to the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt amount al<span class=\"_ _0\"></span>lowe<span class=\"_ _0\"></span>d under th<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws49\">contract. The E<span class=\"_ _1\"></span>AD of a financial a<span class=\"_ _1\"></span>sset is the </span></span>gross carrying amount at <span class=\"_ _0\"></span>default.<span class=\"ls1\"> </span>EAD is<span class=\"_ _1\"></span> bas<span class=\"_ _1\"></span>ed on t<span class=\"_ _1\"></span>he amou<span class=\"_ _1\"></span>nts t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p exp<span class=\"_ _1\"></span>ects to<span class=\"_ _1\"></span> be o<span class=\"_ _1\"></span>wed at<span class=\"_ _1\"></span> the ti<span class=\"_ _1\"></span>me of de<span class=\"_ _1\"></span>fault<span class=\"_ _1\"></span>, over<span class=\"_ _1\"></span> the n<span class=\"_ _1\"></span>ext 1<span class=\"_ _1\"></span>2 month<span class=\"_ _1\"></span>s (12M EA<span class=\"_ _1\"></span>D) or ov<span class=\"_ _1\"></span>er the re<span class=\"_ _1\"></span>main<span class=\"_ _1\"></span>ing li<span class=\"_ _1\"></span>fetime (L<span class=\"_ _1\"></span>ifeti<span class=\"_ _1\"></span>me EAD). <span class=\"_ _1\"></span>For exa<span class=\"_ _1\"></span>mple, fo<span class=\"_ _1\"></span>r a revo<span class=\"_ _1\"></span>lving<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ment,<span class=\"_ _1\"></span> the Group inc<span class=\"_ _0\"></span>ludes the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt drawn bal<span class=\"_ _0\"></span>ance plus any<span class=\"ls1 ws1\"> </span>f<span class=\"_ _0\"></span>urthe<span class=\"_ _0\"></span>r amount<span class=\"_ _0\"></span> that is expe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d to be draw<span class=\"_ _0\"></span>n up to the<span class=\"_ _11\"></span> current<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>tual lim<span class=\"_ _0\"></span>it by the t<span class=\"_ _0\"></span>ime of de<span class=\"_ _0\"></span>fault,<span class=\"_ _0\"></span> should it oc<span class=\"_ _0\"></span>cur. <span class=\"ls1 ws1\"> </span>The 1<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">mont<span class=\"_ _1\"></span>h and<span class=\"_ _1\"></span> lifeti<span class=\"_ _1\"></span>me EAD<span class=\"_ _1\"></span>s are d<span class=\"_ _1\"></span>etermin<span class=\"_ _1\"></span>ed ba<span class=\"_ _1\"></span>sed on<span class=\"_ _1\"></span> th<span class=\"_ _1\"></span>e expect<span class=\"_ _1\"></span>ed pay<span class=\"_ _1\"></span>ment p<span class=\"_ _1\"></span>rofil<span class=\"_ _1\"></span>e, whi<span class=\"_ _1\"></span>ch var<span class=\"_ _1\"></span>ies by<span class=\"_ _1\"></span> </span></span>product type<span class=\"_ _0\"></span>:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">for am<span class=\"_ _0\"></span>ortising<span class=\"_ _0\"></span> products<span class=\"_ _0\"></span> and b<span class=\"_ _0\"></span>ullet<span class=\"_ _0\"></span> repaym<span class=\"_ _0\"></span>ent loans, thi<span class=\"_ _11\"></span>s is based on<span class=\"_ _0\"></span> the contr<span class=\"_ _0\"></span>actual r<span class=\"_ _0\"></span>epaym<span class=\"_ _0\"></span>ents ow<span class=\"_ _0\"></span>ed </span>by th<span class=\"_ _1\"></span>e borr<span class=\"_ _1\"></span>ower over<span class=\"_ _1\"></span> a 12<span class=\"ls1 ws1\">-</span>mon<span class=\"_ _1\"></span>th or<span class=\"_ _1\"></span> lifetime ba<span class=\"_ _1\"></span>sis;<span class=\"_ _1\"></span> and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws53\">for re<span class=\"_ _0\"></span>volving pr<span class=\"_ _0\"></span>oduct<span class=\"_ _0\"></span>s, the Ex<span class=\"_ _11\"></span>posure at Def<span class=\"_ _0\"></span>ault is <span class=\"_ _0\"></span>predic<span class=\"_ _0\"></span>ted by taki<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>urrent dr<span class=\"_ _0\"></span>awn<span class=\"_ _0\"></span> balanc<span class=\"_ _0\"></span>e and ad<span class=\"_ _0\"></span>ding<span class=\"_ _0\"></span> </span>a \u2018cred<span class=\"_ _1\"></span>it con<span class=\"_ _1\"></span>versi<span class=\"_ _1\"></span>on fact<span class=\"_ _1\"></span>or\u2019 w<span class=\"_ _1\"></span>hich<span class=\"_ _1\"></span> allows<span class=\"_ _1\"></span> for th<span class=\"_ _1\"></span>e exp<span class=\"_ _1\"></span>ected d<span class=\"_ _1\"></span>rawd<span class=\"_ _1\"></span>own of<span class=\"_ _1\"></span> the r<span class=\"_ _1\"></span>emaini<span class=\"_ _1\"></span>ng li<span class=\"_ _1\"></span>mit b<span class=\"_ _1\"></span>y the t<span class=\"_ _1\"></span>ime of def<span class=\"_ _0\"></span>ault. These<span class=\"_ _0\"></span> assumptions var<span class=\"_ _0\"></span>y by produc<span class=\"_ _0\"></span>t type and cur<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>nt lim<span class=\"_ _0\"></span>it utili<span class=\"_ _0\"></span>sation band, base<span class=\"_ _0\"></span>d on analysi<span class=\"_ _0\"></span>s of the Gr<span class=\"_ _1\"></span>oup's<span class=\"_ _1\"></span> recent d<span class=\"_ _1\"></span>efau<span class=\"_ _1\"></span>lt dat<span class=\"_ _1\"></span>a.<span class=\"ls1 ws1\"> </span>The Los<span class=\"_ _1\"></span>s Given<span class=\"_ _1\"></span> Default<span class=\"_ _1\"></span> (\u2018L<span class=\"_ _1\"></span>GD\u2019) rep<span class=\"_ _1\"></span>resen<span class=\"_ _1\"></span>ts th<span class=\"_ _1\"></span>e Bank\u2019<span class=\"_ _1\"></span>s expect<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the ex<span class=\"_ _1\"></span>tent of l<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>s on a<span class=\"_ _1\"></span> defaul<span class=\"_ _1\"></span>ted expos<span class=\"_ _1\"></span>ure. H<span class=\"_ _1\"></span>ence, th<span class=\"_ _1\"></span>e LGD repres<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> expected<span class=\"_ _1\"></span> credit l<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span>es on the E<span class=\"_ _1\"></span>AD giv<span class=\"_ _1\"></span>en the ev<span class=\"_ _1\"></span>ent of defaul<span class=\"_ _1\"></span>t, tak<span class=\"_ _1\"></span>ing into accou<span class=\"_ _1\"></span>nt, among o<span class=\"_ _1\"></span>ther attributes,<span class=\"_ _1\"></span> the mitigating effect <span class=\"_ _1\"></span>of collateral v<span class=\"_ _1\"></span>alues at th<span class=\"_ _1\"></span>e time it is expected t<span class=\"_ _1\"></span>o be reali<span class=\"_ _1\"></span>sed an<span class=\"_ _1\"></span>d th<span class=\"_ _1\"></span>e time value o<span class=\"_ _1\"></span>f money.<span class=\"_ _1\"></span> The 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>month a<span class=\"_ _1\"></span>nd lifet<span class=\"_ _1\"></span>ime LGD a<span class=\"_ _1\"></span>re deter<span class=\"_ _1\"></span>min<span class=\"_ _1\"></span>ed bas<span class=\"_ _1\"></span>ed on th<span class=\"_ _1\"></span>e factor<span class=\"_ _1\"></span>s which<span class=\"_ _1\"></span> impact<span class=\"_ _1\"></span> the reco<span class=\"_ _1\"></span>veri<span class=\"_ _1\"></span>es made p<span class=\"_ _1\"></span>ost d<span class=\"_ _1\"></span>efault<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>For secured p<span class=\"_ _1\"></span>roducts,<span class=\"_ _1\"></span> LGD is <span class=\"_ _1\"></span>primarily ba<span class=\"_ _1\"></span>sed on colla<span class=\"_ _1\"></span>teral <span class=\"_ _1\"></span>type and p<span class=\"_ _1\"></span>rojected collat<span class=\"_ _1\"></span>eral v<span class=\"_ _1\"></span>alues, his<span class=\"_ _1\"></span>torical discounts to market/<span class=\"_ _0\"></span>book values due to force<span class=\"_ _0\"></span>d sales, time to repossession and re<span class=\"_ _0\"></span>covery costs observe<span class=\"_ _0\"></span>d. The LGD for<span class=\"_ _1\"></span> expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> secur<span class=\"_ _1\"></span>ed by r<span class=\"_ _1\"></span>eal estat<span class=\"_ _1\"></span>e will be der<span class=\"_ _1\"></span>ived<span class=\"_ _1\"></span> from th<span class=\"_ _1\"></span>e adju<span class=\"_ _1\"></span>sted l<span class=\"_ _1\"></span>oan<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-<span class=\"ls7 wsc\">value ratio of the<span class=\"_ _0\"></span> </span></span>individual f<span class=\"_ _0\"></span>acili<span class=\"_ _0\"></span>ties, and t<span class=\"_ _0\"></span>akes i<span class=\"_ _0\"></span>nto account<span class=\"_ _0\"></span> the ex<span class=\"_ _0\"></span>pecte<span class=\"_ _0\"></span>d recovery by applyi<span class=\"_ _0\"></span>ng a cost<span class=\"_ _0\"></span>s to se<span class=\"_ _0\"></span>ll hairc<span class=\"_ _0\"></span>ut and a marke<span class=\"_ _0\"></span>t value hai<span class=\"_ _0\"></span>rcut to<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>propert<span class=\"_ _0\"></span>y value,<span class=\"_ _0\"></span> and by<span class=\"_ _0\"></span> disco<span class=\"_ _0\"></span>unting (<span class=\"_ _0\"></span>using t<span class=\"_ _0\"></span>he ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>tive i<span class=\"ls5 ws68\">nterest<span class=\"_ _1\"></span> rate) th<span class=\"_ _1\"></span>e </span>upd<span class=\"_ _1\"></span>ated ma<span class=\"_ _1\"></span>rket va<span class=\"_ _1\"></span>lue of th<span class=\"_ _1\"></span>e p<span class=\"_ _1\"></span>roper<span class=\"_ _1\"></span>ty after<span class=\"_ _1\"></span> haircu<span class=\"_ _1\"></span>ts,<span class=\"_ _1\"></span> over a <span class=\"_ _1\"></span>perio<span class=\"_ _1\"></span>d of ti<span class=\"_ _1\"></span>me equ<span class=\"_ _1\"></span>ival<span class=\"_ _1\"></span>ent to t<span class=\"_ _1\"></span>he p<span class=\"_ _1\"></span>erceiv<span class=\"_ _1\"></span>ed tim<span class=\"_ _1\"></span>e to sel<span class=\"_ _1\"></span>l. The LGD fo<span class=\"_ _1\"></span>r other<span class=\"_ _1\"></span> expos<span class=\"_ _1\"></span>ures i<span class=\"_ _1\"></span>s based on t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span>\u2019s percei<span class=\"_ _1\"></span>ved ris<span class=\"_ _1\"></span>k on th<span class=\"_ _1\"></span>e collatera<span class=\"_ _1\"></span>l. For u<span class=\"_ _1\"></span>nsecu<span class=\"_ _1\"></span>red products, LGDs are ty<span class=\"ls6 ws1f\">p<span class=\"_ _1\"></span>ically set at prod<span class=\"_ _1\"></span>uct level due to<span class=\"_ _1\"></span> the limited d<span class=\"_ _1\"></span>ifferentiat<span class=\"_ _1\"></span>ion of rec<span class=\"_ _1\"></span>overies achi<span class=\"_ _1\"></span>eved </span>acros<span class=\"_ _1\"></span>s differ<span class=\"_ _1\"></span>ent bo<span class=\"_ _1\"></span>rrowers<span class=\"_ _1\"></span>. Thes<span class=\"_ _1\"></span>e LGDs a<span class=\"_ _1\"></span>re influ<span class=\"_ _1\"></span>enced<span class=\"_ _1\"></span> by col<span class=\"_ _1\"></span>lection<span class=\"_ _1\"></span> stra<span class=\"_ _1\"></span>tegies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The ECL i<span class=\"_ _1\"></span>s mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> from t<span class=\"_ _1\"></span>he in<span class=\"_ _1\"></span>itial r<span class=\"_ _1\"></span>ecogn<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> of the <span class=\"_ _1\"></span>fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>et. The maxi<span class=\"_ _1\"></span>mum p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> cons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> when mea<span class=\"_ _1\"></span>surin<span class=\"_ _1\"></span>g ECL (b<span class=\"_ _1\"></span>e it 12<span class=\"ls1 ws1\">-</span>month<span class=\"_ _1\"></span> or lifeti<span class=\"_ _1\"></span>me ECL<span class=\"_ _1\"></span>) is the max<span class=\"_ _1\"></span>imum co<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>ctual p<span class=\"_ _1\"></span>eriod o<span class=\"_ _1\"></span>ver whi<span class=\"_ _1\"></span>ch the Group is e<span class=\"_ _0\"></span>xposed to<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit ris<span class=\"_ _0\"></span>k. With r<span class=\"_ _0\"></span>espect<span class=\"_ _0\"></span> to non<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">revolving credit facilities,<span class=\"_ _1\"></span> the contract<span class=\"_ _1\"></span>ual life of the </span></span>facility is co<span class=\"_ _1\"></span>nsidered. In the case of revo<span class=\"_ _1\"></span>lving credit facilit<span class=\"_ _1\"></span>ies, provi<span class=\"_ _1\"></span>ded that such facilities do<span class=\"_ _1\"></span> not have a fixed ter<span class=\"_ _1\"></span>m or rep<span class=\"_ _1\"></span>aymen<span class=\"_ _1\"></span>t stru<span class=\"_ _1\"></span>cture,<span class=\"_ _1\"></span> the Gro<span class=\"_ _1\"></span>up defi<span class=\"_ _1\"></span>nes th<span class=\"_ _1\"></span>e lifetim<span class=\"_ _1\"></span>e of suc<span class=\"_ _1\"></span>h expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> as<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">12 months, in cas<span class=\"_ _1\"></span>e </span></span>the next<span class=\"_ _0\"></span> substantive c<span class=\"_ _0\"></span>redit r<span class=\"_ _0\"></span>eview<span class=\"_ _0\"></span> is wi<span class=\"_ _0\"></span>thin the ne<span class=\"_ _0\"></span>xt 12 months. For<span class=\"_ _0\"></span> the cre<span class=\"_ _0\"></span>dit car<span class=\"_ _0\"></span>ds portfol<span class=\"_ _0\"></span>io, the G<span class=\"_ _0\"></span>roup also ap<span class=\"_ _1\"></span>plies a lifetime of 12 m<span class=\"_ _1\"></span>onths.<span class=\"ls1 ws1\"> </span>Forward<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">looking <span class=\"_ _1\"></span>economic inf<span class=\"_ _1\"></span>ormation is<span class=\"_ _1\"></span> also inclu<span class=\"_ _1\"></span>ded in determ<span class=\"_ _1\"></span>ining the 12<span class=\"_ _1\"></span></span>-<span class=\"ls8 ws3c\">month and l<span class=\"_ _0\"></span>ifet<span class=\"_ _0\"></span>ime PD and </span></span>LGD. Refer to note 2.3.4<span class=\"_ _0\"></span>.4 for an explanation of forward<span class=\"ls1 ws1\">-<span class=\"ls6 ws55\">looking informat<span class=\"_ _1\"></span>ion and it<span class=\"_ _1\"></span>s inclu<span class=\"_ _1\"></span>sion in E<span class=\"_ _1\"></span>CL </span></span>calculation<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>The assum<span class=\"_ _0\"></span>ptions underl<span class=\"_ _0\"></span>ying t<span class=\"_ _0\"></span>he ECL c<span class=\"_ _0\"></span>alculat<span class=\"_ _0\"></span>ions are m<span class=\"_ _0\"></span>onitore<span class=\"_ _0\"></span>d and revi<span class=\"_ _0\"></span>ewe<span class=\"_ _0\"></span>d on a reg<span class=\"_ _0\"></span>ular basis. <span class=\"ls1 ws1\"> </span>For indiv<span class=\"_ _1\"></span>idually s<span class=\"_ _1\"></span>ignificant credit i<span class=\"_ _1\"></span>mpaired loans<span class=\"_ _1\"></span>, management<span class=\"_ _1\"></span> determines th<span class=\"_ _1\"></span>e size o<span class=\"_ _1\"></span>f the allowanc<span class=\"_ _1\"></span>e requi<span class=\"_ _1\"></span>red bas<span class=\"_ _1\"></span>ed on a r<span class=\"_ _1\"></span>ange of fact<span class=\"_ _1\"></span>ors s<span class=\"_ _1\"></span>uch as th<span class=\"_ _1\"></span>e realisa<span class=\"_ _1\"></span>ble value o<span class=\"_ _1\"></span>f securi<span class=\"_ _1\"></span>ty, the v<span class=\"_ _1\"></span>iabil<span class=\"_ _1\"></span>ity of the cus<span class=\"_ _1\"></span>tomer\u2019<span class=\"_ _1\"></span>s business mode<span class=\"_ _0\"></span>l and the c<span class=\"_ _0\"></span>apac<span class=\"_ _0\"></span>ity to ge<span class=\"_ _0\"></span>nerate<span class=\"_ _0\"></span> cash fl<span class=\"_ _0\"></span>ow to servic<span class=\"_ _0\"></span>e debt obl<span class=\"_ _0\"></span>igatio<span class=\"_ _0\"></span>ns, under<span class=\"_ _0\"></span> diffe<span class=\"_ _0\"></span>rent scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> Jud<span class=\"_ _1\"></span>gement is<span class=\"_ _1\"></span> applied<span class=\"_ _1\"></span> in esti<span class=\"_ _1\"></span>mating<span class=\"_ _1\"></span> the expe<span class=\"_ _1\"></span>cted<span class=\"_ _1\"></span> futu<span class=\"_ _1\"></span>re cash<span class=\"_ _1\"></span> flows fro<span class=\"_ _1\"></span>m each<span class=\"_ _1\"></span> borro<span class=\"_ _1\"></span>wer and<span class=\"_ _1\"></span> the<span class=\"_ _1\"></span> time to r<span class=\"_ _1\"></span>ecover t<span class=\"_ _1\"></span>hese cas<span class=\"_ _1\"></span>h flows<span class=\"_ _1\"></span> und<span class=\"_ _1\"></span>er the differen<span class=\"_ _1\"></span>t scen<span class=\"_ _1\"></span>ari<span class=\"_ _1\"></span>os as well<span class=\"_ _1\"></span> as to at<span class=\"_ _1\"></span>tach prob<span class=\"_ _1\"></span>abilit<span class=\"_ _1\"></span>ies <span class=\"ls9 ws12b\">to those </span>scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> The ass<span class=\"_ _1\"></span>umpt<span class=\"_ _1\"></span>ions arou<span class=\"_ _1\"></span>nd for<span class=\"_ _1\"></span>ecasted<span class=\"_ _1\"></span> recover<span class=\"_ _1\"></span>ies fr<span class=\"_ _1\"></span>om the s<span class=\"_ _1\"></span>ale of co<span class=\"_ _1\"></span>llatera<span class=\"_ _1\"></span>lised p<span class=\"_ _1\"></span>roper<span class=\"_ _1\"></span>ties, including<span class=\"_ _0\"></span> around valuati<span class=\"_ _0\"></span>on hair<span class=\"_ _0\"></span>cuts and tim<span class=\"_ _0\"></span>e to reco<span class=\"_ _0\"></span>very, are ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s in the estim<span class=\"_ _0\"></span>ation of cre<span class=\"_ _0\"></span>dit loss allowances in<span class=\"_ _1\"></span> respect of individ<span class=\"_ _1\"></span>ually asses<span class=\"_ _1\"></span>sed loans. The economic cond<span class=\"_ _1\"></span>itions with<span class=\"_ _1\"></span>in the local prop<span class=\"_ _1\"></span>erty marke<span class=\"_ _0\"></span>t, driven by t<span class=\"_ _0\"></span>he curr<span class=\"_ _0\"></span>ent mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-<span class=\"ls5 ws68\">economi<span class=\"_ _1\"></span>c enviro<span class=\"_ _1\"></span>nment,<span class=\"_ _1\"></span> increa<span class=\"_ _1\"></span>ses th<span class=\"_ _1\"></span>e level o<span class=\"_ _1\"></span>f expert<span class=\"_ _1\"></span> judg<span class=\"_ _1\"></span>ement </span></span>require<span class=\"_ _0\"></span>d to predi<span class=\"_ _0\"></span>ct wi<span class=\"_ _0\"></span>th reasonabl<span class=\"_ _0\"></span>e acc<span class=\"_ _0\"></span>uracy the<span class=\"_ _0\"></span> recove<span class=\"_ _0\"></span>rabili<span class=\"_ _0\"></span>ty of ex<span class=\"_ _0\"></span>posures throug<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span> sale <span class=\"ls6 ws1d\">of collateral. </span>To refl<span class=\"_ _1\"></span>ect the eco<span class=\"_ _1\"></span>nomic co<span class=\"_ _1\"></span>ndi<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span>s curr<span class=\"_ _1\"></span>ently bei<span class=\"_ _1\"></span>ng experi<span class=\"_ _1\"></span>enced<span class=\"_ _1\"></span>, cons<span class=\"_ _1\"></span>ervat<span class=\"_ _1\"></span>ive ju<span class=\"_ _1\"></span>dgements<span class=\"_ _1\"></span> were app<span class=\"_ _1\"></span>lied b<span class=\"_ _1\"></span>y management in<span class=\"_ _1\"></span> order to overcome limitatio<span class=\"_ _1\"></span>ns in respect of determining co<span class=\"_ _1\"></span>llateral valu<span class=\"_ _1\"></span>ations, and th<span class=\"_ _1\"></span>e uncertai<span class=\"_ _0\"></span>nty around<span class=\"_ _0\"></span> the tim<span class=\"_ _0\"></span>e to re<span class=\"_ _0\"></span>pos<span class=\"ls6 ws1c\">sess properties<span class=\"_ _1\"></span> held as collateral an<span class=\"_ _1\"></span>d to resell s<span class=\"_ _1\"></span>uch properties in the </span>open<span class=\"_ _1\"></span> market. 2.3.4.4 Forwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7\">looking information incor<span class=\"_ _0\"></span>porated in the ECL m<span class=\"_ _0\"></span>odel<span class=\"ls1\"> </span></span></span>The calcul<span class=\"_ _0\"></span>ation of ECL incorpo<span class=\"_ _0\"></span>rates forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-</span>looking infor<span class=\"_ _0\"></span>mation. The Group per<span class=\"_ _0\"></span>forms a<span class=\"_ _0\"></span> historical analy<span class=\"_ _0\"></span>sis to identify t<span class=\"_ _1\"></span>he key economic va<span class=\"_ _1\"></span>riables affecting credit<span class=\"_ _1\"></span> risk and<span class=\"_ _1\"></span> expected credit loss<span class=\"_ _1\"></span>es for each po<span class=\"_ _1\"></span>rtfolio. These econo<span class=\"_ _1\"></span>mic variables a<span class=\"_ _1\"></span>nd their as<span class=\"_ _1\"></span>socia<span class=\"ls8 wsa\">ted impact<span class=\"_ _0\"></span> on the<span class=\"_ _0\"></span> PD, EAD and L<span class=\"_ _0\"></span>GD m<span class=\"_ _0\"></span>ay vary by portf<span class=\"_ _0\"></span>olio. <span class=\"ls1 ws1\"> </span></span>In this res<span class=\"_ _0\"></span>pect<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup has <span class=\"_ _0\"></span><span class=\"ls6 ws8\">actually <span class=\"ws12\">identified key drivers<span class=\"_ _1\"></span> of credit risk and<span class=\"_ _1\"></span> credit losses for each port<span class=\"_ _1\"></span>folio </span></span>of fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>rument<span class=\"_ _0\"></span>s and, using a<span class=\"_ _0\"></span>n analysi<span class=\"_ _0\"></span>s of hist<span class=\"_ _0\"></span>orical<span class=\"_ _0\"></span> data, has a<span class=\"_ _0\"></span>nalyse<span class=\"_ _0\"></span>d relati<span class=\"_ _0\"></span>onships <span class=\"_ _0\"></span>betw<span class=\"_ _0\"></span>een mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>economic varia<span class=\"_ _1\"></span>bles, cred<span class=\"_ _1\"></span>it risk and<span class=\"_ _1\"></span> credit loss<span class=\"_ _1\"></span>es. The key driv<span class=\"_ _1\"></span>ers cons<span class=\"_ _1\"></span>t<span class=\"ls9 ws131\">itute Gross Domestic Product (\u2018GDP\u2019) </span>at constant <span class=\"_ _0\"></span>price<span class=\"_ _0\"></span>s, unempl<span class=\"_ _0\"></span>oyment<span class=\"_ _0\"></span> rates and inf<span class=\"_ _0\"></span>lation r<span class=\"_ _0\"></span>ates.<span class=\"ls1 ws1\"> </span>The impa<span class=\"_ _1\"></span>ct of th<span class=\"_ _1\"></span>ese econ<span class=\"_ _1\"></span>omic v<span class=\"_ _1\"></span>ariab<span class=\"_ _1\"></span>les on th<span class=\"_ _1\"></span>e PD, EAD an<span class=\"_ _1\"></span>d LGD ha<span class=\"_ _1\"></span>s been det<span class=\"_ _1\"></span>ermined b<span class=\"_ _1\"></span>y performi<span class=\"_ _1\"></span>ng statis<span class=\"_ _1\"></span>tical regression<span class=\"_ _1\"></span> analysi<span class=\"_ _1\"></span>s to understa<span class=\"_ _1\"></span>nd the impact<span class=\"_ _1\"></span> changes in t<span class=\"_ _1\"></span>hese variab<span class=\"_ _1\"></span>les have h<span class=\"_ _1\"></span>ad his<span class=\"_ _1\"></span>torically on<span class=\"_ _1\"></span> default<span class=\"_ _0\"></span> rates and on t<span class=\"_ _0\"></span>he com<span class=\"_ _0\"></span>ponents of L<span class=\"_ _0\"></span>GD and EAD<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>Three<span class=\"_ _0\"></span> possible<span class=\"_ _0\"></span> scenari<span class=\"_ _0\"></span>os are consider<span class=\"_ _0\"></span>ed to ca<span class=\"_ _0\"></span>pture non<span class=\"ls1 ws1\">-<span class=\"ls6 ws39\">linearity acros<span class=\"_ _1\"></span>s credit por<span class=\"_ _1\"></span>tfolios. The \u2018ba<span class=\"_ _1\"></span>se line\u2019 </span></span>scena<span class=\"_ _1\"></span>rio rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s the mo<span class=\"_ _1\"></span>st<span class=\"ls1 ws1\">-<span class=\"ls6 ws64\">likely ou<span class=\"_ _1\"></span>tcome. It is bas<span class=\"_ _1\"></span>ed on aut<span class=\"_ _1\"></span>horitative sou<span class=\"_ _1\"></span>rces forecasting thes<span class=\"_ _1\"></span>e </span></span>econo<span class=\"_ _1\"></span>mic vari<span class=\"_ _1\"></span>ables<span class=\"_ _1\"></span> referred<span class=\"_ _1\"></span> to ab<span class=\"_ _1\"></span>ove and pr<span class=\"_ _1\"></span>ovid<span class=\"_ _1\"></span>ing the best<span class=\"_ _1\"></span> estimat<span class=\"_ _1\"></span>e view of t<span class=\"_ _1\"></span>he econo<span class=\"_ _1\"></span>my. Apa<span class=\"_ _1\"></span>rt from the \u2018base l<span class=\"_ _0\"></span>ine\u2019 sce<span class=\"_ _0\"></span>nario, t<span class=\"_ _0\"></span>he Group consider<span class=\"_ _0\"></span>s two othe<span class=\"_ _0\"></span>r macro<span class=\"ls1 ws1\">-<span class=\"ls6 ws1d\">economic scena<span class=\"_ _1\"></span>rios </span>\u2013 </span>Upside and Downside<span class=\"_ _0\"></span> scenarios<span class=\"_ _1\"></span> <span class=\"_ _11\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"_ _0\"></span><span class=\"ls6 ws2e\">which resp<span class=\"_ _1\"></span>ectively repres<span class=\"_ _1\"></span>ent a more<span class=\"_ _1\"></span> optimistic a<span class=\"_ _1\"></span>nd a mo<span class=\"_ _1\"></span>re pessimis<span class=\"_ _1\"></span>tic outcom<span class=\"_ _1\"></span>e. Such scena<span class=\"ws8\">rios<span class=\"_ _1\"></span> </span></span></span>reflect<span class=\"_ _1\"></span> the cur<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span> top a<span class=\"_ _1\"></span>nd emerg<span class=\"_ _1\"></span>ent ri<span class=\"_ _1\"></span>sks a<span class=\"_ _1\"></span>nd op<span class=\"_ _1\"></span>port<span class=\"_ _1\"></span>unities. Th<span class=\"_ _1\"></span>e more o<span class=\"_ _1\"></span>pti<span class=\"_ _1\"></span>mistic a<span class=\"_ _1\"></span>nd mo<span class=\"_ _1\"></span>re pess<span class=\"_ _1\"></span>imisti<span class=\"_ _1\"></span>c scena<span class=\"_ _1\"></span>rios a<span class=\"_ _1\"></span>re econo<span class=\"_ _1\"></span>mical<span class=\"_ _1\"></span>ly pl<span class=\"_ _1\"></span>aus<span class=\"_ _1\"></span>ible, a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e more pes<span class=\"_ _1\"></span>simi<span class=\"_ _1\"></span>stic s<span class=\"_ _1\"></span>cenari<span class=\"_ _1\"></span>o will no<span class=\"_ _1\"></span>t nec<span class=\"_ _1\"></span>essa<span class=\"_ _1\"></span>rily b<span class=\"_ _1\"></span>e as sev<span class=\"_ _1\"></span>ere as scena<span class=\"_ _0\"></span>rios use<span class=\"_ _0\"></span>d in <span class=\"_ _0\"></span>stress t<span class=\"_ _0\"></span>esti<span class=\"_ _0\"></span>ng.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Modelling of th<span class=\"_ _1\"></span>e economic scen<span class=\"_ _1\"></span>arios, i.e. th<span class=\"_ _1\"></span>e forecast valu<span class=\"_ _1\"></span>es of economic varia<span class=\"_ _1\"></span>bles for optimis<span class=\"_ _1\"></span>tic and pess<span class=\"_ _1\"></span>imisti<span class=\"_ _1\"></span>c scena<span class=\"_ _1\"></span>rios,<span class=\"_ _1\"></span> is perfor<span class=\"_ _1\"></span>med on t<span class=\"_ _1\"></span>he bas<span class=\"_ _1\"></span>is of the his<span class=\"_ _1\"></span>torical<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>es and an<span class=\"_ _1\"></span>nual fo<span class=\"_ _1\"></span>recast<span class=\"_ _1\"></span> values fo<span class=\"_ _1\"></span>r the base scena<span class=\"_ _0\"></span>rio, mai<span class=\"_ _0\"></span>nly based o<span class=\"_ _0\"></span>n the publi<span class=\"_ _0\"></span>shed<span class=\"ls1 ws1\"> <span class=\"ls1c ws2d\">three<span class=\"_ _1\"></span></span>-<span class=\"ls7\">year forecast of<span class=\"_ _0\"></span> the Central B<span class=\"_ _0\"></span>ank of Malta.<span class=\"ls1\"> </span></span></span>The pes<span class=\"_ _1\"></span>simis<span class=\"_ _1\"></span>tic and<span class=\"_ _1\"></span> opti<span class=\"_ _1\"></span>mist<span class=\"_ _1\"></span>ic scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> are de<span class=\"_ _1\"></span>emed to<span class=\"_ _1\"></span> rep<span class=\"_ _1\"></span>resent ma<span class=\"_ _1\"></span>nag<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>'s bes<span class=\"_ _1\"></span>t forec<span class=\"_ _1\"></span>ast o<span class=\"_ _1\"></span>f an econom<span class=\"_ _0\"></span>ically plausibl<span class=\"_ _0\"></span>e upside<span class=\"_ _0\"></span> and dow<span class=\"_ _0\"></span>nside sce<span class=\"_ _0\"></span>nario.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Each scenar<span class=\"_ _0\"></span>io is w<span class=\"_ _0\"></span>eig<span class=\"_ _0\"></span>hted by a<span class=\"_ _0\"></span> probabili<span class=\"_ _0\"></span>ty of occ<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>e, det<span class=\"_ _0\"></span>ermi<span class=\"_ _0\"></span>ned by a com<span class=\"_ _0\"></span>bination of<span class=\"_ _0\"></span> m<span class=\"_ _0\"></span>acro<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">economi<span class=\"_ _1\"></span>c </span></span>resear<span class=\"_ _0\"></span>ch and expe<span class=\"_ _0\"></span>rt cr<span class=\"_ _0\"></span>edit judgme<span class=\"_ _0\"></span>nt, taking<span class=\"_ _0\"></span> into acc<span class=\"_ _0\"></span>ount the<span class=\"_ _0\"></span> range<span class=\"_ _0\"></span> of possible<span class=\"_ _0\"></span> outcom<span class=\"_ _0\"></span>es eac<span class=\"_ _0\"></span>h chosen scena<span class=\"_ _1\"></span>rio rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s. Th<span class=\"_ _1\"></span>e Gro<span class=\"_ _1\"></span>up mea<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> ECL as<span class=\"_ _1\"></span> eith<span class=\"_ _1\"></span>e<span class=\"ls6 ws23\">r a p<span class=\"_ _1\"></span>robability<span class=\"_ _1\"></span> weighted 12<span class=\"ls1 ws1\">-<span class=\"lsd ws6c\">mo<span class=\"_ _1\"></span>nth ECL (St<span class=\"_ _1\"></span>age 1<span class=\"_ _1\"></span>), or </span></span></span>a proba<span class=\"_ _1\"></span>bility weighted lifetim<span class=\"_ _1\"></span>e ECL (Stages 2 and<span class=\"_ _1\"></span> 3). These proba<span class=\"_ _1\"></span>bility<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">weight<span class=\"_ _1\"></span>ed ECLs<span class=\"_ _1\"></span> are det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>ed by </span></span>running ea<span class=\"_ _0\"></span>ch scenar<span class=\"_ _0\"></span>io throug<span class=\"_ _0\"></span>h the r<span class=\"_ _0\"></span>ele<span class=\"_ _0\"></span>vant ECL mode<span class=\"_ _0\"></span>l and mul<span class=\"_ _0\"></span>tiplying<span class=\"_ _0\"></span> the outc<span class=\"_ _0\"></span>ome by the<span class=\"_ _0\"></span> appropria<span class=\"_ _0\"></span>te scenari<span class=\"_ _0\"></span>o wei<span class=\"_ _0\"></span>ghting (<span class=\"_ _0\"></span>as opposed to w<span class=\"_ _0\"></span>eighti<span class=\"_ _0\"></span>ng the i<span class=\"_ _0\"></span>nputs).<span class=\"_ _bc\"> </span> <span class=\"ls1 ws1\"> </span>As with<span class=\"_ _1\"></span> any macr<span class=\"_ _1\"></span>o<span class=\"ls1 ws1\">-<span class=\"ls7 wsf\">economic forecasts, the <span class=\"_ _0\"></span>projections a<span class=\"_ _0\"></span>nd likelihood of occ<span class=\"_ _0\"></span>urrence <span class=\"_ _0\"></span>are subject to<span class=\"_ _0\"></span> an </span></span>elevat<span class=\"_ _1\"></span>ed de<span class=\"_ _1\"></span>gree of u<span class=\"_ _1\"></span>ncer<span class=\"_ _1\"></span>taint<span class=\"_ _1\"></span>y and<span class=\"_ _1\"></span> therefo<span class=\"_ _1\"></span>re, th<span class=\"_ _1\"></span>e actu<span class=\"_ _1\"></span>al ou<span class=\"_ _1\"></span>tcomes<span class=\"_ _1\"></span> may<span class=\"_ _1\"></span> be sign<span class=\"_ _1\"></span>ifica<span class=\"_ _1\"></span>ntly d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>t to t<span class=\"_ _1\"></span>hose<span class=\"_ _1\"></span> proj<span class=\"_ _1\"></span>ected. <span class=\"ls1 ws1\"> </span>Local economi<span class=\"_ _0\"></span>c growth m<span class=\"_ _0\"></span>oderated, as Malta move<span class=\"_ _0\"></span>s further<span class=\"_ _0\"></span> away from the<span class=\"_ _0\"></span> post<span class=\"ls1 ws1\">-<span class=\"ls5 ws63\">pandemi<span class=\"_ _1\"></span>c recover<span class=\"_ _1\"></span>y, in a<span class=\"_ _1\"></span> </span></span>context of a w<span class=\"_ _1\"></span>eakening globa<span class=\"_ _1\"></span>l outlo<span class=\"_ _1\"></span>ok, charact<span class=\"_ _1\"></span>erised by trade po<span class=\"_ _1\"></span>licy uncertain<span class=\"_ _1\"></span>ty and geop<span class=\"_ _1\"></span>olitical tens<span class=\"_ _1\"></span>ions. The Central Bank o<span class=\"_ _1\"></span>f Malta forecasts<span class=\"_ _1\"></span> that Malta\u2019s real GDP growth<span class=\"_ _1\"></span> will moderate from 6.8<span class=\"_ _1\"></span>% in 2024 to 3.7% in 2025 and re<span class=\"_ _1\"></span>main at 3.7<span class=\"_ _1\"></span>% in bo<span class=\"_ _1\"></span>th 2026 and 202<span class=\"_ _1\"></span>7. <span class=\"ls8 ws86\">This trend is also<span class=\"_ _0\"></span> confir<span class=\"_ _0\"></span>med by the Europe<span class=\"_ _0\"></span>an </span>Commission,<span class=\"_ _0\"></span> which e<span class=\"_ _0\"></span>xpect<span class=\"_ _0\"></span>s it to be drive<span class=\"_ _0\"></span>n mainly by r<span class=\"_ _0\"></span>obust pri<span class=\"_ _0\"></span>vate and publi<span class=\"_ _0\"></span>c consump<span class=\"_ _0\"></span>tion, i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt, an<span class=\"ls8 wsa\">d supporte<span class=\"_ _0\"></span>d by growt<span class=\"_ _0\"></span>h in tour<span class=\"_ _0\"></span>ism, gam<span class=\"_ _0\"></span>ing and f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> and profe<span class=\"_ _0\"></span>ssional ser<span class=\"_ _0\"></span>vices. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>Employme<span class=\"_ _0\"></span>nt growth i<span class=\"_ _0\"></span>s expected to m<span class=\"_ _0\"></span>oderate, a<span class=\"_ _0\"></span>s econom<span class=\"_ _0\"></span>ic growt<span class=\"_ _0\"></span>h eases and producti<span class=\"_ _0\"></span>vity g<span class=\"_ _0\"></span>ains ground. This is cou<span class=\"_ _1\"></span>pled with the introdu<span class=\"_ _1\"></span>ction of policies<span class=\"_ _1\"></span> aimed at limiting inward migra<span class=\"_ _1\"></span>tion. The u<span class=\"_ _1\"></span>nemployment<span class=\"_ _1\"></span> rate is expected t<span class=\"_ _1\"></span>o edge down to 2.8% by 2027, remainin<span class=\"_ _1\"></span>g below its natural<span class=\"_ _1\"></span> rate of 3.1%. This negative unemployment g<span class=\"_ _0\"></span>ap is expected to be a key factor i<span class=\"_ _0\"></span>n wage growth outlook.<span class=\"ls1\"> </span>Being<span class=\"_ _0\"></span> a small o<span class=\"_ _0\"></span>pen eco<span class=\"_ _0\"></span>nomy, Mal<span class=\"_ _0\"></span>ta is infl<span class=\"_ _0\"></span>uence<span class=\"_ _0\"></span>d by developm<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Euro Are<span class=\"_ _0\"></span>a, EU a<span class=\"_ _0\"></span>nd the glo<span class=\"_ _0\"></span>bal market. In Eu<span class=\"_ _1\"></span>rope, rea<span class=\"_ _1\"></span>l GDP is<span class=\"_ _1\"></span> forecasted to gro<span class=\"_ _1\"></span>w by 1.<span class=\"_ _1\"></span>4% in the E<span class=\"_ _1\"></span>U in 2025 a<span class=\"_ _1\"></span>nd 2026, <span class=\"_ _1\"></span>edging up<span class=\"_ _1\"></span> to 1.5%<span class=\"_ _1\"></span> in 2027. The <span class=\"_ _1\"></span>euro area is exp<span class=\"_ _1\"></span>ected fo<span class=\"_ _1\"></span>llow a similar t<span class=\"_ _1\"></span>rajector<span class=\"_ _1\"></span>y, with real G<span class=\"_ _1\"></span>DP growing b<span class=\"_ _1\"></span>y 1.3% in 20<span class=\"_ _1\"></span>25, 1.2% in 2026, and<span class=\"_ _1\"></span> by 1.4% in 2027<span class=\"_ _1\"></span>.Growth is su<span class=\"_ _1\"></span>pported b<span class=\"_ _1\"></span>y a resilient labou<span class=\"_ _1\"></span>r market, decrea<span class=\"_ _1\"></span>sing inflatio<span class=\"_ _1\"></span>n and favourable<span class=\"_ _0\"></span> financ<span class=\"_ _0\"></span>ing condi<span class=\"_ _0\"></span>tions. The<span class=\"_ _0\"></span> Com<span class=\"_ _0\"></span>mission se<span class=\"_ _0\"></span>es these<span class=\"_ _0\"></span> as \u201ckey con<span class=\"_ _0\"></span>ditio<span class=\"_ _0\"></span>ns\u201d for<span class=\"_ _0\"></span> continue<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">economic </span></span>growth,<span class=\"_ _0\"></span> despite<span class=\"_ _0\"></span> the chall<span class=\"_ _0\"></span>enging e<span class=\"_ _0\"></span>xterna<span class=\"_ _0\"></span>l environm<span class=\"_ _0\"></span>ent and unc<span class=\"_ _0\"></span>ertai<span class=\"_ _0\"></span>nty. <span class=\"ls1 ws1\"> </span>Euro area i<span class=\"_ _1\"></span>nflation is expecte<span class=\"_ _1\"></span>d to slow from 2.4% in 202<span class=\"_ _1\"></span>4 to 2.1% in 2025 and t<span class=\"_ _1\"></span>hen remain broa<span class=\"_ _1\"></span>dly stable at 1.9% in 2026 and<span class=\"_ _1\"></span> 2.0% in 2027. Consequent<span class=\"_ _1\"></span>ly, the ECB has kep<span class=\"_ _1\"></span>t its interest rat<span class=\"_ _1\"></span>es on the deposit facility, the mai<span class=\"_ _0\"></span>n refinanc<span class=\"_ _0\"></span>ing oper<span class=\"_ _0\"></span>ations and the ma<span class=\"ls6 ws19\">rginal lending facility u<span class=\"_ _1\"></span>nchanged at<span class=\"_ _1\"></span> 2.00%, 2.<span class=\"_ _1\"></span>15% and 2.40%<span class=\"_ _1\"></span> </span>respec<span class=\"_ _1\"></span>tively<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>Further<span class=\"_ _0\"></span>more<span class=\"_ _0\"></span>, the EU and U<span class=\"_ _0\"></span>S signe<span class=\"_ _0\"></span>d a joint ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>ment on r<span class=\"_ _0\"></span>eciproca<span class=\"_ _0\"></span>l, fair<span class=\"_ _0\"></span> and balance<span class=\"_ _0\"></span>d trad<span class=\"_ _0\"></span>e, establ<span class=\"_ _0\"></span>ishing a<span class=\"_ _0\"></span> 15% head<span class=\"_ _1\"></span>line ta<span class=\"_ _1\"></span>riff in Au<span class=\"_ _1\"></span>gust<span class=\"_ _1\"></span>. Than<span class=\"_ _1\"></span>ks to a nu<span class=\"_ _1\"></span>mber of ca<span class=\"_ _1\"></span>rveouts<span class=\"_ _1\"></span>, the j<span class=\"_ _1\"></span>oint agreemen<span class=\"_ _1\"></span>t pla<span class=\"_ _1\"></span>ces th<span class=\"_ _1\"></span>e EU at a competitive<span class=\"_ _0\"></span> advantage compared to other tradin<span class=\"lsa ws44\">g partners<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span>On a more global sc<span class=\"_ _0\"></span>ale, the<span class=\"_ _0\"></span> IMF\u2019s G<span class=\"_ _0\"></span>lobal Economic Outloo<span class=\"_ _0\"></span>k projects gl<span class=\"_ _0\"></span>obal grow<span class=\"_ _0\"></span>th to sl<span class=\"_ _0\"></span>ow from 3<span class=\"_ _0\"></span>.6% in 2024 to 2.6% in<span class=\"_ _1\"></span> 2025. The IMF s<span class=\"_ _1\"></span>ees risks t<span class=\"_ _1\"></span>o the outlook remain<span class=\"_ _1\"></span>ing tilted to th<span class=\"_ _1\"></span>e downside d<span class=\"_ _1\"></span>ue to further escalation of prote<span class=\"_ _0\"></span>ctionist measure<span class=\"_ _0\"></span>s and larger<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">th</span></span><span class=\"ws4e\">an<span class=\"ls1 ws1\">-<span class=\"ls8 ws5c\">ex<span class=\"_ _0\"></span>pected shock<span class=\"_ _0\"></span>s to labour<span class=\"_ _0\"></span> suppl<span class=\"_ _0\"></span>y f<span class=\"_ _0\"></span>rom re<span class=\"_ _0\"></span>stricti<span class=\"_ _0\"></span>ve </span></span></span>immigration<span class=\"_ _1\"></span> policies. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The macr<span class=\"_ _0\"></span>oeconomi<span class=\"_ _0\"></span>c streng<span class=\"_ _0\"></span>th observed in re<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span> years lar<span class=\"_ _0\"></span>gely refl<span class=\"_ _0\"></span>ects cont<span class=\"_ _0\"></span>inued post<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">pandemi<span class=\"_ _1\"></span>c recov<span class=\"_ _1\"></span>ery<span class=\"_ _1\"></span> </span></span>dynamics and base<span class=\"_ _0\"></span> eff<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s, resulting i<span class=\"_ _0\"></span>n observations t<span class=\"_ _0\"></span>hat are<span class=\"_ _0\"></span> not ful<span class=\"_ _0\"></span>ly repre<span class=\"_ _0\"></span>sentati<span class=\"_ _0\"></span>ve of longer<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">term </span></span>economic cond<span class=\"_ _1\"></span>itions. Thes<span class=\"_ _1\"></span>e atypica<span class=\"_ _1\"></span>l data poi<span class=\"_ _1\"></span>nts fall<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls8 ws67\">outside<span class=\"_ _0\"></span> the histor<span class=\"_ _0\"></span>ical ra<span class=\"_ _0\"></span>nges used f<span class=\"_ _0\"></span>or ECL m<span class=\"_ _0\"></span>odel </span></span>calibratio<span class=\"_ _1\"></span>n and may introdu<span class=\"_ _1\"></span>ce distortions in time<span class=\"ls1 ws1\">-</span>series<span class=\"_ _1\"></span> behaviour, with<span class=\"_ _1\"></span> potential implicatio<span class=\"_ _1\"></span>ns for model perfor<span class=\"_ _0\"></span>mance and pro<span class=\"_ _0\"></span>jecti<span class=\"_ _0\"></span>ons.<span class=\"ls1 ws1\"> </span>In this reg<span class=\"_ _0\"></span>ard, a<span class=\"_ _0\"></span> very im<span class=\"_ _0\"></span>porta<span class=\"_ _0\"></span>nt judgem<span class=\"_ _0\"></span>ent w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> Bank\u2019s esti<span class=\"_ _0\"></span>mation of<span class=\"_ _0\"></span> ECL all<span class=\"_ _0\"></span>owance<span class=\"_ _0\"></span>s continue<span class=\"_ _0\"></span>s to be<span class=\"_ _0\"></span> the det<span class=\"_ _1\"></span>ermin<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of fo<span class=\"_ _1\"></span>rward<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws55\">looking scena<span class=\"_ _1\"></span>rios reflectin<span class=\"_ _1\"></span>g potent<span class=\"_ _1\"></span>ial future eco<span class=\"_ _1\"></span>nomic c<span class=\"_ _1\"></span>ondition<span class=\"_ _1\"></span>s under </span></span>diffe<span class=\"_ _0\"></span>rent scena<span class=\"_ _0\"></span>rios and thei<span class=\"_ _0\"></span>r impac<span class=\"_ _0\"></span>t on PDs and L<span class=\"ls5 ws7\">GDs.<span class=\"ls1 ws1\"> </span></span>The most sign<span class=\"_ _1\"></span>ificant period<span class=\"ls1 ws1\">-</span>e<span class=\"_ _1\"></span>nd assumpt<span class=\"_ _1\"></span>ions used for the ECL estimate a<span class=\"_ _1\"></span>s at 31 December 2025 an<span class=\"_ _1\"></span>d 2024 are set<span class=\"_ _1\"></span> out b<span class=\"_ _1\"></span>elow. The \u2018<span class=\"_ _1\"></span>base\u2019<span class=\"_ _1\"></span>, \u2018up<span class=\"_ _1\"></span>side\u2019<span class=\"_ _1\"></span> and \u2018d<span class=\"_ _1\"></span>ownsi<span class=\"_ _1\"></span>de\u2019 scena<span class=\"_ _1\"></span>rios wer<span class=\"_ _1\"></span>e used<span class=\"_ _1\"></span> for all p<span class=\"_ _1\"></span>ortfol<span class=\"_ _1\"></span>ios<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span>\u2022 The \u2018B<span class=\"_ _0\"></span>ase\u2019 Sc<span class=\"_ _0\"></span>enario <span class=\"_ _0\"></span>captures busi<span class=\"_ _0\"></span>ness<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">as</span>-<span class=\"ls7 wsa1\">usual<span class=\"_ _0\"></span> macro<span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">economic exp<span class=\"_ _1\"></span>ectati<span class=\"_ _1\"></span>ons,<span class=\"_ _1\"></span> whereby<span class=\"_ _1\"></span> the cu<span class=\"_ _1\"></span>rrent </span></span></span></span>rhythm of econ<span class=\"_ _1\"></span>omic activity i<span class=\"_ _1\"></span>s maintained<span class=\"_ _1\"></span>;<span class=\"ls1 ws1\"> </span>\u2022 The \u2018D<span class=\"_ _0\"></span>ownside\u2019<span class=\"_ _0\"></span> Scenar<span class=\"_ _0\"></span>io is based o<span class=\"_ _0\"></span>n a subdue<span class=\"_ _0\"></span>d leve<span class=\"_ _0\"></span>l of e<span class=\"_ _0\"></span>conomic a<span class=\"_ _0\"></span>ctivity hypot<span class=\"_ _0\"></span>hesized t<span class=\"_ _0\"></span>o cor<span class=\"_ _0\"></span>respon<span class=\"_ _0\"></span>d to prolonged period of<span class=\"_ _0\"></span> an economic c<span class=\"_ _0\"></span>ontraction;<span class=\"ls1\"> </span>\u2022 The \u2018U<span class=\"_ _0\"></span>pside\u2019 Sce<span class=\"_ _0\"></span>nario is bas<span class=\"_ _0\"></span>ed on the<span class=\"_ _0\"></span> assumption tha<span class=\"_ _0\"></span>t it w<span class=\"_ _0\"></span>ould be possi<span class=\"_ _0\"></span>ble to m<span class=\"_ _0\"></span>arginal<span class=\"_ _0\"></span>ly impr<span class=\"_ _0\"></span>ove furthe<span class=\"_ _0\"></span>r over the<span class=\"_ _0\"></span> econom<span class=\"_ _0\"></span>ic conditions con<span class=\"_ _0\"></span>sider<span class=\"_ _0\"></span>ed in the<span class=\"_ _0\"></span> \u2018Base\u2019 S<span class=\"_ _0\"></span>cenar<span class=\"_ _0\"></span>io.<table class=\"s w1ef h1ae\" id=\"_47ab0b00-c5cd-4b49-86fa-d66497321df9\"><tr><td></td><td></td><td class=\"c x2d6 y1e6d wca hc3\"><div class=\"t m0 xf7 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As of 31 December 2025<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x2d6 y1e6e wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2026<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e6e wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2027<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e6e wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2028 </div></td></tr><tr><td class=\"c x2d9 y1e6f wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Gross Dom<span class=\"_ _1\"></span>estic Produc<span class=\"_ _1\"></span>t, consta<span class=\"_ _1\"></span>nt prices (Y<span class=\"_ _1\"></span>oY)<span class=\"_ _1\"></span>*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e70 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e70 wa5 hc3\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e70 wbc hc3\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e70 wa5 hc3\"><div class=\"t m0 x35 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">3.70% </div></td></tr><tr><td class=\"c x2d9 y1e71 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e71 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e71 wbc hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e71 wa5 hc3\"><div class=\"t m0 xe2 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.6 - 6.9]% </div></td></tr><tr><td class=\"c x2d9 y1e72 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls2a ws99\">Unemployment rate (Y<span class=\"_ _1\"></span>oY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e73 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e73 wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e73 wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e73 wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.8% </div></td></tr><tr><td class=\"c x2d9 y1e74 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e74 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4 - 4.2]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e74 wbc hc3\"><div class=\"t m0 xe9 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4- 4.2]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e74 wa5 hc3\"><div class=\"t m0 xe2 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[1.4\u2013 4.2]% </div></td></tr><tr><td class=\"c x2d9 y1e75 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Infl<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> (YoY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e76 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e76 wa5 hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.3%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e76 wbc hc3\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.1%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e76 wa5 hc3\"><div class=\"t m0 xd6 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2.1% </div></td></tr><tr><td class=\"c x2d9 y1e77 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e77 wa5 hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.9 - 3.7]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d7 y1e77 wbc hc3\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.7 - 3.5]%<span class=\"ffa\"> </span></div></td><td class=\"c x2d8 y1e77 wa5 hc3\"><div class=\"t m0 x84 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">[0.7 \u2013 3.5]% </div></td></tr><tr><td></td><td></td><td class=\"c x2d6 y1e78 wca hd0\"><div class=\"t m0 xf7 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">As of <span class=\"ls1 ws9b\">31 December 2024</span><span class=\"ls1 ws9b\"><span class=\"ws1\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x2d6 y1e79 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e79 wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2026<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e79 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2027 </div></td></tr><tr><td class=\"c x2d9 y1e7a wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Gross Dom<span class=\"_ _1\"></span>estic Produc<span class=\"_ _1\"></span>t, consta<span class=\"_ _1\"></span>nt prices (Y<span class=\"_ _1\"></span>oY)<span class=\"_ _1\"></span>*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e7b wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7b wa5 hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7b wbc hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7b wa5 hc3\"><div class=\"t m0 xe5 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.90% </div></td></tr><tr><td class=\"c x2d9 y1e7c wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7c wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7c wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7c wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.9 - 6.9]% </div></td></tr><tr><td class=\"c x2d9 y1e7d wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls2a ws99\">Unemployment rate (Y<span class=\"_ _1\"></span>oY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e7e wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7e wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7e wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7e wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">3.2% </div></td></tr><tr><td class=\"c x2d9 y1e7f wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e7f wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e7f wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e7f wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[1.8 - 4.6]% </div></td></tr><tr><td class=\"c x2d9 y1e80 wc9 hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Infl<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> (YoY)*<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2d9 y1e81 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">\u2018Base\u2019 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e81 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e81 wbc hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e81 wa5 hc3\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2.2% </div></td></tr><tr><td class=\"c x2d9 y1e82 wc9 hc3\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Range of f<span class=\"_ _1\"></span>orecasts f<span class=\"_ _1\"></span>or alternativ<span class=\"_ _1\"></span>e sc<span class=\"_ _1\"></span>enarios<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2d6 y1e82 wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d7 y1e82 wbc hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]%<span class=\"ffb\"> </span></div></td><td class=\"c x2d8 y1e82 wa5 hc3\"><div class=\"t m0 xe2 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">[0.8 - 3.6]% </div></td></tr><tr><td class=\"t m0 x2da h13 y1e83 ff1 fs5 fc0 sc0 ls5e ws8a\">*YoY = year on year %<span class=\"_ _1\"></span> change<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td></tr></table>The weightings<span class=\"_ _1\"></span> assigned<span class=\"_ _1\"></span> to each economic s<span class=\"_ _1\"></span>cenario wer<span class=\"_ _1\"></span>e 68% (2024: <span class=\"_ _1\"></span>68%) for the \u2018Bas<span class=\"_ _1\"></span>e\u2019 Scenario,<span class=\"_ _1\"></span> 16% (2024: 16%) for th<span class=\"_ _1\"></span>e \u2018Downs<span class=\"_ _1\"></span>ide\u2019 scenario a<span class=\"_ _1\"></span>nd 16% (2024: 1<span class=\"_ _1\"></span>6%) for the \u2018Ups<span class=\"_ _1\"></span>ide\u2019 scenario<span class=\"_ _1\"></span>. The number o<span class=\"_ _1\"></span>f scenarios used is based on the analysis of e<span class=\"_ _0\"></span>ach major p<span class=\"ls8 ws36\">roduct type t<span class=\"_ _0\"></span>o ensure t<span class=\"_ _0\"></span>hat non<span class=\"ls1 ws1\">-<span class=\"ls6 ws10\">linearities ar<span class=\"_ _1\"></span>e </span></span></span>captu<span class=\"_ _1\"></span>red. Th<span class=\"_ _1\"></span>e nu<span class=\"_ _1\"></span>mber of<span class=\"_ _1\"></span> scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> their a<span class=\"_ _1\"></span>ttrib<span class=\"_ _1\"></span>utes a<span class=\"_ _1\"></span>re reass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> at each<span class=\"_ _1\"></span> rep<span class=\"_ _1\"></span>orti<span class=\"_ _1\"></span>ng dat<span class=\"_ _1\"></span>e. The economic scenar<span class=\"_ _1\"></span>ios were sim<span class=\"_ _1\"></span>ulated ov<span class=\"_ _1\"></span>er a full economic cy<span class=\"_ _1\"></span>cle.<span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs the ma<span class=\"_ _0\"></span>cro<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">econom<span class=\"_ _1\"></span>ic for<span class=\"_ _1\"></span>ecast<span class=\"_ _1\"></span>s to rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span> its b<span class=\"_ _1\"></span>est es<span class=\"_ _1\"></span>timate o<span class=\"_ _1\"></span>f the po<span class=\"_ _1\"></span>ssib<span class=\"_ _1\"></span>le outc<span class=\"_ _1\"></span>omes </span></span>after<span class=\"_ _0\"></span> analysing i<span class=\"_ _0\"></span>ts differ<span class=\"_ _0\"></span>ent portfoli<span class=\"_ _0\"></span>os to establ<span class=\"_ _0\"></span>ish that the c<span class=\"_ _0\"></span>hosen sce<span class=\"_ _0\"></span>narios are appro<span class=\"_ _0\"></span>priatel<span class=\"_ _0\"></span>y repres<span class=\"_ _1\"></span>entat<span class=\"_ _1\"></span>ive of th<span class=\"_ _1\"></span>e range o<span class=\"_ _1\"></span>f po<span class=\"_ _1\"></span>ssib<span class=\"_ _1\"></span>le scena<span class=\"_ _1\"></span>rios<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The Ban<span class=\"_ _1\"></span>k\u2019s weig<span class=\"_ _1\"></span>hting<span class=\"_ _1\"></span>s tak<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>o accou<span class=\"_ _1\"></span>nt th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t perfor<span class=\"_ _1\"></span>mance o<span class=\"_ _1\"></span>f the Ma<span class=\"_ _1\"></span>ltese <span class=\"_ _1\"></span>econ<span class=\"_ _1\"></span>omy ov<span class=\"_ _1\"></span>er the forese<span class=\"_ _0\"></span>eable f<span class=\"_ _0\"></span>uture. The Bo<span class=\"_ _0\"></span>ard considers that<span class=\"_ _0\"></span> the proba<span class=\"_ _0\"></span>bilit<span class=\"_ _0\"></span>y weig<span class=\"_ _0\"></span>htings assig<span class=\"_ _0\"></span>ned to the re<span class=\"_ _0\"></span>spective scenarios refl<span class=\"_ _0\"></span>ect an unbiased evaluation of r<span class=\"_ _0\"></span>ange of possible<span class=\"_ _0\"></span><span class=\"ls1\"> <span class=\"ls5 ws7\">outco<span class=\"_ _1\"></span>mes. <span class=\"_ _1\"></span></span> </span>Based<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e abov<span class=\"_ _1\"></span>e, the <span class=\"_ _1\"></span>estima<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wanc<span class=\"_ _1\"></span>es as<span class=\"_ _1\"></span> of 31 De<span class=\"_ _1\"></span>cemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"_ _1\"></span> <span class=\"ls6 ws7\">and 202</span>4 <span class=\"_ _1\"></span><span class=\"ls8 ws16\">continued </span></span>to req<span class=\"_ _1\"></span>uire an<span class=\"_ _1\"></span> elevated<span class=\"_ _1\"></span> level o<span class=\"_ _1\"></span>f subj<span class=\"_ _1\"></span>ectivi<span class=\"_ _1\"></span>ty and exper<span class=\"_ _1\"></span>t jud<span class=\"_ _1\"></span>gement. Des<span class=\"_ _1\"></span>pite t<span class=\"_ _1\"></span>he reco<span class=\"_ _1\"></span>very i<span class=\"_ _1\"></span>n econo<span class=\"_ _1\"></span>mic conditions, <span class=\"_ _0\"></span>ECL e<span class=\"_ _0\"></span>stimate<span class=\"_ _0\"></span>s remain subje<span class=\"_ _0\"></span>ct to <span class=\"_ _0\"></span>a deg<span class=\"_ _0\"></span>ree of<span class=\"_ _0\"></span> economi<span class=\"_ _0\"></span>c unce<span class=\"_ _0\"></span>rtainty. I<span class=\"_ _0\"></span>n this re<span class=\"_ _0\"></span>spect, j<span class=\"_ _0\"></span>udgem<span class=\"_ _0\"></span>ents applied by<span class=\"_ _0\"></span> manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt in esti<span class=\"_ _0\"></span>mating<span class=\"_ _0\"></span> ECL<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">con<span class=\"_ _1\"></span>tinue t<span class=\"_ _1\"></span>o reflect a<span class=\"_ _1\"></span> degree of cau<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> both in<span class=\"_ _1\"></span> the determina<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> </span></span>of probability of def<span class=\"_ _0\"></span>aults for selection of economic scenarios and in terms of<span class=\"_ _0\"></span> the calibration o<span class=\"ls5 ws35\">f scen<span class=\"_ _1\"></span>ario </span>weightings.<span class=\"_ _bc\"> </span>Other fo<span class=\"_ _1\"></span>rwar<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7 ws29\">looking considerations not otherwise i<span class=\"_ _0\"></span>ncorporated within the above scenarios, such as the </span></span>impact of any<span class=\"_ _1\"></span> regulatory,<span class=\"_ _1\"></span> legislativ<span class=\"_ _1\"></span>e, or political ch<span class=\"_ _1\"></span>anges, have als<span class=\"_ _1\"></span>o been cons<span class=\"_ _1\"></span>idered, but<span class=\"_ _1\"></span> are not deemed<span class=\"_ _1\"></span> to have a mate<span class=\"_ _0\"></span>rial impact<span class=\"_ _0\"></span> and therefore<span class=\"_ _0\"></span> no ad<span class=\"ls8 ws11\">justment has<span class=\"_ _0\"></span> be<span class=\"_ _0\"></span>en made<span class=\"_ _0\"></span> to the EC<span class=\"_ _0\"></span>L for suc<span class=\"_ _11\"></span>h factors. This i<span class=\"_ _0\"></span>s </span>revie<span class=\"_ _0\"></span>wed and moni<span class=\"_ _0\"></span>tored f<span class=\"_ _0\"></span>or appropri<span class=\"_ _0\"></span>ateness on a<span class=\"_ _0\"></span>n ongoi<span class=\"_ _0\"></span>ng basis.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The out<span class=\"_ _1\"></span>come o<span class=\"_ _1\"></span>f the Ban<span class=\"_ _1\"></span>k\u2019s c<span class=\"_ _1\"></span>redit lo<span class=\"_ _1\"></span>ss a<span class=\"_ _1\"></span>llowan<span class=\"_ _1\"></span>ces esti<span class=\"_ _1\"></span>mati<span class=\"_ _1\"></span>on pro<span class=\"_ _1\"></span>cess i<span class=\"_ _1\"></span>s sens<span class=\"_ _1\"></span>itive to<span class=\"_ _1\"></span> judg<span class=\"_ _1\"></span>ements a<span class=\"_ _1\"></span>nd estima<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> made th<span class=\"_ _1\"></span>roug<span class=\"_ _1\"></span>h the refl<span class=\"_ _1\"></span>ectio<span class=\"_ _1\"></span>n of sev<span class=\"_ _1\"></span>eral for<span class=\"_ _1\"></span>ward<span class=\"ls1 ws1\">-<span class=\"ls7 ws5e\">looking economic conditions. Management has<span class=\"_ _0\"></span> </span></span>ass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> the sen<span class=\"_ _1\"></span>sitiv<span class=\"_ _1\"></span>ity of th<span class=\"_ _1\"></span>e Bank<span class=\"_ _1\"></span>\u2019s exp<span class=\"_ _1\"></span>ected cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\"> <span class=\"ls6 ws1d\">loss<span class=\"_ _1\"></span>es by as<span class=\"_ _1\"></span>signing a 100% weigh<span class=\"_ _1\"></span>ting to<span class=\"_ _1\"></span> the baselin<span class=\"_ _1\"></span>e, </span></span>downside a<span class=\"_ _0\"></span>nd upside sc<span class=\"_ _0\"></span>enari<span class=\"_ _0\"></span>os re<span class=\"_ _0\"></span>spective<span class=\"_ _0\"></span>ly. The<span class=\"_ _0\"></span> Bank\u2019s c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>s would <span class=\"_ _0\"></span>decre<span class=\"_ _0\"></span>ase by \u20ac2<span class=\"_ _0\"></span>.6 million (2024: \u20ac3.2 millio<span class=\"_ _1\"></span>n) if the allo<span class=\"_ _1\"></span>wances had to be calculated s<span class=\"_ _1\"></span>olely on the baseline s<span class=\"_ _1\"></span>cenario;<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls24 ws9\">ECLs </span></span>would increas<span class=\"_ _1\"></span>e by \u20ac0.8 m<span class=\"_ _1\"></span>illion<span class=\"_ _1\"></span> (2024: \u20ac1.1 mil<span class=\"_ _1\"></span>lion) if th<span class=\"_ _1\"></span>ese had<span class=\"_ _1\"></span> to be estimated u<span class=\"_ _1\"></span>sing o<span class=\"_ _1\"></span>nly the do<span class=\"_ _1\"></span>wnside scenario an<span class=\"_ _1\"></span>d would redu<span class=\"_ _1\"></span>ce by \u20ac4.0 million (2024: \u20ac<span class=\"_ _1\"></span>4.6 millio<span class=\"_ _1\"></span>n) if the ups<span class=\"_ _1\"></span>ide scenario o<span class=\"_ _1\"></span>nly were to be taken into conside<span class=\"_ _0\"></span>ration.<span class=\"_ _0\"></span> This dem<span class=\"_ _0\"></span>onstrates<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls6 ws52\">the Bank\u2019s res<span class=\"_ _1\"></span>ilience in ov<span class=\"_ _1\"></span>ercoming negat<span class=\"_ _1\"></span>ive shocks<span class=\"_ _1\"></span> and its<span class=\"_ _1\"></span> ability to<span class=\"_ _1\"></span> </span></span>absorb such a<span class=\"_ _0\"></span>llowanc<span class=\"_ _0\"></span>e chang<span class=\"_ _0\"></span>es, if<span class=\"_ _0\"></span> nece<span class=\"_ _0\"></span>ssary.<span class=\"ls1 ws1\"> </span>2.3.4.5 C<span class=\"_ _0\"></span>ategorisation of loans and advances to cu<span class=\"_ _0\"></span>stomers for<span class=\"_ _0\"></span> ECL measureme<span class=\"_ _0\"></span>nt<span class=\"ls1\"> </span>As pa<span class=\"_ _1\"></span>rt of th<span class=\"_ _1\"></span>e ECL mod<span class=\"_ _1\"></span>el, th<span class=\"_ _1\"></span>e Grou<span class=\"_ _1\"></span>p clas<span class=\"_ _1\"></span>sifies<span class=\"_ _1\"></span> its exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res to l<span class=\"_ _1\"></span>oans<span class=\"_ _1\"></span> and a<span class=\"_ _1\"></span>dvances<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers i<span class=\"_ _1\"></span>nto<span class=\"_ _1\"></span> homogeneous<span class=\"_ _1\"></span> groups with<span class=\"_ _1\"></span> similar cr<span class=\"_ _1\"></span>edit risk cha<span class=\"_ _1\"></span>racteristics th<span class=\"_ _1\"></span>at includ<span class=\"_ _1\"></span>e instrument ty<span class=\"_ _1\"></span>pe and credit ris<span class=\"_ _1\"></span>k gradings.<span class=\"_ _0\"></span> In this r<span class=\"_ _0\"></span>espect<span class=\"_ _0\"></span>, the G<span class=\"_ _0\"></span>roup conside<span class=\"_ _0\"></span>rs the<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">following<span class=\"_ _1\"></span> catego<span class=\"_ _1\"></span>ries fo<span class=\"_ _1\"></span>r ECL <span class=\"_ _1\"></span>measur<span class=\"_ _1\"></span>ement:</span> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws18\">personal po<span class=\"_ _0\"></span>rtfoli<span class=\"_ _0\"></span>o, whic<span class=\"_ _0\"></span>h includes loans and a<span class=\"_ _0\"></span>dvances to i<span class=\"_ _0\"></span>ndividual<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs such as mor<span class=\"_ _0\"></span>tgage<span class=\"_ _0\"></span>s, credi<span class=\"_ _0\"></span>t </span>cards and ot<span class=\"_ _0\"></span>her co<span class=\"_ _0\"></span>nsumer c<span class=\"_ _0\"></span>redit;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsb\">construct<span class=\"_ _0\"></span>ion and rea<span class=\"_ _0\"></span>l estate<span class=\"_ _0\"></span> port<span class=\"_ _0\"></span>folio, w<span class=\"_ _0\"></span>hich inc<span class=\"_ _0\"></span>ludes lo<span class=\"_ _0\"></span>ans and advance<span class=\"_ _0\"></span>s to cu<span class=\"_ _0\"></span>stomer<span class=\"_ _0\"></span>s in respe<span class=\"_ _0\"></span>ct of </span>financi<span class=\"_ _0\"></span>ng construc<span class=\"_ _0\"></span>tion of r<span class=\"_ _0\"></span>eal e<span class=\"_ _0\"></span>state proj<span class=\"_ _0\"></span>ects f<span class=\"_ _0\"></span>or the purpo<span class=\"_ _0\"></span>se of<span class=\"_ _0\"></span> re<span class=\"ls1 ws1\">-<span class=\"ls7\">sale or re<span class=\"_ _0\"></span>ntal; and<span class=\"ls1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 ws53\">corpora<span class=\"_ _0\"></span>te and com<span class=\"_ _0\"></span>mer<span class=\"_ _0\"></span>cial portf<span class=\"_ _0\"></span>olio, w<span class=\"_ _0\"></span>hich incl<span class=\"_ _0\"></span>udes loans a<span class=\"_ _0\"></span>nd advanc<span class=\"_ _0\"></span>es to b<span class=\"_ _0\"></span>usiness e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es, othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n </span>construction and real estate<span class=\"_ _0\"></span> rel<span class=\"_ _0\"></span>ated borrower<span class=\"_ _0\"></span>s. <span class=\"ls1\"> </span>2.3.5<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls5 ws6\">Maxi<span class=\"_ _1\"></span>mum exp<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>e to cred<span class=\"_ _1\"></span>it risk<span class=\"_ _1\"></span></span> </span>An \u2018exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>re\u2019 is defin<span class=\"_ _1\"></span>ed as the a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> at risk ari<span class=\"_ _1\"></span>sing fro<span class=\"_ _1\"></span>m the Group<span class=\"_ _1\"></span>\u2019s ass<span class=\"_ _1\"></span>ets and o<span class=\"_ _1\"></span>ff<span class=\"ls1 ws1\">-</span>balan<span class=\"_ _1\"></span>ce sheet<span class=\"_ _1\"></span> items. The Gro<span class=\"_ _1\"></span>up\u2019s<span class=\"_ _1\"></span> maximu<span class=\"_ _1\"></span>m cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k with<span class=\"_ _1\"></span> respec<span class=\"_ _1\"></span>t to on<span class=\"_ _1\"></span><span class=\"ls1 ws1\">- <span class=\"ls7 ws26\">and off</span>-<span class=\"ls6 ws1d\">balance sh<span class=\"_ _1\"></span>eet items ca<span class=\"_ _1\"></span>n be clas<span class=\"_ _1\"></span>sified into th<span class=\"_ _1\"></span>e </span></span>following cat<span class=\"_ _1\"></span>egories:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws85\">Financial as<span class=\"_ _1\"></span>sets recognis<span class=\"_ _1\"></span>ed on</span>-<span class=\"ls6 ws85\">balance sh<span class=\"_ _1\"></span>eet comprising prin<span class=\"_ _1\"></span>cipally ba<span class=\"_ _1\"></span>lances with Centr<span class=\"_ _1\"></span>al Bank of </span>Malta,<span class=\"ls1 ws1\">  <span class=\"ls6 ws87\">treasury bills,</span>  <span class=\"ls8 ws40\">financia<span class=\"_ _0\"></span>l investm<span class=\"_ _0\"></span>ents and loans an<span class=\"_ _0\"></span>d advance<span class=\"_ _0\"></span>s to banks and c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>ers. T<span class=\"_ _0\"></span>he </span></span>maximu<span class=\"_ _1\"></span>m expo<span class=\"_ _1\"></span>sure t<span class=\"_ _1\"></span>o credit<span class=\"_ _1\"></span> ris<span class=\"_ _1\"></span>k of thes<span class=\"_ _1\"></span>e finan<span class=\"_ _1\"></span>cial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> equals<span class=\"_ _1\"></span> their gr<span class=\"_ _1\"></span>oss c<span class=\"_ _1\"></span>arrying a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>ts.<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Docum<span class=\"_ _0\"></span>entary c<span class=\"_ _0\"></span>redits and g<span class=\"_ _0\"></span>uarantee<span class=\"_ _0\"></span> oblig<span class=\"_ _0\"></span>ations incur<span class=\"_ _0\"></span>red on beha<span class=\"_ _0\"></span>lf of<span class=\"_ _0\"></span> third parti<span class=\"_ _0\"></span>es. The<span class=\"_ _0\"></span> latter c<span class=\"_ _0\"></span>arry the<span class=\"_ _0\"></span> </span>same cr<span class=\"_ _0\"></span>edit r<span class=\"_ _0\"></span>isk as loans, whi<span class=\"_ _0\"></span>lst docum<span class=\"_ _0\"></span>entary c<span class=\"_ _0\"></span>redits ar<span class=\"_ _0\"></span>e coll<span class=\"_ _0\"></span>ateral<span class=\"_ _0\"></span>ised by the<span class=\"_ _0\"></span> underlyi<span class=\"_ _0\"></span>ng shipme<span class=\"_ _0\"></span>nts of<span class=\"_ _0\"></span> goods to whi<span class=\"_ _0\"></span>ch they re<span class=\"_ _0\"></span>late, and there<span class=\"_ _0\"></span>fore ca<span class=\"_ _0\"></span>rry <span class=\"ls7 wsa2\">less risk than a loan to a customer. The m<span class=\"_ _0\"></span>aximum </span>exposure<span class=\"_ _0\"></span> to cre<span class=\"_ _0\"></span>dit risk is<span class=\"_ _0\"></span> the f<span class=\"_ _0\"></span>ull amo<span class=\"_ _0\"></span>unt that t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up would have<span class=\"_ _0\"></span> to pay i<span class=\"_ _0\"></span>f the<span class=\"_ _0\"></span> guarant<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>s are ca<span class=\"_ _0\"></span>lled upon or if doc<span class=\"_ _0\"></span>ument<span class=\"_ _0\"></span>ary cre<span class=\"_ _0\"></span>dits are e<span class=\"_ _0\"></span>xerc<span class=\"_ _0\"></span>ised.<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 wse\">Loan c<span class=\"_ _1\"></span>ommitm<span class=\"_ _1\"></span>ents a<span class=\"_ _1\"></span>nd other<span class=\"_ _1\"></span> credit r<span class=\"_ _1\"></span>elated c<span class=\"_ _1\"></span>ommitm<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span> that ar<span class=\"_ _1\"></span>e irrevo<span class=\"_ _1\"></span>cable ov<span class=\"_ _1\"></span>er the l<span class=\"_ _1\"></span>ife of the </span>respec<span class=\"_ _1\"></span>tive faci<span class=\"_ _1\"></span>liti<span class=\"_ _1\"></span>es. The ma<span class=\"_ _1\"></span>ximu<span class=\"_ _1\"></span>m expos<span class=\"_ _1\"></span>ure to cr<span class=\"_ _1\"></span>edit ris<span class=\"_ _1\"></span>k is th<span class=\"_ _1\"></span>e full amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f the commi<span class=\"_ _1\"></span>tted fac<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span>. However<span class=\"_ _1\"></span>, the li<span class=\"_ _1\"></span>kely amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f loss is<span class=\"_ _1\"></span> less th<span class=\"_ _1\"></span>an the tota<span class=\"_ _1\"></span>l unused<span class=\"_ _1\"></span> commit<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>s mos<span class=\"_ _1\"></span>t commitmen<span class=\"_ _1\"></span>ts to extend c<span class=\"_ _0\"></span>redit<span class=\"_ _0\"></span> are co<span class=\"_ _0\"></span>ntingent upon custo<span class=\"_ _0\"></span>mers m<span class=\"_ _0\"></span>aintaini<span class=\"_ _0\"></span>ng spe<span class=\"_ _0\"></span>cifi<span class=\"_ _0\"></span>c credit sta<span class=\"_ _0\"></span>ndards. The<span class=\"_ _11\"></span>se exposures are mo<span class=\"_ _0\"></span>nitored i<span class=\"_ _0\"></span>n the same<span class=\"_ _0\"></span> manner i<span class=\"_ _0\"></span>n respec<span class=\"_ _0\"></span>t of loans a<span class=\"_ _0\"></span>nd advance<span class=\"_ _0\"></span>s.<span class=\"_ _bc\"> </span><table class=\"s w1f0 h1af\" id=\"_5680f250-d8fa-4690-8623-0bc5523966ac\"><tr><td class=\"t m0 x2dc h3 y1e84 ff1 fs1 fc0 sc0 ls8 ws15\">The Group\u2019<span class=\"_ _0\"></span>s credit<span class=\"_ _0\"></span> risk expo<span class=\"_ _0\"></span>sures rel<span class=\"_ _0\"></span>ating to o<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls7 ws26\">balance sheet assets and off</span>-<span class=\"ls5 ws16\">balance sh<span class=\"_ _1\"></span>eet in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span>, reflectin<span class=\"_ _1\"></span>g th<span class=\"_ _1\"></span>e maxi<span class=\"_ _1\"></span>mum exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>re to cr<span class=\"_ _1\"></span>edit r<span class=\"_ _1\"></span>isk<span class=\"_ _1\"></span> before co<span class=\"_ _1\"></span>llat<span class=\"_ _1\"></span>eral held<span class=\"_ _1\"></span> or</span></span><span class=\"ls1 ws1\"><span class=\"ls5 ws16\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x2dc h3 y1e85 ff1 fs1 fc0 sc0 ls8 wsa\">other cr<span class=\"_ _0\"></span>edit e<span class=\"_ _0\"></span>nhanceme<span class=\"_ _0\"></span>nts, include<span class=\"_ _0\"></span> the f<span class=\"_ _0\"></span>ollowi<span class=\"_ _0\"></span>ng:<span class=\"ls1 ws1\"> </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 class=\"c x2dd y1e86 wcf h96\"><div class=\"t m0 x25 h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td class=\"c x2de y1e86 wd0 h96\"><div class=\"t m0 x135 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Bank </div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x2dd y1e87 wd1 h97\"><div class=\"t m0 xf4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x2df y1e87 wd2 h97\"><div class=\"t m0 xf4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td></td><td class=\"c x2de y1e87 wd3 h97\"><div class=\"t m0 xf4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x2e0 y1e87 wba h97\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2dd y1e88 w54 h9e\"><div class=\"t m0 x35 h29 y979 ff3 fs8 fc0 sc0 ls4 ws0\">Gross<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e1 y1e88 wd4 h9e\"><div class=\"t m0 xd8 h29 y979 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2df y1e88 wd5 h9e\"><div class=\"t m0 xe5 h25 y979 ff1 fs8 fc0 sc0 ls4 ws0\">Gross<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e2 y1e88 wd5 h9e\"><div class=\"t m0 xd8 h25 y979 ff1 fs8 fc0 sc0 ls1 ws1\">ECL </div></td><td class=\"c x2de y1e88 w54 h9e\"><div class=\"t m0 x35 h29 y979 ff3 fs8 fc0 sc0 ls4 ws0\">Gross<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e3 y1e88 wd5 h9e\"><div class=\"t m0 x49 h29 y979 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e0 y1e88 w54 h9e\"><div class=\"t m0 xe5 h25 y979 ff1 fs8 fc0 sc0 ls4 ws0\">Gross<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2e4 y1e88 wd6 h9e\"><div class=\"t m0 x49 h25 y979 ff1 fs8 fc0 sc0 ls1 ws1\">ECL </div></td></tr><tr><td></td><td class=\"c x2dd y1e88 w54 h9e\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">exposure<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2e1 y1e88 wd4 h9e\"><div class=\"t m0 x7e h35 y3eb ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2df y1e88 wd5 h9e\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">exposure<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2e2 y1e88 wd5 h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2de y1e88 w54 h9e\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">exposure<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2e3 y1e88 wd5 h9e\"><div class=\"t m0 x7e h35 y3eb ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2e0 y1e88 w54 h9e\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">exposure<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2e4 y1e88 wd6 h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x2dd y1e89 w54 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2e1 y1e89 wd4 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2df y1e89 wd5 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e2 y1e89 wd5 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2de y1e89 w54 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2e3 y1e89 wd5 h96\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2e0 y1e89 w54 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e4 y1e89 wd6 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2e5 y1e8a wce hd4\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Cre<span class=\"_ _1\"></span>dit risk<span class=\"_ _1\"></span> exposure<span class=\"_ _1\"></span>s re<span class=\"_ _1\"></span>lating to o<span class=\"_ _1\"></span>n<span class=\"ls1 ws1\">-<span class=\"ws9b\">balance sheet assets:</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e8b wce hd5\"><div class=\"t m0 x84 h35 y3eb ff5 fs8 fc0 sc0 ls28 ws0\">Subje<span class=\"_ _1\"></span>ct to IFRS 9 expect<span class=\"_ _1\"></span>ed credit los<span class=\"_ _1\"></span>s allowance<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e8c wce hd5\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets meas<span class=\"_ _1\"></span>ured at a<span class=\"_ _1\"></span>mortised co<span class=\"_ _1\"></span>st:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e8d wce hac\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Balances with Central B<span class=\"_ _1\"></span>ank of Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e8e wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">    <span class=\"ls29 ws98\">and treas<span class=\"_ _1\"></span>ury bills<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2dd y1e8e w54 hd5\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,922<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e8e wd4 hd5\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e8e wd5 hd5\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e8e wd5 hd5\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e8e w54 hd5\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e8e wd5 hd5\"><div class=\"t m0 x37 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e8e w54 hd5\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e8e wd6 hd5\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2e5 y1e8f wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Cheques i<span class=\"_ _1\"></span>n course of c<span class=\"_ _1\"></span>ollectio<span class=\"_ _1\"></span>n<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e8f w54 hd5\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">150<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e8f wd4 hd5\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e8f wd5 hd5\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">266<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e8f wd5 hd5\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e8f w54 hd5\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">150<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e8f wd5 hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e8f w54 hd5\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">266<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e8f wd6 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2e5 y1e90 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Debt securities<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e90 w54 hd5\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e90 wd4 hd5\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e90 wd5 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e90 wd5 hd5\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(25)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e90 w54 hd5\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e90 wd5 hd5\"><div class=\"t m0 xcd h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(13<span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2e0 y1e90 w54 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e90 wd6 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(25) </div></td></tr><tr><td class=\"c x2e5 y1e91 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"_ _bc\"> </span></div></td><td class=\"c x2dd y1e91 w54 hd5\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">62,426<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e1 y1e91 wd4 hd5\"><div class=\"t m0 x125 h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(3)<span class=\"_ _bc\"> </span></div></td><td class=\"c x2df y1e91 wd5 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">46,198<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e2 y1e91 wd5 hd5\"><div class=\"t m0 x125 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(9)<span class=\"_ _bc\"> </span></div></td><td class=\"c x2de y1e91 w54 hd5\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,939<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e3 y1e91 wd5 hd5\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(3)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2e0 y1e91 w54 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,973<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e4 y1e91 wd6 hd5\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(9) </div></td></tr><tr><td class=\"c x2e5 y1e92 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e7 y1e94 w1f1 h1b0\"><div class=\"t m12 x26e hb3 y1e93 ff9 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div><div class=\"t m0 x2e6 h25 y1e93 ff1 fs8 fc0 sc0 ls6a ws1\">Corporate and commercial<span class=\"_ _bc\"> </span></div></td><td class=\"c x2dd y1e95 w54 hac\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">608,846<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e95 wd4 hac\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(6,773)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e95 wd5 hac\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">594,777<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e95 wd5 hac\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,486)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e95 w54 hac\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">608,846<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e95 wd5 hac\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(6,773)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e95 w54 hac\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">594,777<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e95 wd6 hac\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,486) </div></td></tr><tr><td class=\"c x2e7 y1e96 w1f2 h1b0\"><div class=\"t m12 x26e hb3 y1e93 ff9 fs8 fc0 sc0 ls1 ws1\">\u2022<span class=\"_ _bc\"> </span></div><div class=\"t m0 x2e6 h25 y1e93 ff1 fs8 fc0 sc0 ls4 ws0\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x2dd y1e97 w54 hd5\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">327,621<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e97 wd4 hd5\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(58<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2df y1e97 wd5 hd5\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">286,325<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e97 wd5 hd5\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(934)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e97 w54 hd5\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">327,630<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e97 wd5 hd5\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(58<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2e0 y1e97 w54 hd5\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">286,333<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e97 wd6 hd5\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(934) </div></td></tr><tr><td class=\"c x2e5 y1e98 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Trade and o<span class=\"_ _1\"></span>ther rec<span class=\"_ _1\"></span>eivabl<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e98 w54 hd5\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,690<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e98 wd4 hd5\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(26<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2df y1e98 wd5 hd5\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">13,182<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e98 wd5 hd5\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(203)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e98 w54 hd5\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">7,2<span class=\"ls1 ws1\">38</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x2e3 y1e98 wd5 hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e98 w54 hd5\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,443<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e98 wd6 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2e5 y1e99 wce hd5\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Accrued i<span class=\"_ _1\"></span>ncome a<span class=\"_ _1\"></span>nd other a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e99 w54 hd5\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,611<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e99 wd4 hd5\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e99 wd5 hd5\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,884<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e99 wd5 hd5\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e99 w54 hd5\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,584<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e99 wd5 hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e99 w54 hd5\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,855<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e99 wd6 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2e5 y1e9a wce hd6\"><div class=\"t m0 x10 h25 yf47 ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at FVO<span class=\"_ _1\"></span>CI <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e9a w54 hd6\"><div class=\"t m0 x80 h35 yf47 ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e9a wd4 hd6\"><div class=\"t m0 xd6 h35 yf47 ff3 fs8 fc0 sc0 ls29 ws9a\">(2<span class=\"ls1 ws1\">19</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2df y1e9a wd5 hd6\"><div class=\"t m0 x80 h25 yf47 ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e9a wd5 hd6\"><div class=\"t m0 xd6 h25 yf47 ff1 fs8 fc0 sc0 ls1 ws1\">(224)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e9a w54 hd6\"><div class=\"t m0 x80 h35 yf47 ff3 fs8 fc0 sc0 ls1 ws1\">168,955<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e9a wd5 hd6\"><div class=\"t m0 xd6 h35 yf47 ff3 fs8 fc0 sc0 ls29 ws9a\">(2<span class=\"ls1 ws1\">19</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2e0 y1e9a w54 hd6\"><div class=\"t m0 x80 h25 yf47 ff1 fs8 fc0 sc0 ls1 ws1\">176,696<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e9a wd6 hd6\"><div class=\"t m0 xd6 h25 yf47 ff1 fs8 fc0 sc0 ls1 ws1\">(224) </div></td></tr><tr><td class=\"c x2e5 y1e9b wce h96\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Cre<span class=\"_ _1\"></span>dit risk<span class=\"_ _1\"></span> exposure<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e9b w54 h96\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,399,134<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e9b wd4 h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(7,854)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e9b wd5 h96\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,291,464<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e9b wd5 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(8,881)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e9b w54 h96\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,381,166<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e9b wd5 h96\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(7,591)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e9b w54 h96\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,274,347<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e9b wd6 h96\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(8,678) </div></td></tr><tr><td class=\"c x2e5 y1e9c wce hd5\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Cre<span class=\"_ _1\"></span>dit risk<span class=\"_ _1\"></span> exposure<span class=\"_ _1\"></span> rela<span class=\"_ _1\"></span>ting to o<span class=\"_ _1\"></span>ff<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">balance</span></span><span class=\"ls1 ws1\"><span class=\"ls28 ws99\"> <span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e9d wce hd5\"><div class=\"t m0 x84 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">    <span class=\"ls28 ws0\">sheet instr<span class=\"_ _1\"></span>uments:<span class=\"_ _bc\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2e5 y1e9e wce hd8\"><div class=\"t m0 x84 h25 y9fd ff1 fs8 fc0 sc0 ls28 ws0\">Contingent lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e9e w54 hd8\"><div class=\"t m0 x113 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">22,055<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e9e wd4 hd8\"><div class=\"t m0 x49 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e9e wd5 hd8\"><div class=\"t m0 x113 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">19,827<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e9e wd5 hd8\"><div class=\"t m0 x49 h25 y9fd ff1 fs8 fc0 sc0 ls3 ws114\">(1<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x2de y1e9e w54 hd8\"><div class=\"t m0 x113 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">22,055<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e9e wd5 hd8\"><div class=\"t m0 xcd h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e9e w54 hd8\"><div class=\"t m0 x113 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">19,827<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e9e wd6 hd8\"><div class=\"t m0 xcd h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">(12) </div></td></tr><tr><td class=\"c x2e5 y1e9f wce hd9\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Undrawn c<span class=\"_ _1\"></span>ommitm<span class=\"_ _1\"></span>ents to<span class=\"_ _1\"></span> lend<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2dd y1e9f w54 hd9\"><div class=\"t m0 x80 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">355,682<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1e9f wd4 hd9\"><div class=\"t m0 x49 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">(22)<span class=\"ffa\"> </span></div></td><td class=\"c x2df y1e9f wd5 hd9\"><div class=\"t m0 x80 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">291,647<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1e9f wd5 hd9\"><div class=\"t m0 x49 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">(71)<span class=\"ffb\"> </span></div></td><td class=\"c x2de y1e9f w54 hd9\"><div class=\"t m0 x80 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">356,793<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1e9f wd5 hd9\"><div class=\"t m0 xcd h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">(22)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1e9f w54 hd9\"><div class=\"t m0 x80 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">292,754<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1e9f wd6 hd9\"><div class=\"t m0 xcd h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">(71) </div></td></tr><tr><td class=\"c x2e5 y1ea0 wce hd5\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Cre<span class=\"_ _1\"></span>dit risk<span class=\"_ _1\"></span> exposure<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2dd y1ea0 w54 hd5\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">377,737<span class=\"ffa\"> </span></div></td><td class=\"c x2e1 y1ea0 wd4 hd5\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(3<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x2df y1ea0 wd5 hd5\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">311,474<span class=\"ffb\"> </span></div></td><td class=\"c x2e2 y1ea0 wd5 hd5\"><div class=\"t m0 x49 h25 y829 ff1 fs8 fc0 sc0 ls3 ws114\">(8<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x2de y1ea0 w54 hd5\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">378,848<span class=\"ffa\"> </span></div></td><td class=\"c x2e3 y1ea0 wd5 hd5\"><div class=\"t m0 xcd h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(33)<span class=\"ffa\"> </span></div></td><td class=\"c x2e0 y1ea0 w54 hd5\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">312,581<span class=\"ffb\"> </span></div></td><td class=\"c x2e4 y1ea0 wd6 hd5\"><div class=\"t m0 x49 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(83) </div></td></tr></table>Accrued income substantially <span class=\"_ _0\"></span>arises from<span class=\"_ _0\"></span> loans and advances to c<span class=\"_ _0\"></span>ustomers.<span class=\"ls1\"> </span>2.3.6<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Credit concen<span class=\"_ _1\"></span>tration ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\"> </span></span>Within the<span class=\"_ _0\"></span> Bank, conc<span class=\"_ _0\"></span>entration ri<span class=\"_ _0\"></span>sk of losse<span class=\"_ _0\"></span>s results f<span class=\"_ _0\"></span>rom ina<span class=\"_ _0\"></span>dequate di<span class=\"_ _0\"></span>versif<span class=\"_ _0\"></span>ication of t<span class=\"_ _0\"></span>he credit exposure<span class=\"_ _0\"></span>s. This ri<span class=\"_ _0\"></span>sk is m<span class=\"_ _0\"></span>anaged by ac<span class=\"_ _0\"></span>tive<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asuring, r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> and monit<span class=\"_ _0\"></span>oring on<span class=\"_ _0\"></span> a reg<span class=\"_ _0\"></span>ular and o<span class=\"_ _0\"></span>ngoing<span class=\"_ _0\"></span> basis<span class=\"_ _1\"></span> risk concent<span class=\"_ _1\"></span>ration levels <span class=\"_ _1\"></span>agains<span class=\"_ _1\"></span>t reasonab<span class=\"_ _1\"></span>le <span class=\"ls8 ws13\">threshol<span class=\"_ _0\"></span>ds for<span class=\"_ _0\"></span> industry sec<span class=\"_ _0\"></span>tors, counte<span class=\"_ _0\"></span>rpartie<span class=\"_ _0\"></span>s, products,<span class=\"_ _0\"></span> </span>and colla<span class=\"_ _1\"></span>teral types.<span class=\"ls1 ws1\"> </span>Credit concentr<span class=\"_ _0\"></span>ation ris<span class=\"_ _0\"></span>k by industr<span class=\"_ _0\"></span>y sector<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup and Bank\u2019<span class=\"_ _0\"></span>s fina<span class=\"_ _0\"></span>ncia<span class=\"_ _0\"></span>l investm<span class=\"_ _0\"></span>ents me<span class=\"_ _0\"></span>asured at<span class=\"_ _0\"></span> FVO<span class=\"_ _0\"></span>CI, e<span class=\"_ _0\"></span>xcluding<span class=\"_ _0\"></span> equity inve<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents, are<span class=\"_ _0\"></span> anal<span class=\"_ _0\"></span>ysed by industry se<span class=\"_ _0\"></span>ctor i<span class=\"_ _0\"></span>n the f<span class=\"_ _0\"></span>ollow<span class=\"_ _0\"></span>ing tabl<span class=\"_ _0\"></span>e:<span class=\"ls1 ws1\"> </span><table class=\"s w1f3 h1b1\" id=\"_5db53eab-4b12-469d-be2f-6bc8ae3cacc6\"><tr><td></td><td></td><td class=\"c x2e9 y1ea1 wda hbc\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">               <span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\">Group</span><span class=\"ffb ws1\"> </span></div></td><td></td><td class=\"c x2ea y1ea1 wc7 hbc\"><div class=\"t m0 x22 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                <span class=\"ws1\">Bank </span></div></td></tr><tr><td></td><td class=\"c x2e9 y1ea2 wdb hdb\"><div class=\"t m0 x11e h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x2eb y1ea2 wa5 hdb\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea2 wdc hdb\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2ec y1ea2 w59 hdb\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2e9 y1ea3 wdb hbc\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2eb y1ea3 wa5 hbc\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ea y1ea3 wdc hbc\"><div class=\"t m0 xd7 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ec y1ea3 w59 hbc\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2ed y1ea4 wd9 hbc\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Government<span class=\"_ _bc\"> </span></div></td><td class=\"c x2e9 y1ea4 wdb hbc\"><div class=\"t m0 xd8 h29 y179 ff3 fs8 fc0 sc0 ls1 ws1\">145,416<span class=\"_ _bc\"> </span></div></td><td class=\"c x2eb y1ea4 wa5 hbc\"><div class=\"t m0 x113 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">147,232<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea4 wdc hbc\"><div class=\"t m0 xd4 h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">144,339<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea4 w59 hbc\"><div class=\"t m0 x33 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">146,029 </div></td></tr><tr><td class=\"c x2ed y1ea5 wd9 hdb\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Corporate<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2ed y1ea6 wd9 h95\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls6b ws111\">Touri<span class=\"_ _0\"></span>sm<span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x2e9 y1ea6 wdb h95\"><div class=\"t m0 xf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">229<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ea6 wa5 h95\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">425<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea6 wdc h95\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">185<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea6 w59 h95\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">382 </div></td></tr><tr><td class=\"c x2ed y1ea7 wd9 h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls29 ws98\">Property<span class=\"_ _1\"></span> and const<span class=\"_ _1\"></span>ructio<span class=\"_ _1\"></span>n</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e9 y1ea7 wdb h96\"><div class=\"t m0 xf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">908<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ea7 wa5 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">918<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea7 wdc h96\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">563<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea7 w59 h96\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">569 </div></td></tr><tr><td class=\"c x2ed y1ea8 wd9 h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e9 y1ea8 wdb h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">21,602<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ea8 wa5 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,415<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea8 wdc h97\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">21,058<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea8 w59 h97\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">26,878 </div></td></tr><tr><td class=\"c x2ed y1ea9 wd9 h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Other secto<span class=\"_ _1\"></span>rs </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2e9 y1ea9 wdb h96\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,810<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ea9 wa5 h96\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,838<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ea9 wdc h96\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,810<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1ea9 w59 h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,838 </div></td></tr><tr><td class=\"c x2ed y1eaa wd9 h94\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross financial investments measured at FVOCI<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2e9 y1eaa wdb h94\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eaa wa5 h94\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eaa wdc h94\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">168,955<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eaa w59 h94\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">176,696 </div></td></tr></table>The Group and B<span class=\"_ _0\"></span>ank\u2019s fi<span class=\"_ _0\"></span>nanci<span class=\"_ _0\"></span>al investm<span class=\"_ _0\"></span>ents me<span class=\"_ _0\"></span>asured at<span class=\"_ _0\"></span> amorti<span class=\"_ _0\"></span>sed cost are<span class=\"_ _0\"></span> analysed by<span class=\"_ _0\"></span> industry <span class=\"_ _0\"></span>secto<span class=\"_ _0\"></span>r in the following tab<span class=\"_ _1\"></span>le:<span class=\"ls1 ws1\"> </span><table class=\"s w1f3 h1b2\" id=\"_fa71dc22-b0c4-488e-a272-cd89b2bc1a5a\"><tr><td></td><td class=\"c x2ea y1eab wc7 hab\"><div class=\"t m0 x7d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">               <span class=\"ls28 ws0\"></span><span class=\"ls28 ws0\">Group and Bank</span><span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x2ea y1eac wdc hdd\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2ec y1eac w59 hdd\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2ea y1ead wdc hab\"><div class=\"t m0 xd7 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ec y1ead w59 hab\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2ed y1eae wd9 hab\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Government<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2ea y1eae wdc hab\"><div class=\"t m0 x22 h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">25,600<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eae w59 hab\"><div class=\"t m0 x22 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">14,875 </div></td></tr><tr><td class=\"c x2ed y1eaf wd9 hbc\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Corporate<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x2ed y1eb0 wd9 h94\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls6b ws111\">Touri<span class=\"_ _0\"></span>sm<span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x2ea y1eb0 wdc h94\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">270<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eb0 w59 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">72 </div></td></tr><tr><td class=\"c x2ed y1eb1 wd9 h95\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ea y1eb1 wdc h95\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7,733<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eb1 w59 h95\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,884 </div></td></tr><tr><td class=\"c x2ed y1eb2 wd9 h94\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Other secto<span class=\"_ _1\"></span>rs </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ea y1eb2 wdc h94\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">300<span class=\"ffa\"> </span></div></td><td class=\"c x2ec y1eb2 w59 h94\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">301 </div></td></tr><tr><td class=\"c x270 y1eb3 w1f4 h1b3\"><div class=\"t m0 x26e h29 y1e31 ff3 fs8 fc0 sc0 ls1 ws9b\">Gross financial investments measured at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x2ee h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws9b\">amortised cost<span class=\"_ _bc\"> </span></div></td><td class=\"t m0 x2ef h35 y1eb4 ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></td><td class=\"t m0 x2f0 h25 y1eb4 ff1 fs8 fc0 sc0 ls1 ws1\">21,132 </td></tr></table>The <span class=\"ws134\">i<span class=\"_ _0\"></span>ndust<span class=\"_ _0\"></span>ry sec<span class=\"_ _0\"></span>tor anal<span class=\"_ _0\"></span>ysis o<span class=\"_ _0\"></span>f the<span class=\"_ _0\"></span> Group an<span class=\"_ _0\"></span>d Bank\u2019s<span class=\"_ _11\"></span> loans and adva<span class=\"_ _0\"></span>nces<span class=\"_ _0\"></span> to cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span> (gross<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> </span>expected<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it losses) is describ<span class=\"_ _1\"></span>ed in the follow<span class=\"_ _1\"></span>ing table:<span class=\"fs1 ls1 ws1\"> </span><table class=\"s w1f5 h1b4\" id=\"_95f338e9-2ebf-44a6-8e58-9eb0c1e709ab\"><tr><td></td><td></td><td class=\"c x2f1 y1eb5 wc8 hab\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">               <span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\">Group</span><span class=\"ffb ws1\"> </span></div></td><td></td><td class=\"c x2ea y1eb5 wc7 hab\"><div class=\"t m0 x22 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                <span class=\"ws1\">Bank </span></div></td></tr><tr><td></td><td class=\"c x2f1 y1eb6 wbc hab\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eb6 wa5 hab\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eb6 wbc hab\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2f2 y1eb6 wa7 hab\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2f1 y1eb7 wbc hdd\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2eb y1eb7 wa5 hdd\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ea y1eb7 wbc hdd\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f2 y1eb7 wa7 hdd\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2ed y1eb8 wdd h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Manufac<span class=\"_ _1\"></span>turing<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1eb8 wbc h97\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">14,544<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eb8 wa5 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">10,976<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eb8 wbc h97\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">14,544<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1eb8 wa7 h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">10,976 </div></td></tr><tr><td class=\"c x2ed y1eb9 wdd h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Touris<span class=\"_ _0\"></span>m<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1eb9 wbc h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">81,329<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eb9 wa5 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">63,810<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eb9 wbc h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">81,329<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1eb9 wa7 h96\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">63,810 </div></td></tr><tr><td class=\"c x2ed y1eba wdd h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Trade<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1eba wbc h97\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">50,865<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1eba wa5 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,497<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1eba wbc h97\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">50,865<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1eba wa7 h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,497 </div></td></tr><tr><td class=\"c x2ed y1ebb wdd h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Propert<span class=\"_ _1\"></span>y and const<span class=\"_ _1\"></span>ructio<span class=\"_ _1\"></span>n<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1ebb wbc h96\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">294,792<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebb wa5 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">296,231<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebb wbc h96\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">294,792<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebb wa7 h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">296,231 </div></td></tr><tr><td class=\"c x2ed y1ebc wdd h95\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Persona<span class=\"_ _1\"></span>l, profess<span class=\"_ _1\"></span>ional<span class=\"_ _1\"></span> and hom<span class=\"_ _1\"></span>e loans<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1ebc wbc h95\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">349,674<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebc wa5 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">297,582<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebc wbc h95\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">349,683<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebc wa7 h95\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">297,590 </div></td></tr><tr><td class=\"c x2ed y1ebd wdd h94\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1ebd wbc h94\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">128,952<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebd wa5 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">144,022<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebd wbc h94\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">128,952<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebd wa7 h94\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">144,022 </div></td></tr><tr><td class=\"c x2ed y1ebe wdd h95\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Other sectors<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f1 y1ebe wbc h95\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,311<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebe wa5 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">16,984<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebe wbc h95\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,311<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebe wa7 h95\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">16,984 </div></td></tr><tr><td class=\"c x2ed y1ebf wdd h97\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross loans and advances to customers<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2f1 y1ebf wbc h97\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">936,467<span class=\"ffa\"> </span></div></td><td class=\"c x2eb y1ebf wa5 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">881,102<span class=\"ffb\"> </span></div></td><td class=\"c x2ea y1ebf wbc h97\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">936,476<span class=\"ffa\"> </span></div></td><td class=\"c x2f2 y1ebf wa7 h97\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">881,110 </div></td></tr></table>A significant<span class=\"_ _1\"></span> portion <span class=\"ls7 ws1\">of the Bank\u2019s loans and advances to cu<span class=\"_ _0\"></span>stomers com<span class=\"_ _0\"></span>prise exposures to cor<span class=\"_ _0\"></span>porates.<span class=\"ls1\"> </span></span>As at 31 D<span class=\"_ _0\"></span>ecembe<span class=\"_ _0\"></span>r 2025 and 2<span class=\"_ _0\"></span>024, no<span class=\"_ _0\"></span> loans and adva<span class=\"_ _0\"></span>nces<span class=\"_ _0\"></span> to custome<span class=\"_ _0\"></span>rs we<span class=\"_ _0\"></span>re deeme<span class=\"_ _0\"></span>d to be prohi<span class=\"_ _0\"></span>bited large exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res, p<span class=\"_ _1\"></span>rior to any<span class=\"_ _1\"></span> eligible ex<span class=\"_ _1\"></span>emptio<span class=\"_ _1\"></span>ns, in<span class=\"_ _1\"></span> accor<span class=\"_ _1\"></span>dance with<span class=\"_ _1\"></span> the req<span class=\"_ _1\"></span>uirement<span class=\"_ _1\"></span>s of Pa<span class=\"_ _1\"></span>rt Fou<span class=\"_ _1\"></span>r: Large Expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span>, of the CRR<span class=\"_ _1\"></span>. A limited<span class=\"_ _1\"></span> numb<span class=\"_ _1\"></span>er of cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls7 ws26\">account for<span class=\"_ _0\"></span> a certain per<span class=\"_ _0\"></span>centage of<span class=\"_ _0\"></span> the Bank\u2019s loans<span class=\"_ _0\"></span> </span></span>and advances. W<span class=\"_ _0\"></span>hilst no<span class=\"_ _0\"></span> indivi<span class=\"_ _0\"></span>dual custom<span class=\"_ _0\"></span>er or g<span class=\"_ _0\"></span>roup of de<span class=\"_ _0\"></span>pendent c<span class=\"_ _0\"></span>ustome<span class=\"_ _0\"></span>rs is considere<span class=\"_ _0\"></span>d by manag<span class=\"_ _1\"></span>ement a<span class=\"_ _1\"></span>s a sign<span class=\"_ _1\"></span>ificant<span class=\"_ _1\"></span> concentr<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of credi<span class=\"_ _1\"></span>t risk<span class=\"_ _1\"></span> in the con<span class=\"_ _1\"></span>text of th<span class=\"_ _1\"></span>e CRR, th<span class=\"_ _1\"></span>ese expo<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> are monit<span class=\"_ _1\"></span><span class=\"ls8 wsa\">ored and r<span class=\"_ _0\"></span>eporte<span class=\"_ _0\"></span>d more fr<span class=\"_ _0\"></span>equentl<span class=\"_ _0\"></span>y and rigor<span class=\"_ _0\"></span>ously.<span class=\"ls1 ws1\"> </span></span>Credit concentr<span class=\"_ _0\"></span>ation ris<span class=\"_ _0\"></span>k by geographical<span class=\"_ _0\"></span> region<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup also m<span class=\"_ _0\"></span>onitors cr<span class=\"_ _0\"></span>edit conce<span class=\"_ _0\"></span>ntration r<span class=\"_ _0\"></span>isk by geo<span class=\"_ _0\"></span>graphi<span class=\"_ _0\"></span>cal re<span class=\"_ _0\"></span>gion. T<span class=\"_ _0\"></span>he majori<span class=\"_ _0\"></span>ty of the G<span class=\"_ _0\"></span>roup\u2019s exposure<span class=\"_ _0\"></span>s are in M<span class=\"_ _0\"></span>alta in view of<span class=\"_ _0\"></span> the Group\u2019s le<span class=\"_ _0\"></span>nding ope<span class=\"_ _0\"></span>rations be<span class=\"_ _0\"></span>ing conduc<span class=\"_ _0\"></span>ted wi<span class=\"_ _0\"></span>th Maltese <span class=\"ls5 ws7\">customers<span class=\"_ _1\"></span><span class=\"ls72 wsee\">. </span></span>Moreove<span class=\"_ _0\"></span>r, the si<span class=\"_ _0\"></span>gnificant<span class=\"_ _0\"></span> part of the<span class=\"_ _0\"></span> Group i<span class=\"_ _0\"></span>nvestments in de<span class=\"_ _0\"></span>bt secur<span class=\"_ _0\"></span>ities ar<span class=\"_ _0\"></span>e issued by l<span class=\"_ _0\"></span>ocal go<span class=\"_ _0\"></span>vernme<span class=\"_ _0\"></span>nt and loca<span class=\"_ _1\"></span>l corporate entit<span class=\"_ _1\"></span>ies.<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup and Bank\u2019s <span class=\"_ _0\"></span>balanc<span class=\"_ _0\"></span>es with c<span class=\"_ _0\"></span>orre<span class=\"_ _0\"></span>spondent ba<span class=\"_ _0\"></span>nks in <span class=\"_ _0\"></span>diff<span class=\"_ _0\"></span>erent juri<span class=\"_ _0\"></span>sdictions ar<span class=\"_ _0\"></span>e spl<span class=\"_ _0\"></span>it by g<span class=\"_ _0\"></span>eogra<span class=\"_ _0\"></span>phical region as s<span class=\"_ _1\"></span>hown in th<span class=\"_ _1\"></span>e following table:<span class=\"ls1 ws1\"> </span><table class=\"s w1f6 h1b5\" id=\"_60052bf6-7fb4-4089-8499-4757f54cc231\"><tr><td></td><td></td><td class=\"c x2f4 y1ec0 wc8 hdf\"><div class=\"t m0 x26 he0 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">               <span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\">Group</span><span class=\"ffa fs14 ws1\"> </span></div></td><td></td><td class=\"c x2f5 y1ec0 wc8 hdf\"><div class=\"t m0 xd7 he1 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">                <span class=\"ws1\">Bank<span class=\"fs14\"> </span></span></div></td></tr><tr><td></td><td class=\"c x2f4 y1ec1 w54 hd8\"><div class=\"t m0 xd7 he0 y94f ff3 fs14 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec1 wd5 hd8\"><div class=\"t m0 xd7 hdc y94f ff1 fs14 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec1 wd5 hd8\"><div class=\"t m0 xd7 he1 y94f ff3 fs14 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x2f7 y1ec1 w54 hd8\"><div class=\"t m0 x49 hdc y94f ff1 fs14 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x2f4 y1ec2 w54 he2\"><div class=\"t m0 x26 he0 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa fs14 ws1\"> </span></div></td><td class=\"c x2f6 y1ec2 wd5 he2\"><div class=\"t m0 x26 he3 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb fs14 ws1\"> </span></div></td><td class=\"c x2f5 y1ec2 wd5 he2\"><div class=\"t m0 x26 he3 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb fs14 ws1\"> </span></div></td><td class=\"c x2f7 y1ec2 w54 he2\"><div class=\"t m0 xd8 hdc y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"fs14 ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1ec3 wde ha5\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls75 ws135\">Spain<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec3 w54 ha5\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">3,756<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec3 wd5 ha5\"><div class=\"t m0 x1d h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">14,481<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec3 wd5 ha5\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,756<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec3 w54 ha5\"><div class=\"t m0 xd7 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">14,481 </div></td></tr><tr><td class=\"c x2f8 y1ec4 wde ha6\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls76 ws136\">Germany<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec4 w54 ha6\"><div class=\"t m0 x1d h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">19,892<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec4 wd5 ha6\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3,455<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec4 wd5 ha6\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">19,892<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec4 w54 ha6\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3,455 </div></td></tr><tr><td class=\"c x2f8 y1ec5 wde ha4\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls73 ws133\">Irela<span class=\"_ _0\"></span>nd<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec5 w54 ha4\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">9,605<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec5 wd5 ha4\"><div class=\"t m0 x1d h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">10,884<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec5 wd5 ha4\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,605<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec5 w54 ha4\"><div class=\"t m0 xd7 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">10,884 </div></td></tr><tr><td class=\"c x2f8 y1ec6 wde ha4\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls74 ws137\">Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec6 w54 ha4\"><div class=\"t m0 x1d h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">20,597<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec6 wd5 ha4\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">5,230<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec6 wd5 ha4\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">14,111<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec6 w54 ha4\"><div class=\"t m0 xf h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x2f8 y1ec7 wde ha6\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls75 ws138\">Unit<span class=\"_ _1\"></span>ed States<span class=\"_ _1\"></span> of Amer<span class=\"_ _1\"></span>ica<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec7 w54 ha6\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">2,457<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec7 wd5 ha6\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3,213<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec7 wd5 ha6\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">2,457<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec7 w54 ha6\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3,213 </div></td></tr><tr><td class=\"c x2f8 y1ec8 wde ha5\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls74 ws135\">United<span class=\"_ _1\"></span> Kingdom<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec8 w54 ha5\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">1,347<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ec8 wd5 ha5\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">4,377<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec8 wd5 ha5\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,347<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec8 w54 ha5\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">4,377 </div></td></tr><tr><td class=\"c x2f8 y1ec9 wde ha4\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls74 ws137\">Italy<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ec9 w54 ha4\"><div class=\"t m0 x26 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">2,838<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f6 y1ec9 wd5 ha4\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">2,153<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ec9 wd5 ha4\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">2,838<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ec9 w54 ha4\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">2,153 </div></td></tr><tr><td class=\"c x2f8 y1eca wde ha6\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls74 ws137\">Belgium<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1eca w54 ha6\"><div class=\"t m0 x49 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">433<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1eca wd5 ha6\"><div class=\"t m0 x49 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">478<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1eca wd5 ha6\"><div class=\"t m0 x49 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">433<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1eca w54 ha6\"><div class=\"t m0 x27 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">478 </div></td></tr><tr><td class=\"c x2f8 y1ecb wde ha4\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls75 ws135\">Switzer<span class=\"_ _1\"></span>land<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ecb w54 ha4\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">1,479<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ecb wd5 ha4\"><div class=\"t m0 x26 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">1,924<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ecb wd5 ha4\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,479<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ecb w54 ha4\"><div class=\"t m0 xd8 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">1,924 </div></td></tr><tr><td class=\"c x2f8 y1ecc wde ha5\"><div class=\"t m0 xd hdc y8d0 ff1 fs14 fc0 sc0 ls75 ws135\">Other<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ecc w54 ha5\"><div class=\"t m0 x125 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">22<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ecc wd5 ha5\"><div class=\"t m0 x6b h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ecc wd5 ha5\"><div class=\"t m0 x125 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">21<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ecc w54 ha5\"><div class=\"t m0 xf h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x2f8 y1ecd wde ha6\"><div class=\"t m0 x14b he0 y8d0 ff3 fs14 fc0 sc0 ls1 ws1\"> <span class=\"ls77 ws139\">Gros<span class=\"_ _1\"></span>s loans<span class=\"_ _1\"></span> and adva<span class=\"_ _1\"></span>nces to<span class=\"_ _1\"></span> banks<span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></div></td><td class=\"c x2f4 y1ecd w54 ha6\"><div class=\"t m0 x1d h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">62,426<span class=\"ffa\"> </span></div></td><td class=\"c x2f6 y1ecd wd5 ha6\"><div class=\"t m0 x1d h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">46,198<span class=\"ffb\"> </span></div></td><td class=\"c x2f5 y1ecd wd5 ha6\"><div class=\"t m0 x1d h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">55,939<span class=\"ffa\"> </span></div></td><td class=\"c x2f7 y1ecd w54 ha6\"><div class=\"t m0 xd7 h25 y99e ff1 fs8 fc0 sc0 ls1 ws1\">40,973 </div></td></tr></table>2.3.7<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Informat<span class=\"_ _0\"></span>ion on cre<span class=\"_ _0\"></span>dit qualit<span class=\"_ _0\"></span>y of balanc<span class=\"_ _0\"></span>es wit<span class=\"_ _0\"></span>h banks, inve<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents and tre<span class=\"_ _0\"></span>asury bill<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span></span>The G<span class=\"_ _0\"></span>roup holds debt<span class=\"_ _0\"></span> instrum<span class=\"_ _0\"></span>ents that a<span class=\"_ _0\"></span>re issue<span class=\"_ _0\"></span>d by lo<span class=\"_ _0\"></span>cal g<span class=\"_ _0\"></span>overnme<span class=\"_ _0\"></span>nt, loc<span class=\"_ _0\"></span>al banks and othe<span class=\"_ _0\"></span>r local<span class=\"_ _0\"></span> corporate ent<span class=\"_ _1\"></span>ities. All such<span class=\"_ _1\"></span> securities ar<span class=\"_ _1\"></span>e listed on th<span class=\"_ _1\"></span>e Malta Stock Ex<span class=\"_ _1\"></span>change, which is<span class=\"_ _1\"></span> currently the on<span class=\"_ _1\"></span>ly locally<span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">based Recog<span class=\"_ _0\"></span>nised Inve<span class=\"_ _0\"></span>stment Ex<span class=\"_ _0\"></span>change (<span class=\"_ _0\"></span>\u2018RIE\u2019)<span class=\"_ _0\"></span>. The ot<span class=\"_ _0\"></span>her debt<span class=\"_ _0\"></span> securi<span class=\"_ _0\"></span>ties hel<span class=\"_ _0\"></span>d by the<span class=\"_ _0\"></span> Group, i<span class=\"_ _0\"></span>ssued </span></span>by for<span class=\"_ _1\"></span>eign gov<span class=\"_ _1\"></span>ernment<span class=\"_ _1\"></span>s an<span class=\"_ _1\"></span>d entities,<span class=\"_ _1\"></span> are lis<span class=\"_ _1\"></span>ted on other<span class=\"_ _1\"></span> recognis<span class=\"_ _1\"></span>ed excha<span class=\"_ _1\"></span>nges.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws33\">The B<span class=\"_ _0\"></span>ank acquire<span class=\"_ _0\"></span>s de<span class=\"_ _0\"></span>bt </span></span>securit<span class=\"_ _0\"></span>ies and sim<span class=\"_ _0\"></span>ilar inst<span class=\"_ _0\"></span>ruments i<span class=\"_ _0\"></span>ssued by counte<span class=\"_ _0\"></span>rpart<span class=\"_ _0\"></span>ies having<span class=\"_ _0\"></span> strong f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> background.<span class=\"_ _0\"></span> Th<span class=\"ls5 ws7\">ese </span>issuers are<span class=\"_ _0\"></span> approved and r<span class=\"_ _0\"></span>egular<span class=\"_ _0\"></span>ly revi<span class=\"_ _0\"></span>ewed consi<span class=\"_ _0\"></span>dering<span class=\"_ _0\"></span> the process pre<span class=\"_ _0\"></span>viously hig<span class=\"_ _0\"></span>hlighte<span class=\"_ _0\"></span>d, foc<span class=\"_ _0\"></span>using on market d<span class=\"_ _1\"></span>evelop<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s. <span class=\"ls1 ws1\"> </span>Within its dai<span class=\"_ _0\"></span>ly ope<span class=\"_ _0\"></span>rations t<span class=\"_ _0\"></span>he B<span class=\"_ _0\"></span>ank transacts<span class=\"_ _0\"></span> wit<span class=\"_ _0\"></span>h banks and<span class=\"_ _0\"></span> other f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l instituti<span class=\"_ _0\"></span>ons. T<span class=\"_ _0\"></span>he Bank pr<span class=\"_ _0\"></span>imari<span class=\"_ _0\"></span>ly places sh<span class=\"_ _1\"></span>ort<span class=\"ls1 ws1\">-<span class=\"ls8 ws17\">term f<span class=\"_ _0\"></span>unds with pr<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\">-</span>approve<span class=\"_ _0\"></span>d banks subje<span class=\"_ _0\"></span>ct t<span class=\"_ _0\"></span>o limi<span class=\"_ _0\"></span>ts in place<span class=\"_ _0\"></span> and subjec<span class=\"_ _0\"></span>t to the<span class=\"_ _0\"></span> respe<span class=\"_ _0\"></span>ctive </span></span>institu<span class=\"_ _1\"></span>tion\u2019s credit ra<span class=\"_ _1\"></span>ting bein<span class=\"_ _1\"></span>g within<span class=\"ls1 ws1\"> <span class=\"ls8 ws15\">controlle<span class=\"_ _0\"></span>d parame<span class=\"_ _0\"></span>ters. By conducti<span class=\"_ _0\"></span>ng these<span class=\"_ _0\"></span> transactio<span class=\"_ _0\"></span>ns the Bank i<span class=\"_ _0\"></span>s </span></span>running the<span class=\"_ _0\"></span> risk of l<span class=\"_ _0\"></span>osing funds due<span class=\"_ _0\"></span> to the possi<span class=\"_ _0\"></span>ble del<span class=\"_ _0\"></span>ays in the re<span class=\"_ _0\"></span>payment to t<span class=\"_ _0\"></span>he Bank of the<span class=\"_ _0\"></span> existi<span class=\"_ _0\"></span>ng and future o<span class=\"_ _0\"></span>bligati<span class=\"_ _0\"></span>ons of the counte<span class=\"_ _0\"></span>rparty bank<span class=\"_ _0\"></span>s. Actual e<span class=\"_ _0\"></span>xposur<span class=\"_ _0\"></span>es are<span class=\"_ _0\"></span> monitored a<span class=\"ls6 ws23\">gainst the limits<span class=\"_ _1\"></span> on a daily<span class=\"_ _1\"></span> </span>basis and in a real<span class=\"ls1\">-<span class=\"ls5 ws6\">time man<span class=\"_ _1\"></span>ner.<span class=\"_ _1\"></span> The cr<span class=\"_ _1\"></span>edit s<span class=\"_ _1\"></span>tatu<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e pre</span>-<span class=\"ls8 wsa\">authorised banks is m<span class=\"_ _0\"></span>onitore<span class=\"_ _0\"></span>d on an ongoing<span class=\"_ _0\"></span> </span></span>basis. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank runs the r<span class=\"_ _0\"></span>isk of loss of f<span class=\"_ _0\"></span>unds due to the<span class=\"_ _0\"></span> possible<span class=\"_ _0\"></span> politi<span class=\"_ _0\"></span>cal, e<span class=\"_ _0\"></span>conomic and other<span class=\"_ _0\"></span> events i<span class=\"_ _0\"></span>n a particul<span class=\"_ _0\"></span>ar country<span class=\"_ _0\"></span> whe<span class=\"_ _0\"></span>re funds h<span class=\"_ _0\"></span>ave be<span class=\"_ _0\"></span>en plac<span class=\"_ _0\"></span>ed or<span class=\"_ _0\"></span> inves<span class=\"_ _0\"></span>ted wi<span class=\"_ _0\"></span>th severa<span class=\"_ _0\"></span>l counte<span class=\"_ _0\"></span>rparti<span class=\"_ _0\"></span>es. C<span class=\"_ _0\"></span>ountries ar<span class=\"_ _0\"></span>e assessed according to t<span class=\"_ _0\"></span>heir size<span class=\"_ _0\"></span>, economic<span class=\"_ _0\"></span> data and<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls6 wsd\">prospects, a<span class=\"_ _1\"></span>nd their credit ratin<span class=\"_ _1\"></span>gs from internation<span class=\"_ _1\"></span>al </span></span>rating agencies<span class=\"_ _1\"></span>. Existin<span class=\"_ _1\"></span>g country credit risk expos<span class=\"_ _1\"></span>ures are monitored an<span class=\"_ _1\"></span>d reviewed periodically. The Ban<span class=\"_ _1\"></span>k\u2019s assets are pre<span class=\"_ _0\"></span>dominantly in <span class=\"_ _0\"></span>Malta. The<span class=\"_ _0\"></span> Bank\u2019s exposures <span class=\"_ _0\"></span>to other countrie<span class=\"_ _0\"></span>s are m<span class=\"_ _0\"></span>ainly limite<span class=\"ls8 ws56\">d t<span class=\"_ _0\"></span>o bank </span>balances<span class=\"_ _1\"></span> and money mark<span class=\"_ _1\"></span>et placements with a<span class=\"_ _1\"></span> total carrying amount<span class=\"_ _1\"></span> of \u20ac41,828,000 (2024: \u20ac40,96<span class=\"_ _1\"></span>8,000)<span class=\"_ _1\"></span> at the e<span class=\"_ _0\"></span>nd of the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> perio<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span>At the e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> reporti<span class=\"_ _0\"></span>ng period, none<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span>se fina<span class=\"_ _0\"></span>ncial asse<span class=\"_ _0\"></span>ts menti<span class=\"_ _0\"></span>oned we<span class=\"_ _0\"></span>re past due<span class=\"_ _0\"></span> or im<span class=\"_ _0\"></span>paired.<span class=\"ls1 ws1\"> </span>The follo<span class=\"_ _1\"></span>wing<span class=\"_ _1\"></span> tables<span class=\"_ _1\"></span> set ou<span class=\"_ _1\"></span>t info<span class=\"_ _1\"></span>rmatio<span class=\"_ _1\"></span>n abo<span class=\"_ _1\"></span>ut th<span class=\"_ _1\"></span>e credit q<span class=\"_ _1\"></span>ualit<span class=\"_ _1\"></span>y of fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets of the Ba<span class=\"_ _1\"></span>nk meas<span class=\"_ _1\"></span>ured<span class=\"_ _1\"></span> at amortised cost<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span><span class=\"ws4e\">and<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 ws17\">financial investm<span class=\"_ _0\"></span>ents at F<span class=\"_ _0\"></span>VOCI excluding e<span class=\"_ _0\"></span>quity inve<span class=\"_ _0\"></span>stments.<span class=\"_ _0\"></span> The credit qual<span class=\"_ _0\"></span>ity of </span></span></span>financial as<span class=\"_ _1\"></span>sets is bas<span class=\"_ _1\"></span>ed on <span class=\"ls5 ws7\">external<span class=\"_ _1\"></span> <span class=\"_ _10\"> </span></span>credit ra<span class=\"_ _1\"></span>tings ass<span class=\"_ _1\"></span>igned to issu<span class=\"_ _1\"></span>ers or counterpa<span class=\"_ _1\"></span>rties by recognised external ratin<span class=\"_ _1\"></span>g agencies:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><table class=\"s w1f7 h1b6\" id=\"_c215070e-e5b4-472c-86ed-35878134998e\"><tr><td></td><td></td><td class=\"c x2f9 y1ece we0 h96\"><div class=\"t m0 x135 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x2f9 y1ecf we1 he5\"><div class=\"t m0 xd7 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></div></td><td class=\"c x2fa y1ecf w59 he5\"><div class=\"t m0 xdb h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x2fb y1ecf w59 he5\"><div class=\"t m0 x90 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x2fc h29 y1ed0 ff3 fs8 fc0 sc0 ls1 ws1\">12-month </td><td class=\"t m0 x2fd h29 y1ed0 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2fe h29 y1ed0 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f9 y1ecf we1 he5\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2fa y1ecf w59 he5\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2fb y1ecf w59 he5\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x2ff y1ecf we2 he5\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x2f9 y1ed1 we1 h96\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2fa y1ed1 w59 h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2fb y1ed1 w59 h96\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x2ff y1ed1 we2 h96\"><div class=\"t m0 xb5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1ed2 wdf h9e\"><div class=\"t m0 x10 h29 y979 ff3 fs8 fc0 sc0 ls1 ws9b\">Balances with Central Bank of Malta and treasury </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y1ed2 wdf h9e\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">bills at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y1ed3 wdf h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f9 y1ed3 we1 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921<span class=\"ffa\"> </span></div></td><td class=\"c x2fa y1ed3 w59 h96\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2fb y1ed3 w59 h96\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2ff y1ed3 we2 h96\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921 </div></td></tr><tr><td class=\"c x2b9 y1ed4 wdf h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f9 y1ed4 we1 h95\"><div class=\"t m0 x10d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2fa y1ed4 w59 h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2fb y1ed4 w59 h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2ff y1ed4 we2 h95\"><div class=\"t m0 x8f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y1ed5 wdf h95\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Carrying amount <span class=\"ws1\">\u2013 <span class=\"ls4 ws9a\">net of loss a<span class=\"_ _1\"></span>llowance</span></span><span class=\"ws1\"><span class=\"ls4 ws9a\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x2f9 y1ed5 we1 h95\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921<span class=\"ffa\"> </span></div></td><td class=\"c x2fa y1ed5 w59 h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2fb y1ed5 w59 h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x2ff y1ed5 we2 h95\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">174,921 </div></td></tr></table><table class=\"s w1f8 h1b7\" id=\"_6fc366f5-0578-4eab-b754-06316a874ef0\"><tr><td></td><td></td><td class=\"c x2f9 y1ed6 we0 h95\"><div class=\"t m0 x135 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x2f9 y1ed7 we1 he6\"><div class=\"t m0 xd7 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x2fa y1ed7 w59 he6\"><div class=\"t m0 x80 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x2fb y1ed7 w59 he6\"><div class=\"t m0 x90 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x2fc h25 y1ed8 ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span> </td><td class=\"t m0 x2fd h25 y1ed8 ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x2fe h25 y1ed8 ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f9 y1ed7 we1 he6\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x2fa y1ed7 w59 he6\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x2fb y1ed7 w59 he6\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x2ff y1ed7 we2 he6\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x2f9 y1ed9 we1 h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2fa y1ed9 w59 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2fb y1ed9 w59 h97\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x2ff y1ed9 we2 h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y1eda wdf h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls6a ws1\">Balances with Centr<span class=\"_ _0\"></span>al Bank of Malta and treasury </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y1eda wdf h9e\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">bills at amo<span class=\"_ _1\"></span>rtised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y1edb wdf h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f9 y1edb we1 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x2fa y1edb w59 h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2fb y1edb w59 h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2ff y1edb we2 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872 </div></td></tr><tr><td class=\"c x2b9 y1edc wdf h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f9 y1edc we1 h96\"><div class=\"t m0 x10d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2fa y1edc w59 h96\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2fb y1edc w59 h96\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2ff y1edc we2 h96\"><div class=\"t m0 x10d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y1edd wdf h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t <span class=\"ls1\">\u2013 <span class=\"ls28 ws0\">net of<span class=\"_ _1\"></span> loss allowa<span class=\"_ _1\"></span>nce</span></span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f9 y1edd we1 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x2fa y1edd w59 h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2fb y1edd w59 h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x2ff y1edd we2 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">146,872 </div></td></tr></table>The credi<span class=\"_ _1\"></span>t ratin<span class=\"_ _1\"></span>g of th<span class=\"_ _1\"></span>e Govern<span class=\"_ _1\"></span>ment of Ma<span class=\"_ _1\"></span>lta as<span class=\"_ _1\"></span> at 31 Dece<span class=\"_ _1\"></span>mber 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 <span class=\"_ _15\"> </span><span class=\"ls6 ws65\">and 202</span>4  </span>was cons<span class=\"_ _1\"></span>idered as \u2018investm<span class=\"_ _0\"></span>ent grade<span class=\"_ _0\"></span>\u2019 and <span class=\"ls5 ws7\">the <span class=\"_ _15\"> </span><span class=\"ls6 ws37\">loss allowa<span class=\"_ _1\"></span>nce in respect of ba<span class=\"_ _1\"></span>lances with th<span class=\"_ _1\"></span>e Central Bank<span class=\"_ _1\"></span> of Malta<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls1b ws6\">and </span></span></span></span>treasury<span class=\"_ _1\"></span> bills<span class=\"ls1 ws1\"> </span><span class=\"ls5\">was<span class=\"_ _1\"></span> </span><span class=\"ws8\">insignificant<span class=\"_ _1\"></span><span class=\"ls1 ws1\">. </span></span><table class=\"s w1f9 h1b8\" id=\"_55afcf35-09b4-47fd-a261-1c9315e12140\"><tr><td></td><td></td><td class=\"c x301 y1ede we4 h97\"><div class=\"t m0 x25 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> 2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x301 y1edf we5 he6\"><div class=\"t m0 x10b h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></div></td><td class=\"c x302 y1edf w5b he6\"><div class=\"t m0 x80 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x303 y1edf we6 he6\"><div class=\"t m0 x80 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x304 h29 y1ee0 ff3 fs8 fc0 sc0 ls1 ws1\">12-month </td><td class=\"t m0 x305 h29 y1ee0 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x306 h29 y1ee0 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"_ _bc\"> </span></td><td></td></tr><tr><td></td><td class=\"c x301 y1edf we5 he6\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x302 y1edf w5b he6\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x303 y1edf we6 he6\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x307 y1edf we7 he6\"><div class=\"t m0 xd4 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x301 y1ee1 we5 h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x302 y1ee1 w5b h97\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x303 y1ee1 we6 h97\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x307 y1ee1 we7 h97\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x308 y1ee2 we3 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at FVOCI<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1ee3 we3 h95\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ee3 we5 h95\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,818<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee3 w5b h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee3 we6 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee3 we7 h95\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,818 </div></td></tr><tr><td class=\"c x308 y1ee4 we3 h94\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ee4 we5 h94\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">143,779<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee4 w5b h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee4 we6 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee4 we7 h94\"><div class=\"t m0 x7e h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">143,779 </div></td></tr><tr><td class=\"c x308 y1ee5 we3 h95\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6f ws113\">BBB+ to BBB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ee5 we5 h95\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">9,600<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee5 w5b h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee5 we6 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee5 we7 h95\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">9,600 </div></td></tr><tr><td class=\"c x308 y1ee6 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1ee6 we5 h94\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">9,758<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee6 w5b h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee6 we6 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee6 we7 h94\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">9,758 </div></td></tr><tr><td class=\"c x308 y1ee7 we3 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Carrying amount <span class=\"ws1\">\u2013 <span class=\"ls27 ws97\">fair v<span class=\"_ _1\"></span>alue</span></span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ee7 we5 h96\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">168,955<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ee7 w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee7 we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee7 we7 h96\"><div class=\"t m0 x7e h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">168,955 </div></td></tr><tr><td class=\"c x308 y1ee8 we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1ee8 we5 h97\"><div class=\"t m0 x8f h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(2<span class=\"ls1 ws1\">19</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x302 y1ee8 w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ee8 we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ee8 we7 h97\"><div class=\"t m0 xcb h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(2<span class=\"ls1 ws1\">19</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x308 y1ee9 we3 h97\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1eea we3 h96\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1eea we5 h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7,912<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eea w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eea we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eea we7 h96\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7,912 </div></td></tr><tr><td class=\"c x308 y1eeb we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1eeb we5 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">24,157<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eeb w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eeb we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eeb we7 h97\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">24,157<span class=\"ff1\"> </span></div></td></tr><tr><td class=\"c x308 y1eec we3 h96\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x301 y1eec we5 h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,834<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eec w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eec we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eec we7 h96\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,834 </div></td></tr><tr><td class=\"c x308 y1eed we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1eed we5 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eed w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eed we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eed we7 h97\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903 </div></td></tr><tr><td class=\"c x308 y1eee we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1eee we5 h96\"><div class=\"t m0 xce h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13)<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eee w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eee we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eee we7 h96\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13) </div></td></tr><tr><td class=\"c x308 y1eef we3 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Carrying amount <span class=\"ws1\">\u2013 <span class=\"ls4 ws9a\">net of loss a<span class=\"_ _1\"></span>llowance</span></span><span class=\"ws1\"><span class=\"ls4 ws9a\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1eef we5 h96\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1eef w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1eef we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1eef we7 h96\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890 </div></td></tr><tr><td class=\"c x308 y1ef0 we3 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to banks at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1ef1 we3 h97\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ef1 we5 h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,466<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef1 w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef1 we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef1 we7 h97\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,466 </div></td></tr><tr><td class=\"c x308 y1ef2 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x301 y1ef2 we5 h96\"><div class=\"t m0 x69 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">35,037<span class=\"_ _bc\"> </span></div></td><td class=\"c x302 y1ef2 w5b h96\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x303 y1ef2 we6 h96\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-</div></td><td class=\"c x307 y1ef2 we7 h96\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">35,037 </div></td></tr><tr><td class=\"c x308 y1ef3 we3 h97\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6f ws113\">BBB+ to BBB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ef3 we5 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,949<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef3 w5b h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef3 we6 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef3 we7 h97\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,949 </div></td></tr><tr><td class=\"c x308 y1ef4 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Low<span class=\"_ _1\"></span>er than BB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1ef4 we5 h96\"><div class=\"t m0 x14 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef4 w5b h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef4 we6 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef4 we7 h96\"><div class=\"t m0 x49 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7 </div></td></tr><tr><td class=\"c x308 y1ef5 we3 h95\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x301 y1ef5 we5 h95\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">1,4<span class=\"ls1 ws1\">75</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x302 y1ef5 w5b h95\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef5 we6 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef5 we7 h95\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">1,4<span class=\"ls1 ws1\">80</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x308 y1ef6 we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1ef6 we5 h95\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,934<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef6 w5b h95\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef6 we6 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef6 we7 h95\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,939 </div></td></tr><tr><td class=\"c x308 y1ef7 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1ef7 we5 h94\"><div class=\"t m0 x14e h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(3)<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef7 w5b h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef7 we6 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef7 we7 h94\"><div class=\"t m0 xb5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> (3) </div></td></tr><tr><td class=\"c x308 y1ef8 we3 h94\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Carrying amount <span class=\"ws1\">\u2013 <span class=\"ls4 ws9a\">net of loss a<span class=\"_ _1\"></span>llowance</span></span><span class=\"ws1\"><span class=\"ls4 ws9a\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x301 y1ef8 we5 h94\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,931<span class=\"ffa\"> </span></div></td><td class=\"c x302 y1ef8 w5b h94\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x303 y1ef8 we6 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x307 y1ef8 we7 h94\"><div class=\"t m0 xf3 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,936 </div></td></tr></table>Unrate<span class=\"_ _0\"></span>d debt sec<span class=\"_ _0\"></span>uritie<span class=\"_ _0\"></span>s primarily r<span class=\"_ _0\"></span>epre<span class=\"_ _0\"></span>sent bonds liste<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> Malta S<span class=\"_ _0\"></span>tock Exc<span class=\"_ _0\"></span>hange w<span class=\"_ _0\"></span>hich are<span class=\"_ _0\"></span> unrated by intern<span class=\"_ _1\"></span>ational credit<span class=\"_ _1\"></span> rating agencies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><table class=\"s w1fa h1b9\" id=\"_8dbba6d7-d5fb-46f3-9a02-3ae7b6162654\"><tr><td></td><td></td><td class=\"c x301 y1ef9 we4 h95\"><div class=\"t m0 x25 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> 2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x301 y1efa we5 hec\"><div class=\"t m0 x10b h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x302 y1efa w5b hec\"><div class=\"t m0 x80 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x303 y1efa we6 hec\"><div class=\"t m0 x80 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x304 h25 y1efb ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span> </td><td class=\"t m0 x305 h25 y1efb ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x306 h25 y1efb ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _bc\"> </span></td><td></td></tr><tr><td></td><td class=\"c x301 y1efa we5 hec\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"_ _bc\"> </span></div></td><td class=\"c x302 y1efa w5b hec\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"_ _bc\"> </span></div></td><td class=\"c x303 y1efa we6 hec\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1efa we7 hec\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x301 y1efc we5 h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x302 y1efc w5b h95\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x303 y1efc we6 h95\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x307 y1efc we7 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x308 y1efd we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at FVO<span class=\"_ _1\"></span>CI<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1efe we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1efe we5 h95\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">11,423<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1efe w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1efe we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1efe we7 h95\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">11,423 </div></td></tr><tr><td class=\"c x308 y1eff we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1eff we5 h94\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">144,140<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1eff w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1eff we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1eff we7 h94\"><div class=\"t m0 x7e h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">144,140 </div></td></tr><tr><td class=\"c x308 y1f00 we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws113\">BBB+ to BBB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f00 we5 h95\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,312<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f00 w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f00 we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f00 we7 h95\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,312 </div></td></tr><tr><td class=\"c x308 y1f01 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f01 we5 h94\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,821<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f01 w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f01 we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f01 we7 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,821 </div></td></tr><tr><td class=\"c x308 y1f02 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t <span class=\"ls1\">\u2013 <span class=\"ls28 ws0\">fair valu<span class=\"_ _1\"></span>e</span></span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f02 we5 h96\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">176,696<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f02 w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f02 we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f02 we7 h96\"><div class=\"t m0 x7e h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">176,696 </div></td></tr><tr><td class=\"c x308 y1f03 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f03 we5 h96\"><div class=\"t m0 x8f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(224)<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f03 w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f03 we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f03 we7 h96\"><div class=\"t m0 xcb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(224) </div></td></tr><tr><td class=\"c x308 y1f04 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at amo<span class=\"_ _1\"></span>rtised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1f05 we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f05 we5 h97\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,480<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f05 w5b h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f05 we6 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f05 we7 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,480 </div></td></tr><tr><td class=\"c x308 y1f06 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f06 we5 h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,015<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f06 w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f06 we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f06 we7 h96\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,015 </div></td></tr><tr><td class=\"c x308 y1f07 we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f07 we5 h97\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,637<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f07 w5b h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f07 we6 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f07 we7 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,637 </div></td></tr><tr><td class=\"c x308 y1f08 we3 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f08 we5 h97\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f08 w5b h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f08 we6 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f08 we7 h97\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132 </div></td></tr><tr><td class=\"c x308 y1f09 we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f09 we5 h96\"><div class=\"t m0 xce h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(25)<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f09 w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f09 we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f09 we7 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(25) </div></td></tr><tr><td class=\"c x308 y1f0a we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t <span class=\"ls1\">\u2013 <span class=\"ls28 ws0\">net of<span class=\"_ _1\"></span> loss allowa<span class=\"_ _1\"></span>nce</span></span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0a we5 h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0a w5b h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0a we6 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0a we7 h96\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107 </div></td></tr><tr><td class=\"c x308 y1f0b we3 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks at am<span class=\"_ _1\"></span>ortised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1f0c we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">AAA to AA<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"_ _1\"></span><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0c we5 h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,215<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0c w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0c we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0c we7 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,215 </div></td></tr><tr><td class=\"c x308 y1f0d we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">A+ to A<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0d we5 h94\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">34,141<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0d w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0d we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0d we7 h94\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">34,141 </div></td></tr><tr><td class=\"c x308 y1f0e we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws113\">BBB+ to BBB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0e we5 h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,153<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0e w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0e we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0e we7 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,153 </div></td></tr><tr><td class=\"c x308 y1f0f we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Low<span class=\"_ _1\"></span>er than BB<span class=\"ls1 ws1\">-</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f0f we5 h94\"><div class=\"t m0 x14 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f0f w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f0f we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f0f we7 h94\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1 </div></td></tr><tr><td class=\"c x308 y1f10 we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Unrated<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f10 we5 h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,463<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f10 w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f10 we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f10 we7 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,463 </div></td></tr><tr><td class=\"c x308 y1f11 we3 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f11 we5 h95\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,973<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f11 w5b h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f11 we6 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f11 we7 h95\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,973 </div></td></tr><tr><td class=\"c x308 y1f12 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x301 y1f12 we5 h94\"><div class=\"t m0 x106 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(9)<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f12 w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f12 we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f12 we7 h94\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> (9) </div></td></tr><tr><td class=\"c x308 y1f13 we3 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t <span class=\"ls1\">\u2013 <span class=\"ls28 ws0\">net of<span class=\"_ _1\"></span> loss allowa<span class=\"_ _1\"></span>nce</span></span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x301 y1f13 we5 h94\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,964<span class=\"ffb\"> </span></div></td><td class=\"c x302 y1f13 w5b h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x303 y1f13 we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x307 y1f13 we7 h94\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">40,964 </div></td></tr></table><span class=\"ls6 ws7\">As at 31 Dece<span class=\"_ _1\"></span>mber 202</span>5 <span class=\"ls6 ws7\">and<span class=\"_ _1\"></span> 202</span>4<span class=\"ls5 ws6\">, ther<span class=\"_ _1\"></span>e were n<span class=\"_ _1\"></span>o pu<span class=\"_ _1\"></span>rchas<span class=\"_ _1\"></span>ed credi<span class=\"_ _1\"></span>t</span>-<span class=\"ls5 ws6\">impair<span class=\"_ _1\"></span>ed as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span>.</span>  After th<span class=\"_ _1\"></span>e end of t<span class=\"_ _1\"></span>he repo<span class=\"_ _1\"></span>rting p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span> there were n<span class=\"_ _1\"></span>o sign<span class=\"_ _1\"></span>ificant<span class=\"_ _1\"></span> chan<span class=\"_ _1\"></span>ges in c<span class=\"_ _1\"></span>redit ra<span class=\"_ _1\"></span>tings refl<span class=\"_ _1\"></span>ected in<span class=\"_ _1\"></span> the tables ab<span class=\"_ _1\"></span>ove which ha<span class=\"_ _1\"></span>ve a material impact o<span class=\"_ _1\"></span>n the credit qu<span class=\"_ _1\"></span>ality of the fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>ets.<span class=\"ls1 ws1\"> </span>2.3.8<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls7\">Information on credit<span class=\"_ _0\"></span> quality of loans and advances to cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>rs <span class=\"ls1\"> </span></span></span>The Bank manage<span class=\"_ _0\"></span>s the credit quali<span class=\"_ _0\"></span>ty of its loan<span class=\"_ _0\"></span>s and advan<span class=\"_ _0\"></span>ces to customer<span class=\"_ _0\"></span>s by using int<span class=\"_ _0\"></span>ernal risk grade<span class=\"_ _0\"></span>s, which prov<span class=\"_ _1\"></span>ide a progress<span class=\"_ _1\"></span>ively increasing ris<span class=\"_ _1\"></span>k profile rangin<span class=\"_ _1\"></span>g from \u2018P1\u2019 (best q<span class=\"_ _1\"></span>uality, less ri<span class=\"_ _1\"></span>sky) to \u2018NP\u2019. These risk grades are<span class=\"_ _0\"></span> an essential<span class=\"_ _0\"></span> tool f<span class=\"_ _0\"></span>o<span class=\"ls8 ws7a\">r the Ba<span class=\"_ _0\"></span>nk to<span class=\"_ _0\"></span> identi<span class=\"_ _0\"></span>fy both<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls5 ws73\">performin<span class=\"_ _1\"></span>g expos<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>nd bett<span class=\"_ _1\"></span>er</span>-<span class=\"_ _bc\"> </span></span></span>performi<span class=\"_ _1\"></span>ng cu<span class=\"_ _1\"></span>sto<span class=\"_ _1\"></span>mers. The i<span class=\"_ _1\"></span>nter<span class=\"_ _1\"></span>nal ris<span class=\"_ _1\"></span>k grad<span class=\"_ _1\"></span>es us<span class=\"_ _1\"></span>ed by th<span class=\"_ _1\"></span>e Bank are a<span class=\"_ _1\"></span>s follo<span class=\"_ _1\"></span>ws:<span class=\"ls1 ws1\"> </span>\u2022 Perfor<span class=\"_ _1\"></span>ming: In<span class=\"_ _1\"></span>terna<span class=\"_ _1\"></span>l grade \u2018<span class=\"_ _1\"></span>P1\u2019<span class=\"_ _1\"></span>;<span class=\"ls1 ws1\"> </span>\u2022 Under pe<span class=\"_ _0\"></span>rformi<span class=\"_ _0\"></span>ng: Inte<span class=\"_ _0\"></span>rnal grade<span class=\"_ _0\"></span>s \u2018P2\u2019, \u2018P3<span class=\"_ _0\"></span>\u2019 and \u2018P<span class=\"_ _0\"></span>F\u2019; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>\u2022 Non<span class=\"ls1 ws1\">-<span class=\"lsa ws44\">performing: Internal grade</span>s <span class=\"lsb ws24\">\u2018NP\u2019, \u2018NF\u2019 and \u2018NR\u2019.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>P1<span class=\"ls1 ws1\"> </span>The Bank\u2019s lo<span class=\"_ _1\"></span>ans and advances<span class=\"_ _1\"></span> to customers which a<span class=\"_ _1\"></span>re categorised as \u2018P1\u2019 are pri<span class=\"_ _1\"></span>ncipally debts in respect of whic<span class=\"_ _0\"></span>h the payme<span class=\"_ _0\"></span>nt of inte<span class=\"_ _0\"></span>rest and/or c<span class=\"_ _0\"></span>apital is not<span class=\"_ _0\"></span> overd<span class=\"_ _0\"></span>ue by 30 da<span class=\"_ _0\"></span>ys and no rece<span class=\"_ _0\"></span>nt history of<span class=\"_ _0\"></span> custom<span class=\"_ _0\"></span>er defaul<span class=\"_ _1\"></span>t exist<span class=\"_ _1\"></span>s. Man<span class=\"_ _1\"></span>agemen<span class=\"_ _1\"></span>t does<span class=\"_ _1\"></span> not<span class=\"_ _1\"></span> expect<span class=\"ls1 ws1\"> </span>a<span class=\"_ _1\"></span>ny lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> from non<span class=\"ls1 ws1\">-</span>per<span class=\"_ _1\"></span>forma<span class=\"_ _1\"></span>nce by<span class=\"_ _1\"></span> these cu<span class=\"_ _1\"></span>sto<span class=\"_ _1\"></span>mers.<span class=\"ls1 ws1\"> </span>P2<span class=\"ls1 ws1\"> </span>Loans and<span class=\"_ _1\"></span> advances which<span class=\"_ _1\"></span> attract a \u2018P2\u2019 grading are those which are receivin<span class=\"_ _1\"></span>g the close att<span class=\"_ _1\"></span>ention of the Bank\u2019s manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt and are being r<span class=\"_ _0\"></span>eviewe<span class=\"_ _0\"></span>d periodic<span class=\"_ _0\"></span>ally in order<span class=\"_ _0\"></span> to determ<span class=\"_ _0\"></span>ine whether<span class=\"_ _0\"></span> such advances sho<span class=\"_ _1\"></span>uld be recl<span class=\"_ _1\"></span>assi<span class=\"_ _1\"></span>fied to eit<span class=\"_ _1\"></span>her th<span class=\"_ _1\"></span>e \u2018P1\u2019 o<span class=\"_ _1\"></span>r the \u2018P3\u2019<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls6 wsd\">classification<span class=\"_ _1\"></span>. Credit facilities th<span class=\"_ _1\"></span>at attract this<span class=\"_ _1\"></span> category </span></span>include<span class=\"_ _0\"></span> those whe<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span> paym<span class=\"_ _0\"></span>ent of i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st and/or c<span class=\"_ _0\"></span>apital<span class=\"_ _0\"></span> becom<span class=\"_ _0\"></span>es over<span class=\"_ _0\"></span>due by 30 da<span class=\"_ _0\"></span>ys and o<span class=\"_ _0\"></span>ver but<span class=\"_ _0\"></span> not exceeding 60 da<span class=\"_ _1\"></span>ys.<span class=\"ls1 ws1\"> </span>P3<span class=\"ls1 ws1\"> </span>Loans and advanc<span class=\"_ _0\"></span>es whi<span class=\"_ _0\"></span>ch attrac<span class=\"_ _0\"></span>t a \u2018P3\u2019 g<span class=\"_ _0\"></span>rading ar<span class=\"_ _0\"></span>e those having the<span class=\"_ _0\"></span> we<span class=\"_ _0\"></span>aknesses inhe<span class=\"_ _0\"></span>rent in those<span class=\"_ _0\"></span> loans and advances c<span class=\"_ _0\"></span>lassifie<span class=\"_ _0\"></span>d as \u2018P2\u2019<span class=\"_ _0\"></span> with t<span class=\"_ _0\"></span>he added c<span class=\"_ _0\"></span>haracte<span class=\"_ _0\"></span>ristics that re<span class=\"_ _0\"></span>payme<span class=\"_ _0\"></span>nt is inade<span class=\"_ _0\"></span>quately pro<span class=\"_ _0\"></span>tecte<span class=\"_ _0\"></span>d by the curr<span class=\"_ _0\"></span>ent sound wor<span class=\"_ _0\"></span>th and paying c<span class=\"_ _0\"></span>apacity o<span class=\"ls7 ws29\">f<span class=\"_ _0\"></span> the borrower. Loans and advances so gra<span class=\"_ _0\"></span>ded have a well<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span>defined<span class=\"_ _1\"></span> weak<span class=\"_ _1\"></span>ness o<span class=\"_ _1\"></span>r weakn<span class=\"_ _1\"></span>ess<span class=\"_ _1\"></span>es tha<span class=\"_ _1\"></span>t coul<span class=\"_ _1\"></span>d jeop<span class=\"_ _1\"></span>ardis<span class=\"_ _1\"></span>e the repay<span class=\"_ _1\"></span>ment of t<span class=\"_ _1\"></span>he deb<span class=\"_ _1\"></span>t. Th<span class=\"_ _1\"></span>ey ar<span class=\"_ _1\"></span>e chara<span class=\"_ _1\"></span>cterised<span class=\"_ _1\"></span> by the disti<span class=\"_ _1\"></span>nct possibility tha<span class=\"_ _1\"></span>t the Bank will sustain some loss<span class=\"_ _1\"></span> if the deficiencies are not cor<span class=\"ls5 ws1a\">r<span class=\"_ _1\"></span>ected. Cred<span class=\"_ _1\"></span>it </span>facilities tha<span class=\"_ _1\"></span>t attract th<span class=\"_ _1\"></span>is category in<span class=\"_ _1\"></span>clude thos<span class=\"_ _1\"></span>e where the paymen<span class=\"_ _1\"></span>t of interest an<span class=\"_ _1\"></span>d/or capital<span class=\"_ _1\"></span> becomes<span class=\"_ _1\"></span> overdue by 6<span class=\"_ _0\"></span>0 days and o<span class=\"_ _11\"></span>v<span class=\"_ _1\"></span>er but not<span class=\"_ _0\"></span> exce<span class=\"_ _0\"></span>eding 9<span class=\"_ _0\"></span>0 days.<span class=\"ls1 ws1\"> </span>PF<span class=\"ls1 ws1\"> </span>Loans and advances which attract a \u2018PF\u2019 grading<span class=\"_ _0\"></span> are those facilities (othe<span class=\"_ _0\"></span>r than Non<span class=\"ls1 ws1\">-<span class=\"ls5 ws45\">Per<span class=\"_ _1\"></span>formi<span class=\"_ _1\"></span>ng Exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res) </span></span>in res<span class=\"_ _1\"></span>pect of<span class=\"_ _1\"></span> which<span class=\"_ _1\"></span> forb<span class=\"_ _1\"></span>eara<span class=\"_ _1\"></span>nce mea<span class=\"_ _1\"></span>sures<span class=\"_ _1\"></span> have b<span class=\"_ _1\"></span>een ex<span class=\"_ _1\"></span>tended<span class=\"_ _1\"></span>. Forb<span class=\"_ _1\"></span>eara<span class=\"_ _1\"></span>nce mea<span class=\"_ _1\"></span>su<span class=\"_ _1\"></span>res con<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span> of concessions towards a debto<span class=\"_ _0\"></span>r faci<span class=\"_ _0\"></span>ng or about to face dif<span class=\"_ _0\"></span><span class=\"ls6 ws27\">ficulties<span class=\"_ _1\"></span> in meeting its<span class=\"_ _1\"></span> financial commit<span class=\"_ _1\"></span>ments </span>(financial d<span class=\"_ _1\"></span>ifficulties).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>A concession is deem<span class=\"_ _0\"></span>ed to have taken place<span class=\"_ _0\"></span> when any of the f<span class=\"_ _0\"></span>ollowing two acti<span class=\"_ _0\"></span>ons are taken;<span class=\"ls1\"> </span>(a) a m<span class=\"_ _0\"></span>odific<span class=\"_ _0\"></span>ation of<span class=\"_ _0\"></span> the pre<span class=\"_ _0\"></span>vious terms and co<span class=\"_ _0\"></span>nditio<span class=\"_ _0\"></span>ns of a <span class=\"_ _0\"></span>contract<span class=\"_ _0\"></span>, as the debt<span class=\"_ _0\"></span>or i<span class=\"_ _0\"></span>s conside<span class=\"_ _0\"></span>red unabl<span class=\"_ _0\"></span>e to<span class=\"_ _0\"></span> comply there<span class=\"_ _1\"></span>with, due to<span class=\"_ _1\"></span> its fina<span class=\"_ _1\"></span>ncial difficulti<span class=\"_ _1\"></span>es (\u2018trou<span class=\"_ _1\"></span>bled debt\u2019) to<span class=\"_ _1\"></span> allow for suff<span class=\"_ _1\"></span>icient debt<span class=\"_ _1\"></span> service ability<span class=\"_ _1\"></span>, that would no<span class=\"_ _0\"></span>t have<span class=\"_ _0\"></span> been gr<span class=\"_ _0\"></span>anted had the<span class=\"_ _0\"></span> debtor not<span class=\"_ _11\"></span> been in financi<span class=\"_ _0\"></span>al diff<span class=\"_ _0\"></span>iculti<span class=\"_ _0\"></span>es; and/<span class=\"_ _0\"></span>or<span class=\"ls1 ws1\"> </span>(b) a total<span class=\"_ _11\"></span> or partial re<span class=\"_ _0\"></span>financ<span class=\"_ _0\"></span>ing of<span class=\"_ _0\"></span> a troubl<span class=\"_ _0\"></span>ed de<span class=\"_ _0\"></span>bt contr<span class=\"_ _0\"></span>act,<span class=\"_ _0\"></span> that w<span class=\"_ _0\"></span>ould not<span class=\"_ _0\"></span> have be<span class=\"_ _0\"></span>en gr<span class=\"_ _0\"></span>anted ha<span class=\"_ _0\"></span>d the<span class=\"_ _11\"></span> debtor not be<span class=\"_ _0\"></span>en in f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> diff<span class=\"_ _0\"></span>iculties.<span class=\"ls1 ws1\"> </span>NP<span class=\"ls1 ws1\"> </span>Loans and advances which attract a \u2018NP\u2019 g<span class=\"_ _0\"></span>rading are those f<span class=\"_ _0\"></span>acilitie<span class=\"_ _0\"></span>s where the Bank deems the recoverability<span class=\"_ _1\"></span> of principa<span class=\"_ _1\"></span>l to be re<span class=\"_ _1\"></span>mote as a resu<span class=\"_ _1\"></span>lt of worsen<span class=\"_ _1\"></span>ing cond<span class=\"_ _1\"></span>itions of lo<span class=\"_ _1\"></span>ans and<span class=\"_ _1\"></span> advances clas<span class=\"_ _1\"></span>sified as \u2018P3\u2019. Cred<span class=\"_ _1\"></span>it facilities t<span class=\"_ _1\"></span>hat attra<span class=\"_ _1\"></span>ct this categor<span class=\"ls8 ws18\">y include those whe<span class=\"_ _0\"></span>re the payme<span class=\"_ _0\"></span>nt of inter<span class=\"_ _0\"></span>est and/or capi<span class=\"_ _0\"></span>tal </span>becom<span class=\"_ _0\"></span>es overdue<span class=\"_ _0\"></span> by 90 days and ove<span class=\"_ _0\"></span>r. Ac<span class=\"_ _0\"></span>cordingl<span class=\"_ _0\"></span>y, these<span class=\"_ _0\"></span> loans and advanc<span class=\"_ _0\"></span>es are<span class=\"_ _0\"></span> gene<span class=\"_ _0\"></span>rally past d<span class=\"_ _0\"></span>ue by<span class=\"_ _0\"></span> more t<span class=\"_ _0\"></span>han 90 days and co<span class=\"_ _0\"></span>mpr<span class=\"_ _0\"></span>ise those<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s which ar<span class=\"_ _0\"></span>e deem<span class=\"_ _0\"></span>ed by the B<span class=\"_ _0\"></span>ank as cre<span class=\"_ _0\"></span>dit<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">impaired<span class=\"_ _1\"></span></span> <span class=\"_ _1\"></span><span class=\"ls78 ws13b\">(see </span></span>definition in<span class=\"_ _1\"></span> note 2.3.4.2).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>NF<span class=\"ls1 ws1\"> </span>Loans and advances which attract a \u2018NF<span class=\"_ _0\"></span>\u2019 grading are cr<span class=\"_ _0\"></span>edit<span class=\"ls1 ws1\">-<span class=\"ls5 ws1a\">impair<span class=\"_ _1\"></span>ed fac<span class=\"_ _1\"></span>iliti<span class=\"_ _1\"></span>es wher<span class=\"_ _1\"></span>e the<span class=\"_ _1\"></span> Bank d<span class=\"_ _1\"></span>eems th<span class=\"_ _1\"></span>e </span></span>recover<span class=\"_ _1\"></span>abilit<span class=\"_ _1\"></span>y to b<span class=\"_ _1\"></span>e remote <span class=\"_ _1\"></span>as a r<span class=\"_ _1\"></span>esult o<span class=\"_ _1\"></span>f worsen<span class=\"_ _1\"></span>ing cond<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span>s but<span class=\"ls1 ws1\">  </span>in resp<span class=\"_ _1\"></span>ect of<span class=\"ls1 ws1\">  <span class=\"ls6 ws8\">which <span class=\"_ _15\"> </span><span class=\"ls7 ws4e\">forbearance</span></span> </span>measu<span class=\"_ _1\"></span>res ha<span class=\"_ _1\"></span>ve be<span class=\"_ _1\"></span>en ext<span class=\"_ _1\"></span>ended.<span class=\"_ _1\"></span> Forbea<span class=\"_ _1\"></span>ranc<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ures c<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>ist o<span class=\"_ _1\"></span>f conces<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s towa<span class=\"_ _1\"></span>rds a<span class=\"_ _1\"></span> debto<span class=\"_ _1\"></span>r facing<span class=\"_ _1\"></span> difficulti<span class=\"_ _1\"></span>es in meeting its fina<span class=\"_ _1\"></span>ncial com<span class=\"_ _1\"></span>mitments<span class=\"_ _bc\"> </span>NR<span class=\"ls1 ws1\"> </span>Loans and advanc<span class=\"_ _0\"></span>es whi<span class=\"_ _0\"></span>ch attract a \u2018NR<span class=\"_ _0\"></span>\u2019 grading<span class=\"_ _0\"></span> are credit<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws4d\">impaired<span class=\"_ _1\"></span> faci<span class=\"_ _1\"></span>lities<span class=\"_ _1\"></span> wher<span class=\"_ _1\"></span>e the B<span class=\"_ _1\"></span>ank d<span class=\"_ _1\"></span>eems<span class=\"_ _1\"></span> </span></span>recovery to b<span class=\"_ _1\"></span>e remote as a result of worsen<span class=\"_ _1\"></span>ing conditio<span class=\"_ _1\"></span>ns and where legal action a<span class=\"_ _1\"></span>gainst the obligo<span class=\"_ _1\"></span>r has commen<span class=\"_ _1\"></span>ced.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The foll<span class=\"_ _0\"></span>owing table sets out <span class=\"_ _0\"></span>informati<span class=\"_ _0\"></span>on about the credit<span class=\"_ _0\"></span> quality of the<span class=\"_ _0\"></span> Bank\u2019s loan<span class=\"_ _0\"></span>s and advances to<span class=\"_ _0\"></span> cust<span class=\"_ _1\"></span>omers mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> at amor<span class=\"_ _1\"></span>tised<span class=\"_ _1\"></span> cost.<span class=\"_ _1\"></span> Explan<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> of the terms: 12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>month<span class=\"_ _1\"></span> ECL,<span class=\"_ _1\"></span> lifetim<span class=\"_ _1\"></span>e ECL a<span class=\"_ _1\"></span>nd cred<span class=\"_ _1\"></span>it<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>impaired are inclu<span class=\"_ _1\"></span>ded in no<span class=\"_ _1\"></span>te 2.3.4.3.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><table class=\"s w1fb h1ba\" id=\"_579f0ea7-a436-46c0-89df-09d9669ce422\"><tr><td></td><td></td><td class=\"c x309 y1f14 wea hc3\"><div class=\"t m0 x3e he1 y94f ff3 fs14 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x309 y1f15 w53 hee\"><div class=\"t m0 xe5 h29 y1089 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">Stage 1 </span> </div></td><td class=\"c x30a y1f15 wa5 hee\"><div class=\"t m0 x113 h29 y1089 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 <span class=\"ws1\"> </span></div></td><td class=\"c x30b y1f15 w54 hee\"><div class=\"t m0 x113 h29 y1089 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 <span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x309 y1f15 w53 hee\"><div class=\"t m0 x84 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws0\">month ECL</span><span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f15 wa5 hee\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls3 ws109\">Lifetim<span class=\"_ _0\"></span>e ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30b y1f15 w54 hee\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls3 ws109\">Lifetim<span class=\"_ _0\"></span>e ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30c y1f15 wa7 hee\"><div class=\"t m0 xcb h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x309 y1f16 w53 hef\"><div class=\"t m0 xd8 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f16 wa5 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30b y1f16 w54 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30c y1f16 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f17 we9 hef\"><div class=\"t m0 xd h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f18 we9 hf2\"><div class=\"t m0 xd h35 y94f ff6 fs8 fc0 sc0 ls6b ws13c\">Corpor<span class=\"_ _0\"></span>ate and comm<span class=\"_ _0\"></span>erc<span class=\"_ _0\"></span>ial<span class=\"ff13 ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f19 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f19 w53 hf1\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">420,563<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f19 wa5 hf1\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">6,269<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f19 w54 hf1\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f19 wa7 hf1\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">426,832 </div></td></tr><tr><td class=\"c x2f8 y1f1a we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1a w53 hf2\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1a wa5 hf2\"><div class=\"t m0 xd4 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">121,783<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1a w54 hf2\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1a wa7 hf2\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">121,783 </div></td></tr><tr><td class=\"c x2f8 y1f1b we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1b w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1b wa5 hf1\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">4,388<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1b w54 hf1\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1b wa7 hf1\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">4,388 </div></td></tr><tr><td class=\"c x2f8 y1f1c we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1c w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1c wa5 hef\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">16,296<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1c w54 hef\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1c wa7 hef\"><div class=\"t m0 xdb h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">16,296 </div></td></tr><tr><td class=\"c x2f8 y1f1d we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1d w53 hf0\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1d wa5 hf0\"><div class=\"t m0 x46 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1d w54 hf0\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">1,324<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1d wa7 hf0\"><div class=\"t m0 x113 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">1,324 </div></td></tr><tr><td class=\"c x2f8 y1f1e we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1e w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1e wa5 hef\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1e w54 hef\"><div class=\"t m0 x1d h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">32,879<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1e wa7 hef\"><div class=\"t m0 xdb h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">32,879 </div></td></tr><tr><td class=\"c x2f8 y1f1f we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f1f w53 hf0\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f1f wa5 hf0\"><div class=\"t m0 x46 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f1f w54 hf0\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,344<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f1f wa7 hf0\"><div class=\"t m0 x113 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,344 </div></td></tr><tr><td class=\"c x2f8 y1f20 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f20 w53 hef\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">420,563<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f20 wa5 hef\"><div class=\"t m0 xd4 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">148,736<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f20 w54 hef\"><div class=\"t m0 x1d h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">39,547<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f20 wa7 hef\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">608,846 </div></td></tr><tr><td class=\"c x2f8 y1f21 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f21 w53 hf0\"><div class=\"t m0 xd9 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">(399)<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f21 wa5 hf0\"><div class=\"t m0 x4f h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">(639)<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f21 w54 hf0\"><div class=\"t m0 x35 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">(5,735)<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f21 wa7 hf0\"><div class=\"t m0 x90 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">(<span class=\"ls4 ws0\"></span><span class=\"ls4 ws0\">6,7</span>73) </div></td></tr><tr><td class=\"c x2f8 y1f22 we9 hf0\"><div class=\"t m0 xd h35 y94f ff3 fs8 fc0 sc0 ls28 ws0\">Carry<span class=\"_ _1\"></span>ing amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f22 w53 hf0\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">420,164<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f22 wa5 hf0\"><div class=\"t m0 xd4 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">148,097<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f22 w54 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">33,812<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f22 wa7 hf0\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">602,073 </div></td></tr></table><table class=\"s w1fc h1bb\" id=\"_af111243-fbd5-4ee8-92b4-c570b28406df\"><tr><td class=\"c x2f8 y1f23 we9 hef\"><div class=\"t m0 xd h35 y9db ff6 fs8 fc0 sc0 ls6b ws111\">Person<span class=\"_ _0\"></span>al<span class=\"ff13 ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f24 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f24 w53 hf0\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">317,472<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f24 wa5 hf0\"><div class=\"t m0 x49 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">239<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f24 w54 hf0\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f24 wa7 hf0\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">317,711 </div></td></tr><tr><td class=\"c x2f8 y1f25 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f25 w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f25 wa5 hef\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2,884<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f25 w54 hef\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f25 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2,884 </div></td></tr><tr><td class=\"c x2f8 y1f26 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f26 w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f26 wa5 hf1\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">513<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f26 w54 hf1\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f26 wa7 hf1\"><div class=\"t m0 x26 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">513 </div></td></tr><tr><td class=\"c x2f8 y1f27 we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f27 w53 hf2\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f27 wa5 hf2\"><div class=\"t m0 x49 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f27 w54 hf2\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f27 wa7 hf2\"><div class=\"t m0 x26 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">147 </div></td></tr><tr><td class=\"c x2f8 y1f28 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f28 w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f28 wa5 hf1\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f28 w54 hf1\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">1,044<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f28 wa7 hf1\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">1,044 </div></td></tr><tr><td class=\"c x2f8 y1f29 we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f29 w53 hf2\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f29 wa5 hf2\"><div class=\"t m0 x46 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f29 w54 hf2\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,230<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f29 wa7 hf2\"><div class=\"t m0 x113 h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,230 </div></td></tr><tr><td class=\"c x2f8 y1f2a we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2a w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2a wa5 hf1\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2a w54 hf1\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">101<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2a wa7 hf1\"><div class=\"t m0 x26 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">101 </div></td></tr><tr><td class=\"c x2f8 y1f2b we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2b w53 hf1\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">317,472<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2b wa5 hf1\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">3,783<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2b w54 hf1\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">6,375<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2b wa7 hf1\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">327,630 </div></td></tr><tr><td class=\"c x2f8 y1f2c we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2c w53 hef\"><div class=\"t m0 xd9 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(279)<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2c wa5 hef\"><div class=\"t m0 x4f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(115)<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2c w54 hef\"><div class=\"t m0 x4f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(189)<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2c wa7 hef\"><div class=\"t m0 x35 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(583) </div></td></tr><tr><td class=\"c x2f8 y1f2d we9 hf1\"><div class=\"t m0 xd h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Carry<span class=\"_ _1\"></span>ing amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2d w53 hf1\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">317,193<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2d wa5 hf1\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">3,668<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2d w54 hf1\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">6,186<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2d wa7 hf1\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">327,047 </div></td></tr></table><table class=\"s w1fd h1bc\" id=\"_5e6191a5-b681-43f9-93cb-45ebb3dd068c\"><tr><td class=\"c x2f8 y1f2e we9 hf1\"><div class=\"t m0 xd h35 y9db ff6 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f2f we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f2f w53 hf2\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f2f wa5 hf2\"><div class=\"t m0 xd7 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">6,508<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f2f w54 hf2\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f2f wa7 hf2\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">744,543 </div></td></tr><tr><td class=\"c x2f8 y1f30 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f30 w53 hf1\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f30 wa5 hf1\"><div class=\"t m0 xd4 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">124,667<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f30 w54 hf1\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f30 wa7 hf1\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">124,667 </div></td></tr><tr><td class=\"c x2f8 y1f31 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f31 w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f31 wa5 hef\"><div class=\"t m0 xd7 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">4,901<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f31 w54 hef\"><div class=\"t m0 x37 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f31 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">4,901 </div></td></tr><tr><td class=\"c x2f8 y1f32 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f32 w53 hf0\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f32 wa5 hf0\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">16,443<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f32 w54 hf0\"><div class=\"t m0 x37 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f32 wa7 hf0\"><div class=\"t m0 xdb h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">16,443 </div></td></tr><tr><td class=\"c x2f8 y1f33 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f33 w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f33 wa5 hef\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f33 w54 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2,368<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f33 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2,368 </div></td></tr><tr><td class=\"c x2f8 y1f34 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f34 w53 hf0\"><div class=\"t m0 x110 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f34 wa5 hf0\"><div class=\"t m0 x46 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f34 w54 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">38,109<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f34 wa7 hf0\"><div class=\"t m0 xdb h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">38,109 </div></td></tr><tr><td class=\"c x2f8 y1f35 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f35 w53 hef\"><div class=\"t m0 x110 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f35 wa5 hef\"><div class=\"t m0 x46 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f35 w54 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">5,445<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f35 wa7 hef\"><div class=\"t m0 x113 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">5,445 </div></td></tr><tr><td class=\"c x2f8 y1f36 we9 hf0\"><div class=\"t m0 xd h35 y94f ff3 fs8 fc0 sc0 ls28 ws0\">Gross car<span class=\"_ _1\"></span>rying amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f36 w53 hf0\"><div class=\"t m0 x22 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f36 wa5 hf0\"><div class=\"t m0 xd4 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">152,519<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f36 w54 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">45,922<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f36 wa7 hf0\"><div class=\"t m0 xdf h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">936,476 </div></td></tr><tr><td class=\"c x2f8 y1f37 we9 hef\"><div class=\"t m0 xd h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Loss a<span class=\"_ _1\"></span>llowance<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f37 w53 hef\"><div class=\"t m0 xd9 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(678)<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f37 wa5 hef\"><div class=\"t m0 x4f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(754)<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f37 w54 hef\"><div class=\"t m0 x35 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(5,924)<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f37 wa7 hef\"><div class=\"t m0 x90 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">(7,356) </div></td></tr><tr><td class=\"c x2f8 y1f38 we9 hef\"><div class=\"t m0 xd h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Carry<span class=\"_ _1\"></span>ing amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x309 y1f38 w53 hef\"><div class=\"t m0 x22 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">737,357<span class=\"ffa\"> </span></div></td><td class=\"c x30a y1f38 wa5 hef\"><div class=\"t m0 xd4 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">151,765<span class=\"ffa\"> </span></div></td><td class=\"c x30b y1f38 w54 hef\"><div class=\"t m0 x1d h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">39,998<span class=\"ffa\"> </span></div></td><td class=\"c x30c y1f38 wa7 hef\"><div class=\"t m0 xdf h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">929,120 </div></td></tr></table><table class=\"s w1ff h1bf\" id=\"_0a9589be-cdd5-4186-a216-f9081b12cf8f\"><tr><td></td><td></td><td class=\"c x309 y1f4f wea hc3\"><div class=\"t m0 x3e hdc y94f ff1 fs14 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x309 y1f50 w53 hee\"><div class=\"t m0 xe5 h25 y1089 ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls4 ws9a\">Stage 1 </span> </div></td><td class=\"c x30a y1f50 wa5 hee\"><div class=\"t m0 x113 h25 y1089 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x30b y1f50 w54 hee\"><div class=\"t m0 x113 h25 y1089 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 <span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x309 y1f50 w53 hee\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws98\">month E<span class=\"_ _1\"></span>CL</span><span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f50 wa5 hee\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Lifetime E<span class=\"_ _1\"></span>CL<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30b y1f50 w54 hee\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls4 ws9a\">Lifetime E<span class=\"_ _1\"></span>CL<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30c y1f50 wa7 hee\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x309 y1f51 w53 hef\"><div class=\"t m0 xd8 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f51 wa5 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x30b y1f51 w54 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x30c y1f51 wa7 hef\"><div class=\"t m0 x113 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f52 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Loans a<span class=\"_ _1\"></span>nd advances to c<span class=\"_ _1\"></span>ustom<span class=\"_ _1\"></span>ers at amorti<span class=\"_ _1\"></span>sed cost<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f53 we9 hf2\"><div class=\"t m0 xd h35 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f54 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f54 w53 hf1\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">422,210<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f54 wa5 hf1\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2,400<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f54 w54 hf1\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f54 wa7 hf1\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">424,610 </div></td></tr><tr><td class=\"c x2f8 y1f55 we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f55 w53 hf2\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f55 wa5 hf2\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">89,758<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f55 w54 hf2\"><div class=\"t m0 x37 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f55 wa7 hf2\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">89,758 </div></td></tr><tr><td class=\"c x2f8 y1f56 we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f56 w53 hf1\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f56 wa5 hf1\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">24,123<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f56 w54 hf1\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f56 wa7 hf1\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">24,123 </div></td></tr><tr><td class=\"c x2f8 y1f57 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f57 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f57 wa5 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">12,146<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f57 w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f57 wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">12,146 </div></td></tr><tr><td class=\"c x2f8 y1f58 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f58 w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f58 wa5 hf0\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f58 w54 hf0\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,316<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f58 wa7 hf0\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,316 </div></td></tr><tr><td class=\"c x2f8 y1f59 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f59 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f59 wa5 hef\"><div class=\"t m0 x46 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f59 w54 hef\"><div class=\"t m0 x1d h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">33,223<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f59 wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">33,223 </div></td></tr><tr><td class=\"c x2f8 y1f5a we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f5a w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f5a wa5 hf0\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f5a w54 hf0\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,601<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f5a wa7 hf0\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,601 </div></td></tr><tr><td class=\"c x2f8 y1f5b we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f5b w53 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">422,210<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f5b wa5 hef\"><div class=\"t m0 xd4 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">128,427<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f5b w54 hef\"><div class=\"t m0 x1d h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">44,140<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f5b wa7 hef\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">594,777 </div></td></tr><tr><td class=\"c x2f8 y1f5c we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f5c w53 hf0\"><div class=\"t m0 xd9 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(712)<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f5c wa5 hf0\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(412)<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f5c w54 hf0\"><div class=\"t m0 x35 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(6,362)<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f5c wa7 hf0\"><div class=\"t m0 x90 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(7,486) </div></td></tr><tr><td class=\"c x2f8 y1f5d we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t<span class=\"ffb ls1\"> </span></div></td><td class=\"c x309 y1f5d w53 hf0\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">421,498<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f5d wa5 hf0\"><div class=\"t m0 xd4 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">128,015<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f5d w54 hf0\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">37,778<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f5d wa7 hf0\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">587,291 </div></td></tr></table><table class=\"s w1fe h1bd\" id=\"_1b3c7fe2-44e6-4fb4-8e0d-2208dde00b94\"><tr><td class=\"c x2f8 y1f39 we9 hf0\"><div class=\"t m0 xd h35 y94f ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f3a we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3a w53 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">277,054<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3a wa5 hef\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">942<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3a w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3a wa7 hef\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">277,996 </div></td></tr><tr><td class=\"c x2f8 y1f3b we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3b w53 hf1\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3b wa5 hf1\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">164<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3b w54 hf1\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3b wa7 hf1\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">164 </div></td></tr><tr><td class=\"c x2f8 y1f3c we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3c w53 hf2\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3c wa5 hf2\"><div class=\"t m0 x49 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">367<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3c w54 hf2\"><div class=\"t m0 x37 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3c wa7 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">367 </div></td></tr><tr><td class=\"c x2f8 y1f3d we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3d w53 hf1\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3d wa5 hf1\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">1,259<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3d w54 hf1\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3d wa7 hf1\"><div class=\"t m0 x113 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">1,259 </div></td></tr><tr><td class=\"c x2f8 y1f3e we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3e w53 hf2\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3e wa5 hf2\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3e w54 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">1,199<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3e wa7 hf2\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">1,199 </div></td></tr><tr><td class=\"c x2f8 y1f3f we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f3f w53 hf1\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f3f wa5 hf1\"><div class=\"t m0 x46 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f3f w54 hf1\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">5,087<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f3f wa7 hf1\"><div class=\"t m0 x113 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">5,087 </div></td></tr><tr><td class=\"c x2f8 y1f40 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f40 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f40 wa5 hef\"><div class=\"t m0 x46 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f40 w54 hef\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">261<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f40 wa7 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">261 </div></td></tr><tr><td class=\"c x2f8 y1f41 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f41 w53 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">277,054<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f41 wa5 hef\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2,732<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f41 w54 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">6,547<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f41 wa7 hef\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">286,333 </div></td></tr><tr><td class=\"c x2f8 y1f42 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f42 w53 hf0\"><div class=\"t m0 xd9 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(268)<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f42 wa5 hf0\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(34)<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f42 w54 hf0\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(632)<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f42 wa7 hf0\"><div class=\"t m0 x35 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(934) </div></td></tr><tr><td class=\"c x2f8 y1f43 we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t<span class=\"ffb ls1\"> </span></div></td><td class=\"c x309 y1f43 w53 hf2\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">276,786<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f43 wa5 hf2\"><div class=\"t m0 xd7 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2,698<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f43 w54 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,915<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f43 wa7 hf2\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">285,399 </div></td></tr></table><table class=\"s w1ff h1be\" id=\"_82110f51-de36-4cb7-8f17-c429d42e2915\"><tr><td class=\"c x2f8 y1f44 we9 hf0\"><div class=\"t m0 xd h98 y94f ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f45 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P1<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f45 w53 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">699,264<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f45 wa5 hef\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">3,342<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f45 w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f45 wa7 hef\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">702,606 </div></td></tr><tr><td class=\"c x2f8 y1f46 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f46 w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f46 wa5 hf0\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">89,922<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f46 w54 hf0\"><div class=\"t m0 x37 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f46 wa7 hf0\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">89,922 </div></td></tr><tr><td class=\"c x2f8 y1f47 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f47 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f47 wa5 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">24,490<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f47 w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f47 wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">24,490 </div></td></tr><tr><td class=\"c x2f8 y1f48 we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f48 w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f48 wa5 hef\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">13,405<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f48 w54 hef\"><div class=\"t m0 x37 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f48 wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">13,405 </div></td></tr><tr><td class=\"c x2f8 y1f49 we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f49 w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f49 wa5 hf0\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f49 w54 hf0\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">6,515<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f49 wa7 hf0\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">6,515 </div></td></tr><tr><td class=\"c x2f8 y1f4a we9 hef\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">NF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f4a w53 hef\"><div class=\"t m0 x110 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4a wa5 hef\"><div class=\"t m0 x46 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4a w54 hef\"><div class=\"t m0 x1d h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">38,310<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4a wa7 hef\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">38,310 </div></td></tr><tr><td class=\"c x2f8 y1f4b we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">NR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f4b w53 hf0\"><div class=\"t m0 x110 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4b wa5 hf0\"><div class=\"t m0 x46 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4b w54 hf0\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,862<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4b wa7 hf0\"><div class=\"t m0 x113 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,862 </div></td></tr><tr><td class=\"c x2f8 y1f4c we9 hf1\"><div class=\"t m0 xd h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f4c w53 hf1\"><div class=\"t m0 x22 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">699,264<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4c wa5 hf1\"><div class=\"t m0 xd4 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">131,159<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4c w54 hf1\"><div class=\"t m0 x1d h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">50,687<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4c wa7 hf1\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">881,110 </div></td></tr><tr><td class=\"c x2f8 y1f4d we9 hf2\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6b ws10a\">Loss al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x309 y1f4d w53 hf2\"><div class=\"t m0 xd9 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(980)<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4d wa5 hf2\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(446)<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4d w54 hf2\"><div class=\"t m0 x35 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(6,994)<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4d wa7 hf2\"><div class=\"t m0 x90 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">(8,420) </div></td></tr><tr><td class=\"c x2f8 y1f4e we9 hf0\"><div class=\"t m0 xd h25 y94f ff1 fs8 fc0 sc0 ls6a ws1\">Carrying amoun<span class=\"_ _0\"></span>t<span class=\"ffb ls1\"> </span></div></td><td class=\"c x309 y1f4e w53 hf0\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">698,284<span class=\"ffb\"> </span></div></td><td class=\"c x30a y1f4e wa5 hf0\"><div class=\"t m0 xd4 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">130,713<span class=\"ffb\"> </span></div></td><td class=\"c x30b y1f4e w54 hf0\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">43,693<span class=\"ffb\"> </span></div></td><td class=\"c x30c y1f4e wa7 hf0\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">872,690 </div></td></tr></table>As at<span class=\"ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws42\">31 December 2025,<span class=\"_ _1\"></span> the Bank\u2019s undra<span class=\"_ _1\"></span>wn commitments t<span class=\"_ _1\"></span>o lend amounted to \u20ac356,793,000 (2024<span class=\"_ _1\"></span>: </span></span>\u20ac292,754,000) an<span class=\"_ _1\"></span>d predomina<span class=\"_ _1\"></span>ntly compris<span class=\"_ _1\"></span>e of sanctioned but n<span class=\"_ _1\"></span>ot yet drawn facilities which a<span class=\"_ _1\"></span>re classified as \u2018Stage 1\u2019 (12<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws2d\">month ECL)<span class=\"_ _0\"></span> upon drawdown by c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s. Undra<span class=\"ls6 ws23\">wn facilities in resp<span class=\"_ _1\"></span>ect of existin<span class=\"_ _1\"></span>g \u2018Stage<span class=\"_ _1\"></span> </span></span></span>2\u2019 and \u2018St<span class=\"_ _1\"></span>age 3\u2019 (Lifetime E<span class=\"_ _1\"></span>CL) facilit<span class=\"_ _1\"></span>ies as at 31 <span class=\"_ _1\"></span>December 2<span class=\"_ _1\"></span>025 were \u20ac25,19<span class=\"_ _1\"></span>1,000 (202<span class=\"_ _1\"></span>4: \u20ac11,642,0<span class=\"_ _1\"></span>00) and \u20ac16,000 (2024: \u20ac<span class=\"_ _1\"></span>689,000) res<span class=\"_ _1\"></span>pectively. ECL a<span class=\"_ _1\"></span>llowances on u<span class=\"_ _1\"></span>ndrawn commitm<span class=\"_ _1\"></span>ents sp<span class=\"_ _1\"></span>ecifically connected to re<span class=\"ls6 ws7\">volving cr<span class=\"_ _1\"></span>edit facilities to<span class=\"_ _1\"></span> lend as a<span class=\"_ _1\"></span>t 31 December 202<span class=\"ls1 ws1\">5 </span>amou<span class=\"_ _1\"></span>nted to \u20ac22,000 (20<span class=\"_ _1\"></span>24: \u20ac71,000<span class=\"_ _1\"></span>).<span class=\"ls1 ws1\"> </span></span>Contingent<span class=\"_ _1\"></span> liabilities as<span class=\"_ _1\"></span> at 31 December 2025 amoun<span class=\"_ _1\"></span>ting to \u20ac22,055,000 (2<span class=\"_ _1\"></span>024: \u20ac19,82<span class=\"_ _1\"></span>7,000) are mainly<span class=\"_ _1\"></span> classified a<span class=\"_ _1\"></span>s \u2018Stage 1\u2019 (12<span class=\"ls1 ws1\">-</span>m<span class=\"_ _1\"></span>onth ECL) b<span class=\"_ _1\"></span>y the Bank.<span class=\"_ _1\"></span> ECL allowances on co<span class=\"_ _1\"></span>ntingent liab<span class=\"_ _1\"></span>ilities as at<span class=\"_ _1\"></span> 31 December 2025 amo<span class=\"_ _1\"></span>unted to <span class=\"_ _1\"></span>\u20ac11,000 (2024<span class=\"_ _1\"></span>: \u20ac12,000).<span class=\"ls1 ws1\"> </span>As at 31 December 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 </span>and 202<span class=\"ls1 ws1\">4<span class=\"ls5 ws6\">,<span class=\"_ _1\"></span> there <span class=\"_ _1\"></span>were no<span class=\"_ _1\"></span> purch<span class=\"_ _1\"></span>ased<span class=\"_ _1\"></span></span> or </span><span class=\"ws8\">originat<span class=\"_ _1\"></span>ed<span class=\"ls1 ws1\"> </span>credit<span class=\"ls1 ws1\">-<span class=\"lse ws2c\">impai<span class=\"_ _0\"></span>red assets.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></span>The foll<span class=\"_ _0\"></span>owing table analyses the Bank\u2019s impair<span class=\"_ _0\"></span>ed loans and advance<span class=\"_ _0\"></span>s, gross of im<span class=\"_ _0\"></span>pairment allowance<span class=\"_ _0\"></span>s, by industry sect<span class=\"_ _0\"></span>or:<span class=\"_ _bc\"> </span><table class=\"s w200 h1c0\" id=\"_7a2c569c-7625-4a91-bd35-87a987f2c0f8\"><tr><td></td><td class=\"c x30d y1f5e w83 hf5\"><div class=\"t m0 xce h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f5e wa7 hf5\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x30d y1f5f w83 hdd\"><div class=\"t m0 xea h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x30e y1f5f wa7 hdd\"><div class=\"t m0 xcb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f60 web hdd\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Manufac<span class=\"_ _1\"></span>turing<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f60 w83 hdd\"><div class=\"t m0 x106 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">148<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f60 wa7 hdd\"><div class=\"t m0 xd7 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">156 </div></td></tr><tr><td class=\"c x2f8 y1f61 web hf5\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Trade<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f61 w83 hf5\"><div class=\"t m0 xea h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">4,147<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f61 wa7 hf5\"><div class=\"t m0 x113 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">4,794 </div></td></tr><tr><td class=\"c x2f8 y1f62 web hdd\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Propert<span class=\"_ _1\"></span>y and const<span class=\"_ _1\"></span>ructio<span class=\"_ _1\"></span>n<span class=\"_ _bc\"> </span></div></td><td class=\"c x30d y1f62 w83 hdd\"><div class=\"t m0 x37 h29 y179 ff3 fs8 fc0 sc0 ls1 ws1\">33,511<span class=\"_ _bc\"> </span></div></td><td class=\"c x30e y1f62 wa7 hdd\"><div class=\"t m0 x80 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">37,516 </div></td></tr><tr><td class=\"c x2f8 y1f63 web hdb\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Persona<span class=\"_ _1\"></span>l, profess<span class=\"_ _1\"></span>ional<span class=\"_ _1\"></span> and hom<span class=\"_ _1\"></span>e loans<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f63 w83 hdb\"><div class=\"t m0 xea h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">6,405<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f63 wa7 hdb\"><div class=\"t m0 x113 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">6,574 </div></td></tr><tr><td class=\"c x2f8 y1f64 web hdd\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f64 w83 hdd\"><div class=\"t m0 xea h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">1,453<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f64 wa7 hdd\"><div class=\"t m0 x113 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">1,313 </div></td></tr><tr><td class=\"c x2f8 y1f65 web hf5\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Other sectors<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f65 w83 hf5\"><div class=\"t m0 x106 h35 y179 ff3 fs8 fc0 sc0 ls1 ws1\">258<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f65 wa7 hf5\"><div class=\"t m0 xd7 h25 y179 ff1 fs8 fc0 sc0 ls1 ws1\">334 </div></td></tr><tr><td class=\"c x2f8 y1f66 web had\"><div class=\"t m0 xd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross impaired advances to customers<span class=\"_ _bc\"> </span></div></td><td class=\"c x30d y1f66 w83 had\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">45,922<span class=\"ffa\"> </span></div></td><td class=\"c x30e y1f66 wa7 had\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">50,687 </div></td></tr></table>The following t<span class=\"_ _1\"></span>able provid<span class=\"_ _1\"></span>es a detailed analysis o<span class=\"_ _1\"></span>f the credit quality of the Bank\u2019s lend<span class=\"_ _1\"></span>ing portfolio as<span class=\"_ _1\"></span> at 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5:</span><table class=\"s w201 h1c1\" id=\"_4aacd689-62ca-439a-8bd1-9828f1fbb576\"><tr><td></td><td class=\"c x30f y1f67 wed h9e\"><div class=\"t m0 x107 h29 y979 ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">forborne</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"><span class=\"_ _1\"></span> </span></span></div></td><td class=\"c x30d y1f67 wee h9e\"><div class=\"t m0 x33 h29 y979 ff3 fs8 fc0 sc0 ls4 ws0\">Forborne </div></td><td></td></tr><tr><td></td><td class=\"c x30f y1f67 wed h9e\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30d y1f67 wee h9e\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x310 y1f67 wef h9e\"><div class=\"t m0 xd9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x30f y1f68 wed h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f68 wee h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f68 wef h96\"><div class=\"t m0 x69 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td></tr><tr><td></td><td class=\"c x30f y1f69 wed h97\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30d y1f69 wee h97\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x310 y1f69 wef h97\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f6a wec h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">- <span class=\"ws9b\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f6b wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns which are no<span class=\"_ _1\"></span>t past <span class=\"_ _1\"></span>due<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f6b wed h97\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">722,096<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f6b wee h97\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f6b wef h97\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">722,096 </div></td></tr><tr><td class=\"c x2f8 y1f6c wec h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns which are pa<span class=\"_ _1\"></span>st due up t<span class=\"_ _1\"></span>o 30<span class=\"_ _1\"></span> days<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f6c wed h96\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,939<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f6c wee h96\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f6c wef h96\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,939 </div></td></tr><tr><td></td><td class=\"c x30f y1f6d wed hac\"><div class=\"t m0 xd6 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f6d wee hac\"><div class=\"t m0 x110 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f6d wef hac\"><div class=\"t m0 xe5 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">738,035 </div></td></tr><tr><td class=\"c x2f8 y1f6e wec h94\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">- <span class=\"ws9b\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f6f wec h95\"><div class=\"t m0 xd h35 y3eb ff5 fs8 fc0 sc0 ls6b ws10a\">Loans w<span class=\"_ _0\"></span>hich are<span class=\"_ _11\"></span> no<span class=\"_ _1\"></span>t pas<span class=\"_ _0\"></span>t d<span class=\"_ _0\"></span>ue <span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f70 wec h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">P1 <span class=\"ffb\"> </span></div></td><td class=\"c x30f y1f70 wed h94\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,460<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f70 wee h94\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f70 wef h94\"><div class=\"t m0 xcd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,460 </div></td></tr><tr><td class=\"c x2f8 y1f71 wec h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f71 wed h95\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">119,073<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f71 wee h95\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f71 wef h95\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">119,073 </div></td></tr><tr><td class=\"c x2f8 y1f72 wec h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f72 wed h94\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,926<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f72 wee h94\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f72 wef h94\"><div class=\"t m0 xcd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,926 </div></td></tr><tr><td class=\"c x2f8 y1f73 wec h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f73 wed h95\"><div class=\"t m0 xf4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f73 wee h95\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,143<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f73 wef h95\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,143 </div></td></tr><tr><td class=\"c x2f8 y1f74 wec h96\"><div class=\"t m0 xd h35 y3eb ff5 fs8 fc0 sc0 ls6b ws10a\">Loans w<span class=\"_ _0\"></span>hich are<span class=\"_ _11\"></span> p<span class=\"ws13c\">ast due<span class=\"ls1 ws1\"> </span></span>up to 9<span class=\"_ _11\"></span>0 days<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f75 wec h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due <span class=\"_ _1\"></span>between 1<span class=\"_ _1\"></span> and 30 day<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f75 wed h97\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">4,478<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f75 wee h97\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">300<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f75 wef h97\"><div class=\"t m0 xcd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">4,778 </div></td></tr><tr><td class=\"c x2f8 y1f76 wec h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due <span class=\"_ _1\"></span>between 3<span class=\"_ _1\"></span>1 to 90 da<span class=\"_ _1\"></span>ys<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f76 wed h96\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,139<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f76 wee h96\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f76 wef h96\"><div class=\"t m0 xcd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,139 </div></td></tr><tr><td></td><td class=\"c x30f y1f77 wed h94\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">136,076<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f77 wee h94\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">16,443<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f77 wef h94\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">152<span class=\"ls4 ws0\">,5</span>19 </div></td></tr><tr><td class=\"c x2f8 y1f78 wec h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">perfor<span class=\"_ _1\"></span>ming </span>- <span class=\"ws9b\">Stage 3</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f79 wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due lo<span class=\"_ _1\"></span>ans by 90<span class=\"_ _1\"></span> days<span class=\"ls1 ws1\"> <span class=\"ls2a ws99\">o<span class=\"_ _1\"></span>r more</span> </span>and cre<span class=\"_ _1\"></span>dit<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">impaired</span> <span class=\"_ _1\"></span></span><span class=\"ws9a\">loans</span><span class=\"ws9a\"><span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x30f y1f79 wed h97\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">7,813<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f79 wee h97\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">38,109<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f79 wef h97\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">45,922 </div></td></tr><tr><td class=\"c x2f8 y1f7a wec h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Gross loans and adv<span class=\"_ _1\"></span>ances<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30f y1f7a wed h96\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">881,924<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f7a wee h96\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">54,552<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f7a wef h96\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">936,476 </div></td></tr><tr><td class=\"c x2f8 y1f7b wec h95\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls6f ws113\">Expected<span class=\"_ _0\"></span> credit lo<span class=\"_ _0\"></span>sses<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f7c wec h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws98\">month E<span class=\"_ _1\"></span>CL</span><span class=\"ffb\"> </span></div></td><td class=\"c x30f y1f7c wed h96\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(678)<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f7c wee h96\"><div class=\"t m0 x110 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f7c wef h96\"><div class=\"t m0 xe6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(678) </div></td></tr><tr><td class=\"c x2f8 y1f7d wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Lifetime E<span class=\"_ _1\"></span>CL<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f7d wed h97\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(4,580)<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f7d wee h97\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(2,<span class=\"ls1 ws1\">098</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x310 y1f7d wef h97\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(6,678) </div></td></tr><tr><td class=\"c x2f8 y1f7e wec h94\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Net loans and advances<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30f y1f7e wed h94\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">876,666<span class=\"ffa\"> </span></div></td><td class=\"c x30d y1f7e wee h94\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">52,454<span class=\"ffa\"> </span></div></td><td class=\"c x310 y1f7e wef h94\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">929,120 </div></td></tr></table>Interest inco<span class=\"_ _1\"></span>me recognised <span class=\"_ _1\"></span>during t<span class=\"_ _1\"></span>he financial yea<span class=\"_ _1\"></span>r ended 31 Decemb<span class=\"_ _1\"></span>er 2025 in res<span class=\"_ _1\"></span>pect of forborn<span class=\"_ _1\"></span>e exposures<span class=\"_ _1\"></span> amounted to<span class=\"_ _1\"></span> \u20ac2,287,000 (2024: \u20ac2,7<span class=\"_ _1\"></span>93,000).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The following t<span class=\"_ _1\"></span>able provid<span class=\"_ _1\"></span>es a detailed analysis o<span class=\"_ _1\"></span>f the credit quality of the Bank\u2019s lend<span class=\"_ _1\"></span>ing portfolio as<span class=\"_ _1\"></span> at 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">4:<span class=\"_ _1\"></span> </span><table class=\"s w202 h1c2\" id=\"_f7b29b58-806b-4770-9e2c-5fb490d6aab7\"><tr><td></td><td class=\"c x30f y1f7f wed h9e\"><div class=\"t m0 x107 h25 y979 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-</span>fo<span class=\"_ _1\"></span>rborne </div></td><td class=\"c x30d y1f7f wee h9e\"><div class=\"t m0 x113 h25 y979 ff1 fs8 fc0 sc0 ls29 ws9a\">Forborne </div></td><td></td></tr><tr><td></td><td class=\"c x30f y1f7f wed h9e\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30d y1f7f wee h9e\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x310 y1f7f wef h9e\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x30f y1f80 wed h96\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f80 wee h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f80 wef h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x30f y1f81 wed h97\"><div class=\"t m0 xe6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x30d y1f81 wee h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x310 y1f81 wef h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y1f82 wec h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Perform<span class=\"_ _1\"></span>ing <span class=\"ls1 ws1\">- <span class=\"ls27 ws97\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ls27 ws97\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f83 wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns which are no<span class=\"_ _1\"></span>t past <span class=\"_ _1\"></span>due<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f83 wed h97\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">689,885<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f83 wee h97\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f83 wef h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">689,885 </div></td></tr><tr><td class=\"c x2f8 y1f84 wec h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns which are pa<span class=\"_ _1\"></span>st due up t<span class=\"_ _1\"></span>o 30<span class=\"_ _1\"></span> days <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f84 wed h96\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9,379<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f84 wee h96\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f84 wef h96\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9,379 </div></td></tr><tr><td></td><td class=\"c x30f y1f85 wed hac\"><div class=\"t m0 xd6 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">699,264<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f85 wee hac\"><div class=\"t m0 x110 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f85 wef hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">699,264 </div></td></tr><tr><td class=\"c x2f8 y1f86 wec h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Perform<span class=\"_ _1\"></span>ing <span class=\"ls1 ws1\">- <span class=\"ls27 ws97\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ls27 ws97\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f87 wec h95\"><div class=\"t m0 xd h35 y3eb ff5 fs8 fc0 sc0 ls6b ws10a\">Loans w<span class=\"_ _0\"></span>hich are<span class=\"_ _11\"></span> no<span class=\"_ _1\"></span>t pas<span class=\"_ _0\"></span>t d<span class=\"_ _0\"></span>ue <span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f88 wec h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">P1 <span class=\"ffb\"> </span></div></td><td class=\"c x30f y1f88 wed h94\"><div class=\"t m0 x8f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">994<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f88 wee h94\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f88 wef h94\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">994 </div></td></tr><tr><td class=\"c x2f8 y1f89 wec h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">P2<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f89 wed h95\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">81,011<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f89 wee h95\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f89 wef h95\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">81,011 </div></td></tr><tr><td class=\"c x2f8 y1f8a wec h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">P3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f8a wed h94\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">24,265<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8a wee h94\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8a wef h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">24,265 </div></td></tr><tr><td class=\"c x2f8 y1f8b wec h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6f ws109\">PF<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f8b wed h95\"><div class=\"t m0 xf4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8b wee h95\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,567<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8b wef h95\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,567 </div></td></tr><tr><td class=\"c x2f8 y1f8c wec h96\"><div class=\"t m0 xd h35 y3eb ff5 fs8 fc0 sc0 ls6b ws10a\">Loans w<span class=\"_ _0\"></span>hich are<span class=\"_ _11\"></span> past due up t<span class=\"_ _0\"></span>o 9<span class=\"_ _0\"></span>0 days <span class=\"_ _0\"></span><span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f8d wec h97\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due <span class=\"_ _1\"></span>between 1<span class=\"_ _1\"></span> and 30 day<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f8d wed h97\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,155<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8d wee h97\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">838<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8d wef h97\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,993 </div></td></tr><tr><td class=\"c x2f8 y1f8e wec h96\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due <span class=\"_ _1\"></span>between 3<span class=\"_ _1\"></span>1 to 90 da<span class=\"_ _1\"></span>ys<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f8e wed h96\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,329<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8e wee h96\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8e wef h96\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,329 </div></td></tr><tr><td></td><td class=\"c x30f y1f8f wed h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">117,754<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f8f wee h94\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">13,405<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f8f wef h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">131,159 </div></td></tr><tr><td class=\"c x2f8 y1f90 wec h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">perfor<span class=\"_ _1\"></span>ming </span>\u2013 </span><span class=\"ls4\">Sta<span class=\"_ _1\"></span>ge 3</span><span class=\"ls4\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f91 wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Past due lo<span class=\"_ _1\"></span>ans by 90<span class=\"_ _1\"></span> days o<span class=\"_ _1\"></span>r more a<span class=\"_ _1\"></span>nd credit<span class=\"ls1 ws1\">-</span><span class=\"ws9c\">im<span class=\"_ _1\"></span>paired lo<span class=\"_ _1\"></span>ans</span><span class=\"ws9c\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x30f y1f91 wed h97\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,515<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f91 wee h97\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">38,310<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f91 wef h97\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">44,825 </div></td></tr><tr><td class=\"t m0 x311 h25 y1f92 ff1 fs8 fc0 sc0 ls29 ws98\">Past due lo<span class=\"_ _1\"></span>ans by 90<span class=\"_ _1\"></span> days o<span class=\"_ _1\"></span>r more a<span class=\"_ _1\"></span>nd credit<span class=\"ls1 ws1\">-</span><span class=\"ws9c\">im<span class=\"_ _1\"></span>paired lo<span class=\"_ _1\"></span>ans</span><span class=\"ws9c\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x312 h25 y1f93 ff1 fs8 fc0 sc0 ls2a ws99\">that are subject to ju<span class=\"_ _1\"></span>dicial action <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x30f y1f94 wed h9e\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,629<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f94 wee h9e\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">233<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f94 wef h9e\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,862 </div></td></tr><tr><td></td><td class=\"c x30f y1f95 wed hbc\"><div class=\"t m0 xcd h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">12,144<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f95 wee hbc\"><div class=\"t m0 xd7 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">38,543<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f95 wef hbc\"><div class=\"t m0 xd6 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">50,687 </div></td></tr><tr><td class=\"c x2f8 y1f96 wec h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Gross lo<span class=\"_ _1\"></span>ans and adv<span class=\"_ _1\"></span>ances<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f96 wed h97\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">829,162<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f96 wee h97\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,948<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f96 wef h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">881,110 </div></td></tr><tr><td class=\"c x2f8 y1f97 wec h96\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Expect<span class=\"_ _1\"></span>ed credit los<span class=\"_ _1\"></span>ses<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y1f98 wec h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws98\">month E<span class=\"_ _1\"></span>CL</span><span class=\"ffb\"> </span></div></td><td class=\"c x30f y1f98 wed h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(980)<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f98 wee h97\"><div class=\"t m0 x110 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f98 wef h97\"><div class=\"t m0 xe6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(980) </div></td></tr><tr><td class=\"c x2f8 y1f99 wec h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Lifetime E<span class=\"_ _1\"></span>CL<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f99 wed h96\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(5,224)<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f99 wee h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,216)<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f99 wef h96\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,440) </div></td></tr><tr><td class=\"c x2f8 y1f9a wec h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Net loans a<span class=\"_ _1\"></span>nd advanc<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30f y1f9a wed h97\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">822,958<span class=\"ffb\"> </span></div></td><td class=\"c x30d y1f9a wee h97\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">49,732<span class=\"ffb\"> </span></div></td><td class=\"c x310 y1f9a wef h97\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">872,690 </div></td></tr></table>During 2020, th<span class=\"_ _1\"></span>e Bank pa<span class=\"_ _1\"></span>rticipated in<span class=\"_ _1\"></span> the Malta Deve<span class=\"_ _1\"></span>lopment Ba<span class=\"_ _1\"></span>nk COVID<span class=\"ls1 ws1\">-<span class=\"ls5 ws45\">19 Gu<span class=\"_ _1\"></span>arant<span class=\"_ _1\"></span>ee Sch<span class=\"_ _1\"></span>eme, whereby<span class=\"_ _1\"></span> </span></span>the risk <span class=\"_ _0\"></span>of ne<span class=\"_ _0\"></span>wly ori<span class=\"_ _0\"></span>ginate<span class=\"_ _0\"></span>d loans <span class=\"_ _0\"></span>under t<span class=\"_ _0\"></span>he sc<span class=\"_ _0\"></span>heme<span class=\"_ _0\"></span> to viabl<span class=\"_ _0\"></span>e busine<span class=\"_ _0\"></span>sses e<span class=\"_ _0\"></span>xperie<span class=\"_ _0\"></span>ncing l<span class=\"_ _0\"></span>iquidity <span class=\"_ _0\"></span>pressure<span class=\"_ _0\"></span>s resul<span class=\"_ _1\"></span>ting fro<span class=\"_ _1\"></span>m the e<span class=\"_ _1\"></span>ffects<span class=\"_ _1\"></span> of the p<span class=\"_ _1\"></span>andemic<span class=\"_ _1\"></span> are mit<span class=\"_ _1\"></span><span class=\"ls8 wsa\">igate<span class=\"_ _0\"></span>d by a governm<span class=\"_ _0\"></span>ent gua<span class=\"_ _0\"></span>rantee<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span></span>In this resp<span class=\"_ _1\"></span>ect, as at 31 December 2025, gross<span class=\"_ _1\"></span> loans sub<span class=\"_ _1\"></span>ject to the Malta Development<span class=\"_ _1\"></span> Bank COVID<span class=\"ls1 ws1\">-</span><span class=\"ws8\">19 </span>Guarantee Sche<span class=\"_ _1\"></span>me amount<span class=\"_ _1\"></span>ed to \u20ac1.6 million<span class=\"_ _1\"></span> (2024: \u20ac3.7 millio<span class=\"_ _1\"></span>n), of which<span class=\"_ _1\"></span> a maximum amou<span class=\"_ _1\"></span>nt of \u20ac1.4 million (2024: <span class=\"_ _1\"></span>\u20ac3.4 million<span class=\"_ _1\"></span>) is cons<span class=\"_ _1\"></span>idered guaran<span class=\"_ _1\"></span>teed, tho<span class=\"ls8 ws11\">ugh subject to an over<span class=\"_ _0\"></span>all cappi<span class=\"_ _11\"></span>ng of \u20ac<span class=\"ls6 ws8\">0.<span class=\"wsd\">7 million<span class=\"_ _1\"></span> </span></span></span>(2024: \u20ac1.7 mil<span class=\"_ _1\"></span>lion). As a<span class=\"_ _1\"></span>t 31 December <span class=\"_ _1\"></span>2025, origin<span class=\"_ _1\"></span>ated gro<span class=\"_ _1\"></span>ss loans, u<span class=\"_ _1\"></span>nder this<span class=\"_ _1\"></span> scheme, classi<span class=\"_ _1\"></span>fied as Stag<span class=\"_ _1\"></span>e 1, Stage 2 and St<span class=\"_ _1\"></span>age 3 amounted to \u20ac1.4 million<span class=\"_ _1\"></span> (2024: \u20ac2.4 millio<span class=\"_ _1\"></span>n), \u20ac0.1 m<span class=\"ws8\">illion<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span></span>(2024: \u20ac1.1 million) an<span class=\"_ _1\"></span>d \u20ac0.1 million<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span><span class=\"ws8\">(2024: <span class=\"ls1 ws1\">\u20ac</span></span>0.2 millio<span class=\"_ _1\"></span>n) respecti<span class=\"_ _1\"></span>vely.<span class=\"ls1 ws1\"> </span>The total ECL all<span class=\"_ _0\"></span>owance in re<span class=\"_ _0\"></span>spect of loans<span class=\"_ _0\"></span> subject to <span class=\"_ _0\"></span>the M<span class=\"_ _0\"></span>alta Developm<span class=\"_ _0\"></span>ent Bank COVID<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws1a\">19 Gua<span class=\"_ _1\"></span>rantee<span class=\"_ _1\"></span> </span></span>Scheme was ins<span class=\"_ _1\"></span>ignificant.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>2.3.9<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Modificatio<span class=\"_ _1\"></span>n of financial<span class=\"_ _1\"></span> assets<span class=\"ls1 ws1\"> </span></span>The con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al terms<span class=\"_ _1\"></span> of a loan<span class=\"_ _1\"></span> may be rev<span class=\"_ _1\"></span>ised for<span class=\"_ _1\"></span> a number of rea<span class=\"_ _1\"></span>son<span class=\"_ _1\"></span>s, in<span class=\"_ _1\"></span>cluding cha<span class=\"_ _1\"></span>nges in<span class=\"_ _1\"></span> market conditions, c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span> rete<span class=\"_ _0\"></span>ntion and other f<span class=\"_ _0\"></span>actors tha<span class=\"_ _0\"></span>t are not rel<span class=\"_ _0\"></span>ated to t<span class=\"_ _0\"></span>he credit qua<span class=\"_ _0\"></span>lity of a custom<span class=\"_ _0\"></span>er. Forbea<span class=\"_ _1\"></span>rance m<span class=\"_ _1\"></span>easu<span class=\"_ _1\"></span>res comp<span class=\"_ _1\"></span>ris<span class=\"_ _1\"></span>e conces<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s mad<span class=\"_ _1\"></span>e on<span class=\"ls1 ws1\"> <span class=\"_ _14\"> </span><span class=\"ls7 ws54\">the contractual term<span class=\"_ _0\"></span>s of a loan in response to a </span></span>customer\u2019s<span class=\"_ _1\"></span> financial dif<span class=\"_ _1\"></span>ficulties<span class=\"_ _1\"></span>. The Group ca<span class=\"_ _1\"></span>tegorises<span class=\"_ _1\"></span> loans<span class=\"_ _1\"></span> on which con<span class=\"_ _1\"></span>cessions<span class=\"_ _1\"></span> have been gran<span class=\"_ _1\"></span>ted under condi<span class=\"_ _0\"></span>tions of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> dif<span class=\"_ _0\"></span>ficul<span class=\"_ _0\"></span>ties as \u2018forbo<span class=\"_ _0\"></span>rne loans<span class=\"_ _0\"></span>\u2019 whe<span class=\"_ _0\"></span>n their<span class=\"_ _0\"></span> contract<span class=\"_ _0\"></span>ual paym<span class=\"_ _0\"></span>ent te<span class=\"_ _0\"></span>rms have<span class=\"ls1 ws1\"> </span>been re<span class=\"_ _0\"></span>vised, be<span class=\"_ _0\"></span>cause of<span class=\"_ _0\"></span> sign<span class=\"_ _0\"></span>ific<span class=\"_ _0\"></span>ant conce<span class=\"_ _0\"></span>rns about t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>stomer<span class=\"_ _0\"></span>\u2019s ability t<span class=\"_ _0\"></span>o me<span class=\"_ _0\"></span>et c<span class=\"_ _0\"></span>ontractual<span class=\"_ _0\"></span> payment<span class=\"_ _0\"></span>s when due<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span>When cons<span class=\"_ _1\"></span>idering whethe<span class=\"_ _1\"></span>r there is sign<span class=\"_ _1\"></span>ificant con<span class=\"_ _1\"></span>cern rega<span class=\"_ _1\"></span>rding a cus<span class=\"_ _1\"></span>tomer\u2019s abil<span class=\"_ _1\"></span>ity to meet con<span class=\"_ _1\"></span>tractual loan repaym<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>hen due<span class=\"_ _0\"></span>, the<span class=\"_ _0\"></span> Group as<span class=\"_ _0\"></span>sesses<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>usto<span class=\"_ _0\"></span>mer\u2019<span class=\"_ _0\"></span>s delinque<span class=\"_ _0\"></span>ncy stat<span class=\"_ _0\"></span>us, acc<span class=\"_ _0\"></span>ount beha<span class=\"_ _0\"></span>viour,<span class=\"_ _0\"></span> repayme<span class=\"_ _0\"></span>nt history,<span class=\"_ _0\"></span> current<span class=\"_ _0\"></span> financi<span class=\"_ _0\"></span>al situati<span class=\"_ _0\"></span>on and cont<span class=\"_ _0\"></span>inued<span class=\"_ _0\"></span> ability t<span class=\"_ _0\"></span>o repay. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>If the c<span class=\"_ _0\"></span>ustome<span class=\"_ _0\"></span>r is not me<span class=\"_ _0\"></span>eting<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>tual re<span class=\"_ _0\"></span>payments or<span class=\"_ _0\"></span> it i<span class=\"_ _0\"></span>s evident t<span class=\"_ _0\"></span>hat the<span class=\"_ _0\"></span> clie<span class=\"_ _0\"></span>nt wil<span class=\"_ _0\"></span>l be unable<span class=\"_ _0\"></span> to do so withou<span class=\"_ _1\"></span>t the renegotiati<span class=\"_ _1\"></span>on, there will b<span class=\"_ _1\"></span>e a significant<span class=\"_ _1\"></span> concern rega<span class=\"_ _1\"></span>rding the abi<span class=\"_ _1\"></span>lity to meet con<span class=\"_ _1\"></span>tractual payments<span class=\"_ _1\"></span>. Indicator<span class=\"_ _1\"></span>s of significan<span class=\"_ _1\"></span>t conc<span class=\"ls8 wsa\">erns regar<span class=\"_ _0\"></span>ding a borr<span class=\"_ _0\"></span>ower<span class=\"_ _0\"></span>\u2019s ability t<span class=\"_ _0\"></span>o pay include<span class=\"_ _0\"></span>:<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">the custom<span class=\"_ _0\"></span>er is c<span class=\"_ _0\"></span>urrentl<span class=\"_ _0\"></span>y in def<span class=\"_ _0\"></span>ault on any of i<span class=\"_ _0\"></span>ts debt;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 ws13\">the custom<span class=\"_ _0\"></span>er has <span class=\"_ _0\"></span>decl<span class=\"_ _0\"></span>ared or i<span class=\"_ _0\"></span>s in the<span class=\"_ _0\"></span> proce<span class=\"_ _0\"></span>ss of de<span class=\"_ _0\"></span>clari<span class=\"_ _0\"></span>ng bankruptc<span class=\"_ _0\"></span>y or e<span class=\"_ _0\"></span>ntering<span class=\"_ _0\"></span> into a<span class=\"_ _0\"></span> sim<span class=\"_ _0\"></span>ilar proc<span class=\"_ _0\"></span>ess;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">there<span class=\"_ _0\"></span> is signif<span class=\"_ _0\"></span>icant doubt as t<span class=\"_ _0\"></span>o whe<span class=\"_ _0\"></span>ther t<span class=\"_ _0\"></span>he custom<span class=\"_ _0\"></span>er will<span class=\"_ _0\"></span> continue to be<span class=\"_ _0\"></span> a going c<span class=\"_ _0\"></span>oncer<span class=\"_ _0\"></span>n; and<span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws2b\">the Gro<span class=\"_ _1\"></span>up for<span class=\"_ _1\"></span>ecas<span class=\"_ _1\"></span>ts th<span class=\"_ _1\"></span>at the c<span class=\"_ _1\"></span>us<span class=\"_ _1\"></span>tomer\u2019s<span class=\"_ _1\"></span> entit<span class=\"_ _1\"></span>y</span><span class=\"ff1\">-<span class=\"ls6 ws12\">specific cas<span class=\"_ _1\"></span>h flows <span class=\"_ _1\"></span>will be ins<span class=\"_ _1\"></span>ufficient t<span class=\"_ _1\"></span>o service th<span class=\"_ _1\"></span>e debt </span></span></span>(both in<span class=\"_ _1\"></span>terest and p<span class=\"_ _1\"></span>rincipal) in accord<span class=\"_ _1\"></span>ance with the con<span class=\"_ _1\"></span>tractua<span class=\"_ _1\"></span>l terms of the existin<span class=\"_ _1\"></span>g agreement through ma<span class=\"_ _0\"></span>turity.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>A rang<span class=\"_ _1\"></span>e of forbea<span class=\"_ _1\"></span>rance <span class=\"_ _1\"></span>meas<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>re employ<span class=\"_ _1\"></span>ed by<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p in o<span class=\"_ _1\"></span>rder to<span class=\"_ _1\"></span> improv<span class=\"_ _1\"></span>e the mana<span class=\"_ _1\"></span>gement<span class=\"_ _1\"></span> of customer relatio<span class=\"_ _1\"></span>nships<span class=\"_ _1\"></span>, maximise colle<span class=\"_ _1\"></span>ction oppo<span class=\"_ _1\"></span>rtunities and<span class=\"_ _1\"></span>, if possible, a<span class=\"_ _1\"></span>void default or cal<span class=\"_ _1\"></span>l<span class=\"ls1 ws1\">-<span class=\"ls5 ws3e\">in of </span></span>facilit<span class=\"_ _1\"></span>ies. They<span class=\"_ _1\"></span> inclu<span class=\"_ _1\"></span>de exten<span class=\"_ _1\"></span>ded<span class=\"_ _1\"></span> paymen<span class=\"_ _1\"></span>t terms<span class=\"_ _1\"></span>, a reduc<span class=\"ls6 wsd\">t<span class=\"_ _1\"></span>ion in principa<span class=\"_ _1\"></span>l repayments, the deferral of call<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span>in of facilitie<span class=\"_ _0\"></span>s and other forms of loan modifications. T<span class=\"_ _0\"></span>he Group\u2019s policies and procedures in this area all<span class=\"_ _0\"></span>ow the Group to provide a cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>r with terms and condition<span class=\"_ _0\"></span>s that are more<span class=\"_ _0\"></span> favourable than those <span class=\"ls8 ws16\">pr<span class=\"_ _0\"></span>ovide<span class=\"_ _0\"></span>d </span>initiall<span class=\"_ _0\"></span>y. Loan<span class=\"_ _0\"></span> forbe<span class=\"_ _0\"></span>arance<span class=\"_ _0\"></span> is only g<span class=\"_ _0\"></span>ranted i<span class=\"_ _11\"></span>n situations whe<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span> custom<span class=\"_ _0\"></span>er has<span class=\"_ _0\"></span> shown a<span class=\"_ _0\"></span> wi<span class=\"_ _0\"></span>llingne<span class=\"_ _0\"></span>ss to re<span class=\"_ _0\"></span>pay the lo<span class=\"_ _1\"></span>an an<span class=\"_ _1\"></span>d is exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> to be a<span class=\"_ _1\"></span>ble to<span class=\"_ _1\"></span> meet t<span class=\"_ _1\"></span>he rev<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> obliga<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span>. The <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span>\u2019s cred<span class=\"_ _1\"></span>it ri<span class=\"_ _1\"></span>sk man<span class=\"_ _1\"></span>agemen<span class=\"_ _1\"></span>t policies s<span class=\"_ _1\"></span>et out restrictio<span class=\"_ _1\"></span>ns on <span class=\"ls5 ws28\">t<span class=\"_ _1\"></span>he numb<span class=\"_ _1\"></span>er and<span class=\"_ _1\"></span> frequen<span class=\"_ _1\"></span>cy o<span class=\"_ _1\"></span>f forbea<span class=\"_ _1\"></span>ranc<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>nd th<span class=\"_ _1\"></span>e minimu<span class=\"_ _1\"></span>m </span>period an ac<span class=\"_ _0\"></span>count m<span class=\"_ _0\"></span>ust have be<span class=\"_ _0\"></span>en ope<span class=\"_ _0\"></span>ned bef<span class=\"_ _0\"></span>ore any forbe<span class=\"_ _0\"></span>arance<span class=\"_ _0\"></span> measure<span class=\"_ _0\"></span> can be co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span>For th<span class=\"_ _1\"></span>e purp<span class=\"_ _1\"></span>oses of d<span class=\"_ _1\"></span>etermi<span class=\"_ _1\"></span>ning wh<span class=\"_ _1\"></span>ether ch<span class=\"_ _1\"></span>anges<span class=\"_ _1\"></span> to a cus<span class=\"_ _1\"></span>tomer\u2019s<span class=\"_ _1\"></span> agreem<span class=\"_ _1\"></span>ent sh<span class=\"_ _1\"></span>ould be t<span class=\"_ _1\"></span>reated<span class=\"_ _1\"></span> as forbea<span class=\"_ _1\"></span>rance t<span class=\"_ _1\"></span>he fol<span class=\"_ _1\"></span>lowin<span class=\"_ _1\"></span>g ty<span class=\"_ _1\"></span>pes o<span class=\"_ _1\"></span>f modifi<span class=\"_ _1\"></span>catio<span class=\"_ _1\"></span>n coul<span class=\"_ _1\"></span>d be r<span class=\"_ _1\"></span>egarded<span class=\"_ _1\"></span> as co<span class=\"_ _1\"></span>ncess<span class=\"_ _1\"></span>ionar<span class=\"_ _1\"></span>y in ca<span class=\"_ _1\"></span>ses wh<span class=\"_ _1\"></span>ere th<span class=\"_ _1\"></span>e customer is<span class=\"_ _1\"></span> in financial d<span class=\"_ _1\"></span>ifficulty:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">reduc<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f the st<span class=\"_ _1\"></span>ated in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rate for<span class=\"_ _1\"></span> the remai<span class=\"_ _1\"></span>ning o<span class=\"_ _1\"></span>rigin<span class=\"_ _1\"></span>al life o<span class=\"_ _1\"></span>f the deb<span class=\"_ _1\"></span>t;</span><span class=\"ff1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">extens<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f the matu<span class=\"_ _1\"></span>rity<span class=\"_ _1\"></span> date or<span class=\"_ _1\"></span> dates<span class=\"_ _1\"></span> at a s<span class=\"_ _1\"></span>tated<span class=\"_ _1\"></span> interest r<span class=\"_ _1\"></span>ate lower t<span class=\"_ _1\"></span>han t<span class=\"_ _1\"></span>he curr<span class=\"_ _1\"></span>ent m<span class=\"_ _1\"></span>arket ra<span class=\"_ _1\"></span>te for </span></span>new deb<span class=\"_ _1\"></span>t with s<span class=\"_ _1\"></span>imilar r<span class=\"_ _1\"></span>isk;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws6\">extens<span class=\"_ _1\"></span>ion o<span class=\"_ _1\"></span>f maturi<span class=\"_ _1\"></span>ty da<span class=\"_ _1\"></span>te or da<span class=\"_ _1\"></span>tes <span class=\"ls8 wsa\">without any</span></span><span class=\"ff1\"> <span class=\"ls6 ws8\">changes <span class=\"ls9 wsa\">to</span></span> <span class=\"ls9 ws8\">the interest rate</span>; </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reducti<span class=\"_ _0\"></span>on of the<span class=\"_ _0\"></span> face<span class=\"_ _0\"></span> amount or mat<span class=\"_ _0\"></span>urity amount<span class=\"_ _0\"></span> of the de<span class=\"_ _0\"></span>bt; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls8 wsa\">reducti<span class=\"_ _0\"></span>on of acc<span class=\"_ _0\"></span>rued int<span class=\"_ _0\"></span>erest.<span class=\"ls1 ws1\"> </span></span></span>Term exte<span class=\"_ _0\"></span>nsion is the<span class=\"_ _0\"></span> most comm<span class=\"_ _0\"></span>on type of modif<span class=\"_ _0\"></span>icatio<span class=\"_ _0\"></span>n granted by the G<span class=\"_ _0\"></span>roup. Ot<span class=\"_ _0\"></span>her types of c<span class=\"_ _0\"></span>oncession, namely<span class=\"_ _1\"></span> trans<span class=\"_ _1\"></span>fer to a<span class=\"_ _1\"></span>n inter<span class=\"_ _1\"></span>est<span class=\"ls1 ws1\">-</span>on<span class=\"_ _1\"></span>ly arra<span class=\"_ _1\"></span>ngement<span class=\"_ _1\"></span> or int<span class=\"_ _1\"></span>erest<span class=\"_ _1\"></span> rate ch<span class=\"_ _1\"></span>anges,<span class=\"_ _1\"></span> occur<span class=\"_ _1\"></span> less o<span class=\"_ _1\"></span>ften.<span class=\"ls1 ws1\"> </span>In ass<span class=\"_ _1\"></span>essin<span class=\"_ _1\"></span>g wheth<span class=\"_ _1\"></span>er forbea<span class=\"_ _1\"></span>rance is<span class=\"_ _1\"></span> a susta<span class=\"_ _1\"></span>inab<span class=\"_ _1\"></span>le strateg<span class=\"_ _1\"></span>y, the cu<span class=\"_ _1\"></span>stomer\u2019<span class=\"_ _1\"></span>s enti<span class=\"_ _1\"></span>re expos<span class=\"_ _1\"></span>ures are r<span class=\"_ _1\"></span>eviewed<span class=\"_ _1\"></span> and the custom<span class=\"_ _0\"></span>er\u2019s abi<span class=\"_ _0\"></span>lity to meet t<span class=\"_ _0\"></span>he terms i<span class=\"_ _0\"></span>n relation to the r<span class=\"_ _0\"></span>evised o<span class=\"_ _0\"></span>bligations and othe<span class=\"_ _0\"></span>r unchange<span class=\"_ _0\"></span>d credit faciliti<span class=\"_ _1\"></span>es is cons<span class=\"_ _1\"></span>idered. In all ca<span class=\"_ _1\"></span>ses, <span class=\"ls5 ws16\">forb<span class=\"_ _1\"></span>earan<span class=\"_ _1\"></span>ce is on<span class=\"_ _1\"></span>ly grant<span class=\"_ _1\"></span>ed when t<span class=\"_ _1\"></span>he cus<span class=\"_ _1\"></span>tomer i<span class=\"_ _1\"></span>s exp<span class=\"_ _1\"></span>ected to<span class=\"_ _1\"></span> be </span>able t<span class=\"_ _1\"></span>o meet t<span class=\"_ _1\"></span>he rev<span class=\"_ _1\"></span>ised t<span class=\"_ _1\"></span>erms.<span class=\"_ _1\"></span> When c<span class=\"_ _1\"></span>onsid<span class=\"_ _1\"></span>ering a<span class=\"_ _1\"></span>ccept<span class=\"_ _1\"></span>ab<span class=\"_ _1\"></span>le modifi<span class=\"_ _1\"></span>ed ter<span class=\"_ _1\"></span>ms th<span class=\"_ _1\"></span>e Gro<span class=\"_ _1\"></span>up co<span class=\"_ _1\"></span>nsid<span class=\"_ _1\"></span>ers th<span class=\"_ _1\"></span>e abili<span class=\"_ _1\"></span>ty of th<span class=\"_ _1\"></span>e cus<span class=\"_ _1\"></span>tomer to b<span class=\"_ _1\"></span>e able t<span class=\"_ _1\"></span>o serv<span class=\"_ _1\"></span>ice the rev<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t pay<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>s a n<span class=\"_ _1\"></span>ecessit<span class=\"_ _1\"></span>y. W<span class=\"ls8 ws3c\">hen principa<span class=\"_ _0\"></span>l </span>paymen<span class=\"_ _1\"></span>t mod<span class=\"_ _1\"></span>ificatio<span class=\"_ _1\"></span>ns ar<span class=\"_ _1\"></span>e utilis<span class=\"_ _1\"></span>ed, t<span class=\"_ _1\"></span>he Group<span class=\"_ _1\"></span> requi<span class=\"_ _1\"></span>res the cu<span class=\"_ _1\"></span>stomer t<span class=\"_ _1\"></span>o be ab<span class=\"_ _1\"></span>le to compl<span class=\"_ _1\"></span>y with th<span class=\"_ _1\"></span>e revised terms a<span class=\"_ _1\"></span>s a nec<span class=\"_ _1\"></span>essar<span class=\"_ _1\"></span>y pre<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">condition for<span class=\"_ _0\"></span> the re<span class=\"_ _0\"></span>structuring<span class=\"_ _0\"></span> to pr<span class=\"_ _0\"></span>ocee<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span></span></span>Generally,<span class=\"_ _1\"></span> forbearance is a q<span class=\"_ _1\"></span>ualitativ<span class=\"_ _1\"></span>e indicator o<span class=\"_ _1\"></span>f a significant in<span class=\"_ _1\"></span>crease in credit ris<span class=\"_ _1\"></span>k. <span class=\"ls1 ws1\"> </span>The ri<span class=\"_ _0\"></span>sk of defaul<span class=\"_ _0\"></span>t of modif<span class=\"_ _0\"></span>ied assets is assesse<span class=\"_ _0\"></span>d at the r<span class=\"_ _0\"></span>eporting<span class=\"_ _0\"></span> date and c<span class=\"_ _0\"></span>ompare<span class=\"_ _0\"></span>d with the ri<span class=\"_ _0\"></span>sk under the original t<span class=\"_ _1\"></span>erms at initial r<span class=\"_ _1\"></span>ecognition<span class=\"_ _1\"></span>. <span class=\"ls1 ws1\"> </span>When the modi<span class=\"_ _0\"></span>ficat<span class=\"_ _0\"></span>ion is not substanti<span class=\"_ _0\"></span>al it doe<span class=\"_ _0\"></span>s not result in de<span class=\"_ _0\"></span>recog<span class=\"_ _0\"></span>nition of the ori<span class=\"_ _0\"></span>ginal asset (<span class=\"_ _0\"></span>refer t<span class=\"_ _0\"></span>o note 1.4.5).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup moni<span class=\"_ _0\"></span>tors the subse<span class=\"_ _0\"></span>quent pe<span class=\"_ _0\"></span>rfor<span class=\"_ _0\"></span>mance<span class=\"_ _0\"></span> of <span class=\"ls7 ws84\">forborne loans<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls5 ws45\">and may<span class=\"_ _1\"></span> determine t<span class=\"_ _1\"></span>hat<span class=\"_ _1\"></span> the cred<span class=\"_ _1\"></span>it ris<span class=\"_ _1\"></span>k </span></span></span>has s<span class=\"_ _1\"></span>ignificantly impr<span class=\"_ _1\"></span>oved after restru<span class=\"_ _1\"></span>cturing: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws72\">modified<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets ar<span class=\"_ _1\"></span>e moved<span class=\"_ _1\"></span> fro<span class=\"_ _1\"></span>m \u2018Stage <span class=\"_ _1\"></span>3\u2019 (Li<span class=\"_ _1\"></span>feti<span class=\"_ _1\"></span>me ECL)<span class=\"_ _1\"></span> to \u2018<span class=\"_ _1\"></span>Stage 2\u2019 (<span class=\"_ _1\"></span>Lifeti<span class=\"_ _1\"></span>me E<span class=\"_ _1\"></span>CL) onl<span class=\"_ _1\"></span>y if t<span class=\"_ _1\"></span>hey ha<span class=\"_ _1\"></span>ve </span></span>perform<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance wit<span class=\"_ _1\"></span>h th<span class=\"_ _1\"></span>e new ter<span class=\"_ _1\"></span>ms for 1<span class=\"_ _1\"></span>2 cons<span class=\"_ _1\"></span>ecut<span class=\"_ _1\"></span>ive mont<span class=\"_ _1\"></span>hs;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws1a\">modified<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets ar<span class=\"_ _1\"></span>e moved fr<span class=\"_ _1\"></span>om \u2018Stag<span class=\"_ _1\"></span>e 3\u2019 (Lifeti<span class=\"_ _1\"></span>me ECL<span class=\"_ _1\"></span>) to \u2018St<span class=\"_ _1\"></span>age 1\u2019 (12<span class=\"_ _1\"></span></span><span class=\"ff1\">-<span class=\"ls8 ws1b\">month EC<span class=\"_ _0\"></span>L) only i<span class=\"_ _0\"></span>f they <span class=\"_ _0\"></span>have<span class=\"_ _11\"></span> </span></span></span>perform<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance wit<span class=\"_ _1\"></span>h th<span class=\"_ _1\"></span>e new ter<span class=\"_ _1\"></span>ms for 3<span class=\"_ _1\"></span>6 cons<span class=\"_ _1\"></span>ecut<span class=\"_ _1\"></span>ive mont<span class=\"_ _1\"></span>hs o<span class=\"_ _1\"></span>r more; an<span class=\"_ _1\"></span>d<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _9d\"> </span><span class=\"ff1 ls5 ws1a\">modified<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets ar<span class=\"_ _1\"></span>e moved fr<span class=\"_ _1\"></span>om \u2018Stag<span class=\"_ _1\"></span>e 2\u2019 (Lifeti<span class=\"_ _1\"></span>me E<span class=\"_ _1\"></span>CL) to \u2018<span class=\"_ _1\"></span>Stage 1\u2019<span class=\"_ _1\"></span> (12</span><span class=\"ff1\">-<span class=\"ls8 ws1b\">month ECL)<span class=\"_ _0\"></span> only if t<span class=\"_ _0\"></span>hey ha<span class=\"_ _0\"></span>ve </span></span></span>perform<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance wit<span class=\"_ _1\"></span>h th<span class=\"_ _1\"></span>e new ter<span class=\"_ _1\"></span>ms for 2<span class=\"_ _1\"></span>4 cons<span class=\"_ _1\"></span>ecut<span class=\"_ _1\"></span>ive mont<span class=\"_ _1\"></span>hs o<span class=\"_ _1\"></span>r more.<span class=\"ls1 ws1\"> </span>A non<span class=\"ws1\">-<span class=\"ls5 ws28\">perfo<span class=\"_ _1\"></span>rmin<span class=\"_ _1\"></span>g forb<span class=\"_ _1\"></span>orne e<span class=\"_ _1\"></span>xpos<span class=\"_ _1\"></span>ure is<span class=\"_ _1\"></span> categor<span class=\"_ _1\"></span>ised a<span class=\"_ _1\"></span>s non<span class=\"_ _1\"></span></span>-<span class=\"ls8 ws5c\">forborne<span class=\"_ _0\"></span> upon the l<span class=\"_ _0\"></span>apse of 36 consec<span class=\"_ _0\"></span>utive </span></span>month<span class=\"_ _1\"></span>s of p<span class=\"_ _1\"></span>erforman<span class=\"_ _1\"></span>ce in acc<span class=\"_ _1\"></span>ord<span class=\"_ _1\"></span>ance with<span class=\"_ _1\"></span> the new t<span class=\"_ _1\"></span>erms<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span>The g<span class=\"_ _0\"></span>ross carryi<span class=\"_ _0\"></span>ng amount of<span class=\"_ _0\"></span> the asse<span class=\"_ _0\"></span>ts subje<span class=\"_ _0\"></span>ct to modi<span class=\"_ _0\"></span>fica<span class=\"_ _0\"></span>tions descr<span class=\"_ _0\"></span>ibed above<span class=\"_ _0\"></span>, not c<span class=\"_ _0\"></span>onsidere<span class=\"_ _0\"></span>d as forbearance act<span class=\"_ _1\"></span>ivities, as<span class=\"_ _1\"></span> at 31 December 202<span class=\"ls1 ws1\">5 <span class=\"ls8 wsa\">a<span class=\"_ _1\"></span>mounted to </span></span><span class=\"ws8\">\u20ac11,940,000<span class=\"ls1 ws1\"> </span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws74\">: \u20ac</span></span>14,687<span class=\"_ _1\"></span>,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span>The G<span class=\"_ _0\"></span>roup conti<span class=\"_ _0\"></span>nues to moni<span class=\"_ _11\"></span>tor if there i<span class=\"_ _0\"></span>s a subseque<span class=\"_ _0\"></span>nt s<span class=\"_ _0\"></span>ignif<span class=\"_ _0\"></span>icant i<span class=\"_ _0\"></span>ncrease<span class=\"_ _0\"></span> in cre<span class=\"_ _0\"></span>dit risk i<span class=\"_ _0\"></span>n relat<span class=\"_ _0\"></span>ion to forborne loans <span class=\"ls5 ws6\">that mov<span class=\"_ _1\"></span>ed from S<span class=\"_ _1\"></span>tage 3 (L<span class=\"_ _1\"></span>ifeti<span class=\"_ _1\"></span>me ECL<span class=\"_ _1\"></span>) or \u2018Sta<span class=\"_ _1\"></span>ge 2\u2019 (Lif<span class=\"_ _1\"></span>etim<span class=\"_ _1\"></span>e ECL) to<span class=\"_ _1\"></span> \u2018Sta<span class=\"_ _1\"></span>ge 1\u2019.<span class=\"_ _1\"></span></span><span class=\"ls1\"> </span>The m<span class=\"_ _0\"></span>ovement i<span class=\"_ _0\"></span>n the car<span class=\"_ _0\"></span>rying amount of<span class=\"_ _0\"></span> forbor<span class=\"_ _0\"></span>ne loans and ad<span class=\"_ _0\"></span>vances, be<span class=\"_ _0\"></span>fore<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redit loss allowances,<span class=\"_ _1\"></span> is analys<span class=\"_ _1\"></span>ed below:<span class=\"ls1 ws1\"> </span><table class=\"s w204 h1c4\" id=\"_5bcf1ff5-09ab-484a-add8-fbbffc74acab\"><tr><td></td><td class=\"c x318 y1fa3 w80 h97\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">             <span class=\"ls28 ws0\"></span><span class=\"ls28 ws0\"></span><span class=\"ls28 ws0\">Forborne exposure<span class=\"_ _1\"></span>s</span><span class=\"ff1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x318 y1fa4 wf1 h96\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x319 y1fa4 wb h96\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x318 y1fa5 wf1 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x319 y1fa5 wb h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x31a y1fa6 w58 ha6\"><div class=\"t m0 x7e h25 y179 ff1 fs8 fc0 sc0 ls29 ws98\">At 1 Januar<span class=\"_ _1\"></span>y<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x318 y1fa6 wf1 ha6\"><div class=\"t m0 x49 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">51,948<span class=\"ffa\"> </span></div></td><td class=\"t m0 x31b h25 y1fa7 ff1 fs8 fc0 sc0 ls1 ws1\">61,441<span class=\"_ _bc\"> </span></td></tr><tr><td class=\"c x31a y1fa8 w58 ha4\"><div class=\"t m0 x7e h25 y338 ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns to whic<span class=\"_ _1\"></span>h forbeara<span class=\"_ _1\"></span>nce mea<span class=\"_ _1\"></span>sures have b<span class=\"_ _1\"></span>een ex<span class=\"_ _1\"></span>tended duri<span class=\"_ _1\"></span>ng the y<span class=\"_ _1\"></span>ear<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x318 y1fa8 wf1 ha4\"><div class=\"t m0 x49 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">16,001<span class=\"ffa\"> </span></div></td><td class=\"t m0 x31b h25 y1fa9 ff1 fs8 fc0 sc0 ls1 ws1\">15,633<span class=\"_ _bc\"> </span></td></tr><tr><td class=\"c x31a y1faa w58 ha6\"><div class=\"t m0 x7e h25 y179 ff1 fs8 fc0 sc0 ls6a ws10c\">Repayments<span class=\"_ _bc\"> </span></div></td><td class=\"c x318 y1faa wf1 ha6\"><div class=\"t m0 x10b h35 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(1,4<span class=\"ls1 ws1\">57</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"t m0 x31c h25 y1fab ff1 fs8 fc0 sc0 ls1 ws1\">(10,439)<span class=\"_ _bc\"> </span></td></tr><tr><td class=\"c x31a y1fac w58 ha5\"><div class=\"t m0 x7e h25 y338 ff1 fs8 fc0 sc0 ls2a ws99\">Retired from forbo<span class=\"_ _1\"></span>rne<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x318 y1fac wf1 ha5\"><div class=\"t m0 x4f h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(11,940)<span class=\"ffa\"> </span></div></td><td class=\"t m0 x31c h25 y1fad ff1 fs8 fc0 sc0 ls1 ws1\">(14,687)<span class=\"_ _bc\"> </span></td></tr><tr><td class=\"c x31a y1fae w58 ha6\"><div class=\"t m0 x7e h35 y179 ff3 fs8 fc0 sc0 ls1 ws9b\">At 31 December<span class=\"ffa ws1\"> </span></div></td><td class=\"c x318 y1fae wf1 ha6\"><div class=\"t m0 x49 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">54,552<span class=\"ffa\"> </span></div></td><td class=\"t m0 x31b h25 y1faf ff1 fs8 fc0 sc0 ls1 ws1\">51,948<span class=\"_ _bc\"> </span></td></tr></table>Forborne loans, gross of<span class=\"_ _0\"></span> <span class=\"ls5 ws6\">expected<span class=\"_ _1\"></span> credit </span><span class=\"ws4e\">allowances<span class=\"ls8 wsa\">, are analysed by ind<span class=\"_ _0\"></span>ustry<span class=\"_ _0\"></span> sector a<span class=\"_ _0\"></span>s fol<span class=\"_ _0\"></span>lows:<span class=\"ls1 ws1\"> </span></span></span><table class=\"s w203 h1c3\" id=\"_85370fb4-c6cb-4401-9142-c6118c7ddbee\"><tr><td></td><td class=\"c x314 y1f9b wb h95\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1f9b wf3 h95\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x314 y1f9c wb h94\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x315 y1f9c wf3 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x316 y1f9d wf2 h94\"><div class=\"t m0 x88 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Trade<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1f9d wb h94\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">4,138<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1f9d wf3 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,152 </div></td></tr><tr><td class=\"c x316 y1f9e wf2 h95\"><div class=\"t m0 x88 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Propert<span class=\"_ _1\"></span>y and const<span class=\"_ _1\"></span>ructio<span class=\"_ _1\"></span>n <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1f9e wb h95\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">30,814<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1f9e wf3 h95\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">37,176 </div></td></tr><tr><td class=\"c x316 y1f9f wf2 h94\"><div class=\"t m0 x88 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Persona<span class=\"_ _1\"></span>l, profess<span class=\"_ _1\"></span>ional<span class=\"_ _1\"></span> and hom<span class=\"_ _1\"></span>e loans<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1f9f wb h94\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,377<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1f9f wf3 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,346 </div></td></tr><tr><td class=\"c x316 y1fa0 wf2 h95\"><div class=\"t m0 xe2 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial institut<span class=\"_ _1\"></span>ions<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1fa0 wb h95\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">14,223<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1fa0 wf3 h95\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,013 </div></td></tr><tr><td class=\"c x316 y1fa1 wf2 h94\"><div class=\"t m0 xe2 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Other sectors<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x314 y1fa1 wb h94\"><div class=\"t m0 xf4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1fa1 wf3 h94\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">261 </div></td></tr><tr><td></td><td class=\"c x314 y1fa2 wb h95\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">54,552<span class=\"ffa\"> </span></div></td><td class=\"c x315 y1fa2 wf3 h95\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,948 </div></td></tr></table>As at 31 Dece<span class=\"_ _1\"></span>mber 202<span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span></span><span class=\"ws1f\">a<span class=\"_ _1\"></span>nd 202<span class=\"ls1 ws1\">4<span class=\"ls8 ws3c\">, forborne<span class=\"_ _0\"></span> loans mainly compr<span class=\"_ _0\"></span>ised of<span class=\"_ _0\"></span> exposures to cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs based in </span></span></span>Malta.<span class=\"_ _bc\"> </span>2.3.10 <span class=\"ls1 ws1\"> <span class=\"_ _2b\"></span><span class=\"ls7\">Loss allowance<span class=\"_ _0\"></span>s <span class=\"ls1\"> </span></span></span>Reconc<span class=\"_ _1\"></span>iliation o<span class=\"_ _1\"></span>f 12<span class=\"ls1 ws1\">-<span class=\"lsb ws24\">month and l<span class=\"_ _0\"></span>ifetime EC<span class=\"_ _0\"></span>L provis<span class=\"_ _0\"></span>ion<span class=\"ls1 ws1\"> </span></span></span>The loss allo<span class=\"_ _1\"></span>wance recognis<span class=\"_ _1\"></span>ed in the perio<span class=\"_ _1\"></span>d is impacted b<span class=\"_ _1\"></span>y a variety of factor<span class=\"_ _1\"></span>s, as des<span class=\"_ _1\"></span>cribed below:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">Transfers b<span class=\"_ _1\"></span>etween \u2018Stag<span class=\"_ _1\"></span>e 1\u2019 and \u2018Sta<span class=\"_ _1\"></span>ges 2\u2019 or \u20183\u2019 d<span class=\"_ _1\"></span>ue to financial i<span class=\"_ _1\"></span>nstruments<span class=\"_ _1\"></span> experiencing s<span class=\"_ _1\"></span>ignificant </span>increases (or<span class=\"_ _1\"></span> decreases) o<span class=\"_ _1\"></span>f credit risk<span class=\"_ _1\"></span> or becoming cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">impa<span class=\"_ _1\"></span>ired</span> <span class=\"_ _13\"></span><span class=\"lsa ws88\">(or cured)</span> <span class=\"_ _1\"></span><span class=\"ls8 ws1b\">in the period, and the<span class=\"_ _0\"></span> </span></span>consequent<span class=\"_ _0\"></span> \u2018step up<span class=\"_ _0\"></span>\u2019 (or \u2018ste<span class=\"_ _0\"></span>p dow<span class=\"_ _0\"></span>n\u2019) betw<span class=\"_ _0\"></span>een 12<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">month an<span class=\"_ _1\"></span>d Lifet<span class=\"_ _1\"></span>ime ECL<span class=\"_ _1\"></span>;</span> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">Additio<span class=\"_ _1\"></span>nal allowances<span class=\"_ _1\"></span> for new finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments recognised<span class=\"_ _1\"></span> during the p<span class=\"_ _1\"></span>eriod, as well as<span class=\"_ _1\"></span> releases </span>for fi<span class=\"_ _0\"></span>nancial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nts derecog<span class=\"_ _0\"></span>nised in the<span class=\"_ _0\"></span> peri<span class=\"_ _0\"></span>od upon ful<span class=\"_ _0\"></span>l repa<span class=\"_ _0\"></span>yment;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">Impact on the<span class=\"_ _0\"></span> measureme<span class=\"_ _0\"></span>nt of ECL due<span class=\"_ _0\"></span> to changes in P<span class=\"_ _0\"></span>Ds, EADs and LGDs i<span class=\"_ _0\"></span>n the period, a<span class=\"_ _0\"></span>rising f<span class=\"_ _0\"></span>rom </span>regula<span class=\"_ _1\"></span>r refres<span class=\"_ _1\"></span>hing<span class=\"_ _1\"></span> of inpu<span class=\"_ _1\"></span>ts to mo<span class=\"_ _1\"></span>dels;<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">Impacts on the<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt of ECL due t<span class=\"_ _0\"></span>o change<span class=\"_ _0\"></span>s made to m<span class=\"_ _0\"></span>odels and a<span class=\"_ _0\"></span>ssumpti<span class=\"_ _0\"></span>ons;<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">Discount unwi<span class=\"_ _0\"></span>nd within EC<span class=\"_ _0\"></span>L due<span class=\"_ _0\"></span> to the passag<span class=\"_ _0\"></span>e of t<span class=\"_ _0\"></span>ime,<span class=\"_ _0\"></span> as ECL i<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d on a prese<span class=\"_ _0\"></span>nt val<span class=\"_ _0\"></span>ue basis;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">Foreig<span class=\"_ _0\"></span>n exchange<span class=\"_ _0\"></span> retranslati<span class=\"_ _0\"></span>ons for asset<span class=\"_ _0\"></span>s denomina<span class=\"_ _0\"></span>ted in fore<span class=\"_ _0\"></span>ign cur<span class=\"_ _0\"></span>rencies and o<span class=\"_ _0\"></span>ther moveme<span class=\"_ _0\"></span>nts; </span>and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls5 ws22\">Fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s writt<span class=\"_ _1\"></span>en off d<span class=\"_ _1\"></span>ur<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e period<span class=\"_ _1\"></span> and r<span class=\"_ _1\"></span>evers<span class=\"_ _1\"></span>al o<span class=\"_ _1\"></span>f allowa<span class=\"_ _1\"></span>nces<span class=\"_ _1\"></span> relat<span class=\"_ _1\"></span>ed to a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s tha<span class=\"_ _1\"></span>t were </span>written<span class=\"_ _1\"></span> off.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><table class=\"s w205 h1c5\" id=\"_ca930357-ddb8-42c4-920c-ff62af39f3d7\"><tr><td class=\"t m0 x31e h3 y1fb0 ff1 fs1 fc0 sc0 ls8 wsa\">The f<span class=\"_ _0\"></span>ollowing t<span class=\"_ _0\"></span>ables e<span class=\"_ _0\"></span>xplain t<span class=\"_ _0\"></span>he chang<span class=\"_ _0\"></span>es in <span class=\"_ _0\"></span>the Gr<span class=\"_ _0\"></span>oup\u2019s los<span class=\"_ _0\"></span>s allow<span class=\"_ _0\"></span>ance be<span class=\"_ _0\"></span>twe<span class=\"_ _0\"></span>en the be<span class=\"_ _0\"></span>ginning and<span class=\"_ _0\"></span> the e<span class=\"_ _0\"></span>nd </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x31e h3 y1fb1 ff1 fs1 fc0 sc0 ls8 wsa\">of the annua<span class=\"_ _0\"></span>l perio<span class=\"_ _0\"></span>d:<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x31f y1fb2 wf6 hf9\"><div class=\"t m0 x31 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x31f y1fb3 wf7 he6\"><div class=\"t m0 xd4 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></div></td><td class=\"c x320 y1fb3 wf8 he6\"><div class=\"t m0 x11 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x321 y1fb3 wf9 he6\"><div class=\"t m0 xe1 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x322 h29 y1fb4 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span></td><td class=\"t m0 x323 h29 y1fb4 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time </td><td class=\"t m0 x324 h29 y1fb4 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time </td><td class=\"t m0 x325 h29 y1fb4 ff3 fs8 fc0 sc0 ls1 ws1\">Total </td></tr><tr><td></td><td class=\"c x31f y1fb3 wf7 he6\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x320 y1fb3 wf8 he6\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x321 y1fb3 wf9 he6\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x31f y1fb5 wf7 h97\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x320 y1fb5 wf8 h97\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x321 y1fb5 wf9 h97\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x326 y1fb5 wa7 h97\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fb6 wf5 h97\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at FVOCI<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fb7 wf5 h96\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffa ls1\"> </span></div></td><td class=\"c x31f y1fb7 wf7 h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">224<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fb7 wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fb7 wf9 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fb7 wa7 h96\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">224 </div></td></tr><tr><td class=\"c x327 y1fb8 wf5 h97\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x31f y1fb8 wf7 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(5)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x320 y1fb8 wf8 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fb8 wf9 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fb8 wa7 h97\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(5)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fb9 wf5 h97\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement credit during the year<span class=\"ffa ws1\"> </span></div></td><td class=\"c x31f y1fb9 wf7 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(5)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x320 y1fb9 wf8 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fb9 wf9 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fb9 wa7 h97\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(5)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fba wf5 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"ffa ws1\"> </span></div></td><td class=\"c x31f y1fba wf7 h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">219<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fba wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fba wf9 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fba wa7 h96\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">219 </div></td></tr><tr><td class=\"c x327 y1fbb wf5 h94\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at amortised cost<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fbc wf5 h95\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffa ls1\"> </span></div></td><td class=\"c x31f y1fbc wf7 h95\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">25<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fbc wf8 h95\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fbc wf9 h95\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fbc wa7 h95\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">25 </div></td></tr><tr><td class=\"c x327 y1fbd wf5 h94\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x31f y1fbd wf7 h94\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x320 y1fbd wf8 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fbd wf9 h94\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fbd wa7 h94\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x327 y1fbe wf5 h94\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement credit during the year<span class=\"ffa ws1\"> </span></div></td><td class=\"c x31f y1fbe wf7 h94\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x320 y1fbe wf8 h94\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fbe wf9 h94\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fbe wa7 h94\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x327 y1fbf wf5 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"ffa ws1\"> </span></div></td><td class=\"c x31f y1fbf wf7 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">13<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fbf wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fbf wf9 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fbf wa7 h96\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">13 </div></td></tr><tr><td class=\"c x327 y1fc0 wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to banks at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fc1 wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffa ls1\"> </span></div></td><td class=\"c x31f y1fc1 wf7 hfc\"><div class=\"t m0 x104 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fc1 wf8 hfc\"><div class=\"t m0 x10b h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc1 wf9 hfc\"><div class=\"t m0 xd9 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc1 wa7 hfc\"><div class=\"t m0 x10b h29 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x327 y1fc2 wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x31f y1fc2 wf7 hfc\"><div class=\"t m0 x69 h29 y11ec ff3 fs8 fc0 sc0 ls29 ws9a\">(6)<span class=\"_ _bc\"> </span></div></td><td class=\"c x320 y1fc2 wf8 hfc\"><div class=\"t m0 x10b h29 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x321 y1fc2 wf9 hfc\"><div class=\"t m0 xd9 h29 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x326 y1fc2 wa7 hfc\"><div class=\"t m0 x4f h29 y11ec ff3 fs8 fc0 sc0 ls29 ws9a\">(6)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fc3 wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement <span class=\"ls27 ws98\">credit<span class=\"_ _1\"></span></span><span class=\"ws1\"> <span class=\"ls28 ws0\">during the ye<span class=\"_ _1\"></span>ar</span></span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x31f y1fc3 wf7 hfc\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(6)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x320 y1fc3 wf8 hfc\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc3 wf9 hfc\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc3 wa7 hfc\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(6)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x327 y1fc4 wf5 hfc\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x31f y1fc4 wf7 hfc\"><div class=\"t m0 x104 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td><td class=\"c x320 y1fc4 wf8 hfc\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x321 y1fc4 wf9 hfc\"><div class=\"t m0 xd9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x326 y1fc4 wa7 hfc\"><div class=\"t m0 x10b h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x327 y1fc5 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ffd fs8 fc0 sc0 ls1 ws1\">Undrawn commitments<span class=\"ff1\"> <span class=\"ffb\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fc6 wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x31f y1fc6 wf7 h96\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">70<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fc6 wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc6 wf9 h96\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc6 wa7 h96\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">71 </div></td></tr><tr><td class=\"c x327 y1fc7 wf5 hdd\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y1fc7 wf7 hdd\"><div class=\"t m0 xd8 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">(70)<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fc7 wf8 hdd\"><div class=\"t m0 x10b h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc7 wf9 hdd\"><div class=\"t m0 xd6 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">21<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc7 wa7 hdd\"><div class=\"t m0 x26 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">(49) </div></td></tr><tr><td class=\"c x327 y1fc8 wf5 h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement (credit)<span class=\"ls29 ws9a\">/charge<span class=\"_ _1\"></span></span><span class=\"ws1\"> <span class=\"ls28 ws0\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffa\"> </span></span></div></td><td class=\"c x31f y1fc8 wf7 h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(70)<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fc8 wf8 h96\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fc8 wf9 h96\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">21<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fc8 wa7 h96\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(49) </div></td></tr><tr><td class=\"t m0 x328 h29 y1fc9 ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at<span class=\"ws1\"> </span>31 December <span class=\"ws1\">2025</span><span class=\"ws1\"><span class=\"ffb\"> </span></span></td><td class=\"c x31f y1fca wf7 hff\"><div class=\"t m0 x11e h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fca wf8 hff\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fca wf9 hff\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">22<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fca wa7 hff\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">22 </div></td></tr><tr><td class=\"c x327 y1fcb wf5 hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Conting<span class=\"_ _1\"></span>ent lia<span class=\"_ _1\"></span>bilitie<span class=\"_ _1\"></span>s<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y1fcc wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y1fcc wf7 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">11<span class=\"ffa\"> </span></div></td><td class=\"c x320 y1fcc wf8 h97\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fcc wf9 h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fcc wa7 h97\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">11 </div></td></tr><tr><td class=\"c x327 y1fcd wf5 hab\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y1fcd wf7 hab\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                    <span class=\"ws1\">-<span class=\"ffa\"> </span></span></div></td><td class=\"c x320 y1fcd wf8 hab\"><div class=\"t m0 x10b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x321 y1fcd wf9 hab\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x326 y1fcd wa7 hab\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                 <span class=\"ws1\">- </span></div></td></tr><tr><td class=\"c x327 y1fce wf5 h100\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement <span class=\"ls29 ws9a\">(credit)/<span class=\"_ _1\"></span>charg<span class=\"_ _1\"></span>e</span><span class=\"ws1\"> <span class=\"ls28 ws0\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffa\"> </span></span></div></td><td class=\"c x31f y1fce wf7 h100\"><div class=\"t m0 x88 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                   <span class=\"ws1\">-<span class=\"ffa\"> </span></span></div></td><td class=\"c n x329 y1fcf w206 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32a y1fcf w206 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">-</div></td><td class=\"c x326 y1fce wa7 h100\"><div class=\"t m0 x84 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                <span class=\"ws1\">- </span></div></td></tr><tr><td class=\"c n x32b y1fd0 w207 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32c y1fd0 w208 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">11<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32d y1fd0 w209 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32e y1fd0 w209 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32f y1fd0 w208 h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">11<span class=\"_ _bc\"> </span></div></td></tr></table><table class=\"s w20a h1c7\" id=\"_938b466f-210a-48d8-b997-8a4d696c1c2b\"><tr><td></td><td></td><td></td><td class=\"c x2f4 y1fd1 wfb h102\"><div class=\"t m0 x135 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x330 h29 y1fd2 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></td><td class=\"t m0 x331 h29 y1fd2 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </td><td class=\"t m0 x332 h29 y1fd2 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x333 h29 y1fd3 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span></td><td class=\"t m0 x334 h29 y1fd3 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x335 h29 y1fd3 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x336 h29 y1fd3 ff3 fs8 fc0 sc0 ls1 ws1\">Total </td></tr><tr><td></td><td class=\"t m0 x337 h35 y1fd4 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td class=\"t m0 x338 h35 y1fd4 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls3 ws114\">ECL</span><span class=\"ffa\"> </span></td><td class=\"t m0 x339 h35 y1fd4 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f4 y1fd5 wfc h94\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33a y1fd5 w1e h94\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33b y1fd5 w53 h94\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33c y1fd5 wd5 h94\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x33d y1fd6 wfa h95\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fd7 wfa hbc\"><div class=\"t m0 x10 h35 y338 ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fd8 wfa hdd\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffb ls1\"> </span></div></td><td class=\"c x2f4 y1fd8 wfc hdd\"><div class=\"t m0 xd6 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 714 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fd8 w1e hdd\"><div class=\"t m0 x4f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 411 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fd8 w53 hdd\"><div class=\"t m0 x4f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 6,361 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fd8 wd5 hdd\"><div class=\"t m0 x26 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 7,486  </div></td></tr><tr><td class=\"c x33d y1fd9 wfa hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fda wfa hd5\"><div class=\"t m0 xe2 h25 y338 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2</div></td><td class=\"c x2f4 y1fda wfc hd5\"><div class=\"t m0 xd6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">6</span>5)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fda w1e hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> 65 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fda w53 hd5\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span><span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fda wd5 hd5\"><div class=\"t m0 x104 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span> </div></td></tr><tr><td class=\"c x33d y1fdb wfa hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fdb wfc hac\"><div class=\"t m0 xcd h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 17 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fdb w1e hac\"><div class=\"t m0 x4f h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> (17)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fdb w53 hac\"><div class=\"t m0 x46 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span><span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fdb wd5 hac\"><div class=\"t m0 x104 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span> </div></td></tr><tr><td class=\"c x33d y1fdc wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fdc wfc hd5\"><div class=\"t m0 x69 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span><span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fdc w1e hd5\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> 9 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fdc w53 hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(9)</span><span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fdc wd5 hd5\"><div class=\"t m0 x104 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span> </div></td></tr><tr><td class=\"c x33d y1fdd wfa h104\"><div class=\"t m0 xe2 h25 ye52 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fdd wfa h104\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers</span></div></td><td class=\"c x2f4 y1fdd wfc h104\"><div class=\"t m0 xd6 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\"> (13)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fdd w1e h104\"><div class=\"t m0 x4f h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\"> 165 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fdd w53 h104\"><div class=\"t m0 x46 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\"> -<span class=\"ws9b\">   </span></div></td><td class=\"t m0 x33e h29 y1fde ff3 fs8 fc0 sc0 ls1 ws1\"> 152  </td></tr><tr><td class=\"c x33d y1fdf wfa h105\"><div class=\"t m0 x10 h25 y979 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fdf wfa h105\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y1fdf wfc h105\"><div class=\"t m0 xd6 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">6</span>1)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fdf w1e h105\"><div class=\"t m0 x4f h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> 222</div></td><td class=\"c x33b y1fdf w53 h105\"><div class=\"t m0 x6b h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(9)</span></div></td><td class=\"t m0 x33e h29 y1fe0 ff3 fs8 fc0 sc0 ls1 ws1\"> 152  </td></tr><tr><td class=\"c x33d y1fe1 wfa hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fe1 wfc hac\"><div class=\"t m0 xd6 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 139 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe1 w1e hac\"><div class=\"t m0 x4f h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 157 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe1 w53 hac\"><div class=\"t m0 x6b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 44 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe1 wd5 hac\"><div class=\"t m0 x49 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> 340  </div></td></tr><tr><td class=\"t m0 x2f8 h25 y1fe2 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fe3 wfa h105\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)* </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y1fe3 wfc h105\"><div class=\"t m0 xe5 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">36</span>1)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe3 w1e h105\"><div class=\"t m0 x26 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">14</span>4)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe3 w53 h105\"><div class=\"t m0 x125 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> 326 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe3 wd5 h105\"><div class=\"t m0 xb5 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> (179) </div></td></tr><tr><td class=\"c x33d y1fe4 wfa had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fe4 wfc had\"><div class=\"t m0 xd6 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> (32)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe4 w1e had\"><div class=\"t m0 x10b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(7)</span><span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe4 w53 had\"><div class=\"t m0 x49 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">77</span>5)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe4 wd5 had\"><div class=\"t m0 xb5 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">81</span>4) </div></td></tr><tr><td class=\"c x33d y1fe5 wfa h105\"><div class=\"t m0 x10 h29 y979 ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement (<span class=\"ls29 ws9a\">credit)/<span class=\"_ _1\"></span>charge<span class=\"_ _1\"></span> </span><span class=\"ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fe5 wfa h105\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls28 ws0\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffa ws1\"> </span></div></td><td class=\"c x2f4 y1fe5 wfc h105\"><div class=\"t m0 xe5 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">31</span>5)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe5 w1e h105\"><div class=\"t m0 x49 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">228 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe5 w53 h105\"><div class=\"t m0 x49 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\">(</span><span class=\"ls29 ws9a\">41</span>4)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y1fe5 wd5 h105\"><div class=\"t m0 x4f h29 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(50<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x33d y1fe6 wfa hac\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Other movements<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1fe7 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y1fe7 wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe7 w1e hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe7 w53 hd5\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> (386)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe7 wd5 hd5\"><div class=\"t m0 xb5 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> (386) </div></td></tr><tr><td class=\"c x33d y1fe8 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1fe8 wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe8 w1e hd5\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe8 w53 hd5\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> 174 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe8 wd5 hd5\"><div class=\"t m0 x49 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\"> 174  </div></td></tr><tr><td class=\"c x33d y1fe9 wfa h106\"><div class=\"t m0 x10 h29 y1233 ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f4 y1fe9 wfc h106\"><div class=\"t m0 xd8 h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">399 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1fe9 w1e h106\"><div class=\"t m0 x4f h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\"> 639 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1fe9 w53 h106\"><div class=\"t m0 x4f h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\"> 5,735 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1fe9 wd5 h106\"><div class=\"t m0 x26 h29 yf38 ff3 fs8 fc0 sc0 ls1 ws1\"> 6,773  </div></td></tr></table><table class=\"s w20b h1c8\" id=\"_6168310d-f15e-4eda-8e8f-aa0694578102\"><tr><td></td><td></td><td></td><td class=\"c x2f4 y1fea wfb h102\"><div class=\"t m0 x135 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x330 h29 y1feb ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></td><td class=\"t m0 x331 h29 y1feb ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </td><td class=\"t m0 x332 h29 y1feb ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x333 h29 y1fec ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span></td><td class=\"t m0 x334 h29 y1fec ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x335 h29 y1fec ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x336 h29 y1fec ff3 fs8 fc0 sc0 ls1 ws1\">Total </td></tr><tr><td></td><td class=\"t m0 x337 h35 y1fed ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td class=\"t m0 x338 h35 y1fed ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls3 ws114\">ECL</span><span class=\"ffa\"> </span></td><td class=\"t m0 x339 h35 y1fed ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f4 y1fee wfc h94\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33a y1fee w1e h94\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33b y1fee w53 h94\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33c y1fee wd5 h94\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x33d y1fef wfa h95\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff0 wfa hbc\"><div class=\"t m0 x10 h98 y338 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff1 wfa hdd\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2025<span class=\"ffb ls1\"> </span></div></td><td class=\"c x2f4 y1ff1 wfc hdd\"><div class=\"t m0 xb5 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 265 <span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff1 w1e hdd\"><div class=\"t m0 x49 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 35 <span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff1 w53 hdd\"><div class=\"t m0 xcd h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 634 <span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff1 wd5 hdd\"><div class=\"t m0 xd8 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\"> 934  </div></td></tr><tr><td class=\"c x33d y1ff2 wfa hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff3 wfa hd5\"><div class=\"t m0 xe2 h25 y338 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f4 y1ff3 wfc hd5\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff3 w1e hd5\"><div class=\"t m0 x69 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(5)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff3 w53 hd5\"><div class=\"t m0 xea h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff3 wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y1ff4 wfa hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ff4 wfc hac\"><div class=\"t m0 x10b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">82<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff4 w1e hac\"><div class=\"t m0 x6b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff4 w53 hac\"><div class=\"t m0 x125 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">(82)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff4 wd5 hac\"><div class=\"t m0 x37 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y1ff5 wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ff5 wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff5 w1e hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">18<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff5 w53 hd5\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(18)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff5 wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y1ff6 wfa h104\"><div class=\"t m0 xe2 h25 ye52 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff6 wfa h104\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x2f4 y1ff6 wfc h104\"><div class=\"t m0 xd8 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(86)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff6 w1e h104\"><div class=\"t m0 x10b h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">79<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y1ff6 w53 h104\"><div class=\"t m0 x104 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">12<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y1ff6 wd5 h104\"><div class=\"t m0 x6b h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x33d y1ff7 wfa h105\"><div class=\"t m0 x10 h25 y979 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff7 wfa h105\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y1ff7 wfc h105\"><div class=\"t m0 xe6 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"_ _bc\"> </span></div></td><td class=\"c x33a y1ff7 w1e h105\"><div class=\"t m0 x10b h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">92<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y1ff7 w53 h105\"><div class=\"t m0 x125 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(88)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y1ff7 wd5 h105\"><div class=\"t m0 x11e h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x33d y1ff8 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ff8 wfc hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">93<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ff8 w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ff8 w53 hd5\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ff8 wd5 hd5\"><div class=\"t m0 x27 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">95 </div></td></tr><tr><td class=\"c x33d y1ff9 wfa h104\"><div class=\"t m0 x10 h25 y979 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ff9 wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)</span><span class=\"ws1\">* <span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y1ff9 wfc h104\"><div class=\"t m0 xd8 h35 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(6<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33a y1ff9 w1e h104\"><div class=\"t m0 x69 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(5)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y1ff9 w53 h104\"><div class=\"t m0 x49 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(649)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y1ff9 wd5 h104\"><div class=\"t m0 x4f h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(722) </div></td></tr><tr><td class=\"c x33d y1ffa wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ffa wfc hd5\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(12)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ffa w1e hd5\"><div class=\"t m0 x69 h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(7)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x33b y1ffa w53 hd5\"><div class=\"t m0 x11e h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(1)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x33c y1ffa wd5 hd5\"><div class=\"t m0 xcd h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(20) </div></td></tr><tr><td class=\"t m0 x2f8 h29 y1ffb ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement <span class=\"ls29 ws9a\">charg<span class=\"_ _1\"></span>e</span><span class=\"ws1\">/(<span class=\"ls27 ws98\">credit)</span> <span class=\"_ _1\"></span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ffc wfa h104\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls28 ws0\">during the y<span class=\"_ _1\"></span>ear<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x2f4 y1ffc wfc h104\"><div class=\"t m0 x10b h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">14<span class=\"_ _bc\"> </span></div></td><td class=\"c x33a y1ffc w1e h104\"><div class=\"t m0 x10b h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">80<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y1ffc w53 h104\"><div class=\"t m0 x49 h29 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(73<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x33c y1ffc wd5 h104\"><div class=\"t m0 x4f h29 y99e ff3 fs8 fc0 sc0 ls29 ws9a\">(64<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x33d y1ffd wfa hd5\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Other movements<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y1ffe wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y1ffe wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y1ffe w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y1ffe w53 hd5\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">291<span class=\"ffa\"> </span></div></td><td class=\"c x33c y1ffe wd5 hd5\"><div class=\"t m0 xcd h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">291 </div></td></tr><tr><td class=\"t m0 x2f8 h35 y1fff ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></td><td class=\"c x2f4 y2000 wfc h106\"><div class=\"t m0 x4f h29 y124c ff3 fs8 fc0 sc0 ls1 ws1\">279<span class=\"_ _bc\"> </span></div></td><td class=\"c x33a y2000 w1e h106\"><div class=\"t m0 x4f h29 y124c ff3 fs8 fc0 sc0 ls1 ws1\">115<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2000 w53 h106\"><div class=\"t m0 xd9 h29 y124c ff3 fs8 fc0 sc0 ls1 ws1\">189<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2000 wd5 h106\"><div class=\"t m0 xcd h29 y124c ff3 fs8 fc0 sc0 ls1 ws1\">583 </div></td></tr></table><table class=\"s w20b h1c9\" id=\"_4c7d00ac-ba6a-4336-b773-09bc2ca1c249\"><tr><td></td><td></td><td></td><td class=\"c x2f4 y2001 wfb h102\"><div class=\"t m0 x135 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x330 h29 y2002 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1<span class=\"ws1\"> </span></td><td class=\"t m0 x331 h29 y2002 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </td><td class=\"t m0 x332 h29 y2002 ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x333 h29 y2003 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span></td><td class=\"t m0 x334 h29 y2003 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x335 h29 y2003 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x336 h29 y2003 ff3 fs8 fc0 sc0 ls1 ws1\">Total </td></tr><tr><td></td><td class=\"t m0 x337 h35 y2004 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td class=\"t m0 x338 h35 y2004 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls3 ws114\">ECL</span><span class=\"ffa\"> </span></td><td class=\"t m0 x339 h35 y2004 ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f4 y2005 wfc h95\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33a y2005 w1e h95\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33b y2005 w53 h95\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x33c y2005 wd5 h95\"><div class=\"t m0 xd6 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x33d y2006 wfa h94\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at amortised cost<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2007 wfa hdb\"><div class=\"t m0 x10 ha2 y179 ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2008 wfa hdb\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y2008 wfc hdb\"><div class=\"t m0 x4f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">979<span class=\"ffa\"> </span></div></td><td class=\"c x33a y2008 w1e hdb\"><div class=\"t m0 x4f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">446<span class=\"ffa\"> </span></div></td><td class=\"c x33b y2008 w53 hdb\"><div class=\"t m0 xd6 h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">6,995<span class=\"ffa\"> </span></div></td><td class=\"c x33c y2008 wd5 hdb\"><div class=\"t m0 xd7 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">8,420 </div></td></tr><tr><td class=\"c x33d y2009 wfa hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y200a wfa had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y200a wfc had\"><div class=\"t m0 xd8 h35 y827 ff3 fs8 fc0 sc0 ls29 ws9a\">(6<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33a y200a w1e had\"><div class=\"t m0 x10b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">65<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200a w53 had\"><div class=\"t m0 xea h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200a wd5 had\"><div class=\"t m0 x37 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y200b wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y200b wfc hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">22<span class=\"ffa\"> </span></div></td><td class=\"c x33a y200b w1e hd5\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(22)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200b w53 hd5\"><div class=\"t m0 xea h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200b wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y200c wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y200c wfc hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">82<span class=\"ffa\"> </span></div></td><td class=\"c x33a y200c w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200c w53 hd5\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(82)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200c wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y200d wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y200d wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y200d w1e hd5\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">27<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200d w53 hd5\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(27)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200d wd5 hd5\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y200e wfa hcb\"><div class=\"t m0 xe2 h25 y1262 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y200e wfa hcb\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y200e wfc hcb\"><div class=\"t m0 xd8 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">(99)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y200e w1e hcb\"><div class=\"t m0 x4f h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">244<span class=\"ffa\"> </span></div></td><td class=\"c x33b y200e w53 hcb\"><div class=\"t m0 x104 h35 y99e ff3 fs8 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x33c y200e wd5 hcb\"><div class=\"t m0 x49 h29 y99e ff3 fs8 fc0 sc0 ls1 ws1\">157 </div></td></tr><tr><td class=\"t m0 x2f8 h25 y200f ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2010 wfa hcb\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y2010 wfc hcb\"><div class=\"t m0 xd8 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(60)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y2010 w1e hcb\"><div class=\"t m0 x4f h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">314<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2010 w53 hcb\"><div class=\"t m0 x125 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(97)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2010 wd5 hcb\"><div class=\"t m0 xcd h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">157 </div></td></tr><tr><td class=\"c x33d y2011 wfa hd5\"><div class=\"t m0 x10 h25 y829 ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2011 wfc hd5\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">232<span class=\"ffa\"> </span></div></td><td class=\"c x33a y2011 w1e hd5\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">157<span class=\"ffa\"> </span></div></td><td class=\"c x33b y2011 w53 hd5\"><div class=\"t m0 x104 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">46<span class=\"ffa\"> </span></div></td><td class=\"c x33c y2011 wd5 hd5\"><div class=\"t m0 xcd h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">435 </div></td></tr><tr><td class=\"c x33d y2012 wfa hcb\"><div class=\"t m0 x10 h25 y121f ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x2f8 h25 y2013 ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)* </span><span class=\"ffb ws1\"> </span></td><td class=\"c x2f4 y2012 wfc hcb\"><div class=\"t m0 xd7 h35 y9bd ff3 fs8 fc0 sc0 ls29 ws9a\">(4<span class=\"ls1 ws1\">29</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33a y2012 w1e hcb\"><div class=\"t m0 xb5 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(149)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2012 w53 hcb\"><div class=\"t m0 x49 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(323)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2012 wd5 hcb\"><div class=\"t m0 x4f h29 y9bd ff3 fs8 fc0 sc0 ls29 ws9a\">(90<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x33d y2014 wfa hd5\"><div class=\"t m0 x10 h25 y829 ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2014 wfc hd5\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(44)<span class=\"ffa\"> </span></div></td><td class=\"c x33a y2014 w1e hd5\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(14)<span class=\"ffa\"> </span></div></td><td class=\"c x33b y2014 w53 hd5\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(77<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33c y2014 wd5 hd5\"><div class=\"t m0 x4f h29 y829 ff3 fs8 fc0 sc0 ls29 ws9a\">(8<span class=\"ls1 ws1\">34</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x33f y2017 w20c h1ca\"><div class=\"t m0 x26e h29 y2015 ff3 fs8 fc0 sc0 ls1 ws9b\">Total net income statement (<span class=\"ls28 ws0\">credit)/charg<span class=\"_ _1\"></span>e during<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 x296 h29 y2016 ff3 fs8 fc0 sc0 ls1 ws9b\">the year<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f4 y2018 wfc hcb\"><div class=\"t m0 xd7 h35 y9bd ff3 fs8 fc0 sc0 ls29 ws9a\">(30<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x33a y2018 w1e hcb\"><div class=\"t m0 x4f h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">308<span class=\"ffa\"> </span></div></td><td class=\"c x33b y2018 w53 hcb\"><div class=\"t m0 x26 h35 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(1,150)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y2018 wd5 hcb\"><div class=\"t m0 x35 h29 y9bd ff3 fs8 fc0 sc0 ls1 ws1\">(1,143) </div></td></tr><tr><td class=\"c x33d y2019 wfa hd5\"><div class=\"t m0 x10 h35 y829 ff3 fs8 fc0 sc0 ls1 ws9b\">Other movements<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y201a wfa hd5\"><div class=\"t m0 x10 h25 y829 ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y201a wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y201a w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y201a w53 hd5\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(386)<span class=\"ffa\"> </span></div></td><td class=\"c x33c y201a wd5 hd5\"><div class=\"t m0 x4f h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(386) </div></td></tr><tr><td class=\"c x33d y201b wfa hd5\"><div class=\"t m0 x10 h25 y8eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y201b wfc hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33a y201b w1e hd5\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x33b y201b w53 hd5\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">465<span class=\"ffa\"> </span></div></td><td class=\"c x33c y201b wd5 hd5\"><div class=\"t m0 xcd h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">465 </div></td></tr><tr><td class=\"c x33d y201c wfa h106\"><div class=\"t m0 x10 h35 y1274 ff3 fs8 fc0 sc0 ls1 ws9b\">Loss allowance as at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x2f4 y201c wfc h106\"><div class=\"t m0 x4f h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">678<span class=\"ffa\"> </span></div></td><td class=\"c x33a y201c w1e h106\"><div class=\"t m0 x4f h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">754<span class=\"ffa\"> </span></div></td><td class=\"c x33b y201c w53 h106\"><div class=\"t m0 xd6 h35 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">5,924<span class=\"ffa\"> </span></div></td><td class=\"c x33c y201c wd5 h106\"><div class=\"t m0 xd7 h29 yf38 ff3 fs8 fc0 sc0 ls1 ws1\">7,356 </div></td></tr></table>The mo<span class=\"_ _1\"></span>vemen<span class=\"_ _1\"></span>ts refl<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> with<span class=\"_ _1\"></span>in th<span class=\"_ _1\"></span>e line it<span class=\"_ _1\"></span>em \u201cC<span class=\"_ _1\"></span>hanges<span class=\"_ _1\"></span> to<span class=\"_ _1\"></span> risk p<span class=\"_ _1\"></span>arameter<span class=\"_ _1\"></span>s\u201d ha<span class=\"_ _1\"></span>ve be<span class=\"_ _1\"></span>en ana<span class=\"_ _1\"></span>lysed<span class=\"_ _1\"></span> and described in<span class=\"_ _1\"></span> notes 2.3.4.3,<span class=\"_ _1\"></span> 2.3.4.4 and<span class=\"_ _1\"></span> 2.3.9.<span class=\"ls1 ws1\"> </span>*<span class=\"ls5 ws6\">The mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>s refl<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> with<span class=\"_ _1\"></span>in the l<span class=\"_ _1\"></span>ine item \u201c<span class=\"_ _1\"></span>Cha<span class=\"_ _1\"></span>nges to<span class=\"_ _1\"></span> risk p<span class=\"_ _1\"></span>aramet<span class=\"_ _1\"></span>ers\u201d refl<span class=\"_ _1\"></span>ect ch<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>es in E<span class=\"_ _1\"></span>CL due t<span class=\"_ _1\"></span>o </span>improvemen<span class=\"_ _1\"></span>ts in macroecon<span class=\"_ _1\"></span>omic varia<span class=\"_ _1\"></span>bles impacting St<span class=\"_ _1\"></span>age 1 and<span class=\"_ _1\"></span> Stage 2 PDs.  <span class=\"ls1 ws1\"> </span><table class=\"s w20d h1cb\" id=\"_42aa3734-b0eb-4dac-9823-956106b92d0f\"><tr><td class=\"t m0 x31e h3 y201d ff1 fs1 fc0 sc0 ls8 wsa\">The f<span class=\"_ _0\"></span>ollowing t<span class=\"_ _0\"></span>ables e<span class=\"_ _0\"></span>xplain t<span class=\"_ _0\"></span>he chang<span class=\"_ _0\"></span>es in <span class=\"_ _0\"></span>the Gr<span class=\"_ _0\"></span>oup\u2019s los<span class=\"_ _0\"></span>s allow<span class=\"_ _0\"></span>ance be<span class=\"_ _0\"></span>twe<span class=\"_ _0\"></span>en the be<span class=\"_ _0\"></span>ginning and<span class=\"_ _0\"></span> the e<span class=\"_ _0\"></span>nd </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x31e h3 y201e ff1 fs1 fc0 sc0 ls8 wsa\">of the annua<span class=\"_ _0\"></span>l perio<span class=\"_ _0\"></span>d:<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x31f y201f wf6 hf9\"><div class=\"t m0 x31 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x340 h25 y2020 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></td><td class=\"c x320 y2021 wf8 he6\"><div class=\"t m0 xe1 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x321 y2021 wf9 he6\"><div class=\"t m0 xf3 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"c x342 y2023 w20e h1cc\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">12<span class=\"_ _bc\"> </span></div><div class=\"t m0 x341 h25 y2022 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ls29 ws98\">month E<span class=\"_ _1\"></span>CL<span class=\"_ _bc\"> </span></span></div></td><td class=\"t m0 x343 h25 y2024 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime </td><td class=\"t m0 x344 h25 y2024 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime </td><td class=\"t m0 x345 h25 y2024 ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td></td><td class=\"c x320 y2021 wf8 he6\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2021 wf9 he6\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x31f y2025 wf7 h97\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x320 y2025 wf8 h97\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x321 y2025 wf9 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x326 y2025 wa7 h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x327 y2026 wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at FVO<span class=\"_ _1\"></span>CI<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y2027 wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y2027 wf7 h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">471<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2027 wf8 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2027 wf9 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2027 wa7 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">471 </div></td></tr><tr><td class=\"c x327 y2028 wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2028 wf7 h97\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(247)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2028 wf8 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2028 wf9 h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2028 wa7 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(247) </div></td></tr><tr><td class=\"c x327 y2029 wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement credit duri<span class=\"_ _1\"></span>ng the year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2029 wf7 h97\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(247)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2029 wf8 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2029 wf9 h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2029 wa7 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(247) </div></td></tr><tr><td class=\"c x327 y202a wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y202a wf7 h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">224<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202a wf8 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202a wf9 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202a wa7 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">224 </div></td></tr><tr><td class=\"c x327 y202b wf5 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at amo<span class=\"_ _1\"></span>rtised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y202c wf5 h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y202c wf7 h95\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">72<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202c wf8 h95\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202c wf9 h95\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202c wa7 h95\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">72 </div></td></tr><tr><td class=\"c x327 y202d wf5 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y202d wf7 h94\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(47)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202d wf8 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202d wf9 h94\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202d wa7 h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(47) </div></td></tr><tr><td class=\"c x327 y202e wf5 h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement credit duri<span class=\"_ _1\"></span>ng the year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y202e wf7 h94\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(47)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202e wf8 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202e wf9 h94\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202e wa7 h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(47) </div></td></tr><tr><td class=\"c x327 y202f wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y202f wf7 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">25<span class=\"ffb\"> </span></div></td><td class=\"c x320 y202f wf8 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y202f wf9 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y202f wa7 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">25 </div></td></tr><tr><td class=\"c x327 y2030 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks at am<span class=\"_ _1\"></span>ortised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y2031 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y2031 wf7 hfc\"><div class=\"t m0 x11e h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2031 wf8 hfc\"><div class=\"t m0 x10b h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2031 wf9 hfc\"><div class=\"t m0 xd9 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2031 wa7 hfc\"><div class=\"t m0 x69 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x327 y2032 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2032 wf7 hfc\"><div class=\"t m0 x104 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">9<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2032 wf8 hfc\"><div class=\"t m0 x10b h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2032 wf9 hfc\"><div class=\"t m0 xd9 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2032 wa7 hfc\"><div class=\"t m0 x10b h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x327 y2033 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l net income stat<span class=\"_ _1\"></span>ement char<span class=\"_ _1\"></span>ge during <span class=\"_ _1\"></span>the year<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2033 wf7 hfc\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2033 wf8 hfc\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2033 wf9 hfc\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2033 wa7 hfc\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x327 y2034 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"_ _bc\"> </span></div></td><td class=\"c x31f y2034 wf7 hfc\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9<span class=\"_ _bc\"> </span></div></td><td class=\"c x320 y2034 wf8 hfc\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x321 y2034 wf9 hfc\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x326 y2034 wa7 hfc\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x327 y2035 wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Undrawn c<span class=\"_ _1\"></span>ommitm<span class=\"_ _1\"></span>ents<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y2036 wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y2036 wf7 h96\"><div class=\"t m0 x11e h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2036 wf8 h96\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2036 wf9 h96\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2036 wa7 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6 </div></td></tr><tr><td class=\"c x327 y2037 wf5 hdd\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2037 wf7 hdd\"><div class=\"t m0 xd9 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">70<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2037 wf8 hdd\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">(5)<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2037 wf9 hdd\"><div class=\"t m0 xd9 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2037 wa7 hdd\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">65 </div></td></tr><tr><td class=\"c x327 y2038 wf5 h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l net income stat<span class=\"_ _1\"></span>ement char<span class=\"_ _1\"></span>ge/(credit)<span class=\"_ _1\"></span> during t<span class=\"_ _1\"></span>he year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y2038 wf7 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">70<span class=\"ffb\"> </span></div></td><td class=\"c x320 y2038 wf8 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(5)<span class=\"ffb\"> </span></div></td><td class=\"c x321 y2038 wf9 h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y2038 wa7 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">65 </div></td></tr><tr><td class=\"t m0 x328 h25 y2039 ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x31f y203a wf7 hff\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">70<span class=\"ffb\"> </span></div></td><td class=\"c x320 y203a wf8 hff\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y203a wf9 hff\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x326 y203a wa7 hff\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">71 </div></td></tr><tr><td class=\"c x327 y203b wf5 hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Contingent lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x327 y203c wf5 h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x31f y203c wf7 h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">23<span class=\"ffb\"> </span></div></td><td class=\"c x320 y203c wf8 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y203c wf9 h97\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y203c wa7 h97\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">23 </div></td></tr><tr><td class=\"c x327 y203d wf5 hab\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: PD<span class=\"_ _1\"></span>s/LGDs/<span class=\"_ _1\"></span>EADs)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y203d wf7 hab\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffb\"> </span></div></td><td class=\"c x320 y203d wf8 hab\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x321 y203d wf9 hab\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x326 y203d wa7 hab\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(11) </div></td></tr><tr><td class=\"c x327 y203e wf5 h100\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement credit duri<span class=\"_ _1\"></span>ng the year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x31f y203e wf7 h100\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffb\"> </span></div></td><td class=\"c n x329 y1fcf w206 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x32a y1fcf w206 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x326 y203e wa7 h100\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(11) </div></td></tr><tr><td class=\"c n x32b y1fd0 w20f h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"_ _bc\"> </span></div></td><td class=\"c n x346 y1fd0 w210 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">12<span class=\"_ _bc\"> </span></div></td><td class=\"c n x347 y1fd0 w209 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x348 y1fd0 w209 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x349 y1fd0 w208 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">12<span class=\"_ _bc\"> </span></div></td></tr></table><table class=\"s w211 h1cd\" id=\"_23840495-45ac-42b7-9b83-58667e31d614\"><tr><td></td><td></td><td></td><td class=\"c x2f4 y203f wfb h102\"><div class=\"t m0 x135 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x330 h25 y2040 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x34a h25 y2040 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </td><td class=\"t m0 x34b h25 y2040 ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x34c h25 y2041 ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span></td><td class=\"t m0 x334 h25 y2041 ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x34d h25 y2041 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x34e h25 y2041 ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x337 h25 y2042 ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></td><td class=\"t m0 x338 h25 y2042 ff1 fs8 fc0 sc0 ls1 ws1\"> ECL<span class=\"ffb\"> </span></td><td class=\"t m0 x339 h25 y2042 ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2f4 y2043 wfc h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x33a y2043 w1e h94\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x33b y2043 w53 h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x33c y2043 wd5 h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x33d y2044 wfa h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loans a<span class=\"_ _1\"></span>nd advances to c<span class=\"_ _1\"></span>ustom<span class=\"_ _1\"></span>ers at amorti<span class=\"_ _1\"></span>sed cost<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2045 wfa hbc\"><div class=\"t m0 x10 h35 y338 ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2046 wfa hdd\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x2f4 y2046 wfc hdd\"><div class=\"t m0 x35 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">1,270<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2046 w1e hdd\"><div class=\"t m0 x35 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">1,020<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2046 w53 hdd\"><div class=\"t m0 xd6 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">7,858<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2046 wd5 hdd\"><div class=\"t m0 x22 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">10,148 </div></td></tr><tr><td class=\"c x33d y2047 wfa hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2048 wfa hd5\"><div class=\"t m0 xe2 h25 y338 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _bc\"> </span></div></td><td class=\"c x2f4 y2048 wfc hd5\"><div class=\"t m0 xd8 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(14)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2048 w1e hd5\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">14<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2048 w53 hd5\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2048 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y2049 wfa hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2049 wfc hac\"><div class=\"t m0 x10b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">22<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2049 w1e hac\"><div class=\"t m0 xd8 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">(22)<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2049 w53 hac\"><div class=\"t m0 xea h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2049 wd5 hac\"><div class=\"t m0 x37 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y204a wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y204a wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33a y204a w1e hd5\"><div class=\"t m0 xb5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(483)<span class=\"ffb\"> </span></div></td><td class=\"c x33b y204a w53 hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">483<span class=\"ffb\"> </span></div></td><td class=\"c x33c y204a wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y204b wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y204b wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33a y204b w1e hd5\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">31<span class=\"ffb\"> </span></div></td><td class=\"c x33b y204b w53 hd5\"><div class=\"t m0 x125 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(31)<span class=\"ffb\"> </span></div></td><td class=\"c x33c y204b wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x33d y204c wfa h104\"><div class=\"t m0 xe2 h25 ye52 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y204c wfa h104\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x2f4 y204c wfc h104\"><div class=\"t m0 xd8 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(19)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y204c w1e h104\"><div class=\"t m0 xd8 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(28)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y204c w53 h104\"><div class=\"t m0 x104 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">96<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y204c wd5 h104\"><div class=\"t m0 x125 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">49 </div></td></tr><tr><td class=\"t m0 x2f8 h25 y204d ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y204e wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es</span><span class=\"ffb ws1\"> </span></div></td><td class=\"t m0 x34f h25 y204f ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"_ _bc\"> </span></td><td class=\"t m0 x350 h25 y204f ff1 fs8 fc0 sc0 ls1 ws1\">(488)<span class=\"ffb\"> </span></td><td class=\"t m0 x351 h25 y204f ff1 fs8 fc0 sc0 ls1 ws1\">548<span class=\"ffb\"> </span></td><td class=\"t m0 x352 h25 y204f ff1 fs8 fc0 sc0 ls1 ws1\">49 </td></tr><tr><td class=\"c x33d y2050 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2050 wfc hd5\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">441<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2050 w1e hd5\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">38<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2050 w53 hd5\"><div class=\"t m0 x46 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2050 wd5 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">480 </div></td></tr><tr><td class=\"t m0 x2f8 h25 y2051 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2052 wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)* </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y2052 wfc h104\"><div class=\"t m0 xd7 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(733)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2052 w1e h104\"><div class=\"t m0 xd8 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(75)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2052 w53 h104\"><div class=\"t m0 xd9 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">366<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2052 wd5 h104\"><div class=\"t m0 x4f h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(442) </div></td></tr><tr><td class=\"c x33d y2053 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2053 wfc hd5\"><div class=\"t m0 xd7 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(253)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2053 w1e hd5\"><div class=\"t m0 xd8 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(84)<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2053 w53 hd5\"><div class=\"t m0 x49 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(231)<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2053 wd5 hd5\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(568) </div></td></tr><tr><td class=\"c x33d y2054 wfa h104\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement (credit)/c<span class=\"_ _1\"></span>harge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2054 wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x2f4 y2054 wfc h104\"><div class=\"t m0 xd7 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(556)<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2054 w1e h104\"><div class=\"t m0 xb5 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(609)<span class=\"_ _bc\"> </span></div></td><td class=\"c x33b y2054 w53 h104\"><div class=\"t m0 xd9 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">684<span class=\"_ _bc\"> </span></div></td><td class=\"c x33c y2054 wd5 h104\"><div class=\"t m0 x4f h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(481) </div></td></tr><tr><td class=\"c x33d y2055 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Other mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x33d y2056 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x2f4 y2056 wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2056 w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2056 w53 hd5\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(2,379)<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2056 wd5 hd5\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(2,379) </div></td></tr><tr><td class=\"c x33d y2057 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x2f4 y2057 wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33a y2057 w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x33b y2057 w53 hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">198<span class=\"ffb\"> </span></div></td><td class=\"c x33c y2057 wd5 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">198 </div></td></tr><tr><td class=\"t m0 x2f8 h25 y2058 ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c n x353 y2059 w212 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">714<span class=\"_ _bc\"> </span></div></td><td class=\"c n x354 y2059 w213 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">411<span class=\"_ _bc\"> </span></div></td><td class=\"c n x355 y2059 w214 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">6,361<span class=\"_ _bc\"> </span></div></td><td class=\"c n x356 y2059 w214 h1c6\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">7,486<span class=\"_ _bc\"> </span></div></td></tr></table><table class=\"s w215 h1ce\" id=\"_83995613-936b-4e91-bf09-d75411770874\"><tr><td></td><td></td><td></td><td class=\"c x358 y205a wfb h102\"><div class=\"t m0 x135 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x359 h25 y205b ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x35a h25 y205b ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </td><td class=\"t m0 x35b h25 y205b ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x35c h25 y205c ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span></td><td class=\"t m0 x35d h25 y205c ff1 fs8 fc0 sc0 ls28 ws99\">Lifetime<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x35e h25 y205c ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x35f h25 y205c ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"t m0 x360 h25 y205d ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></td><td class=\"t m0 x361 h25 y205d ff1 fs8 fc0 sc0 ls1 ws1\"> ECL<span class=\"ffb\"> </span></td><td class=\"t m0 x362 h25 y205d ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></td><td></td></tr><tr><td></td><td class=\"c x358 y205e wfc h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x363 y205e w1e h94\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x364 y205e w53 h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x365 y205e wd5 h94\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x366 y205f wfa h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Loans a<span class=\"_ _1\"></span>nd advances to c<span class=\"_ _1\"></span>ustom<span class=\"_ _1\"></span>ers at amorti<span class=\"_ _1\"></span>sed cost<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2060 wfa hbc\"><div class=\"t m0 x10 h98 y338 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2061 wfa hdd\"><div class=\"t m0 x10 h25 y179 ff1 fs8 fc0 sc0 ls6a ws1\">Loss allowance as at 1 Januar<span class=\"_ _0\"></span>y 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x358 y2061 wfc hdd\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">310<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2061 w1e hdd\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">867<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2061 w53 hdd\"><div class=\"t m0 xd9 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">126<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2061 wd5 hdd\"><div class=\"t m0 xd7 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">1,303 </div></td></tr><tr><td class=\"c x366 y2062 wfa hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2063 wfa hd5\"><div class=\"t m0 xe2 h25 y338 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _bc\"> </span></div></td><td class=\"c x358 y2063 wfc hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(1)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2063 w1e hd5\"><div class=\"t m0 xe6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2063 w53 hd5\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2063 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2064 wfa hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2064 wfc hac\"><div class=\"t m0 xd9 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">(1)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2064 w1e hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2064 w53 hac\"><div class=\"t m0 x8f h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2064 wd5 hac\"><div class=\"t m0 x37 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2065 wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2065 wfc hd5\"><div class=\"t m0 xe6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">8<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2065 w1e hd5\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(8)<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2065 w53 hd5\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2065 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2066 wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2066 wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2066 w1e hd5\"><div class=\"t m0 xb5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(826)<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2066 w53 hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">826<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2066 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2067 wfa hd5\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2067 wfc hd5\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">10<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2067 w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2067 w53 hd5\"><div class=\"t m0 x125 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(10)<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2067 wd5 hd5\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x366 y2068 wfa h104\"><div class=\"t m0 xe2 h25 ye52 ff1 fs8 fc0 sc0 ls4 ws9a\">Net remeasur<span class=\"_ _1\"></span>ement of E<span class=\"_ _1\"></span>CL arisin<span class=\"_ _1\"></span>g from sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2068 wfa h104\"><div class=\"t m0 xe2 h25 y99e ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">transfers<span class=\"_ _bc\"> </span></span></div></td><td class=\"t m0 x367 h25 y2069 ff1 fs8 fc0 sc0 ls1 ws1\">(17)<span class=\"_ _bc\"> </span></td><td class=\"t m0 x368 h25 y2069 ff1 fs8 fc0 sc0 ls1 ws1\">8<span class=\"ffb\"> </span></td><td class=\"t m0 x369 h25 y2069 ff1 fs8 fc0 sc0 ls1 ws1\">53<span class=\"ffb\"> </span></td><td class=\"t m0 x36a h25 y2069 ff1 fs8 fc0 sc0 ls1 ws1\">44 </td></tr><tr><td class=\"t m0 x36b h25 y206a ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l remeasurement o<span class=\"_ _1\"></span>f loss allo<span class=\"_ _1\"></span>wa<span class=\"_ _1\"></span>nce arising <span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y206b wfa h104\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">from tra<span class=\"_ _1\"></span>nsfers in stag<span class=\"_ _1\"></span>es<span class=\"_ _bc\"> </span></span></div></td><td class=\"t m0 x36c h25 y206c ff1 fs8 fc0 sc0 ls1 ws1\">(1)<span class=\"_ _bc\"> </span></td><td class=\"t m0 x36d h25 y206c ff1 fs8 fc0 sc0 ls1 ws1\">(825)<span class=\"ffb\"> </span></td><td class=\"t m0 x36e h25 y206c ff1 fs8 fc0 sc0 ls1 ws1\">870<span class=\"ffb\"> </span></td><td class=\"t m0 x36f h25 y206c ff1 fs8 fc0 sc0 ls1 ws1\">44 </td></tr><tr><td class=\"c x366 y206d wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y206d wfc hd5\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">151<span class=\"ffb\"> </span></div></td><td class=\"c x363 y206d w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y206d w53 hd5\"><div class=\"t m0 x104 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">90<span class=\"ffb\"> </span></div></td><td class=\"c x365 y206d wd5 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">241 </div></td></tr><tr><td class=\"c x366 y206e wfa hcb\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes to<span class=\"_ _1\"></span> risk param<span class=\"_ _1\"></span>eters (mo<span class=\"_ _1\"></span>del inputs: <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y206e wfa hcb\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws0\">PDs/LGDs/<span class=\"_ _1\"></span>EADs)* </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x358 y206e wfc hcb\"><div class=\"t m0 xd7 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(187)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y206e w1e hcb\"><div class=\"t m0 x69 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(7)<span class=\"_ _bc\"> </span></div></td><td class=\"c x364 y206e w53 hcb\"><div class=\"t m0 x49 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(396)<span class=\"_ _bc\"> </span></div></td><td class=\"c x365 y206e wd5 hcb\"><div class=\"t m0 x4f h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(590) </div></td></tr><tr><td class=\"c x366 y206f wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y206f wfc hd5\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(8)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y206f w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y206f w53 hd5\"><div class=\"t m0 x125 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(64)<span class=\"ffb\"> </span></div></td><td class=\"c x365 y206f wd5 hd5\"><div class=\"t m0 xcd h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(72) </div></td></tr><tr><td class=\"t m0 x36b h25 y2070 ff1 fs8 fc0 sc0 ls2a ws99\">Total net incom<span class=\"_ _1\"></span>e statement (credit)/c<span class=\"_ _1\"></span>harge <span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2071 wfa hcb\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">during the y<span class=\"_ _1\"></span>ear</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x358 y2071 wfc hcb\"><div class=\"t m0 xd8 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(45)<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2071 w1e hcb\"><div class=\"t m0 xb5 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(832)<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2071 w53 hcb\"><div class=\"t m0 xd9 h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">500<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2071 wd5 hcb\"><div class=\"t m0 x4f h25 y9bd ff1 fs8 fc0 sc0 ls1 ws1\">(377) </div></td></tr><tr><td class=\"c x366 y2072 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Other mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x366 y2073 wfa hd5\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Unwindi<span class=\"_ _1\"></span>ng of disc<span class=\"_ _1\"></span>ount<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x358 y2073 wfc hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x363 y2073 w1e hd5\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x364 y2073 w53 hd5\"><div class=\"t m0 x46 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">8<span class=\"ffb\"> </span></div></td><td class=\"c x365 y2073 wd5 hd5\"><div class=\"t m0 x11e h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">8 </div></td></tr><tr><td class=\"t m0 x36b h25 y2074 ff1 fs8 fc0 sc0 ls4 ws9a\">Loss all<span class=\"_ _1\"></span>owance a<span class=\"_ _1\"></span>s at 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x358 y2075 wfc h106\"><div class=\"t m0 x4f h25 y124c ff1 fs8 fc0 sc0 ls1 ws1\">265<span class=\"_ _bc\"> </span></div></td><td class=\"c x363 y2075 w1e h106\"><div class=\"t m0 x10b h25 y124c ff1 fs8 fc0 sc0 ls1 ws1\">35<span class=\"_ _bc\"> </span></div></td><td class=\"c x364 y2075 w53 h106\"><div class=\"t m0 xd9 h25 y124c ff1 fs8 fc0 sc0 ls1 ws1\">634<span class=\"_ _bc\"> </span></div></td><td class=\"c x365 y2075 wd5 h106\"><div class=\"t m0 xcd h25 y124c ff1 fs8 fc0 sc0 ls1 ws1\">934 </div></td></tr></table>The unw<span class=\"_ _0\"></span>inding of<span class=\"_ _0\"></span> discount on<span class=\"_ _0\"></span> \u2018S<span class=\"_ _0\"></span>tage 3<span class=\"_ _0\"></span>\u2019 financ<span class=\"_ _0\"></span>ial assets i<span class=\"_ _11\"></span>s<span class=\"_ _1\"></span> rep<span class=\"_ _0\"></span>orted w<span class=\"_ _0\"></span>ithin '<span class=\"_ _0\"></span>Intere<span class=\"_ _0\"></span>st Incom<span class=\"_ _0\"></span>e' so t<span class=\"_ _0\"></span>hat inter<span class=\"_ _0\"></span>est income is recognis<span class=\"_ _1\"></span>ed on the a<span class=\"_ _1\"></span>mortised co<span class=\"_ _1\"></span>st basis<span class=\"_ _1\"></span> (after deductin<span class=\"_ _1\"></span>g the ECL allowan<span class=\"_ _1\"></span>ce). <span class=\"ls1 ws1\"> </span>Remeas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ent of lo<span class=\"_ _1\"></span>ss a<span class=\"_ _1\"></span>llowa<span class=\"_ _1\"></span>nces a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g from <span class=\"_ _1\"></span>forei<span class=\"_ _1\"></span>gn<span class=\"ls1 ws1\">-</span>excha<span class=\"_ _1\"></span>nge a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her mo<span class=\"_ _1\"></span>vemen<span class=\"_ _1\"></span>ts w<span class=\"_ _1\"></span>ere not<span class=\"_ _1\"></span> considered<span class=\"_ _1\"></span> significant.<span class=\"ls1 ws1\"> </span>Changes in the gr<span class=\"_ _0\"></span>oss car<span class=\"_ _0\"></span>rying amount that contr<span class=\"_ _0\"></span>ibuted<span class=\"_ _0\"></span> to changes<span class=\"_ _0\"></span> in loss<span class=\"_ _0\"></span> allowance<span class=\"ls1 ws1\"> </span>The following t<span class=\"_ _1\"></span>able explai<span class=\"_ _1\"></span>ns changes<span class=\"_ _1\"></span> in the gross<span class=\"_ _1\"></span> carrying amount<span class=\"_ _1\"></span> of the Group\u2019s<span class=\"_ _1\"></span> financial as<span class=\"_ _1\"></span>sets to h<span class=\"_ _1\"></span>elp demon<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>e their s<span class=\"_ _1\"></span>ignific<span class=\"_ _1\"></span>anc<span class=\"_ _1\"></span>e to the c<span class=\"_ _1\"></span>hanges<span class=\"_ _1\"></span> in the lo<span class=\"_ _1\"></span>ss allo<span class=\"_ _1\"></span>wance for<span class=\"_ _1\"></span> the sa<span class=\"_ _1\"></span>me portfo<span class=\"_ _1\"></span>lio<span class=\"_ _1\"></span>s as <span class=\"ls6 ws8\">highl<span class=\"_ _1\"></span>ighted<span class=\"ls1 ws1\"> </span></span>above:<span class=\"ls1 ws1\"> </span><table class=\"s w216 h1cf\" id=\"_823ec93e-3d89-4974-bb30-403755098701\"><tr><td></td><td></td><td class=\"c x370 y2076 wfe hf9\"><div class=\"t m0 x3e h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y2077 wbc he6\"><div class=\"t m0 xd4 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1 <span class=\"ws1\"> </span></div></td><td class=\"c x371 y2077 wa5 he6\"><div class=\"t m0 x113 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x372 y2077 wbc he6\"><div class=\"t m0 xd4 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x373 h29 y2078 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span> </td><td class=\"t m0 x374 h29 y2078 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x375 h29 y2078 ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls27 ws98\">Life<span class=\"_ _1\"></span>time</span> </td><td></td></tr><tr><td></td><td class=\"c x370 y2077 wbc he6\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"_ _bc\"> </span></div></td><td class=\"c x371 y2077 wa5 he6\"><div class=\"t m0 x49 h29 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL</div></td><td class=\"c x372 y2077 wbc he6\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls3 ws114\">ECL<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x376 y2077 wa5 he6\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x370 y2079 wbc hfc\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x371 y2079 wa5 hfc\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x372 y2079 wbc hfc\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x376 y2079 wa5 hfc\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y207a wfd h9e\"><div class=\"t m0 x10 h29 y979 ff3 fs8 fc0 sc0 ls1 ws9b\">Balances with Central Bank of Malta and treasury </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y207a wfd h9e\"><div class=\"t m0 xdf h29 y3eb ff3 fs8 fc0 sc0 ls27 ws98\">bills<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y207b wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y207b wbc h96\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffa\"> </span></div></td><td class=\"c x371 y207b wa5 h96\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y207b wbc h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y207b wa5 h96\"><div class=\"t m0 x80 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">146,872 </div></td></tr><tr><td class=\"c x2b9 y207c wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y207c wbc h97\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,920,284<span class=\"ffa\"> </span></div></td><td class=\"c x371 y207c wa5 h97\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y207c wbc h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y207c wa5 h97\"><div class=\"t m0 x107 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,920,284 </div></td></tr><tr><td class=\"c x2b9 y207d wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y207d wbc h96\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(3,892,234)<span class=\"ffa\"> </span></div></td><td class=\"c x371 y207d wa5 h96\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y207d wbc h96\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y207d wa5 h96\"><div class=\"t m0 xe9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(3,892,234) </div></td></tr><tr><td class=\"c x2b9 y207e wfd hac\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December <span class=\"ws1\">2025</span><span class=\"ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y207e wbc hac\"><div class=\"t m0 x80 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">174,922<span class=\"ffa\"> </span></div></td><td class=\"c x371 y207e wa5 hac\"><div class=\"t m0 x46 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y207e wbc hac\"><div class=\"t m0 x6b h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y207e wa5 hac\"><div class=\"t m0 x80 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">174,922 </div></td></tr><tr><td class=\"c x2b9 y207f wfd hfc\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at FVOCI<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2080 wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2080 wbc h97\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2080 wa5 h97\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2080 wbc h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2080 wa5 h97\"><div class=\"t m0 x80 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">178,828 </div></td></tr><tr><td class=\"c x2b9 y2081 wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2081 wbc had\"><div class=\"t m0 x1d h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(9,647)<span class=\"_ _bc\"> </span></div></td><td class=\"c x371 y2081 wa5 had\"><div class=\"t m0 x46 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x372 y2081 wbc had\"><div class=\"t m0 x6b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x376 y2081 wa5 had\"><div class=\"t m0 x1d h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(9,647) </div></td></tr><tr><td class=\"c x2b9 y2082 wfd hac\"><div class=\"t m0 x10 h25 y8e7 ff1 fs8 fc0 sc0 ls29 ws98\">Fair value a<span class=\"_ _1\"></span>nd oth<span class=\"_ _1\"></span>er mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2082 wbc hac\"><div class=\"t m0 xe5 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,784<span class=\"_ _bc\"> </span></div></td><td class=\"c x371 y2082 wa5 hac\"><div class=\"t m0 x46 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x372 y2082 wbc hac\"><div class=\"t m0 x6b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x376 y2082 wa5 hac\"><div class=\"t m0 xe5 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,784 </div></td></tr><tr><td class=\"c x2b9 y2083 wfd had\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December <span class=\"ws1\">2025</span><span class=\"ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2083 wbc had\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2083 wa5 had\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2083 wbc had\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2083 wa5 had\"><div class=\"t m0 x80 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">170,965 </div></td></tr><tr><td class=\"c x2b9 y2084 wfd hfc\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Debt securities measured at amortised cost<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2085 wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2085 wbc had\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2085 wa5 had\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2085 wbc had\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2085 wa5 had\"><div class=\"t m0 x113 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">21,132 </div></td></tr><tr><td class=\"c x2b9 y2086 wfd hac\"><div class=\"t m0 x10 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2086 wbc hac\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">13,596<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2086 wa5 hac\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2086 wbc hac\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2086 wa5 hac\"><div class=\"t m0 x113 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">13,596 </div></td></tr><tr><td class=\"c x2b9 y2087 wfd hac\"><div class=\"t m0 x10 h25 y8e7 ff1 fs8 fc0 sc0 ls1 ws1\">O<span class=\"ls4 ws9a\">ther movem<span class=\"_ _1\"></span>ents</span><span class=\"ffb\"> </span></div></td><td class=\"c x370 y2087 wbc hac\"><div class=\"t m0 xd6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(825)<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2087 wa5 hac\"><div class=\"t m0 x46 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2087 wbc hac\"><div class=\"t m0 x6b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2087 wa5 hac\"><div class=\"t m0 xd6 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(825) </div></td></tr><tr><td class=\"c x2b9 y2088 wfd hac\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December <span class=\"ws1\">2025</span><span class=\"ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2088 wbc hac\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903<span class=\"ffa\"> </span></div></td><td class=\"c x371 y2088 wa5 hac\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y2088 wbc hac\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y2088 wa5 hac\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,903 </div></td></tr><tr><td class=\"c x2b9 y2089 wfd hfc\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to banks at amortised cost<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y208a wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January <span class=\"ls1\">2025</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y208a wbc h95\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">46,198<span class=\"ffa\"> </span></div></td><td class=\"c x371 y208a wa5 h95\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y208a wbc h95\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y208a wa5 h95\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">46,198 </div></td></tr><tr><td class=\"c x2b9 y208b wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y208b wbc had\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,110,967<span class=\"ffa\"> </span></div></td><td class=\"c x371 y208b wa5 had\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y208b wbc had\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y208b wa5 had\"><div class=\"t m0 x107 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,110,967 </div></td></tr><tr><td class=\"c x2b9 y208c wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y208c wbc hac\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(5,094,739)<span class=\"ffa\"> </span></div></td><td class=\"c x371 y208c wa5 hac\"><div class=\"t m0 x46 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x372 y208c wbc hac\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x376 y208c wa5 hac\"><div class=\"t m0 xe9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(5,094,739) </div></td></tr><tr><td class=\"c x2b9 y208d wfd had\"><div class=\"t m0 x10 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December <span class=\"ws1\">2025<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x370 y208d wbc had\"><div class=\"t m0 x113 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">62,426<span class=\"_ _bc\"> </span></div></td><td class=\"c x371 y208d wa5 had\"><div class=\"t m0 x46 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x372 y208d wbc had\"><div class=\"t m0 x6b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x376 y208d wa5 had\"><div class=\"t m0 x113 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">62,426 </div></td></tr></table><table class=\"s w217 h1d0\" id=\"_8623eeb3-87f4-441e-b4a8-8b1172fa088f\"><tr><td></td><td></td><td class=\"c x370 y208e w103 h102\"><div class=\"t m0 x8 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y208f w104 he5\"><div class=\"t m0 x26 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1 <span class=\"ws1\"> </span></div></td><td class=\"c x377 y208f waf he5\"><div class=\"t m0 x26 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x378 y208f w105 he5\"><div class=\"t m0 x35 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x379 h29 y2090 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span> </td><td class=\"t m0 x37a h29 y2090 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x37b h29 y2090 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y208f w104 he5\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x377 y208f waf he5\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x378 y208f w105 he5\"><div class=\"t m0 x125 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x37c y208f w106 he5\"><div class=\"t m0 xb5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x370 y2091 w104 h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x377 y2091 waf h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x378 y2091 w105 h96\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x37c y2091 w106 h96\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y2092 w218 h1a7\"><div class=\"t m0 x26e h29 y1e31 ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x296 h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws9b\">amortised cost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2093 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2094 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2094 w104 hfc\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">277,046<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2094 waf hfc\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,732<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2094 w105 hfc\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,547<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2094 w106 hfc\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">286,325 </div></td></tr><tr><td class=\"c x2b9 y2095 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2096 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2096 w104 had\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(624)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2096 waf had\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">624<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2096 w105 had\"><div class=\"t m0 xea h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2096 w106 had\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2097 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2097 w104 hac\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(175)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2097 waf hac\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2097 w105 hac\"><div class=\"t m0 x69 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">175<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2097 w106 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2098 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2098 w104 hac\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">115<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2098 waf hac\"><div class=\"t m0 xd9 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(115)<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2098 w105 hac\"><div class=\"t m0 xea h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2098 w106 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2099 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage <span class=\"ls1 ws1\">3 </span>to Sta<span class=\"_ _1\"></span>ge <span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y2099 w104 had\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">82<span class=\"ffa\"> </span></div></td><td class=\"c x377 y2099 waf had\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x378 y2099 w105 had\"><div class=\"t m0 x27 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(82)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y2099 w106 had\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y209a wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage <span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y209a w104 hac\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209a waf hac\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">132<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209a w105 hac\"><div class=\"t m0 xcd h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(132)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y209a w106 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y209b w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y209c w104 h9e\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(602)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209c waf h9e\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">641<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209c w105 h9e\"><div class=\"t m0 x27 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(39)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y209c w106 h9e\"><div class=\"t m0 x37 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y209d wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y209d w104 h96\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">57,442<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209d waf h96\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">622<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209d w105 h96\"><div class=\"t m0 x8f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x37c y209d w106 h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">58,066 </div></td></tr><tr><td class=\"c x2b9 y209e wfd h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y209e wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y209e w104 h9e\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(3,130)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209e waf h9e\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">291<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209e w105 h9e\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(134)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y209e w106 h9e\"><div class=\"t m0 x35 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(2,973) </div></td></tr><tr><td class=\"c x2b9 y209f wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y209f w104 h97\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13,292)<span class=\"ffa\"> </span></div></td><td class=\"c x377 y209f waf h97\"><div class=\"t m0 xd9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(504)<span class=\"ffa\"> </span></div></td><td class=\"c x378 y209f w105 h97\"><div class=\"t m0 x37 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x37c y209f w106 h97\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(13,797) </div></td></tr><tr><td class=\"c x2b9 y20a0 wfd h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Total net chang<span class=\"_ _1\"></span>e during the y<span class=\"_ _1\"></span>ear<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x370 y20a0 w104 h96\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">40,418<span class=\"ffa\"> </span></div></td><td class=\"c x377 y20a0 waf h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">1,0<span class=\"ls1 ws1\">50</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x378 y20a0 w105 h96\"><div class=\"t m0 xcd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(172)<span class=\"ffa\"> </span></div></td><td class=\"c x37c y20a0 w106 h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">41,296 </div></td></tr><tr><td class=\"c x2b9 y20a1 wfd h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x370 y20a1 w104 h96\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">317,464<span class=\"ffa\"> </span></div></td><td class=\"c x377 y20a1 waf h96\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,782<span class=\"ffa\"> </span></div></td><td class=\"c x378 y20a1 w105 h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,375<span class=\"ffa\"> </span></div></td><td class=\"c x37c y20a1 w106 h96\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">327,621 </div></td></tr></table><table class=\"s w21a h1d1\" id=\"_40b0c1de-3dd4-4123-be9a-88c8fc9a6796\"><tr><td></td><td></td><td class=\"c x370 y20a2 w100 h102\"><div class=\"t m0 x3f h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">2025 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y20a3 w101 he5\"><div class=\"t m0 x22 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 1 <span class=\"ws1\"> </span></div></td><td class=\"c x37e y20a3 w101 he5\"><div class=\"t m0 x113 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 2 </div></td><td class=\"c x37f y20a3 w8f he5\"><div class=\"t m0 x22 h29 yfda ff3 fs8 fc0 sc0 ls1 ws9b\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x380 h29 y20a4 ff3 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls28 ws99\">month</span><span class=\"ls28 ws99\"> </span> </td><td class=\"t m0 x381 h29 y20a4 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x382 h29 y20a4 ff3 fs8 fc0 sc0 ls27 ws98\">Life<span class=\"_ _1\"></span>time <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y20a3 w101 he5\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x37e y20a3 w101 he5\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x37f y20a3 w8f he5\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls3 ws114\">ECL<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x383 y20a3 w101 he5\"><div class=\"t m0 xb5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td></td><td class=\"c x370 y20a5 w101 h96\"><div class=\"t m0 xb5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x37e y20a5 w101 h96\"><div class=\"t m0 xe5 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x37f y20a5 w8f h96\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffa\"> </span></div></td><td class=\"c x383 y20a5 w101 h96\"><div class=\"t m0 xe5 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y20a6 w218 h1a7\"><div class=\"t m0 x26e h29 y1e31 ff3 fs8 fc0 sc0 ls1 ws9b\">Loans and advances to customers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x296 h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws9b\">amortised cost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20a7 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20a8 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y20a8 w101 hfc\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">699,257<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20a8 w101 hfc\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">131,158<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20a8 w8f hfc\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">50,687<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20a8 w101 hfc\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">881,102 </div></td></tr><tr><td class=\"c x2b9 y20a9 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Transfe<span class=\"_ _1\"></span>rs of financial instr<span class=\"_ _1\"></span>uments<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20aa wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20aa w101 had\"><div class=\"t m0 x33 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(43,154)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20aa w101 had\"><div class=\"t m0 x1d h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">43,154<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20aa w8f had\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20aa w101 had\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ab wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ab w101 hac\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(175)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20ab w101 hac\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20ab w8f hac\"><div class=\"t m0 x49 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">175<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20ab w101 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ac wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ac w101 hac\"><div class=\"t m0 x1d h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">24,534<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20ac w101 hac\"><div class=\"t m0 x33 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(24,534)<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20ac w8f hac\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20ac w101 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ad wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ad w101 had\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20ad w101 had\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(94)<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20ad w8f had\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">94<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20ad w101 had\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ae wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ae w101 hac\"><div class=\"t m0 x125 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">82<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20ae w101 hac\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20ae w8f hac\"><div class=\"t m0 x10b h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(82)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20ae w101 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20af wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20af w101 hac\"><div class=\"t m0 x37 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20af w101 hac\"><div class=\"t m0 x26 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,397<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20af w8f hac\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">(1,397)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20af w101 hac\"><div class=\"t m0 x37 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y20b0 w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y20b1 w101 h9e\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(18,713)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b1 w101 h9e\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">19,923<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b1 w8f h9e\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(1,210)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b1 w101 h9e\"><div class=\"t m0 x37 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20b2 wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20b2 w101 h95\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">135,574<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b2 w101 h95\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,109<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b2 w8f h95\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">193<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b2 w101 h95\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">150,876 </div></td></tr><tr><td class=\"c x2b9 y20b3 wfd h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20b3 wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y20b3 w101 h9e\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(32,739)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b3 w101 h9e\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">383<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b3 w8f h9e\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">749<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b3 w101 h9e\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(31,607) </div></td></tr><tr><td class=\"c x2b9 y20b4 wfd h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20b4 w101 h94\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(45,347)<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b4 w101 h94\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(14,060)<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b4 w8f h94\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(4,111)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b4 w101 h94\"><div class=\"t m0 x33 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(63,518) </div></td></tr><tr><td class=\"c x2b9 y20b5 wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y20b5 w101 h95\"><div class=\"t m0 x37 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b5 w101 h95\"><div class=\"t m0 x37 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b5 w8f h95\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(386)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b5 w101 h95\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(386) </div></td></tr><tr><td class=\"c x2b9 y20b6 wfd h96\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">Total net chang<span class=\"_ _1\"></span>e during the y<span class=\"_ _1\"></span>ear<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x370 y20b6 w101 h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">38,775<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b6 w101 h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">21,355<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b6 w8f h96\"><div class=\"t m0 x35 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(4,765)<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b6 w101 h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">55,365 </div></td></tr><tr><td class=\"c x2b9 y20b7 wfd h94\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Gross carrying amount as at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x370 y20b7 w101 h94\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">738,032<span class=\"ffa\"> </span></div></td><td class=\"c x37e y20b7 w101 h94\"><div class=\"t m0 x90 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">152,513<span class=\"ffa\"> </span></div></td><td class=\"c x37f y20b7 w8f h94\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">45,922<span class=\"ffa\"> </span></div></td><td class=\"c x383 y20b7 w101 h94\"><div class=\"t m0 x90 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">936,467 </div></td></tr></table><table class=\"s w21b h1d2\" id=\"_29392899-2f46-486e-9761-814d528892a3\"><tr><td></td><td></td><td class=\"c x370 y20b8 wfe h102\"><div class=\"t m0 x3e h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y20b9 wbc he5\"><div class=\"t m0 x33 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x371 y20b9 wa5 he5\"><div class=\"t m0 x113 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x372 y20b9 wbc he5\"><div class=\"t m0 xd4 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x373 h25 y20ba ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span> </td><td class=\"t m0 x384 h25 y20ba ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x375 h25 y20ba ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls28 ws99\">Lifetime</span> </td><td></td></tr><tr><td></td><td class=\"c x370 y20b9 wbc he5\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20b9 wa5 he5\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20b9 wbc he5\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> ECL<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20b9 wa5 he5\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x370 y20bb wbc hfc\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x371 y20bb wa5 hfc\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x372 y20bb wbc hfc\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x376 y20bb wa5 hfc\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y20bc wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Balanc<span class=\"_ _1\"></span>es with Ce<span class=\"_ _1\"></span>ntral Bank<span class=\"_ _1\"></span> of Ma<span class=\"_ _1\"></span>lta and tr<span class=\"_ _1\"></span>easury <span class=\"_ _1\"></span>bills<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20bd wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20bd wbc h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">138,157<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20bd wa5 h96\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20bd wbc h96\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20bd wa5 h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">138,157 </div></td></tr><tr><td class=\"c x2b9 y20be wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20be wbc h95\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,016,795<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20be wa5 h95\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20be wbc h95\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20be wa5 h95\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,016,795 </div></td></tr><tr><td class=\"c x2b9 y20bf wfd h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20bf wbc h94\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(6,008,080)<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20bf wa5 h94\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20bf wbc h94\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20bf wa5 h94\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(6,008,080) </div></td></tr><tr><td class=\"c x2b9 y20c0 wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c0 wbc hac\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c0 wa5 hac\"><div class=\"t m0 x46 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c0 wbc hac\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c0 wa5 hac\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">146,872 </div></td></tr><tr><td class=\"c x2b9 y20c1 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at FVO<span class=\"_ _1\"></span>CI<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20c2 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20c2 wbc h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">199,965<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c2 wa5 h96\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c2 wbc h96\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c2 wa5 h96\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">199,965 </div></td></tr><tr><td class=\"c x2b9 y20c3 wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c3 wbc hac\"><div class=\"t m0 x90 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">(29,283)<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c3 wa5 hac\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c3 wbc hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c3 wa5 hac\"><div class=\"t m0 x90 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">(29,283) </div></td></tr><tr><td class=\"c x2b9 y20c4 wfd hac\"><div class=\"t m0 x10 h25 y99e ff1 fs8 fc0 sc0 ls29 ws98\">Fair value a<span class=\"_ _1\"></span>nd oth<span class=\"_ _1\"></span>er mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c4 wbc hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">8,146<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c4 wa5 hac\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c4 wbc hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c4 wa5 hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">8,146 </div></td></tr><tr><td class=\"c x2b9 y20c5 wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c5 wbc hac\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c5 wa5 hac\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c5 wbc hac\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c5 wa5 hac\"><div class=\"t m0 x80 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,828 </div></td></tr><tr><td class=\"c x2b9 y20c6 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Debt securiti<span class=\"_ _1\"></span>es mea<span class=\"_ _1\"></span>sured at amo<span class=\"_ _1\"></span>rtised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20c7 wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20c7 wbc hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">8,357<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c7 wa5 hac\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c7 wbc hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c7 wa5 hac\"><div class=\"t m0 xe5 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">8,357 </div></td></tr><tr><td class=\"c x2b9 y20c8 wfd hac\"><div class=\"t m0 x10 h25 y99e ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c8 wbc hac\"><div class=\"t m0 x113 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">12,542<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c8 wa5 hac\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c8 wbc hac\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c8 wa5 hac\"><div class=\"t m0 x113 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">12,542 </div></td></tr><tr><td class=\"c x2b9 y20c9 wfd had\"><div class=\"t m0 x10 h25 y99e ff1 fs8 fc0 sc0 ls4 ws9a\">Other mov<span class=\"_ _1\"></span>ements<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20c9 wbc had\"><div class=\"t m0 xd8 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">233<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20c9 wa5 had\"><div class=\"t m0 x46 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20c9 wbc had\"><div class=\"t m0 x6b h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20c9 wa5 had\"><div class=\"t m0 xd8 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">233 </div></td></tr><tr><td class=\"c x2b9 y20ca wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ca wbc hac\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20ca wa5 hac\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20ca wbc hac\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20ca wa5 hac\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,132 </div></td></tr><tr><td class=\"c x2b9 y20cb wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks at am<span class=\"_ _1\"></span>ortised co<span class=\"_ _1\"></span>st<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20cc wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20cc wbc h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">38,139<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20cc wa5 h97\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20cc wbc h97\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20cc wa5 h97\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">38,139 </div></td></tr><tr><td class=\"c x2b9 y20cd wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20cd wbc had\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,319,694<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20cd wa5 had\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20cd wbc had\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20cd wa5 had\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,319,694 </div></td></tr><tr><td class=\"c x2b9 y20ce wfd hac\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ce wbc hac\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,311,635)<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20ce wa5 hac\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20ce wbc hac\"><div class=\"t m0 x6b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20ce wa5 hac\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,311,635) </div></td></tr><tr><td class=\"c x2b9 y20cf wfd had\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y20cf wbc had\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">46,198<span class=\"ffb\"> </span></div></td><td class=\"c x371 y20cf wa5 had\"><div class=\"t m0 x46 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x372 y20cf wbc had\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x376 y20cf wa5 had\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">46,198 </div></td></tr></table><table class=\"s w21c h1d3\" id=\"_5ea217e9-0221-4b49-9a54-319b630fddbf\"><tr><td></td><td></td><td class=\"c x370 y20d0 w100 h102\"><div class=\"t m0 x3f h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y20d1 w101 he5\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x37e y20d1 w101 he5\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x37f y20d1 w8f he5\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x380 h25 y20d2 ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span> </td><td class=\"t m0 x385 h25 y20d2 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x386 h25 y20d2 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y20d1 w101 he5\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d1 w101 he5\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d1 w8f he5\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d1 w101 he5\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x370 y20d3 w101 h96\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d3 w101 h96\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d3 w8f h96\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d3 w101 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y20d4 w21d h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">amortised c<span class=\"_ _1\"></span>ost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20d5 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20d6 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20d6 w101 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">379,074<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d6 w101 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">122,035<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d6 w8f hfc\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,943<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d6 w101 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">529,052 </div></td></tr><tr><td class=\"c x2b9 y20d7 wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20d8 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20d8 w101 had\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(43,190)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d8 w101 had\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">43,190<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d8 w8f had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d8 w101 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20d9 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20d9 w101 hac\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(2,407)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20d9 w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20d9 w8f hac\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2,407<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20d9 w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20da wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20da w101 hac\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">13,310<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20da w101 hac\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(13,310)<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20da w8f hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20da w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20db wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20db w101 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20db w101 had\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(27,511)<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20db w8f had\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">27,511<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20db w101 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20dc wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20dc w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20dc w101 hac\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,951<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20dc w8f hac\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(1,951)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20dc w101 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y20dd w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y20de w101 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(32,287)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20de w101 h9e\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,320<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20de w8f h9e\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,967<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20de w101 h9e\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20df wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20df w101 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">116,054<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20df w101 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,156<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20df w8f h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,004<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20df w101 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">133,214 </div></td></tr><tr><td class=\"c x2b9 y20e0 wfd h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20e0 wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20e0 w101 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(17,735)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20e0 w101 h9e\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,505)<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20e0 w8f h9e\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(6,352)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20e0 w101 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(28,592) </div></td></tr><tr><td class=\"c x2b9 y20e1 wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20e1 w101 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(22,895)<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20e1 w101 h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(8,580)<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20e1 w8f h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,801)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20e1 w101 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(36,276) </div></td></tr><tr><td class=\"c x2b9 y20e2 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y20e2 w101 h96\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20e2 w101 h96\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20e2 w8f h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,621)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20e2 w101 h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,621) </div></td></tr><tr><td class=\"c x2b9 y20e3 wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Tota<span class=\"_ _1\"></span>l net change <span class=\"_ _1\"></span>during t<span class=\"_ _1\"></span>he year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20e3 w101 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">43,137<span class=\"ffb\"> </span></div></td><td class=\"c x37e y20e3 w101 h95\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,391<span class=\"ffb\"> </span></div></td><td class=\"c x37f y20e3 w8f h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">16,197<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20e3 w101 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">65,725 </div></td></tr><tr><td class=\"c x2b9 y1f13 wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y1f13 w101 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">422,211<span class=\"ffb\"> </span></div></td><td class=\"c x37e y1f13 w101 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">128,426<span class=\"ffb\"> </span></div></td><td class=\"c x37f y1f13 w8f h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">44,140<span class=\"ffb\"> </span></div></td><td class=\"c x383 y1f13 w101 h97\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">594,777 </div></td></tr></table><table class=\"s w21e h1d0\" id=\"_ffec6f44-f587-4583-9c2e-459b948149c1\"><tr><td></td><td></td><td class=\"c x370 y20e4 w103 h102\"><div class=\"t m0 x8 h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x370 y20e5 w104 he5\"><div class=\"t m0 x26 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x377 y20e5 waf he5\"><div class=\"t m0 x26 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x378 y20e5 w105 he5\"><div class=\"t m0 x35 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x387 h25 y20e6 ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span> </td><td class=\"t m0 x388 h25 y20e6 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x37b h25 y20e6 ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y20e5 w104 he5\"><div class=\"t m0 xe6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20e5 waf he5\"><div class=\"t m0 xe6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20e5 w105 he5\"><div class=\"t m0 x125 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20e5 w106 he5\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x370 y20e7 w104 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x377 y20e7 waf h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x378 y20e7 w105 h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x37c y20e7 w106 h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y20e8 w21d h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">amortised c<span class=\"_ _1\"></span>ost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20e9 wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20ea wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20ea w104 hfc\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">232,239<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ea waf hfc\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,189<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ea w105 hfc\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,275<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ea w106 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">240,703 </div></td></tr><tr><td class=\"c x2b9 y20eb wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20ec wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ec w104 had\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(789)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ec waf had\"><div class=\"t m0 xe6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">789<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ec w105 had\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ec w106 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ed wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ed w104 hac\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(420)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ed waf hac\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ed w105 hac\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">420<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ed w106 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ee wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ee w104 hac\"><div class=\"t m0 xe6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">799<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ee waf hac\"><div class=\"t m0 x69 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(799)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ee w105 hac\"><div class=\"t m0 xea h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ee w106 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20ef wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20ef w104 had\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20ef waf had\"><div class=\"t m0 xd6 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(3,868)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20ef w105 had\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">3,868<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20ef w106 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20f0 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f0 w104 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">11<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f0 waf hac\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f0 w105 hac\"><div class=\"t m0 x27 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f0 w106 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y20f1 w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y20f2 w104 h9e\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(399)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f2 waf h9e\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(3,878)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f2 w105 h9e\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,277<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f2 w106 h9e\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y20f3 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f3 w104 h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">62,704<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f3 waf h96\"><div class=\"t m0 xea h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f3 w105 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,391<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f3 w106 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">64,098 </div></td></tr><tr><td class=\"c x2b9 y20f4 wfd h9e\"><div class=\"t m0 x10 h25 y978 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20f4 wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20f4 w104 h9e\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(10,219)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f4 waf h9e\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(501)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f4 w105 h9e\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">125<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f4 w106 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(10,595) </div></td></tr><tr><td class=\"c x2b9 y20f5 wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f5 w104 h97\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,279)<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f5 waf h97\"><div class=\"t m0 x104 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(81)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f5 w105 h97\"><div class=\"t m0 xcd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(521)<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f5 w106 h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(7,881) </div></td></tr><tr><td class=\"c x2b9 y20f6 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Tota<span class=\"_ _1\"></span>l net change <span class=\"_ _1\"></span>during t<span class=\"_ _1\"></span>he year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f6 w104 h96\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">44,807<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f6 waf h96\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(4,457)<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f6 w105 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,272<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f6 w106 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">45,622 </div></td></tr><tr><td class=\"c x2b9 y20f7 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y20f7 w104 h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">277,046<span class=\"ffb\"> </span></div></td><td class=\"c x377 y20f7 waf h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,732<span class=\"ffb\"> </span></div></td><td class=\"c x378 y20f7 w105 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">6,547<span class=\"ffb\"> </span></div></td><td class=\"c x37c y20f7 w106 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">286,325 </div></td></tr></table><table class=\"s w21c h1d1\" id=\"_8506031d-c07e-4baa-b46e-c7e207f9e216\"><tr><td></td><td></td><td></td><td class=\"c x370 y20f8 w108 h102\"><div class=\"t m0 x3f h25 y827 ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td></tr><tr><td></td><td class=\"c x370 y20f9 w109 h11b\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 1 <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x389 y20f9 w109 h11b\"><div class=\"t m0 x113 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 2 </div></td><td class=\"c x38a y20f9 w109 h11b\"><div class=\"t m0 x22 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Stage 3 </div></td><td></td></tr><tr><td></td><td class=\"t m0 x380 h25 y20fa ff1 fs8 fc0 sc0 ls1 ws1\">12-<span class=\"ls29 ws9a\">month</span><span class=\"ls29 ws9a\"> </span> </td><td class=\"t m0 x381 h25 y20fa ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x382 h25 y20fa ff1 fs8 fc0 sc0 ls4 ws0\">Lifetime <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x370 y20f9 w109 h11b\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x389 y20f9 w109 h11b\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x38a y20f9 w109 h11b\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">ECL<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20f9 w109 h11b\"><div class=\"t m0 xb5 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x370 y20fb w109 h94\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x389 y20fb w109 h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x38a y20fb w109 h94\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000 </span><span class=\"ffb\"> </span></div></td><td class=\"c x383 y20fb w109 h94\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ws9b\">\u20ac 000</span> </div></td></tr><tr><td class=\"c x270 y20fc w21d h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers at<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">amortised c<span class=\"_ _1\"></span>ost<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20fd wfd hfc\"><div class=\"t m0 x10 h35 y3eb ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y20fe wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Gross carryin<span class=\"_ _0\"></span>g amount as at 1 January 2024<span class=\"ffb ls1\"> </span></div></td><td class=\"c x370 y20fe w109 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">611,313<span class=\"ffb\"> </span></div></td><td class=\"c x389 y20fe w109 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">129,224<span class=\"ffb\"> </span></div></td><td class=\"c x38a y20fe w109 hfc\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">29,218<span class=\"ffb\"> </span></div></td><td class=\"c x383 y20fe w109 hfc\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">769,755 </div></td></tr><tr><td class=\"c x2b9 y20ff wfd hfc\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Transfer<span class=\"_ _1\"></span>s of fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nstrume<span class=\"_ _1\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2100 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2100 w109 had\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(43,979)<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2100 w109 had\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">43,979<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2100 w109 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2100 w109 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2101 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 1 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2101 w109 hac\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(2,827)<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2101 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2101 w109 hac\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2,827<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2101 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2102 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2102 w109 hac\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">14,109<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2102 w109 hac\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(14,109)<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2102 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2102 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2103 wfd had\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 2 to<span class=\"_ _1\"></span> Stage 3<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2103 w109 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2103 w109 had\"><div class=\"t m0 x33 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(31,379)<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2103 w109 had\"><div class=\"t m0 x1d h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">31,379<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2103 w109 had\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2104 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 1<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2104 w109 hac\"><div class=\"t m0 x125 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">11<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2104 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2104 w109 hac\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(11)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2104 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2105 wfd hac\"><div class=\"t m0 xe2 h25 y8e7 ff1 fs8 fc0 sc0 ls4 ws9a\">Transfer f<span class=\"_ _1\"></span>rom Stage 3 to<span class=\"_ _1\"></span> Stage 2<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2105 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2105 w109 hac\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,951<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2105 w109 hac\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">(1,951)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2105 w109 hac\"><div class=\"t m0 x37 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y20dd w219 h196\"><div class=\"t m0 x26e h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">Tota<span class=\"_ _1\"></span>l changes in gro<span class=\"_ _1\"></span>ss carryin<span class=\"_ _1\"></span>g amo<span class=\"_ _1\"></span>unts arising fro<span class=\"_ _1\"></span>m<span class=\"_ _bc\"> </span></div><div class=\"t m0 x37d h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws9a\">transfer<span class=\"_ _1\"></span>s in stages<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y2106 w109 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(32,686)<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2106 w109 h9e\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">442<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2106 w109 h9e\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">32,244<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2106 w109 h9e\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2107 wfd h95\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">New financia<span class=\"_ _1\"></span>l asset<span class=\"_ _1\"></span>s originat<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2107 w109 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,758<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2107 w109 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,159<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2107 w109 h95\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,395<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2107 w109 h95\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">197,312 </div></td></tr><tr><td class=\"c x2b9 y2108 wfd h9e\"><div class=\"t m0 x10 h25 y979 ff1 fs8 fc0 sc0 ls4 ws9a\">Changes in <span class=\"_ _1\"></span>gross carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt in respec<span class=\"_ _1\"></span>t of fac<span class=\"_ _1\"></span>ilities </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2108 wfd h9e\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">present as at<span class=\"_ _0\"></span> 1 January 2024<span class=\"_ _bc\"> </span></div></td><td class=\"c x370 y2108 w109 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(27,954)<span class=\"_ _bc\"> </span></div></td><td class=\"c x389 y2108 w109 h9e\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(5,006)<span class=\"_ _bc\"> </span></div></td><td class=\"c x38a y2108 w109 h9e\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(6,227)<span class=\"_ _bc\"> </span></div></td><td class=\"c x383 y2108 w109 h9e\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(39,187) </div></td></tr><tr><td class=\"c x2b9 y2109 wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets d<span class=\"_ _1\"></span>erecognised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y2109 w109 h96\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(30,174)<span class=\"ffb\"> </span></div></td><td class=\"c x389 y2109 w109 h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(8,661)<span class=\"ffb\"> </span></div></td><td class=\"c x38a y2109 w109 h96\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(5,322)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y2109 w109 h96\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(44,157) </div></td></tr><tr><td class=\"c x2b9 y210a wfd h97\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">Write<span class=\"ls1 ws1\">-<span class=\"ls79 ws113\">offs</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x370 y210a w109 h97\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x389 y210a w109 h97\"><div class=\"t m0 x37 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x38a y210a w109 h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,621)<span class=\"ffb\"> </span></div></td><td class=\"c x383 y210a w109 h97\"><div class=\"t m0 x35 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(2,621) </div></td></tr><tr><td class=\"c x2b9 y210b wfd h96\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Tota<span class=\"_ _1\"></span>l net change <span class=\"_ _1\"></span>during t<span class=\"_ _1\"></span>he year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y210b w109 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">87,944<span class=\"ffb\"> </span></div></td><td class=\"c x389 y210b w109 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,934<span class=\"ffb\"> </span></div></td><td class=\"c x38a y210b w109 h96\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,469<span class=\"ffb\"> </span></div></td><td class=\"c x383 y210b w109 h96\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">111,347 </div></td></tr><tr><td class=\"c x2b9 y210c wfd h94\"><div class=\"t m0 x10 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Gross carr<span class=\"_ _1\"></span>ying amou<span class=\"_ _1\"></span>nt as at 31 D<span class=\"_ _1\"></span>ecember 2024<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x370 y210c w109 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">699,257<span class=\"ffb\"> </span></div></td><td class=\"c x389 y210c w109 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">131,158<span class=\"ffb\"> </span></div></td><td class=\"c x38a y210c w109 h94\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">50,687<span class=\"ffb\"> </span></div></td><td class=\"c x383 y210c w109 h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">881,102 </div></td></tr></table>Undrawn com<span class=\"_ _1\"></span>mitments t<span class=\"_ _1\"></span>o lend as a<span class=\"_ _1\"></span>t 31 December 202<span class=\"ls1 ws1\">5 <span class=\"ls8 ws2d\">a<span class=\"_ _1\"></span>mounted to </span></span><span class=\"ws8\">\u20ac355,682,000<span class=\"ls1 ws1\"> </span>(202<span class=\"_ _1\"></span><span class=\"ls1 ws1\">4<span class=\"lsd ws6c\">: \u20ac</span></span>291,647,000<span class=\"_ _1\"></span><span class=\"lsd ws44\">) </span></span>and predom<span class=\"_ _0\"></span>inantly com<span class=\"_ _0\"></span>prise o<span class=\"_ _0\"></span>f sanctio<span class=\"_ _0\"></span>ned but not ye<span class=\"_ _0\"></span>t draw<span class=\"_ _0\"></span>n faci<span class=\"_ _0\"></span>lities w<span class=\"_ _0\"></span>hich are<span class=\"_ _0\"></span> classified as \u2018St<span class=\"_ _0\"></span>age 1\u2019<span class=\"_ _0\"></span> (12<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>month ECL)<span class=\"_ _0\"></span> upon drawdow<span class=\"_ _0\"></span>n by customer<span class=\"_ _0\"></span>s. Change<span class=\"_ _0\"></span>s in gross ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ount of undr<span class=\"_ _0\"></span>awn com<span class=\"_ _0\"></span>mitme<span class=\"_ _0\"></span>nts to lend mainly<span class=\"_ _1\"></span> relate to existing facil<span class=\"_ _1\"></span>ities drawn <span class=\"ls8 ws15\">down by custo<span class=\"_ _0\"></span>mers and ne<span class=\"_ _0\"></span>w f<span class=\"_ _0\"></span>acilit<span class=\"_ _0\"></span>ies sancti<span class=\"_ _0\"></span>oned during<span class=\"_ _0\"></span> 202<span class=\"ls1 ws1\">5 </span></span>and 202<span class=\"ls1 ws1\">4. </span>Contingent<span class=\"_ _1\"></span> liabilities as<span class=\"_ _1\"></span> at 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 <span class=\"_ _1d\"> </span><span class=\"ls8 ws58\">amounting t<span class=\"_ _0\"></span>o<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls6 ws8\">\u20ac22,<span class=\"_ _1\"></span>055,000</span>  <span class=\"lsd ws44\">(202</span>4<span class=\"lsd ws140\">: \u20ac<span class=\"ls6 ws8\">19,827,000<span class=\"ls7 ws78\">) are all<span class=\"_ _1\"></span> </span></span></span></span></span></span>classified a<span class=\"_ _1\"></span>s \u2018Stage 1\u2019 (12<span class=\"ls1 ws1\">-<span class=\"ls8 ws7a\">month ECL) b<span class=\"_ _0\"></span>y the<span class=\"_ _0\"></span> Group.<span class=\"_ _0\"></span> Chang<span class=\"_ _0\"></span>es in gr<span class=\"_ _0\"></span>oss car<span class=\"_ _0\"></span>rying<span class=\"_ _0\"></span> amount of<span class=\"_ _0\"></span> conting<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> </span></span>liabilities mai<span class=\"_ _1\"></span>nly related to t<span class=\"_ _1\"></span>he expiry or enforcement o<span class=\"_ _1\"></span>f existing finan<span class=\"_ _1\"></span>cial guarant<span class=\"_ _1\"></span>ees and the issuan<span class=\"_ _1\"></span>ce of new financial gu<span class=\"_ _1\"></span>arantees<span class=\"_ _1\"></span> during 202<span class=\"ls1 ws1\">5 </span>an<span class=\"_ _1\"></span>d 202<span class=\"ls1 ws1\">4. </span>Changes in<span class=\"_ _1\"></span> gross carrying a<span class=\"_ _1\"></span>mount aris<span class=\"_ _1\"></span>ing from foreign<span class=\"ls1 ws1\">-<span class=\"ls5 ws3f\">exch<span class=\"_ _1\"></span>ange an<span class=\"_ _1\"></span>d oth<span class=\"_ _1\"></span>er movemen<span class=\"_ _1\"></span>ts we<span class=\"_ _1\"></span>re not s<span class=\"_ _1\"></span>ignifi<span class=\"_ _1\"></span>cant.</span> </span>2.3.11<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls9 wsa\">Write<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">off po<span class=\"_ _1\"></span>licy</span> </span></span></span>The Grou<span class=\"_ _1\"></span>p writ<span class=\"_ _1\"></span>es off lo<span class=\"_ _1\"></span>ans a<span class=\"_ _1\"></span>nd a<span class=\"_ _1\"></span>dvan<span class=\"_ _1\"></span>ces to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span> when it<span class=\"_ _1\"></span> determin<span class=\"_ _1\"></span>es tha<span class=\"_ _1\"></span>t thes<span class=\"_ _1\"></span>e are un<span class=\"_ _1\"></span>collect<span class=\"_ _1\"></span>ible, it<span class=\"_ _1\"></span> has exhau<span class=\"_ _0\"></span>sted all <span class=\"_ _0\"></span>pract<span class=\"_ _0\"></span>ical r<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>overy e<span class=\"_ _0\"></span>ffort<span class=\"_ _0\"></span>s and has con<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>d there<span class=\"_ _0\"></span> is no r<span class=\"_ _0\"></span>easonabl<span class=\"_ _0\"></span>e ex<span class=\"_ _0\"></span>pectat<span class=\"_ _0\"></span>ion of recover<span class=\"_ _1\"></span>y. Th<span class=\"_ _1\"></span>is is<span class=\"_ _1\"></span> generall<span class=\"_ _1\"></span>y th<span class=\"_ _1\"></span>e cas<span class=\"_ _1\"></span>e when<span class=\"_ _1\"></span> the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span> deter<span class=\"_ _1\"></span>mines<span class=\"_ _1\"></span> that<span class=\"_ _1\"></span> the bo<span class=\"_ _1\"></span>rrower<span class=\"_ _1\"></span> does n<span class=\"_ _1\"></span>ot ha<span class=\"_ _1\"></span>ve as<span class=\"_ _1\"></span>sets o<span class=\"_ _1\"></span>r sources of<span class=\"_ _0\"></span> incom<span class=\"_ _0\"></span>e that could ge<span class=\"_ _0\"></span>nerat<span class=\"_ _0\"></span>e suffic<span class=\"_ _0\"></span>ient cash fl<span class=\"_ _0\"></span>ows to repay the<span class=\"_ _0\"></span> amounts subje<span class=\"_ _0\"></span>ct to the<span class=\"_ _0\"></span> write<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">offs<span class=\"_ _1\"></span>. <span class=\"ls1 ws1\"> </span></span></span>The Grou<span class=\"_ _1\"></span>p may wr<span class=\"_ _1\"></span>ite<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">off financi<span class=\"_ _1\"></span>al assets tha<span class=\"_ _1\"></span>t are still subject to enforcement acti<span class=\"_ _1\"></span>vity. The Group<span class=\"_ _1\"></span> still seeks </span></span>to reco<span class=\"_ _0\"></span>ver amo<span class=\"_ _0\"></span>unts it is le<span class=\"_ _0\"></span>gally owed in f<span class=\"_ _0\"></span>ull, but w<span class=\"_ _0\"></span>hich have bee<span class=\"_ _0\"></span>n partial<span class=\"_ _0\"></span>ly wri<span class=\"_ _0\"></span>tten off due to no<span class=\"_ _0\"></span> reasonable<span class=\"_ _0\"></span> expecta<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f full r<span class=\"_ _1\"></span>ecover<span class=\"_ _1\"></span>y.<span class=\"ls1 ws1\"> </span>The outsta<span class=\"_ _0\"></span>nding contr<span class=\"_ _0\"></span>actual am<span class=\"_ _0\"></span>ounts of asse<span class=\"_ _0\"></span>ts writ<span class=\"_ _0\"></span>ten off duri<span class=\"_ _0\"></span>ng the year ende<span class=\"_ _0\"></span>d 31 Decem<span class=\"_ _0\"></span>ber 202<span class=\"ls1 ws1\">5 </span>amounted to \u20ac<span class=\"ls6 ws8\">386,000</span><span class=\"ls1\"> <span class=\"ls6 ws8\">(202</span>4<span class=\"ls7a ws12c\">: <span class=\"ls6 ws8\">\u20ac2,621,<span class=\"_ _1\"></span>000<span class=\"lsd ws44\">).</span></span></span> </span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs52d\">2.3.12 Collat<span class=\"_ _1\"></span>eral<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs52e\">The G<span class=\"_ _0\"></span>roup employs a r<span class=\"_ _0\"></span>ange of<span class=\"_ _0\"></span> polici<span class=\"_ _0\"></span>es and prac<span class=\"_ _0\"></span>tices to<span class=\"_ _0\"></span> mitig<span class=\"_ _0\"></span>ate cre<span class=\"_ _0\"></span>dit risk. T<span class=\"_ _0\"></span>he amount and <span class=\"_ _0\"></span>type of<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gs52f\">collate<span class=\"_ _0\"></span>ral re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d depends on an as<span class=\"_ _0\"></span>sessme<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk of<span class=\"_ _0\"></span> the counte<span class=\"_ _0\"></span>rparty.<span class=\"_ _0\"></span> The<span class=\"_ _0\"></span> Bank\u2019s Bo<span class=\"_ _0\"></span>ard </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs530\">establis<span class=\"_ _1\"></span>hed a policy<span class=\"_ _1\"></span> regarding the accep<span class=\"_ _1\"></span>tability of ty<span class=\"_ _1\"></span><span class=\"ls7 ws1\">pes of collate<span class=\"_ _0\"></span>ral and valuation parame<span class=\"_ _0\"></span>ters.<span class=\"ls1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs531\">Longer<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ws83\">term fin<span class=\"_ _1\"></span>anc<span class=\"_ _1\"></span>e and l<span class=\"_ _1\"></span>endin<span class=\"_ _1\"></span>g to corp<span class=\"_ _1\"></span>orat<span class=\"_ _1\"></span>e and co<span class=\"_ _1\"></span>mmercial en<span class=\"_ _1\"></span>titi<span class=\"_ _1\"></span>es are gen<span class=\"_ _1\"></span>erally<span class=\"_ _1\"></span> secur<span class=\"_ _1\"></span>ed; revo<span class=\"_ _1\"></span>lving<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs532\">individ<span class=\"_ _1\"></span>ual credit facilities<span class=\"_ _1\"></span> are generally<span class=\"_ _1\"></span> unsecured.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs533\">The main types of<span class=\"_ _0\"></span> collateral<span class=\"_ _0\"></span> obtained are as follows:<span class=\"ls1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs534\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs535\">for corporat<span class=\"_ _1\"></span>e and commercial<span class=\"_ _1\"></span> lending,<span class=\"_ _1\"></span> charges over real es<span class=\"_ _1\"></span>tate properties<span class=\"_ _1\"></span>, cash or s<span class=\"_ _1\"></span>ecurities; and<span class=\"ls1 ws1\"> </span></div><div class=\"t m10 h2d ff9 fs1 fc0 sc0 ls1 ws1 gs536\">\u2022 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws47 gs537\">for per<span class=\"_ _0\"></span>sonal le<span class=\"_ _0\"></span>nding (includi<span class=\"_ _0\"></span>ng home loans and consum<span class=\"_ _0\"></span>er cr<span class=\"_ _0\"></span>edit), m<span class=\"_ _0\"></span>ortgages ove<span class=\"_ _0\"></span>r resi<span class=\"_ _0\"></span>dential prope<span class=\"_ _0\"></span>rties, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs538\">cash or s<span class=\"_ _1\"></span>ecurities.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs539\">Collate<span class=\"_ _0\"></span>ral he<span class=\"_ _0\"></span>ld as secur<span class=\"_ _0\"></span>ity for<span class=\"_ _0\"></span> financi<span class=\"_ _0\"></span>al assets othe<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>an loans and<span class=\"_ _0\"></span> adva<span class=\"_ _0\"></span>nces depe<span class=\"_ _0\"></span>nds on t<span class=\"_ _0\"></span>he natur<span class=\"_ _0\"></span>e of the<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs53a\">instrume<span class=\"_ _0\"></span>nt. Debt<span class=\"_ _0\"></span> securi<span class=\"_ _0\"></span>ties, tre<span class=\"_ _0\"></span>asury and ot<span class=\"_ _0\"></span>her e<span class=\"_ _0\"></span>ligibl<span class=\"_ _0\"></span>e bill<span class=\"_ _0\"></span>s are gene<span class=\"_ _0\"></span>rally unse<span class=\"_ _0\"></span>cured.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws5e gs53b\">Management assesses the<span class=\"_ _0\"></span> marke<span class=\"_ _0\"></span>t value of coll<span class=\"_ _0\"></span>ateral as part <span class=\"_ _0\"></span>of the l<span class=\"_ _0\"></span>oan origination proc<span class=\"_ _0\"></span>ess. Thi<span class=\"_ _0\"></span>s assessment </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs53c\">is reviewed p<span class=\"_ _1\"></span>eriodically th<span class=\"_ _1\"></span>rough<span class=\"_ _1\"></span> ongoing credit<span class=\"_ _1\"></span> file revie<span class=\"_ _1\"></span>ws. The Grou<span class=\"_ _1\"></span>p requests<span class=\"_ _1\"></span> addition<span class=\"_ _1\"></span>al collateral in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs53d\">accordanc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the unde<span class=\"_ _0\"></span>rlying agre<span class=\"_ _0\"></span>ement w<span class=\"_ _0\"></span>hen nece<span class=\"_ _0\"></span>ssary.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws37 gs53e\">The Group's po<span class=\"_ _1\"></span>licies regardi<span class=\"_ _1\"></span>ng obtain<span class=\"_ _1\"></span>ing collateral have no<span class=\"_ _1\"></span>t significant<span class=\"_ _1\"></span>ly changed during th<span class=\"_ _1\"></span>e reporting </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs53f\">period and t<span class=\"_ _0\"></span>here has be<span class=\"_ _0\"></span>en no sig<span class=\"_ _0\"></span>nific<span class=\"_ _0\"></span>ant change<span class=\"_ _0\"></span> in the overa<span class=\"_ _0\"></span>ll qualit<span class=\"_ _0\"></span>y of the c<span class=\"_ _0\"></span>ollate<span class=\"_ _0\"></span>ral held by the<span class=\"_ _0\"></span> Group<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs540\">since the<span class=\"_ _0\"></span> prior pe<span class=\"_ _0\"></span>riod.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs541\">A portion<span class=\"_ _1\"></span> of the Group\u2019s<span class=\"_ _1\"></span> financial as<span class=\"_ _1\"></span>sets has<span class=\"_ _1\"></span> sufficiently low \u2018<span class=\"_ _1\"></span>loan<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-</span>value\u2019 (\u2018L<span class=\"_ _1\"></span>TV\u2019) ratios, which<span class=\"_ _1\"></span> result in n<span class=\"_ _1\"></span>il </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs542\">loss al<span class=\"_ _1\"></span>lowance being recogni<span class=\"_ _1\"></span>sed in a<span class=\"_ _1\"></span>ccordance with th<span class=\"_ _1\"></span>e Group\u2019s E<span class=\"_ _1\"></span>xpected Credit Los<span class=\"_ _1\"></span>s model. As at 31<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs543\">Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"ls8 wsa\">, the gross carryi<span class=\"_ _0\"></span>ng amount of<span class=\"_ _0\"></span> such fi<span class=\"_ _0\"></span>nancial<span class=\"_ _0\"></span> assets i<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> <span class=\"ls6 ws8\">\u20ac594,667,000</span> <span class=\"ls6 ws8\">(202</span>4<span class=\"_ _1\"></span>: \u20ac<span class=\"ls6 ws8\">573,906,0<span class=\"_ _1\"></span>00<span class=\"lsd ws44\">).</span></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs544\">The ext<span class=\"_ _1\"></span>endib<span class=\"_ _1\"></span>le valu<span class=\"_ _1\"></span>e of t<span class=\"_ _1\"></span>he c<span class=\"_ _1\"></span>ollat<span class=\"_ _1\"></span>eral is<span class=\"_ _1\"></span> the lo<span class=\"_ _1\"></span>wer o<span class=\"_ _1\"></span>f the fa<span class=\"_ _1\"></span>ir v<span class=\"_ _1\"></span>alue of a<span class=\"_ _1\"></span> pled<span class=\"_ _1\"></span>ged as<span class=\"_ _1\"></span>set <span class=\"_ _1\"></span>for len<span class=\"_ _1\"></span>ding<span class=\"_ _1\"></span> purp<span class=\"_ _1\"></span>oses </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs545\">and the gro<span class=\"_ _0\"></span>ss carrying<span class=\"_ _0\"></span> amoun<span class=\"_ _0\"></span>t of the<span class=\"_ _0\"></span> secure<span class=\"_ _0\"></span>d loans.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws65 gs546\">The Group clos<span class=\"_ _1\"></span>ely monitors <span class=\"_ _1\"></span>collateral h<span class=\"_ _1\"></span>eld for finan<span class=\"_ _1\"></span>cial assets<span class=\"_ _1\"></span> considered t<span class=\"_ _1\"></span>o be credit<span class=\"ls1 ws1\">-</span>impaired, as<span class=\"_ _1\"></span> it </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs547\">becomes more<span class=\"_ _1\"></span> likely that<span class=\"_ _1\"></span> the Group<span class=\"_ _1\"></span> will take po<span class=\"_ _1\"></span>ssessio<span class=\"_ _1\"></span>n of collatera<span class=\"_ _1\"></span>l to mitiga<span class=\"_ _1\"></span>te poten<span class=\"_ _1\"></span>tial credit loss<span class=\"_ _1\"></span>es. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs548\">Financial a<span class=\"_ _1\"></span>ssets that a<span class=\"_ _1\"></span>re credit<span class=\"ls1 ws1\">-<span class=\"ls8 ws15\">im<span class=\"_ _0\"></span>paired and<span class=\"ls1 ws1\"> <span class=\"ls6 ws1d\">re<span class=\"_ _0\"></span>lated collatera<span class=\"_ _1\"></span>l held in order t<span class=\"_ _1\"></span>o mitigate potential los<span class=\"_ _1\"></span>ses are </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs549\">sho<span class=\"_ _1\"></span>wn below:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><table class=\"s w21f h1d4\" id=\"_58e6cd08-5de7-4674-894e-ee3731fae602\"><tr><td></td><td></td><td></td><td></td><td class=\"c x38b y210d w10b hc3\"><div class=\"t m0 xbc h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x38b y210e w10c h11d\"><div class=\"t m0 xcd h29 y139d ff3 fs8 fc0 sc0 ls6a ws10c\">Gross </div></td><td class=\"c x38c y210e w10c h11d\"><div class=\"t m0 x11 h29 y139d ff3 fs8 fc0 sc0 ls1 ws1\">Impairment </div></td><td class=\"c x381 y210e w10c h11d\"><div class=\"t m0 x35 h29 y139d ff3 fs8 fc0 sc0 ls70 ws10a\">Carrying </div></td><td class=\"c x38d y210e wf3 h11d\"><div class=\"t m0 x84 h29 y139d ff3 fs8 fc0 sc0 ls27 ws97\">Exten<span class=\"_ _1\"></span>dible valu<span class=\"_ _1\"></span>e <span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x38b y210e w10c h11d\"><div class=\"t m0 xcb h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">exposure<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x38c y210e w10c h11d\"><div class=\"t m0 x90 h35 y94f ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x381 y210e w10c h11d\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x38d y210e wf3 h11d\"><div class=\"t m0 x10 h29 y94f ff3 fs8 fc0 sc0 ls27 ws97\">of colla<span class=\"_ _1\"></span>tera<span class=\"_ _1\"></span>l held<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y210f w10a hc3\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls27 ws98\">Cre<span class=\"_ _1\"></span>dit<span class=\"ls1 ws1\">-<span class=\"ws9b\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td class=\"c x38b y210f w10c hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x38c y210f w10c hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x381 y210f w10c hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x38d y210f wf3 hc3\"><div class=\"t m0 x37 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y2110 w10a hc3\"><div class=\"t m0 x10 h35 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x38e y2112 w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2113 w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y2114 w10c h97\"><div class=\"t m0 xcd h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">5,088<span class=\"ffa\"> </span></div></td><td class=\"c x38c y2114 w10c h97\"><div class=\"t m0 x6b h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">597<span class=\"ffa\"> </span></div></td><td class=\"c x381 y2114 w10c h97\"><div class=\"t m0 xcd h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">4,491<span class=\"ffa\"> </span></div></td><td class=\"c x38d y2114 wf3 h97\"><div class=\"t m0 x27 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">15,398 </div></td></tr><tr><td class=\"c x270 y2116 w222 h1d6\"><div class=\"t m0 x390 hb3 y2115 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h35 y1dd2 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2117 w223 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x391 y2118 w224 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">33,892<span class=\"_ _bc\"> </span></div></td><td class=\"c x392 y2118 w225 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">5,094<span class=\"_ _bc\"> </span></div></td><td class=\"c x393 y2118 w224 h1ac\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">28,798<span class=\"_ _bc\"> </span></div></td><td class=\"c x394 y2119 w226 h1ac\"><div class=\"t m0 x26e h29 y2016 ff3 fs8 fc0 sc0 ls1 ws1\">154,297<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x38e y211a w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y211b w223 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y211c w10c h97\"><div class=\"t m0 xcd h35 y8d0 ff3 fs8 fc0 sc0 ls4 ws0\">1,4<span class=\"ls1 ws1\">98</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x38c y211c w10c h97\"><div class=\"t m0 x8f h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">85<span class=\"ffa\"> </span></div></td><td class=\"c x381 y211c w10c h97\"><div class=\"t m0 xcd h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">1,413<span class=\"ffa\"> </span></div></td><td class=\"c x38d y211c wf3 h97\"><div class=\"t m0 x37 h29 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">3,466 </div></td></tr><tr><td class=\"c x38e y211d w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y211e w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y211f w10c h97\"><div class=\"t m0 xce h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffa\"> </span></div></td><td class=\"c x38c y211f w10c h97\"><div class=\"t m0 xf7 h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x381 y211f w10c h97\"><div class=\"t m0 xce h35 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"ffa\"> </span></div></td><td class=\"c x38d y211f wf3 h97\"><div class=\"t m0 x108 h29 y8d0 ff3 fs8 fc0 sc0 ls1 ws1\">6 </div></td></tr><tr><td class=\"c x2b9 y2120 w10a hc3\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls27 ws97\">Total cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-<span class=\"ws9b\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ws9b\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td></td><td class=\"c x38b y2120 w10c hc3\"><div class=\"t m0 x4f h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">40,479<span class=\"ffa\"> </span></div></td><td class=\"c x38c y2120 w10c hc3\"><div class=\"t m0 xcd h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,776<span class=\"ffa\"> </span></div></td><td class=\"c x381 y2120 w10c hc3\"><div class=\"t m0 x4f h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">34,703<span class=\"ffa\"> </span></div></td><td class=\"c x38d y2120 wf3 hc3\"><div class=\"t m0 xcd h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">173,167 </div></td></tr></table><table class=\"s w227 h1d7\" id=\"_7de72f14-dffc-4d6c-afd0-48673d683b7d\"><tr><td></td><td></td><td></td><td></td><td class=\"c x38b y2121 w10b hc3\"><div class=\"t m0 xbc h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 2024<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x38b y2122 w10c h11d\"><div class=\"t m0 xcd h25 y139d ff1 fs8 fc0 sc0 ls4 ws0\">Gross </div></td><td class=\"c x38c y2122 w10c h11d\"><div class=\"t m0 xf3 h25 y139d ff1 fs8 fc0 sc0 ls6a ws10c\">Impairment </div></td><td class=\"c x381 y2122 w10c h11d\"><div class=\"t m0 xe5 h25 y139d ff1 fs8 fc0 sc0 ls2a ws10d\">Carrying </div></td><td class=\"c x38d y2122 wf3 h11d\"><div class=\"t m0 x88 h25 y139d ff1 fs8 fc0 sc0 ls29 ws98\">Extendi<span class=\"_ _1\"></span>ble value <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x38b y2122 w10c h11d\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">exposure<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x38c y2122 w10c h11d\"><div class=\"t m0 xd4 h25 y94f ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x381 y2122 w10c h11d\"><div class=\"t m0 xd7 h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">amount<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x38d y2122 wf3 h11d\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">of co<span class=\"_ _1\"></span>llateral held<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y2123 w10a hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">Credit<span class=\"ls1 ws1\">-</span><span class=\"ws98\">im<span class=\"_ _1\"></span>paired a<span class=\"_ _1\"></span>ssets</span><span class=\"ws98\"><span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td></td><td class=\"c x38b y2123 w10c hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x38c y2123 w10c hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x381 y2123 w10c hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x38d y2123 wf3 hc3\"><div class=\"t m0 x37 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y2124 w10a hc3\"><div class=\"t m0 x10 h35 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x38e y2125 w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2126 w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y2127 w10c h97\"><div class=\"t m0 xcd h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">5,721<span class=\"ffb\"> </span></div></td><td class=\"c x38c y2127 w10c h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">819<span class=\"ffb\"> </span></div></td><td class=\"c x381 y2127 w10c h97\"><div class=\"t m0 xcd h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">4,902<span class=\"ffb\"> </span></div></td><td class=\"c x38d y2127 wf3 h97\"><div class=\"t m0 x27 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">15,997 </div></td></tr><tr><td class=\"c x270 y2128 w222 h1d6\"><div class=\"t m0 x390 hb3 y2115 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h35 y1dd2 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2129 w223 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x391 y212a w228 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">37,988<span class=\"_ _bc\"> </span></div></td><td class=\"c x392 y212a w214 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">5,497<span class=\"_ _bc\"> </span></div></td><td class=\"c x393 y212a w228 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">32,491<span class=\"_ _bc\"> </span></div></td><td class=\"c x394 y212a w229 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">165,445<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x38e y212c w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y212d w223 h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x38b y212e w10c h94\"><div class=\"t m0 xcd h25 y8d0 ff1 fs8 fc0 sc0 ls1 ws1\">1,467<span class=\"ffb\"> </span></div></td><td class=\"c x38c y212e w10c h94\"><div class=\"t m0 x6b h25 y8d0 ff1 fs8 fc0 sc0 ls1 ws1\">178<span class=\"ffb\"> </span></div></td><td class=\"c x381 y212e w10c h94\"><div class=\"t m0 xcd h25 y8d0 ff1 fs8 fc0 sc0 ls1 ws1\">1,289<span class=\"ffb\"> </span></div></td><td class=\"c x38d y212e wf3 h94\"><div class=\"t m0 x37 h25 y8d0 ff1 fs8 fc0 sc0 ls1 ws1\">3,029 </div></td></tr><tr><td class=\"c x2b9 y212f w10a hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Total c<span class=\"_ _1\"></span>redit<span class=\"ls1 ws1\">-<span class=\"ls6a\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td></td><td class=\"c x38b y212f w10c hc3\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">45,176<span class=\"ffb\"> </span></div></td><td class=\"c x38c y212f w10c hc3\"><div class=\"t m0 xcd h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">6,494<span class=\"ffb\"> </span></div></td><td class=\"c x381 y212f w10c hc3\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">38,682<span class=\"ffb\"> </span></div></td><td class=\"c x38d y212f wf3 hc3\"><div class=\"t m0 xcd h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">183,471 </div></td></tr></table>Financial a<span class=\"_ _1\"></span>ssets th<span class=\"_ _1\"></span>at are credit<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">impair<span class=\"_ _0\"></span>ed, but w<span class=\"_ _0\"></span>ith no coll<span class=\"_ _0\"></span>ateral<span class=\"_ _0\"></span> held in t<span class=\"_ _0\"></span>his respe<span class=\"_ _0\"></span>ct, are<span class=\"_ _0\"></span> shown be<span class=\"_ _0\"></span>low:<span class=\"ls1 ws1\"> </span></span></span><table class=\"s w22a h1da\" id=\"_6a2c44c2-fa7a-4ad8-8ffb-37159a788977\"><tr><td></td><td></td><td></td><td class=\"c x395 y2130 w10e hc3\"><div class=\"t m0 x53 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x395 y2131 w10f h11e\"><div class=\"t m0 xcd h29 y139d ff3 fs8 fc0 sc0 ls6a ws10c\">Gross </div></td><td class=\"c x396 y2131 w10c h11e\"><div class=\"t m0 x11 h29 y139d ff3 fs8 fc0 sc0 ls1 ws1\">Impairment </div></td><td class=\"c x397 y2131 w110 h11e\"><div class=\"t m0 x113 h29 y139d ff3 fs8 fc0 sc0 ls70 ws10a\">Carrying </div></td></tr><tr><td></td><td></td><td class=\"c x395 y2131 w10f h11e\"><div class=\"t m0 xcb h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">exposure<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x396 y2131 w10c h11e\"><div class=\"t m0 x90 h35 y94f ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x397 y2131 w110 h11e\"><div class=\"t m0 x1d h29 y94f ff3 fs8 fc0 sc0 ls28 ws99\">amount<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x395 y2132 w10f hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x396 y2132 w10c hc3\"><div class=\"t m0 x10b h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x397 y2132 w110 hc3\"><div class=\"t m0 x4f h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y2133 w10d hc3\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls27 ws98\">Cre<span class=\"_ _1\"></span>dit<span class=\"ls1 ws1\">-<span class=\"ws9b\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y2134 w10d hc3\"><div class=\"t m0 x10 h98 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x38e y2135 w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2136 w221 h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2137 w10f h97\"><div class=\"t m0 x6b h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">563<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2137 w10c h97\"><div class=\"t m0 x8f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">43<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2137 w110 h97\"><div class=\"t m0 x125 h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">520 </div></td></tr><tr><td class=\"c x270 y213a w222 h1db\"><div class=\"t m0 x390 hb3 y2138 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h98 y2139 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y213b w22b h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">Credit cards<span class=\"_ _bc\"> </span></div></td><td class=\"c x398 y213c w22c h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">4<span class=\"_ _bc\"> </span></div></td><td class=\"c x399 y213c w22c h1c6\"><div class=\"t m0 x26e h35 y1d7d ff3 fs8 fc0 sc0 ls1 ws1\">1<span class=\"_ _bc\"> </span></div></td><td class=\"c x39a y213d w22c h1d9\"><div class=\"t m0 x26e h29 y2016 ff3 fs8 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x38e y213e w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y213f w221 h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2140 w10f h95\"><div class=\"t m0 x6b h35 y8e7 ff3 fs8 fc0 sc0 ls1 ws1\">101<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2140 w10c h95\"><div class=\"t m0 x8f h35 y8e7 ff3 fs8 fc0 sc0 ls1 ws1\">80<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2140 w110 h95\"><div class=\"t m0 x6b h29 y8e7 ff3 fs8 fc0 sc0 ls1 ws1\">21 </div></td></tr><tr><td class=\"c x38e y2141 w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2142 w223 h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2143 w10f h94\"><div class=\"t m0 xcd h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">4,756<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2143 w10c h94\"><div class=\"t m0 xce h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2143 w110 h94\"><div class=\"t m0 x4f h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">4,751 </div></td></tr><tr><td class=\"c x38e y2144 w220 h1d8\"><div class=\"t m0 x26e hb3 y212b ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2145 w22b h1d9\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">Credit cards<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2146 w10f h97\"><div class=\"t m0 x8f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">19<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2146 w10c h97\"><div class=\"t m0 x8f h35 y338 ff3 fs8 fc0 sc0 ls1 ws1\">19<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2146 w110 h97\"><div class=\"t m0 xea h29 y338 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y2147 w10d hc3\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls27 ws97\">Total cr<span class=\"_ _1\"></span>edit<span class=\"ls1 ws1\">-<span class=\"ws9b\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ws9b\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td></td><td class=\"c x395 y2147 w10f hc3\"><div class=\"t m0 xcd h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,443<span class=\"ffa\"> </span></div></td><td class=\"c x396 y2147 w10c hc3\"><div class=\"t m0 x6b h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">148<span class=\"ffa\"> </span></div></td><td class=\"c x397 y2147 w110 hc3\"><div class=\"t m0 x4f h29 y94f ff3 fs8 fc0 sc0 ls1 ws1\">5,295 </div></td></tr></table><table class=\"s w22a h1dc\" id=\"_c5d36777-e1d6-4308-a624-d985bf109341\"><tr><td></td><td></td><td></td><td class=\"c x395 y2148 w10e hc3\"><div class=\"t m0 x152 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 2024<span class=\"ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x395 y2149 w10f h11d\"><div class=\"t m0 xcd h25 y139d ff1 fs8 fc0 sc0 ls4 ws0\">Gross </div></td><td class=\"c x396 y2149 w10c h11d\"><div class=\"t m0 xf3 h25 y139d ff1 fs8 fc0 sc0 ls6a ws10c\">Impairment </div></td><td class=\"c x397 y2149 w110 h11d\"><div class=\"t m0 xcb h25 y139d ff1 fs8 fc0 sc0 ls2a ws10d\">Carrying </div></td></tr><tr><td></td><td></td><td class=\"c x395 y2149 w10f h11d\"><div class=\"t m0 x1d h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">exposure<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x396 y2149 w10c h11d\"><div class=\"t m0 xd4 h25 y94f ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x397 y2149 w110 h11d\"><div class=\"t m0 x22 h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">amount<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x395 y214a w10f hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x396 y214a w10c hc3\"><div class=\"t m0 x10b h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x397 y214a w110 hc3\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2b9 y214b w10d hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws9a\">Credit<span class=\"ls1 ws1\">-</span><span class=\"ws98\">im<span class=\"_ _1\"></span>paired a<span class=\"_ _1\"></span>ssets</span><span class=\"ws98\"><span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2b9 y214c w10d hc3\"><div class=\"t m0 x10 h98 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x38e y214d w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y214e w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y214f w10f h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">428<span class=\"ffb\"> </span></div></td><td class=\"c x396 y214f w10c h97\"><div class=\"t m0 x8f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">46<span class=\"ffb\"> </span></div></td><td class=\"c x397 y214f w110 h97\"><div class=\"t m0 x125 h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">382 </div></td></tr><tr><td class=\"c x270 y2151 w222 h1dd\"><div class=\"t m0 x390 hb3 y2150 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h98 y2139 ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2152 w22b h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">Credit cards<span class=\"_ _bc\"> </span></div></td><td class=\"c x398 y2153 w22c h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td><td class=\"c x39b y2153 w206 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x39a y2153 w22c h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x38e y2154 w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2155 w221 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws10d\">Overdrafts<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2156 w10f h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">110<span class=\"ffb\"> </span></div></td><td class=\"c x396 y2156 w10c h97\"><div class=\"t m0 x8f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">86<span class=\"ffb\"> </span></div></td><td class=\"c x397 y2156 w110 h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">24 </div></td></tr><tr><td class=\"c x38e y2157 w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y2158 w223 h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls6a ws1\">Term loans<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y2159 w10f h97\"><div class=\"t m0 xcd h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">4,957<span class=\"ffb\"> </span></div></td><td class=\"c x396 y2159 w10c h97\"><div class=\"t m0 x6b h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">355<span class=\"ffb\"> </span></div></td><td class=\"c x397 y2159 w110 h97\"><div class=\"t m0 x4f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">4,602 </div></td></tr><tr><td class=\"c x38e y215a w220 h1d5\"><div class=\"t m0 x26e hb3 y2111 ff11 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x38f y215b w22b h1ac\"><div class=\"t m0 x26e hb3 y1e60 ff1 fs8 fc0 sc0 ls2a ws99\">Credit cards<span class=\"_ _bc\"> </span></div></td><td class=\"c x395 y215c w10f h94\"><div class=\"t m0 x8f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">13<span class=\"ffb\"> </span></div></td><td class=\"c x396 y215c w10c h94\"><div class=\"t m0 x8f h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">13<span class=\"ffb\"> </span></div></td><td class=\"c x397 y215c w110 h94\"><div class=\"t m0 xea h25 y338 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2b9 y215d w10d hc3\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Total c<span class=\"_ _1\"></span>redit<span class=\"ls1 ws1\">-<span class=\"ls6a\">impaired assets</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td></td><td class=\"c x395 y215d w10f hc3\"><div class=\"t m0 xcd h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,511<span class=\"ffb\"> </span></div></td><td class=\"c x396 y215d w10c hc3\"><div class=\"t m0 x6b h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">500<span class=\"ffb\"> </span></div></td><td class=\"c x397 y215d w110 hc3\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">5,011 </div></td></tr></table>It is the<span class=\"_ _0\"></span> Bank'<span class=\"_ _0\"></span>s poli<span class=\"_ _0\"></span>cy to di<span class=\"_ _11\"></span>spose of proper<span class=\"_ _0\"></span>ties ac<span class=\"_ _0\"></span>quired<span class=\"_ _0\"></span> thro<span class=\"_ _0\"></span>ugh judici<span class=\"_ _0\"></span>al actio<span class=\"_ _0\"></span>n in<span class=\"_ _0\"></span> an or<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>ly fashion. T<span class=\"_ _0\"></span>he procee<span class=\"_ _0\"></span>ds are use<span class=\"_ _0\"></span>d to reduc<span class=\"_ _0\"></span>e or re<span class=\"_ _0\"></span>pay the outsta<span class=\"_ _0\"></span>nding <span class=\"_ _0\"></span>clai<span class=\"_ _0\"></span>m. In g<span class=\"_ _0\"></span>enera<span class=\"_ _0\"></span>l, the B<span class=\"_ _0\"></span>ank does not occup<span class=\"_ _0\"></span>y properti<span class=\"_ _0\"></span>es acquir<span class=\"_ _0\"></span>ed throug<span class=\"_ _0\"></span>h judic<span class=\"_ _0\"></span>ial act<span class=\"_ _0\"></span>ion for bu<span class=\"lse ws12e\">si<span class=\"_ _0\"></span>ness use<span class=\"_ _11\"></span>.<span class=\"ls1 ws1\"> </span></span><table class=\"s w22d h1de\" id=\"_7160de0e-e46f-4d7c-bdab-edbd6b439589\"><tr><td class=\"t m0 x39d h3 y215e ff1 fs1 fc0 sc0 ls7 ws1\">The foll<span class=\"_ _0\"></span>owing tables show the distribution of LT<span class=\"_ _0\"></span>V ratios for t<span class=\"_ _0\"></span>he Bank\u2019s loans and ad<span class=\"_ _0\"></span>vances to custome<span class=\"_ _0\"></span>rs.<span class=\"ls1\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y215f w111 h122\"><div class=\"t m0 x10 h35 y94f ff5 fs8 fc0 sc0 ls6b ws13c\">Corporat<span class=\"_ _0\"></span>e and comm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x39f y2160 wa5 h123\"><div class=\"t m0 x6d h29 y1089 ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">forborne</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"><span class=\"_ _1\"></span> </span></span></div></td><td class=\"c x3a0 y2160 w112 h123\"><div class=\"t m0 xe2 h29 y1089 ff3 fs8 fc0 sc0 ls4 ws0\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"c x3a1 y2160 w54 h123\"><div class=\"t m0 x6d h25 y1089 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-</span>fo<span class=\"_ _1\"></span>rborne </div></td><td class=\"c x3a2 y2160 wd5 h123\"><div class=\"t m0 xf3 h25 y1089 ff1 fs8 fc0 sc0 ls29 ws9a\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x39f y2160 wa5 h123\"><div class=\"t m0 xdf h35 y9db ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a0 y2160 w112 h123\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a3 y2160 w113 h123\"><div class=\"t m0 x34 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2160 w54 h123\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a2 y2160 wd5 h123\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a4 y2160 w114 h123\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x39f y2161 wa5 hf0\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2161 w112 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2161 w113 hf0\"><div class=\"t m0 xdb h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2161 w54 hf0\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2161 wd5 hf0\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2161 w114 hf0\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x39f y2162 wa5 hef\"><div class=\"t m0 xb5 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a0 y2162 w112 hef\"><div class=\"t m0 x113 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a3 y2162 w113 hef\"><div class=\"t m0 xf3 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a1 y2162 w54 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a2 y2162 wd5 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a4 y2162 w114 hef\"><div class=\"t m0 xf3 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x39e y2163 w111 hab\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2164 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x39f y2164 wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">37,552<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2164 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2164 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">37,552<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2164 w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">57,785<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2164 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2164 w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">57,785 </div></td></tr><tr><td class=\"c x39e y2165 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2166 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2166 wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">300,867<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2166 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2166 w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">300,867<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2166 w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">265,156<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2166 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2166 w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">265,156 </div></td></tr><tr><td class=\"c x39e y2167 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2167 wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">51,802<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2167 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2167 w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">51,802<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2167 w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">79,859<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2167 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2167 w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">79,859 </div></td></tr><tr><td class=\"c x39e y2168 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2168 wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">11,138<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2168 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2168 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">11,138<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2168 w54 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">6,925<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2168 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2168 w114 hdd\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">6,925 </div></td></tr><tr><td class=\"c x39e y2169 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2169 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,926<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2169 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2169 w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,926<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2169 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">9,561<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2169 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2169 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">9,561 </div></td></tr><tr><td></td><td class=\"c x39f y216a wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">373,733<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y216a w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y216a w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">373,733<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y216a w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">361,501<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y216a wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y216a w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">361,501 </div></td></tr><tr><td class=\"c x39e y216b w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y216c w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y216c wa5 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">9,278<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y216c w112 hdb\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y216c w113 hdb\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">9,278<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y216c w54 hdb\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">2,924<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y216c wd5 hdb\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y216c w114 hdb\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">2,924 </div></td></tr><tr><td class=\"c x39e y216d w111 hdd\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Total performing <span class=\"ws1\">\u2013 </span>Stage 1<span class=\"ffa ws1\"> </span></div></td><td class=\"c x39f y216d wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">420,563<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y216d w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y216d w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">420,563<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y216d w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">422,210<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y216d wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y216d w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">422,210 </div></td></tr><tr><td class=\"c x39e y216e w111 hdd\"><div class=\"t m0 x10 h35 y9db ffd fs8 fc0 sc0 ls28 ws99\">Underper<span class=\"_ _1\"></span>forming <span class=\"ff3 ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ff3 ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y216f w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x39f y216f wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">11,482<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y216f w112 hab\"><div class=\"t m0 x4f h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y216f w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">11,494<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y216f w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">2,531<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y216f wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y216f w114 hab\"><div class=\"t m0 x11 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">2,531 </div></td></tr><tr><td class=\"c x39e y2170 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2171 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2171 wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">97,490<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2171 w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,084<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2171 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">100,574<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2171 w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">81,210<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2171 wd5 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,965<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2171 w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">86,175 </div></td></tr><tr><td class=\"c x39e y2172 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2172 wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">19,226<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2172 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2172 w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">19,226<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2172 w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">12,065<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2172 wd5 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">6,876<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2172 w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">18,941 </div></td></tr><tr><td class=\"c x39e y2173 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2173 wa5 hdd\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">2,395<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2173 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2173 w113 hdd\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">2,395<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2173 w54 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">4,968<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2173 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2173 w114 hdd\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">4,968 </div></td></tr><tr><td class=\"c x39e y2174 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2174 wa5 hab\"><div class=\"t m0 x37 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2174 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2174 w113 hab\"><div class=\"t m0 xd6 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2174 w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">417<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2174 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2174 w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">417 </div></td></tr><tr><td></td><td class=\"c x39f y2175 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">119,111<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2175 w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,084<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2175 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">122,195<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2175 w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">98,660<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2175 wd5 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">11,841<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2175 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">110,501 </div></td></tr><tr><td class=\"c x39e y2176 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2177 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2177 wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,847<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2177 w112 hbc\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">13,200<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2177 w113 hbc\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">15,047<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2177 w54 hbc\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">15,089<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2177 wd5 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">306<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2177 w114 hbc\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">15,395 </div></td></tr><tr><td class=\"c x39e y2178 w111 hab\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Total underpe<span class=\"_ _1\"></span>rforming<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x39f y2178 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">132,440<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2178 w112 hab\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">16,296<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2178 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">148,736<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2178 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">116,280<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2178 wd5 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">12,147<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2178 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">128,427 </div></td></tr><tr><td class=\"c x39e y2179 w111 hbc\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">perfor<span class=\"_ _1\"></span>ming </span>\u2013 <span class=\"ws9b\">Stage 3</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y217a w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x39f y217a wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">563<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217a w112 hab\"><div class=\"t m0 x10b h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217a w113 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">566<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217a w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">427<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217a wd5 hab\"><div class=\"t m0 x46 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217a w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">431 </div></td></tr><tr><td class=\"c x39e y217b w111 hbc\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y217c w111 hf1\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y217c wa5 hf1\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">843<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217c w112 hf1\"><div class=\"t m0 xdb h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">28,173<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217c w113 hf1\"><div class=\"t m0 x7e h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">29,016<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217c w54 hf1\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">1,161<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217c wd5 hf1\"><div class=\"t m0 x35 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">27,450<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217c w114 hf1\"><div class=\"t m0 x7e h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">28,611 </div></td></tr><tr><td class=\"c x39e y217d w111 hbc\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y217d wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,023<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217d w112 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">4,703<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217d w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">5,726<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217d w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,151<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217d wd5 hbc\"><div class=\"t m0 xd6 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">5,769<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217d w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">9,920 </div></td></tr><tr><td class=\"c x39e y217e w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y217e wa5 hab\"><div class=\"t m0 x125 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">10<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217e w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217e w113 hab\"><div class=\"t m0 x35 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">10<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217e w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">956<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217e wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217e w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">956 </div></td></tr><tr><td class=\"c x39e y217f w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y217f wa5 hdd\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y217f w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y217f w113 hdd\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y217f w54 hdd\"><div class=\"t m0 x125 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">31<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y217f wd5 hdd\"><div class=\"t m0 x10b h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">233<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y217f w114 hdd\"><div class=\"t m0 x33 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">264 </div></td></tr><tr><td></td><td class=\"c x39f y2180 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">2,911<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2180 w112 hab\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">32,876<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2180 w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">35,787<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2180 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">6,299<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2180 wd5 hab\"><div class=\"t m0 x35 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">33,452<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2180 w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">39,751 </div></td></tr><tr><td class=\"c x39e y2181 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x39e y2182 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x39f y2182 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,194<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2182 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2182 w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,194<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2182 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">3,958<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2182 wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2182 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">3,958 </div></td></tr><tr><td class=\"c x39e y2183 w111 hdd\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Total non<span class=\"ws1\">-<span class=\"ls28 ws99\">performing </span>\u2013 </span>Stage 3<span class=\"ffa ws1\"> </span></div></td><td class=\"c x39f y2183 wa5 hdd\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">6,668<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2183 w112 hdd\"><div class=\"t m0 xdb h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">32,879<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2183 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">39,547<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2183 w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">10,684<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2183 wd5 hdd\"><div class=\"t m0 x35 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">33,456<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2183 w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">44,140 </div></td></tr><tr><td class=\"c x39e y2184 w111 hbc\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">At 31 December<span class=\"ffa ws1\"> </span></div></td><td class=\"c x39f y2184 wa5 hbc\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">559,671<span class=\"ffa\"> </span></div></td><td class=\"c x3a0 y2184 w112 hbc\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">49,175<span class=\"ffa\"> </span></div></td><td class=\"c x3a3 y2184 w113 hbc\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">608,846<span class=\"ffa\"> </span></div></td><td class=\"c x3a1 y2184 w54 hbc\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">549,174<span class=\"ffb\"> </span></div></td><td class=\"c x3a2 y2184 wd5 hbc\"><div class=\"t m0 x35 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">45,603<span class=\"ffb\"> </span></div></td><td class=\"c x3a4 y2184 w114 hbc\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">594,777 </div></td></tr></table><table class=\"s w22e h1df\" id=\"_e4baaab7-bafe-4bda-9579-3efabef28c31\"><tr><td class=\"c x308 y2185 w111 h123\"><div class=\"t m0 x10 h35 y9db ff5 fs8 fc0 sc0 ls6f ws109\">Personal<span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x3a5 y2186 wa5 h122\"><div class=\"t m0 x6d h29 y1089 ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">forborne</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"><span class=\"_ _1\"></span> </span></span></div></td><td class=\"c x3a6 y2186 w112 h122\"><div class=\"t m0 xe2 h29 y1089 ff3 fs8 fc0 sc0 ls4 ws0\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"c x3a7 y2186 w54 h122\"><div class=\"t m0 x6d h25 y1089 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-</span>fo<span class=\"_ _1\"></span>rborne </div></td><td class=\"c x3a8 y2186 wd5 h122\"><div class=\"t m0 xf3 h25 y1089 ff1 fs8 fc0 sc0 ls29 ws9a\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x3a5 y2186 wa5 h122\"><div class=\"t m0 xdf h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a6 y2186 w112 h122\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a9 y2186 w113 h122\"><div class=\"t m0 x34 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2186 w54 h122\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a8 y2186 wd5 h122\"><div class=\"t m0 xdf h25 y94f ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3aa y2186 w114 h122\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3a5 y2187 wa5 hf1\"><div class=\"t m0 xd6 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2187 w112 hf1\"><div class=\"t m0 x1d h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2187 w113 hf1\"><div class=\"t m0 xdb h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2187 w54 hf1\"><div class=\"t m0 xd6 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2187 wd5 hf1\"><div class=\"t m0 xd6 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2187 w114 hf1\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x3a5 y2188 wa5 hf2\"><div class=\"t m0 xb5 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a6 y2188 w112 hf2\"><div class=\"t m0 x113 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a9 y2188 w113 hf2\"><div class=\"t m0 xf3 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a7 y2188 w54 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a8 y2188 wd5 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3aa y2188 w114 hf2\"><div class=\"t m0 xf3 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x308 y2189 w111 hdb\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y218a w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y218a wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,272<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218a w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218a w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">9,272<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218a w54 hbc\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">14,408<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218a wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218a w114 hbc\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">14,408 </div></td></tr><tr><td class=\"c x308 y218b w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y218c w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y218c wa5 hbc\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">94,612<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218c w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218c w113 hbc\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">94,612<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218c w54 hbc\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">77,548<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218c wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218c w114 hbc\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">77,548 </div></td></tr><tr><td class=\"c x308 y218d w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y218d wa5 hdb\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">98,787<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218d w112 hdb\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218d w113 hdb\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">98,787<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218d w54 hdb\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">72,340<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218d wd5 hdb\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218d w114 hdb\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">72,340 </div></td></tr><tr><td class=\"c x308 y218e w111 hbc\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y218e wa5 hbc\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">110,110<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218e w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218e w113 hbc\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">110,110<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218e w54 hbc\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">108,026<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218e wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218e w114 hbc\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">108,026 </div></td></tr><tr><td class=\"c x308 y218f w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y218f wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,878<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y218f w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y218f w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,878<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y218f w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">3,281<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y218f wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y218f w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">3,281 </div></td></tr><tr><td></td><td class=\"c x3a5 y2190 wa5 hbc\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">307,387<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2190 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2190 w113 hbc\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">307,387<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2190 w54 hbc\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">261,195<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2190 wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2190 w114 hbc\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">261,195 </div></td></tr><tr><td class=\"c x308 y2191 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y2192 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y2192 wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">813<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2192 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2192 w113 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">813<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2192 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,451<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2192 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2192 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,451 </div></td></tr><tr><td class=\"c x308 y2193 w111 hab\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Total performing <span class=\"ws1\">\u2013 </span>Stage 1<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y2193 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">317,472<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2193 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2193 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">317,472<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2193 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">277,054<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2193 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2193 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">277,054 </div></td></tr><tr><td class=\"c x308 y2194 w111 hab\"><div class=\"t m0 x10 h35 y9db ffd fs8 fc0 sc0 ls28 ws99\">Underper<span class=\"_ _1\"></span>forming <span class=\"ff3 ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ff3 ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y2195 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y2195 wa5 hbc\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">210<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2195 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2195 w113 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">210<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2195 w54 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">122<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2195 wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2195 w114 hbc\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">122 </div></td></tr><tr><td class=\"c x308 y2196 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y2197 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y2197 wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">2,571<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2197 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2197 w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">2,571<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2197 w54 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">641<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2197 wd5 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">988<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2197 w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,629 </div></td></tr><tr><td class=\"c x308 y2198 w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y2198 wa5 hdb\"><div class=\"t m0 x49 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">123<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2198 w112 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2198 w113 hdb\"><div class=\"t m0 x33 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">270<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2198 w54 hdb\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2198 wd5 hdb\"><div class=\"t m0 x49 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">270<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2198 w114 hdb\"><div class=\"t m0 x33 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">270 </div></td></tr><tr><td class=\"c x308 y2199 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y2199 wa5 hbc\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">732<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y2199 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y2199 w113 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">732<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y2199 w54 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">711<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y2199 wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y2199 w114 hbc\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">711 </div></td></tr><tr><td></td><td class=\"c x3a5 y219a wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,426<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y219a w112 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y219a w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,573<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y219a w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,352<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y219a wd5 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,258<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y219a w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">2,610 </div></td></tr><tr><td class=\"c x308 y219b w111 hbc\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Total underpe<span class=\"_ _1\"></span>rforming<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3a5 y219b wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,636<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y219b w112 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y219b w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,783<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y219b w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,474<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y219b wd5 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,258<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y219b w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">2,732 </div></td></tr><tr><td class=\"c x308 y219c w111 hab\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">perfor<span class=\"_ _1\"></span>ming </span>\u2013 <span class=\"ws9b\">Stage 3</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y219d w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y219d wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">105<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y219d w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">4,772<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y219d w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">4,877<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y219d w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">181<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y219d wd5 hab\"><div class=\"t m0 xd6 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,899<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y219d w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">5,080 </div></td></tr><tr><td class=\"c x308 y219e w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y219f w111 hef\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y219f wa5 hef\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">258<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y219f w112 hef\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">458<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y219f w113 hef\"><div class=\"t m0 x33 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">716<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y219f w54 hef\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">486<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y219f wd5 hef\"><div class=\"t m0 x10b h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">188<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y219f w114 hef\"><div class=\"t m0 x33 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">674 </div></td></tr><tr><td class=\"c x308 y21a0 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21a0 wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">569<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a0 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a0 w113 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">569<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a0 w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">185<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a0 wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a0 w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">185 </div></td></tr><tr><td class=\"c x308 y21a1 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21a1 wa5 hab\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">213<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a1 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a1 w113 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">213<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a1 w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">347<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a1 wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a1 w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">347 </div></td></tr><tr><td></td><td class=\"c x3a5 y21a2 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,040<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a2 w112 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">458<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a2 w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,498<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a2 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,018<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a2 wd5 hab\"><div class=\"t m0 x10b h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">188<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a2 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,206 </div></td></tr><tr><td class=\"c x308 y21a3 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21a4 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21a4 wa5 hab\"><div class=\"t m0 x37 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a4 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a4 w113 hab\"><div class=\"t m0 xd6 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a4 w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">261<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a4 wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a4 w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">261 </div></td></tr><tr><td class=\"c x308 y21a5 w111 hab\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">Total non<span class=\"ws1\">-<span class=\"ls28 ws99\">performing </span>\u2013 </span>Stage 3<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21a5 wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,145<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a5 w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">5,230<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a5 w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">6,375<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a5 w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,460<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a5 wd5 hab\"><div class=\"t m0 xd6 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">5,087<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a5 w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">6,547 </div></td></tr><tr><td class=\"c x308 y21a6 w111 hdd\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">At 31 December<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21a6 wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">322,253<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a6 w112 hdd\"><div class=\"t m0 x33 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">5,377<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a6 w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">327,630<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a6 w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">279,988<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a6 wd5 hdd\"><div class=\"t m0 xd6 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">6,345<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a6 w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">286,333 </div></td></tr></table><table class=\"s w22e h1e0\" id=\"_b89618be-3f10-434c-b023-d246062c30a1\"><tr><td class=\"c x308 y21a7 w111 h128\"><div class=\"t m0 x10 h98 y94f ff5 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x3a5 y21a8 wa5 h123\"><div class=\"t m0 x6d h29 y1439 ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">forborne</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws0\"><span class=\"_ _1\"></span> </span></span></div></td><td class=\"c x3a6 y21a8 w112 h123\"><div class=\"t m0 xe2 h29 y1439 ff3 fs8 fc0 sc0 ls4 ws0\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"c x3a7 y21a8 w54 h123\"><div class=\"t m0 x6d h25 y1439 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-</span>fo<span class=\"_ _1\"></span>rborne </div></td><td class=\"c x3a8 y21a8 wd5 h123\"><div class=\"t m0 xf3 h25 y1439 ff1 fs8 fc0 sc0 ls29 ws9a\">Forborne<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x3a5 y21a8 wa5 h123\"><div class=\"t m0 xdf h35 y9db ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a6 y21a8 w112 h123\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws99\">exposures<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3a9 y21a8 w113 h123\"><div class=\"t m0 x34 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a8 w54 h123\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a8 y21a8 wd5 h123\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls4 ws0\">exposures<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3aa y21a8 w114 h123\"><div class=\"t m0 xdb h25 y9db ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3a5 y21a9 wa5 hf0\"><div class=\"t m0 xd6 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21a9 w112 hf0\"><div class=\"t m0 x1d h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21a9 w113 hf0\"><div class=\"t m0 xdb h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21a9 w54 hf0\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21a9 wd5 hf0\"><div class=\"t m0 xd6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21a9 w114 hf0\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x3a5 y21aa wa5 hef\"><div class=\"t m0 xb5 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a6 y21aa w112 hef\"><div class=\"t m0 x113 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a9 y21aa w113 hef\"><div class=\"t m0 xf3 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a7 y21aa w54 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a8 y21aa wd5 hef\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3aa y21aa w114 hef\"><div class=\"t m0 xf3 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x308 y21ab w111 hab\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls70 ws10a\">Performi<span class=\"_ _0\"></span>ng <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 1</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21ac w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y21ac wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">46,824<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21ac w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21ac w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">46,824<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21ac w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">72,193<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21ac wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21ac w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">72,193 </div></td></tr><tr><td class=\"c x308 y21ad w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21ae w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21ae wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">395,479<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21ae w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21ae w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">395,479<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21ae w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">342,704<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21ae wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21ae w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">342,704 </div></td></tr><tr><td class=\"c x308 y21af w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21af wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">150,589<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21af w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21af w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">150,589<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21af w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">152,199<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21af wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21af w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">152,199 </div></td></tr><tr><td class=\"c x308 y21b0 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21b0 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">121,248<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b0 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b0 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">121,248<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b0 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">114,951<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b0 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b0 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">114,951 </div></td></tr><tr><td class=\"c x308 y21b1 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21b1 wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">13,804<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b1 w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b1 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">13,804<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b1 w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">12,842<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b1 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b1 w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">12,842 </div></td></tr><tr><td></td><td class=\"c x3a5 y21b2 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">681,120<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b2 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b2 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">681,120<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b2 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">622,696<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b2 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b2 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">622,696 </div></td></tr><tr><td class=\"c x308 y21b3 w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21b4 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21b4 wa5 hbc\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">10,091<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b4 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b4 w113 hbc\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">10,091<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b4 w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,375<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b4 wd5 hbc\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b4 w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,375 </div></td></tr><tr><td class=\"c x308 y21b5 w111 hab\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">Total performing <span class=\"ws1\">\u2013 </span>Stage 1<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21b5 wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b5 w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b5 w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">738,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b5 w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">699,264<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b5 wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b5 w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">699,264 </div></td></tr><tr><td class=\"c x308 y21b6 w111 hab\"><div class=\"t m0 x10 h35 y94f ffd fs8 fc0 sc0 ls28 ws99\">Underper<span class=\"_ _1\"></span>forming <span class=\"ff3 ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ff3 ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21b7 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y21b7 wa5 hdd\"><div class=\"t m0 x1d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">11,692<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b7 w112 hdd\"><div class=\"t m0 x4f h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b7 w113 hdd\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">11,704<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b7 w54 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">2,653<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b7 wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b7 w114 hdd\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">2,653 </div></td></tr><tr><td class=\"c x308 y21b8 w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21b9 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21b9 wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">100,061<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21b9 w112 hdd\"><div class=\"t m0 x33 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">3,084<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21b9 w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">103,145<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21b9 w54 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">81,851<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21b9 wd5 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">5,953<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21b9 w114 hdd\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">87,804 </div></td></tr><tr><td class=\"c x308 y21ba w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21ba wa5 hab\"><div class=\"t m0 x1d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">19,349<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21ba w112 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">147<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21ba w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">19,496<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21ba w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">12,065<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21ba wd5 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">7,146<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21ba w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">19,211 </div></td></tr><tr><td class=\"c x308 y21bb w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21bb wa5 hdd\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">3,127<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21bb w112 hdd\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21bb w113 hdd\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">3,127<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21bb w54 hdd\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">5,679<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21bb wd5 hdd\"><div class=\"t m0 x37 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21bb w114 hdd\"><div class=\"t m0 xe1 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">5,679 </div></td></tr><tr><td class=\"c x308 y21bc w111 hab\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21bc wa5 hab\"><div class=\"t m0 x37 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21bc w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21bc w113 hab\"><div class=\"t m0 xd6 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21bc w54 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">417<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21bc wd5 hab\"><div class=\"t m0 x37 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21bc w114 hab\"><div class=\"t m0 x33 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">417 </div></td></tr><tr><td></td><td class=\"c x3a5 y21bd wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">122,537<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21bd w112 hab\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,231<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21bd w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">125,768<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21bd w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">100,012<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21bd wd5 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">13,099<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21bd w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">113,111 </div></td></tr><tr><td class=\"c x308 y21be w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21bf w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x3a5 y21bf wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">1,847<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21bf w112 hab\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">13,200<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21bf w113 hab\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">15,047<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21bf w54 hab\"><div class=\"t m0 x1d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">15,089<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21bf wd5 hab\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">306<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21bf w114 hab\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">15,395 </div></td></tr><tr><td class=\"c x308 y21c0 w111 hdd\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls28 ws0\">Total underpe<span class=\"_ _1\"></span>rforming<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"ws9b\">Stage 2</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3a5 y21c0 wa5 hdd\"><div class=\"t m0 x90 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">136,076<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c0 w112 hdd\"><div class=\"t m0 xdb h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">16,443<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c0 w113 hdd\"><div class=\"t m0 x7d h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">152,519<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c0 w54 hdd\"><div class=\"t m0 x90 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">117,754<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c0 wd5 hdd\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">13,405<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c0 w114 hdd\"><div class=\"t m0 x7d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">131,159 </div></td></tr><tr><td class=\"c x308 y21c1 w111 hdb\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls28 ws99\">perfor<span class=\"_ _1\"></span>ming </span>\u2013 <span class=\"ws9b\">Stage 3</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21c2 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls28 ws0\">Not colla<span class=\"_ _1\"></span>teralised<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3a5 y21c2 wa5 hbc\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">668<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c2 w112 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">4,775<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c2 w113 hbc\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">5,443<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c2 w54 hbc\"><div class=\"t m0 x49 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">608<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c2 wd5 hbc\"><div class=\"t m0 xd6 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,903<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c2 w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">5,511 </div></td></tr><tr><td class=\"c x308 y21c3 w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Fully collatera<span class=\"_ _1\"></span>lised:<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21c4 w111 hf2\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Less than 50%<span class=\"_ _1\"></span> LTV</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21c4 wa5 hf2\"><div class=\"t m0 x26 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">1,101<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c4 w112 hf2\"><div class=\"t m0 xdb h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">28,631<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c4 w113 hf2\"><div class=\"t m0 x7e h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">29,732<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c4 w54 hf2\"><div class=\"t m0 x26 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">1,647<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c4 wd5 hf2\"><div class=\"t m0 x35 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">27,638<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c4 w114 hf2\"><div class=\"t m0 x7e h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">29,285 </div></td></tr><tr><td class=\"c x308 y21c5 w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   51% to 75% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21c5 wa5 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,592<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c5 w112 hdb\"><div class=\"t m0 x33 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">4,703<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c5 w113 hdb\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">6,295<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c5 w54 hdb\"><div class=\"t m0 x26 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">4,336<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c5 wd5 hdb\"><div class=\"t m0 xd6 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">5,769<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c5 w114 hdb\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">10,105 </div></td></tr><tr><td class=\"c x308 y21c6 w111 hbc\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   76% to 90% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21c6 wa5 hbc\"><div class=\"t m0 x49 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">223<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c6 w112 hbc\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c6 w113 hbc\"><div class=\"t m0 x33 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">223<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c6 w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,303<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c6 wd5 hbc\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c6 w114 hbc\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">1,303 </div></td></tr><tr><td class=\"c x308 y21c7 w111 hdb\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls1 ws9b\">   91% to 100% LTV<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21c7 wa5 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c7 w112 hdb\"><div class=\"t m0 x69 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c7 w113 hdb\"><div class=\"t m0 xf3 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">1,035<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c7 w54 hdb\"><div class=\"t m0 x125 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">31<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c7 wd5 hdb\"><div class=\"t m0 x10b h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">233<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c7 w114 hdb\"><div class=\"t m0 x33 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">264 </div></td></tr><tr><td></td><td class=\"c x3a5 y21c8 wa5 hbc\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,951<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21c8 w112 hbc\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">33,334<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21c8 w113 hbc\"><div class=\"t m0 x7e h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">37,285<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21c8 w54 hbc\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">7,317<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21c8 wd5 hbc\"><div class=\"t m0 x35 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">33,640<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21c8 w114 hbc\"><div class=\"t m0 x7e h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">40,957 </div></td></tr><tr><td class=\"c x308 y21c9 w111 hdd\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Partially c<span class=\"_ _1\"></span>ollateralised<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y21ca w111 hab\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls4 ws9a\">Greater tha<span class=\"_ _1\"></span>n 100% LT<span class=\"_ _1\"></span>V</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3a5 y21ca wa5 hab\"><div class=\"t m0 x26 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,194<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21ca w112 hab\"><div class=\"t m0 x69 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21ca w113 hab\"><div class=\"t m0 xf3 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">3,194<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21ca w54 hab\"><div class=\"t m0 x26 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,219<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21ca wd5 hab\"><div class=\"t m0 x8f h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21ca w114 hab\"><div class=\"t m0 xe1 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">4,219 </div></td></tr><tr><td class=\"c x308 y21cb w111 hdb\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Total non<span class=\"ws1\">-<span class=\"ls28 ws99\">performing </span>\u2013 </span>Stage 3<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21cb wa5 hdb\"><div class=\"t m0 x26 h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">7,813<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21cb w112 hdb\"><div class=\"t m0 xdb h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">38,109<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21cb w113 hdb\"><div class=\"t m0 x7e h35 y9f8 ff3 fs8 fc0 sc0 ls1 ws1\">45,922<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21cb w54 hdb\"><div class=\"t m0 x1d h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">12,144<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21cb wd5 hdb\"><div class=\"t m0 x35 h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">38,543<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21cb w114 hdb\"><div class=\"t m0 x7e h25 y9f8 ff1 fs8 fc0 sc0 ls1 ws1\">50,687 </div></td></tr><tr><td class=\"c x308 y21cc w111 hab\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">At 31 December<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3a5 y21cc wa5 hab\"><div class=\"t m0 x90 h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">881,924<span class=\"ffa\"> </span></div></td><td class=\"c x3a6 y21cc w112 hab\"><div class=\"t m0 xdb h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">54,552<span class=\"ffa\"> </span></div></td><td class=\"c x3a9 y21cc w113 hab\"><div class=\"t m0 x7d h35 yfb6 ff3 fs8 fc0 sc0 ls1 ws1\">936,476<span class=\"ffa\"> </span></div></td><td class=\"c x3a7 y21cc w54 hab\"><div class=\"t m0 x90 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">829,162<span class=\"ffb\"> </span></div></td><td class=\"c x3a8 y21cc wd5 hab\"><div class=\"t m0 x35 h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">51,948<span class=\"ffb\"> </span></div></td><td class=\"c x3aa y21cc w114 hab\"><div class=\"t m0 x7d h25 yfb6 ff1 fs8 fc0 sc0 ls1 ws1\">881,110 </div></td></tr></table><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs558\">2.3.13 <span class=\"ls1 ws1\"> <span class=\"_ _2b\"></span><span class=\"ls5 ws6\">Trade and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> receivab<span class=\"_ _1\"></span>les<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs559\">The Bank\u2019s s<span class=\"_ _1\"></span>ubsidiary<span class=\"_ _1\"></span> assesses the credit q<span class=\"_ _1\"></span>uality of its cu<span class=\"_ _1\"></span>stomers taking in<span class=\"_ _1\"></span>to account<span class=\"_ _1\"></span> financial positio<span class=\"_ _1\"></span>n, past </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs55a\">experien<span class=\"_ _1\"></span>ce<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">and other factor<span class=\"_ _0\"></span>s. It <span class=\"_ _0\"></span>has pol<span class=\"_ _0\"></span>icie<span class=\"_ _0\"></span>s in pla<span class=\"_ _0\"></span>ce to e<span class=\"_ _11\"></span>nsure that sal<span class=\"_ _0\"></span>es of pro<span class=\"_ _0\"></span>ducts<span class=\"_ _0\"></span> and <span class=\"_ _0\"></span>servic<span class=\"_ _0\"></span>es are<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs55b\">effected<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span> with a<span class=\"_ _1\"></span>n approp<span class=\"_ _1\"></span>riate cred<span class=\"_ _1\"></span>it his<span class=\"_ _1\"></span>tory in the ca<span class=\"_ _1\"></span>se of cr<span class=\"_ _1\"></span>edit sa<span class=\"_ _1\"></span>les. The s<span class=\"_ _1\"></span>ubsidi<span class=\"_ _1\"></span>ary mon<span class=\"_ _1\"></span>itors </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs55c\">the per<span class=\"_ _1\"></span>forman<span class=\"_ _1\"></span>ce of thes<span class=\"_ _1\"></span>e fina<span class=\"_ _1\"></span>ncial<span class=\"_ _1\"></span> asset<span class=\"_ _1\"></span>s on a regu<span class=\"_ _1\"></span><span class=\"ls6 ws49\">lar basis to identify expected a<span class=\"_ _1\"></span>nd incurred collectio<span class=\"_ _1\"></span>n </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws3d gs55d\">losses wh<span class=\"_ _1\"></span>ich are inherent in th<span class=\"_ _1\"></span>e subsidiary\u2019s<span class=\"_ _1\"></span> receivables taking in<span class=\"_ _1\"></span>to account histo<span class=\"_ _1\"></span>rical experience in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs55e\">collection of acco<span class=\"_ _1\"></span>unts rece<span class=\"_ _1\"></span>ivable.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs55f\">Standard cr<span class=\"_ _0\"></span>edit te<span class=\"_ _0\"></span>rms are<span class=\"_ _0\"></span> in place f<span class=\"_ _0\"></span>or indivi<span class=\"_ _0\"></span>dual cli<span class=\"_ _0\"></span>ents, howe<span class=\"_ _0\"></span>ver, whe<span class=\"_ _0\"></span>rever possibl<span class=\"_ _0\"></span>e, new<span class=\"_ _0\"></span> corpora<span class=\"_ _0\"></span>te and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws7a gs560\">commer<span class=\"_ _0\"></span>cial custom<span class=\"_ _0\"></span>ers are<span class=\"_ _0\"></span> analysed individua<span class=\"_ _0\"></span>lly for<span class=\"_ _0\"></span> credit<span class=\"_ _0\"></span>worthi<span class=\"_ _0\"></span>ness befo<span class=\"_ _0\"></span>re the subsidiar<span class=\"_ _0\"></span>y\u2019s standard<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs561\">payment and se<span class=\"_ _0\"></span>rvice<span class=\"_ _0\"></span> deli<span class=\"_ _0\"></span>very term<span class=\"_ _0\"></span>s and conditions <span class=\"ls5 ws68\">are offered.<span class=\"_ _1\"></span> The ent<span class=\"_ _1\"></span>ity\u2019<span class=\"_ _1\"></span>s revie<span class=\"_ _1\"></span>w in<span class=\"_ _1\"></span>cludes<span class=\"_ _1\"></span> extern<span class=\"_ _1\"></span>al </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs562\">credit<span class=\"_ _0\"></span>worthi<span class=\"_ _0\"></span>ness databases w<span class=\"_ _0\"></span>hen avail<span class=\"_ _0\"></span>able. T<span class=\"_ _0\"></span>he subsidiar<span class=\"_ _0\"></span>y est<span class=\"_ _0\"></span>ablishes an al<span class=\"_ _0\"></span>lowanc<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t losses that<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs563\">repre<span class=\"_ _0\"></span>sents its e<span class=\"_ _0\"></span>stimate of<span class=\"_ _0\"></span> both incurred a<span class=\"_ _0\"></span>nd expec<span class=\"_ _0\"></span>ted losses in respe<span class=\"_ _0\"></span>ct of trade<span class=\"_ _0\"></span> and other re<span class=\"_ _0\"></span>ceivab<span class=\"ls6 ws52\">les. This </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs564\">allowa<span class=\"_ _0\"></span>nce re<span class=\"_ _0\"></span>presents ex<span class=\"_ _0\"></span>pected cr<span class=\"_ _0\"></span>edit lo<span class=\"_ _0\"></span>sses (\u2018ECL\u2019<span class=\"_ _0\"></span>) against i<span class=\"_ _11\"></span>ndividual exposures. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls18 ws74 gs565\">The <span class=\"_ _14\"></span><span class=\"ls8 ws16\">subsidiary<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws34\">applies<span class=\"_ _1\"></span> the IFRS 9 simplif<span class=\"_ _1\"></span>ied approa<span class=\"_ _1\"></span>ch to measurin<span class=\"_ _1\"></span>g expected credit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span>es which uses<span class=\"_ _1\"></span> a </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs566\">lifeti<span class=\"_ _1\"></span>me expec<span class=\"_ _1\"></span>ted l<span class=\"_ _1\"></span>oss a<span class=\"_ _1\"></span>llowa<span class=\"_ _1\"></span>nce for<span class=\"_ _1\"></span> all t<span class=\"_ _1\"></span>rade r<span class=\"_ _1\"></span>eceivab<span class=\"_ _1\"></span>les. <span class=\"_ _1\"></span>To mea<span class=\"_ _1\"></span>sure t<span class=\"_ _1\"></span>he exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses, t<span class=\"_ _1\"></span>rade </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs567\">rece<span class=\"_ _0\"></span>ivables and c<span class=\"_ _0\"></span>ontract<span class=\"_ _0\"></span> assets have be<span class=\"_ _0\"></span>en groupe<span class=\"_ _0\"></span>d based o<span class=\"_ _0\"></span>n sha<span class=\"ls6 ws52\">red credit risk ch<span class=\"_ _1\"></span>aracteristics<span class=\"_ _1\"></span> and the days </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs568\">past due.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws4d gs569\">The exp<span class=\"_ _1\"></span>ected lo<span class=\"_ _1\"></span>ss ra<span class=\"_ _1\"></span>tes ar<span class=\"_ _1\"></span>e based<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e payment<span class=\"_ _1\"></span> profiles<span class=\"_ _1\"></span> of sa<span class=\"_ _1\"></span>les ov<span class=\"_ _1\"></span>er a perio<span class=\"_ _1\"></span>d of ti<span class=\"_ _1\"></span>me befor<span class=\"_ _1\"></span>e the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs56a\">reporti<span class=\"_ _0\"></span>ng date and t<span class=\"_ _0\"></span>he corr<span class=\"_ _0\"></span>esponding histori<span class=\"_ _0\"></span>cal cr<span class=\"_ _0\"></span>edit lo<span class=\"_ _0\"></span>sses expe<span class=\"_ _0\"></span>rienced w<span class=\"_ _0\"></span>ithin thi<span class=\"_ _0\"></span>s period. The<span class=\"_ _0\"></span> histori<span class=\"_ _0\"></span>cal </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws73 gs56b\">loss<span class=\"_ _1\"></span> rates<span class=\"_ _1\"></span> are adju<span class=\"_ _1\"></span>sted t<span class=\"_ _1\"></span>o reflect cur<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span> and <span class=\"ws7\">fo<span class=\"_ _1\"></span>rward<span class=\"ls1 ws1\">-<span class=\"ls7 wsec\">looking information on macroeconom<span class=\"_ _0\"></span>ic factors </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs56c\">affect<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e abilit<span class=\"_ _1\"></span>y of th<span class=\"_ _1\"></span>e cust<span class=\"_ _1\"></span>omers to<span class=\"_ _1\"></span> settl<span class=\"_ _1\"></span>e the rec<span class=\"_ _1\"></span>eivab<span class=\"_ _1\"></span>les.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs56d\">The movem<span class=\"_ _1\"></span>ent in prov<span class=\"_ _1\"></span>isions for i<span class=\"_ _1\"></span>mpairment in<span class=\"_ _1\"></span> respect of<span class=\"_ _1\"></span> trade receiv<span class=\"_ _1\"></span>ables is d<span class=\"_ _1\"></span>isclosed in<span class=\"_ _1\"></span> note 16. Oth<span class=\"_ _1\"></span>er </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs56e\">overdue tra<span class=\"_ _1\"></span>de receivables am<span class=\"_ _1\"></span>ount to<span class=\"_ _1\"></span> \u20ac624,000 (2024: \u20ac309,000).<span class=\"_ _1\"></span> Trade receiv<span class=\"_ _1\"></span>ables amo<span class=\"_ _1\"></span>unting \u20ac106,000<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws87 gs56f\">(2024: \u20ac139,<span class=\"_ _1\"></span>000) were ove<span class=\"_ _1\"></span>rdue b<span class=\"_ _1\"></span>y at least th<span class=\"_ _1\"></span>ree months<span class=\"_ _1\"></span>, whereas \u20ac518,0<span class=\"_ _1\"></span>00 (2024:<span class=\"ls1 ws1\">  </span><span class=\"ws3d\">\u20ac170,000) were<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs570\">overdue by a<span class=\"_ _0\"></span>t least ni<span class=\"_ _0\"></span>ne mont<span class=\"_ _0\"></span>hs.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws121 gs571\">The subs<span class=\"_ _1\"></span>idiary\u2019s receivab<span class=\"_ _1\"></span>les, which are not impa<span class=\"_ _1\"></span>ired financial a<span class=\"_ _1\"></span>ssets, are prin<span class=\"_ _1\"></span>cipally in respect of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs572\">tran<span class=\"_ _1\"></span>sacti<span class=\"_ _1\"></span>ons with<span class=\"_ _1\"></span> customer<span class=\"_ _1\"></span>s for who<span class=\"_ _1\"></span>m there is<span class=\"_ _1\"></span> no recent<span class=\"_ _1\"></span> histor<span class=\"_ _1\"></span>y of defau<span class=\"_ _1\"></span>lt. Man<span class=\"_ _1\"></span>agement<span class=\"_ _1\"></span> does<span class=\"_ _1\"></span> not expec<span class=\"_ _1\"></span>t </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs573\">any material losses f<span class=\"_ _0\"></span>rom non<span class=\"ls1\">-<span class=\"ls5 ws6\">performan<span class=\"_ _1\"></span>ce by<span class=\"_ _1\"></span> thes<span class=\"_ _1\"></span>e cu<span class=\"ws7\">sto<span class=\"_ _1\"></span>mers.</span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs574\">2.3.14<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span><span class=\"ws7\">Co<span class=\"_ _1\"></span>ntingencies an<span class=\"_ _1\"></span>d commitm<span class=\"_ _1\"></span>ents<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gs575\">Guarante<span class=\"_ _0\"></span>es and sta<span class=\"_ _0\"></span>ndby le<span class=\"_ _0\"></span>tters of<span class=\"_ _0\"></span> cre<span class=\"_ _0\"></span>dit carr<span class=\"_ _0\"></span>y the same<span class=\"_ _0\"></span> cr<span class=\"_ _0\"></span>edit ri<span class=\"_ _0\"></span>sk as loa<span class=\"_ _0\"></span>ns. Docum<span class=\"_ _0\"></span>entary c<span class=\"_ _0\"></span>redits a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws87 gs576\">commercial lett<span class=\"_ _1\"></span>ers of credit<span class=\"_ _1\"></span> <span class=\"ls1 ws1\">\u2013 <span class=\"_ _1d\"> </span><span class=\"ls8 ws40\">which ar<span class=\"_ _0\"></span>e wri<span class=\"_ _0\"></span>tten unde<span class=\"_ _0\"></span>rtakings by<span class=\"_ _0\"></span> the B<span class=\"_ _0\"></span>ank on be<span class=\"_ _0\"></span>half<span class=\"_ _0\"></span> of a cust<span class=\"_ _0\"></span>omer </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs577\">authorising<span class=\"_ _0\"></span> a third <span class=\"_ _0\"></span>party to <span class=\"_ _0\"></span>draw<span class=\"_ _0\"></span> drafts on the<span class=\"_ _0\"></span> Bank up to <span class=\"_ _0\"></span>a stipula<span class=\"_ _0\"></span>ted amo<span class=\"_ _0\"></span>unt under<span class=\"_ _0\"></span> spec<span class=\"_ _0\"></span>ific te<span class=\"_ _0\"></span>rms and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs578\">conditio<span class=\"_ _1\"></span>ns <span class=\"_ _13\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"_ _13\"></span><span class=\"ls8 wsb\">are collateral<span class=\"_ _0\"></span>ised by the unde<span class=\"_ _0\"></span>rlying shipm<span class=\"_ _0\"></span>ents of<span class=\"_ _0\"></span> goods to w<span class=\"_ _0\"></span>hich they r<span class=\"_ _0\"></span>elate and the<span class=\"_ _0\"></span>ref<span class=\"_ _0\"></span>ore </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wseb gs579\">carry le<span class=\"_ _0\"></span>ss risk t<span class=\"_ _0\"></span>han a dir<span class=\"_ _0\"></span>ect l<span class=\"_ _0\"></span>oan. Com<span class=\"_ _0\"></span>mitment<span class=\"_ _0\"></span>s to exte<span class=\"_ _0\"></span>nd credi<span class=\"_ _0\"></span>t repre<span class=\"_ _0\"></span>sent unused porti<span class=\"_ _0\"></span>ons of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs57a\">authorisat<span class=\"ls5 ws2a\">ions t<span class=\"_ _1\"></span>o extend<span class=\"_ _1\"></span> credi<span class=\"_ _1\"></span>t in t<span class=\"_ _1\"></span>he for<span class=\"_ _1\"></span>m of lo<span class=\"_ _1\"></span>ans,<span class=\"_ _1\"></span> guara<span class=\"_ _1\"></span>ntees o<span class=\"_ _1\"></span>r lett<span class=\"_ _1\"></span>ers of <span class=\"_ _1\"></span>credit<span class=\"_ _1\"></span>. Wit<span class=\"_ _1\"></span>h res<span class=\"_ _1\"></span>pect t<span class=\"_ _1\"></span>o cred<span class=\"_ _1\"></span>it </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs57b\">risk on c<span class=\"_ _0\"></span>ommi<span class=\"_ _0\"></span>tments to e<span class=\"_ _0\"></span>xtend cr<span class=\"_ _0\"></span>edit, the<span class=\"_ _0\"></span> Ban<span class=\"_ _0\"></span>k is pot<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ally e<span class=\"_ _0\"></span>xposed to<span class=\"_ _0\"></span> loss i<span class=\"_ _0\"></span>n an am<span class=\"_ _0\"></span>ount e<span class=\"_ _0\"></span>qual to t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs57c\">tota<span class=\"_ _1\"></span>l unu<span class=\"_ _1\"></span>sed commi<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span>. Ho<span class=\"_ _1\"></span>wever, t<span class=\"_ _1\"></span>he lik<span class=\"_ _1\"></span>ely amo<span class=\"_ _1\"></span>unt<span class=\"ls1 ws1\"> <span class=\"ls8 wsa\">of loss is less than the t<span class=\"_ _0\"></span>otal unus<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ommitments </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wse8 gs57d\">as most co<span class=\"_ _1\"></span>mmitments to<span class=\"_ _1\"></span> extend credit are con<span class=\"_ _1\"></span>tingent u<span class=\"_ _1\"></span>pon cus<span class=\"_ _1\"></span>tomers maintain<span class=\"_ _1\"></span>ing specific credit<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs57e\">standards.  T<span class=\"_ _0\"></span>hese<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span>s are monitor<span class=\"_ _0\"></span>ed in the sam<span class=\"_ _0\"></span>e manner out<span class=\"_ _0\"></span>lined above<span class=\"_ _0\"></span> in respec<span class=\"_ _0\"></span>t of loans and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs57f\">advances.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-500": {
   "value": "2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t <span class=\"ff5 fs1 lsb ws2c\">(continued)</span></span><span class=\"ff1 fs1\"> </span></span>2.3.12 Collat<span class=\"_ _1\"></span>eral<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup employs a r<span class=\"_ _0\"></span>ange of<span class=\"_ _0\"></span> polici<span class=\"_ _0\"></span>es and prac<span class=\"_ _0\"></span>tices to<span class=\"_ _0\"></span> mitig<span class=\"_ _0\"></span>ate cre<span class=\"_ _0\"></span>dit risk. T<span class=\"_ _0\"></span>he amount and <span class=\"_ _0\"></span>type of<span class=\"_ _11\"></span> collate<span class=\"_ _0\"></span>ral re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d depends on an as<span class=\"_ _0\"></span>sessme<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span> credi<span class=\"_ _0\"></span>t risk of<span class=\"_ _0\"></span> the counte<span class=\"_ _0\"></span>rparty.<span class=\"_ _0\"></span> The<span class=\"_ _0\"></span> Bank\u2019s Bo<span class=\"_ _0\"></span>ard establis<span class=\"_ _1\"></span>hed a policy<span class=\"_ _1\"></span> regarding the accep<span class=\"_ _1\"></span>tability of ty<span class=\"_ _1\"></span><span class=\"ls7 ws1\">pes of collate<span class=\"_ _0\"></span>ral and valuation parame<span class=\"_ _0\"></span>ters.<span class=\"ls1\"> </span></span>Longer<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span><span class=\"ws83\">term fin<span class=\"_ _1\"></span>anc<span class=\"_ _1\"></span>e and l<span class=\"_ _1\"></span>endin<span class=\"_ _1\"></span>g to corp<span class=\"_ _1\"></span>orat<span class=\"_ _1\"></span>e and co<span class=\"_ _1\"></span>mmercial en<span class=\"_ _1\"></span>titi<span class=\"_ _1\"></span>es are gen<span class=\"_ _1\"></span>erally<span class=\"_ _1\"></span> secur<span class=\"_ _1\"></span>ed; revo<span class=\"_ _1\"></span>lving<span class=\"_ _1\"></span> </span>individ<span class=\"_ _1\"></span>ual credit facilities<span class=\"_ _1\"></span> are generally<span class=\"_ _1\"></span> unsecured.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The main types of<span class=\"_ _0\"></span> collateral<span class=\"_ _0\"></span> obtained are as follows:<span class=\"ls1\"> </span>\u2022 for corporat<span class=\"_ _1\"></span>e and commercial<span class=\"_ _1\"></span> lending,<span class=\"_ _1\"></span> charges over real es<span class=\"_ _1\"></span>tate properties<span class=\"_ _1\"></span>, cash or s<span class=\"_ _1\"></span>ecurities; and<span class=\"ls1 ws1\"> </span>\u2022 for per<span class=\"_ _0\"></span>sonal le<span class=\"_ _0\"></span>nding (includi<span class=\"_ _0\"></span>ng home loans and consum<span class=\"_ _0\"></span>er cr<span class=\"_ _0\"></span>edit), m<span class=\"_ _0\"></span>ortgages ove<span class=\"_ _0\"></span>r resi<span class=\"_ _0\"></span>dential prope<span class=\"_ _0\"></span>rties, cash or s<span class=\"_ _1\"></span>ecurities.<span class=\"ls1 ws1\"> </span>Collate<span class=\"_ _0\"></span>ral he<span class=\"_ _0\"></span>ld as secur<span class=\"_ _0\"></span>ity for<span class=\"_ _0\"></span> financi<span class=\"_ _0\"></span>al assets othe<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>an loans and<span class=\"_ _0\"></span> adva<span class=\"_ _0\"></span>nces depe<span class=\"_ _0\"></span>nds on t<span class=\"_ _0\"></span>he natur<span class=\"_ _0\"></span>e of the<span class=\"_ _11\"></span> instrume<span class=\"_ _0\"></span>nt. Debt<span class=\"_ _0\"></span> securi<span class=\"_ _0\"></span>ties, tre<span class=\"_ _0\"></span>asury and ot<span class=\"_ _0\"></span>her e<span class=\"_ _0\"></span>ligibl<span class=\"_ _0\"></span>e bill<span class=\"_ _0\"></span>s are gene<span class=\"_ _0\"></span>rally unse<span class=\"_ _0\"></span>cured.<span class=\"ls1 ws1\"> </span>Management assesses the<span class=\"_ _0\"></span> marke<span class=\"_ _0\"></span>t value of coll<span class=\"_ _0\"></span>ateral as part <span class=\"_ _0\"></span>of the l<span class=\"_ _0\"></span>oan origination proc<span class=\"_ _0\"></span>ess. Thi<span class=\"_ _0\"></span>s assessment is reviewed p<span class=\"_ _1\"></span>eriodically th<span class=\"_ _1\"></span>rough<span class=\"_ _1\"></span> ongoing credit<span class=\"_ _1\"></span> file revie<span class=\"_ _1\"></span>ws. The Grou<span class=\"_ _1\"></span>p requests<span class=\"_ _1\"></span> addition<span class=\"_ _1\"></span>al collateral in accordanc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the unde<span class=\"_ _0\"></span>rlying agre<span class=\"_ _0\"></span>ement w<span class=\"_ _0\"></span>hen nece<span class=\"_ _0\"></span>ssary.<span class=\"ls1 ws1\"> </span>The Group's po<span class=\"_ _1\"></span>licies regardi<span class=\"_ _1\"></span>ng obtain<span class=\"_ _1\"></span>ing collateral have no<span class=\"_ _1\"></span>t significant<span class=\"_ _1\"></span>ly changed during th<span class=\"_ _1\"></span>e reporting period and t<span class=\"_ _0\"></span>here has be<span class=\"_ _0\"></span>en no sig<span class=\"_ _0\"></span>nific<span class=\"_ _0\"></span>ant change<span class=\"_ _0\"></span> in the overa<span class=\"_ _0\"></span>ll qualit<span class=\"_ _0\"></span>y of the c<span class=\"_ _0\"></span>ollate<span class=\"_ _0\"></span>ral held by the<span class=\"_ _0\"></span> Group<span class=\"_ _0\"></span> since the<span class=\"_ _0\"></span> prior pe<span class=\"_ _0\"></span>riod.<span class=\"ls1 ws1\"> </span>A portion<span class=\"_ _1\"></span> of the Group\u2019s<span class=\"_ _1\"></span> financial as<span class=\"_ _1\"></span>sets has<span class=\"_ _1\"></span> sufficiently low \u2018<span class=\"_ _1\"></span>loan<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">to</span>-</span>value\u2019 (\u2018L<span class=\"_ _1\"></span>TV\u2019) ratios, which<span class=\"_ _1\"></span> result in n<span class=\"_ _1\"></span>il loss al<span class=\"_ _1\"></span>lowance being recogni<span class=\"_ _1\"></span>sed in a<span class=\"_ _1\"></span>ccordance with th<span class=\"_ _1\"></span>e Group\u2019s E<span class=\"_ _1\"></span>xpected Credit Los<span class=\"_ _1\"></span>s model. As at 31<span class=\"_ _1\"></span> Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"ls8 wsa\">, the gross carryi<span class=\"_ _0\"></span>ng amount of<span class=\"_ _0\"></span> such fi<span class=\"_ _0\"></span>nancial<span class=\"_ _0\"></span> assets i<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> <span class=\"ls6 ws8\">\u20ac594,667,000</span> <span class=\"ls6 ws8\">(202</span>4<span class=\"_ _1\"></span>: \u20ac<span class=\"ls6 ws8\">573,906,0<span class=\"_ _1\"></span>00<span class=\"lsd ws44\">).</span></span> </span></span></span>The ext<span class=\"_ _1\"></span>endib<span class=\"_ _1\"></span>le valu<span class=\"_ _1\"></span>e of t<span class=\"_ _1\"></span>he c<span class=\"_ _1\"></span>ollat<span class=\"_ _1\"></span>eral is<span class=\"_ _1\"></span> the lo<span class=\"_ _1\"></span>wer o<span class=\"_ _1\"></span>f the fa<span class=\"_ _1\"></span>ir v<span class=\"_ _1\"></span>alue of a<span class=\"_ _1\"></span> pled<span class=\"_ _1\"></span>ged as<span class=\"_ _1\"></span>set <span class=\"_ _1\"></span>for len<span class=\"_ _1\"></span>ding<span class=\"_ _1\"></span> purp<span class=\"_ _1\"></span>oses and the gro<span class=\"_ _0\"></span>ss carrying<span class=\"_ _0\"></span> amoun<span class=\"_ _0\"></span>t of the<span class=\"_ _0\"></span> secure<span class=\"_ _0\"></span>d loans.<span class=\"ls1 ws1\"> </span>The Group clos<span class=\"_ _1\"></span>ely monitors <span class=\"_ _1\"></span>collateral h<span class=\"_ _1\"></span>eld for finan<span class=\"_ _1\"></span>cial assets<span class=\"_ _1\"></span> considered t<span class=\"_ _1\"></span>o be credit<span class=\"ls1 ws1\">-</span>impaired, as<span class=\"_ _1\"></span> it becomes more<span class=\"_ _1\"></span> likely that<span class=\"_ _1\"></span> the Group<span class=\"_ _1\"></span> will take po<span class=\"_ _1\"></span>ssessio<span class=\"_ _1\"></span>n of collatera<span class=\"_ _1\"></span>l to mitiga<span class=\"_ _1\"></span>te poten<span class=\"_ _1\"></span>tial credit loss<span class=\"_ _1\"></span>es. Financial a<span class=\"_ _1\"></span>ssets that a<span class=\"_ _1\"></span>re credit<span class=\"ls1 ws1\">-<span class=\"ls8 ws15\">im<span class=\"_ _0\"></span>paired and<span class=\"ls1 ws1\"> <span class=\"ls6 ws1d\">re<span class=\"_ _0\"></span>lated collatera<span class=\"_ _1\"></span>l held in order t<span class=\"_ _1\"></span>o mitigate potential los<span class=\"_ _1\"></span>ses are </span></span></span></span>sho<span class=\"_ _1\"></span>wn below:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCollateralExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-15": {
   "value": "2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"_ _bc\"> </span></span></span></span>2.4<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span><span class=\"lsa ws44\">Market risk</span> </span>The Grou<span class=\"_ _1\"></span>p tak<span class=\"_ _1\"></span>es on ex<span class=\"_ _1\"></span>posure t<span class=\"_ _1\"></span>o market<span class=\"_ _1\"></span> risk, wh<span class=\"_ _1\"></span>ich is<span class=\"_ _1\"></span> the risk t<span class=\"_ _1\"></span>hat the fa<span class=\"_ _1\"></span>ir valu<span class=\"_ _1\"></span>e or futu<span class=\"_ _1\"></span>re cash flo<span class=\"_ _1\"></span>ws of a finan<span class=\"_ _1\"></span>cial in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ment will fl<span class=\"_ _1\"></span>uct<span class=\"_ _1\"></span>uate b<span class=\"_ _1\"></span>ecause o<span class=\"_ _1\"></span>f chan<span class=\"_ _1\"></span>ges in mark<span class=\"_ _1\"></span>et prices<span class=\"_ _1\"></span>. Mark<span class=\"_ _1\"></span>et risk<span class=\"_ _1\"></span>s arise fr<span class=\"_ _1\"></span>om open positions<span class=\"_ _0\"></span> in inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ate, cur<span class=\"_ _11\"></span>rency and equit<span class=\"_ _0\"></span>y produc<span class=\"_ _0\"></span>ts, al<span class=\"_ _0\"></span>l of w<span class=\"_ _0\"></span>hich ar<span class=\"_ _0\"></span>e expo<span class=\"_ _0\"></span>sed to g<span class=\"_ _0\"></span>ener<span class=\"_ _0\"></span>al and spe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>ic market mo<span class=\"_ _1\"></span>vemen<span class=\"_ _1\"></span>ts an<span class=\"_ _1\"></span>d cha<span class=\"_ _1\"></span>nges in t<span class=\"_ _1\"></span>he level o<span class=\"_ _1\"></span>f vola<span class=\"_ _1\"></span>tility<span class=\"_ _1\"></span> of market<span class=\"_ _1\"></span> rates<span class=\"_ _1\"></span> or pric<span class=\"_ _1\"></span>es suc<span class=\"_ _1\"></span>h as int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>tes, credit<span class=\"_ _0\"></span> spreads, f<span class=\"_ _0\"></span>oreig<span class=\"_ _0\"></span>n exchang<span class=\"_ _0\"></span>e rate<span class=\"_ _0\"></span>s and equity pr<span class=\"_ _0\"></span>ices.<span class=\"_ _bc\"> </span>Accord<span class=\"_ _1\"></span>ingly<span class=\"_ _1\"></span>, market<span class=\"_ _1\"></span> risk fo<span class=\"_ _1\"></span>r the Gro<span class=\"_ _1\"></span>up con<span class=\"_ _1\"></span>sis<span class=\"_ _1\"></span>ts of t<span class=\"_ _1\"></span>hree elemen<span class=\"_ _1\"></span>ts:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls5 ws6\">Int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>te risk<span class=\"_ _1\"></span>, which<span class=\"_ _1\"></span> is th<span class=\"_ _1\"></span>e risk of lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> becaus<span class=\"_ _1\"></span>e of cha<span class=\"_ _1\"></span>nges in in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rates<span class=\"_ _1\"></span>;</span> \u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 wsd\">Exchan<span class=\"_ _1\"></span>ge rate risk, which<span class=\"_ _1\"></span> is the risk<span class=\"_ _1\"></span> of losses o<span class=\"_ _1\"></span>n the Group\u2019s p<span class=\"_ _1\"></span>ositions in<span class=\"_ _1\"></span> foreign <span class=\"ls8 ws3c\">currency be<span class=\"_ _0\"></span>cause of<span class=\"_ _0\"></span> </span></span>changes i<span class=\"_ _0\"></span>n exchang<span class=\"_ _0\"></span>e rate<span class=\"_ _0\"></span>s; and<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls6 ws7\">Equi<span class=\"_ _1\"></span>ty price risk,<span class=\"_ _1\"></span> which is the risk o<span class=\"_ _1\"></span>f losses becau<span class=\"_ _1\"></span>se of changes in in<span class=\"_ _1\"></span>vestment prices<span class=\"_ _1\"></span>.<span class=\"_ _bc\"> </span></span>2.4.1<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"lsa ws44\">Interest rate risk</span> </span>Interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e risk i<span class=\"_ _1\"></span>s the r<span class=\"_ _1\"></span>isk tha<span class=\"_ _1\"></span>t the v<span class=\"_ _1\"></span>alue or<span class=\"_ _1\"></span> cash fl<span class=\"_ _1\"></span>ows of a<span class=\"_ _1\"></span> finan<span class=\"_ _1\"></span>cial ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>t wil<span class=\"_ _1\"></span>l fluc<span class=\"_ _1\"></span>tuate d<span class=\"_ _1\"></span>ue to<span class=\"_ _1\"></span> chan<span class=\"_ _1\"></span>ges in ma<span class=\"_ _1\"></span>rket in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates.<span class=\"_ _1\"></span>  Cash fl<span class=\"_ _1\"></span>ow inter<span class=\"_ _1\"></span>est rat<span class=\"_ _1\"></span>e risk i<span class=\"_ _1\"></span>s the ris<span class=\"_ _1\"></span>k that t<span class=\"_ _1\"></span>he futu<span class=\"_ _1\"></span>re cash flo<span class=\"_ _1\"></span>ws of a financial in<span class=\"_ _1\"></span>strument will fluctu<span class=\"_ _1\"></span>ate beca<span class=\"ls5 ws2a\">us<span class=\"_ _1\"></span>e of chan<span class=\"_ _1\"></span>ges in mar<span class=\"_ _1\"></span>ket int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>tes. Fa<span class=\"_ _1\"></span>ir value i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate ri<span class=\"_ _1\"></span>sk </span>is th<span class=\"_ _1\"></span>e risk th<span class=\"_ _1\"></span>at the fa<span class=\"_ _1\"></span>ir valu<span class=\"_ _1\"></span>e of a finan<span class=\"_ _1\"></span>cial in<span class=\"_ _1\"></span>strumen<span class=\"_ _1\"></span>t will fl<span class=\"_ _1\"></span>uctu<span class=\"_ _1\"></span>ate bec<span class=\"_ _1\"></span>ause o<span class=\"_ _1\"></span>f chang<span class=\"_ _1\"></span>es in ma<span class=\"_ _1\"></span>rket in<span class=\"_ _1\"></span>terest rates. T<span class=\"_ _0\"></span>he Gr<span class=\"_ _0\"></span>oup, thro<span class=\"_ _0\"></span>ugh it<span class=\"_ _0\"></span>s banking<span class=\"_ _11\"></span> operations, take<span class=\"_ _0\"></span>s on<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> to<span class=\"_ _0\"></span> the<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls5 ws35\">effects o<span class=\"_ _1\"></span>f fluctu<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span>s in the </span></span>preva<span class=\"_ _1\"></span>iling l<span class=\"_ _1\"></span>evels o<span class=\"_ _1\"></span>f market in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rates<span class=\"_ _1\"></span> on both<span class=\"_ _1\"></span> its fair va<span class=\"_ _1\"></span>lue and<span class=\"_ _1\"></span> cash flo<span class=\"_ _1\"></span>w risks<span class=\"_ _1\"></span>. Interes<span class=\"_ _1\"></span>t margi<span class=\"_ _1\"></span>ns may increa<span class=\"_ _0\"></span>se as a re<span class=\"_ _0\"></span>sult of such c<span class=\"_ _0\"></span>hange<span class=\"_ _0\"></span>s but losse<span class=\"_ _0\"></span>s may occ<span class=\"_ _0\"></span>ur in <span class=\"_ _0\"></span>the eve<span class=\"_ _0\"></span>nt that unex<span class=\"_ _0\"></span>pecte<span class=\"_ _0\"></span>d moveme<span class=\"_ _0\"></span>nts arise.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>The Bank\u2019s operations are subject to the risk of inte<span class=\"_ _0\"></span>rest rate fluctuations to the extent that interest<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">earnin<span class=\"_ _1\"></span>g </span></span>assets an<span class=\"_ _0\"></span>d int<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>st<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">bearing li<span class=\"_ _1\"></span>abi<span class=\"_ _1\"></span>lities<span class=\"_ _1\"></span> mature o<span class=\"_ _1\"></span>r repri<span class=\"_ _1\"></span>ce wit<span class=\"_ _1\"></span>hin d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>t time p<span class=\"_ _1\"></span>eriod<span class=\"_ _1\"></span>s or on<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ent terms<span class=\"_ _1\"></span>. </span></span>The Ban<span class=\"_ _1\"></span>k accept<span class=\"_ _1\"></span>s dep<span class=\"_ _1\"></span>osits<span class=\"_ _1\"></span> from cu<span class=\"ls7 ws46\">stomers at both fixed and<span class=\"_ _0\"></span> floating rate<span class=\"_ _0\"></span>s and for varying<span class=\"_ _0\"></span> te<span class=\"_ _0\"></span>rms. This poses </span>a risk to the<span class=\"_ _0\"></span> Bank, w<span class=\"_ _0\"></span>hich risk i<span class=\"_ _0\"></span>s manage<span class=\"_ _0\"></span>d by monitor<span class=\"_ _0\"></span>ing on a continuous ba<span class=\"_ _0\"></span>sis the l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> of mismatc<span class=\"_ _0\"></span>h of interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e repric<span class=\"_ _1\"></span>ing ta<span class=\"_ _1\"></span>king co<span class=\"_ _1\"></span>gnis<span class=\"_ _1\"></span>ance of t<span class=\"_ _1\"></span>he ter<span class=\"_ _1\"></span>ms of t<span class=\"_ _1\"></span>he Ban<span class=\"_ _1\"></span>k\u2019s ma<span class=\"_ _1\"></span>in as<span class=\"_ _1\"></span>se<span class=\"ls7 ws54\">ts, loans and advances to </span>custome<span class=\"_ _0\"></span>rs, that are<span class=\"_ _0\"></span> princi<span class=\"_ _0\"></span>pally repric<span class=\"_ _0\"></span>eable at t<span class=\"_ _0\"></span>he Bank\u2019s discre<span class=\"_ _0\"></span>tion.  T<span class=\"_ _0\"></span>he Bank also i<span class=\"_ _0\"></span>nvests in highl<span class=\"_ _0\"></span>y liquid<span class=\"_ _0\"></span> quality a<span class=\"_ _0\"></span>ssets and<span class=\"_ _0\"></span> other<span class=\"_ _0\"></span> short<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws15\">te<span class=\"_ _0\"></span>rm instrume<span class=\"_ _0\"></span>nts for t<span class=\"_ _0\"></span>he pur<span class=\"_ _0\"></span>poses of<span class=\"_ _0\"></span> miti<span class=\"_ _0\"></span>gating e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span>s t<span class=\"_ _0\"></span>o fluctua<span class=\"_ _0\"></span>tions i<span class=\"_ _0\"></span>n </span></span>interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span><span class=\"ls6 ws27\">es.  The Bank is accordingly in a po<span class=\"_ _1\"></span>sition to manage the int<span class=\"_ _1\"></span>erest rate terms of its principa<span class=\"_ _1\"></span>l </span>financial as<span class=\"_ _1\"></span>sets an<span class=\"_ _1\"></span>d simultan<span class=\"_ _1\"></span>eously to ef<span class=\"_ _1\"></span>fect changes<span class=\"_ _1\"></span> to int<span class=\"_ _1\"></span>erest terms o<span class=\"_ _1\"></span>f liabilities<span class=\"_ _1\"></span> reflecting t<span class=\"_ _1\"></span>he Bank\u2019<span class=\"_ _1\"></span>s stra<span class=\"_ _1\"></span>tegy to<span class=\"_ _1\"></span>gether wit<span class=\"_ _1\"></span>h mark<span class=\"_ _1\"></span>et dev<span class=\"_ _1\"></span>elopm<span class=\"_ _1\"></span>ents<span class=\"_ _1\"></span>. The Grou<span class=\"_ _1\"></span>p<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span></span>s<span class=\"_ _1\"></span>eeks to<span class=\"_ _1\"></span> manage it<span class=\"_ _1\"></span>s net<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t spr<span class=\"_ _1\"></span>ead, considerin<span class=\"_ _1\"></span>g the cost of ca<span class=\"_ _1\"></span>pital, by<span class=\"_ _1\"></span> investing fu<span class=\"_ _1\"></span>nds in a portfolio of as<span class=\"_ _1\"></span>sets with a lo<span class=\"_ _1\"></span>nger term than th<span class=\"_ _1\"></span>e liabilities fu<span class=\"_ _1\"></span>nding them (th<span class=\"_ _1\"></span>erefore normally giv<span class=\"_ _1\"></span>ing rise to a negativ<span class=\"_ _1\"></span>e maturity gap<span class=\"_ _1\"></span> position<span class=\"_ _1\"></span>) but with shorte<span class=\"ls72 wsee\">r </span>reprici<span class=\"_ _1\"></span>ng peri<span class=\"_ _1\"></span>ods o<span class=\"_ _1\"></span>r terms.<span class=\"_ _1\"></span>  The Bank<span class=\"_ _1\"></span> manages<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>horter<span class=\"_ _1\"></span> term natu<span class=\"_ _1\"></span>re of the l<span class=\"_ _1\"></span>iabili<span class=\"_ _1\"></span>ties fu<span class=\"_ _1\"></span>ndin<span class=\"_ _1\"></span>g the ass<span class=\"_ _1\"></span>ets for th<span class=\"_ _1\"></span>e purp<span class=\"_ _1\"></span>oses o<span class=\"_ _1\"></span>f ensu<span class=\"_ _1\"></span>ring a <span class=\"_ _1\"></span>stea<span class=\"_ _1\"></span>dy ba<span class=\"_ _1\"></span>se of d<span class=\"_ _1\"></span>eposi<span class=\"_ _1\"></span>ts with<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ing ter<span class=\"_ _1\"></span>ms ov<span class=\"_ _1\"></span>er the <span class=\"_ _1\"></span>mediu<span class=\"_ _1\"></span>m to lo<span class=\"_ _1\"></span>nger<span class=\"_ _1\"></span> term. The Bank\u2019s As<span class=\"_ _1\"></span>sets &amp; Lia<span class=\"_ _1\"></span>bilities <span class=\"_ _1\"></span>Commit<span class=\"ls5 ws3f\">tee<span class=\"_ _1\"></span> is pri<span class=\"_ _1\"></span>marily r<span class=\"_ _1\"></span>esp<span class=\"_ _1\"></span>onsi<span class=\"_ _1\"></span>ble for o<span class=\"_ _1\"></span>versig<span class=\"_ _1\"></span>ht ov<span class=\"_ _1\"></span>er the<span class=\"_ _1\"></span> Ban<span class=\"_ _1\"></span>k\u2019s in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> rate </span>risk<span class=\"_ _1\"></span> managemen<span class=\"_ _1\"></span>t proc<span class=\"_ _1\"></span>ess an<span class=\"_ _1\"></span>d mon<span class=\"_ _1\"></span>itors<span class=\"_ _1\"></span> activ<span class=\"_ _1\"></span>ely the i<span class=\"_ _1\"></span>nteres<span class=\"_ _1\"></span>t rate ri<span class=\"_ _1\"></span>sk meas<span class=\"_ _1\"></span>ures u<span class=\"_ _1\"></span>tilis<span class=\"_ _1\"></span>ed by th<span class=\"_ _1\"></span>e Bank.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>Credit fa<span class=\"_ _1\"></span>ciliti<span class=\"_ _1\"></span>es an<span class=\"_ _1\"></span>d commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s to lend<span class=\"_ _1\"></span> funds t<span class=\"_ _1\"></span>o custo<span class=\"_ _1\"></span>mers are gra<span class=\"_ _1\"></span>nted a<span class=\"_ _1\"></span>t market in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates <span class=\"ls6 ws8\">p<span class=\"_ _1\"></span>revailing </span>at drawdown date.<span class=\"ls1\"> </span>The financ<span class=\"_ _0\"></span>ial ye<span class=\"_ _0\"></span>ars ended 31 De<span class=\"_ _0\"></span>cember 2025<span class=\"_ _0\"></span> and 2024, have bee<span class=\"_ _0\"></span>n charac<span class=\"_ _0\"></span>terised by a conti<span class=\"_ _0\"></span>nued disinflationary process t<span class=\"_ _0\"></span>hat has stabilised i<span class=\"_ _0\"></span>nflation rates cl<span class=\"_ _0\"></span>oser to central bank targ<span class=\"_ _0\"></span>ets. In a conte<span class=\"_ _0\"></span>xt of a<span class=\"_ _0\"></span> resilient labour m<span class=\"_ _0\"></span>arket, the Euro Area ec<span class=\"_ _0\"></span>onomy has con<span class=\"ls6 ws10\">tinued to<span class=\"_ _1\"></span> grow despite th<span class=\"_ _1\"></span>e cha<span class=\"_ _1\"></span>llenging global<span class=\"_ _1\"></span> </span>environm<span class=\"_ _0\"></span>ent. In i<span class=\"_ _0\"></span>ts latest m<span class=\"_ _0\"></span>onetary poli<span class=\"_ _0\"></span>cy deci<span class=\"_ _0\"></span>sion, the EC<span class=\"_ _0\"></span>B see<span class=\"_ _0\"></span>s the outloo<span class=\"_ _0\"></span>k as still unce<span class=\"_ _0\"></span>rtain, due<span class=\"_ _0\"></span> to ongoing glo<span class=\"_ _1\"></span>bal trade dis<span class=\"_ _1\"></span>putes and<span class=\"_ _1\"></span> geopolitical tens<span class=\"_ _1\"></span>ions. <span class=\"ls1 ws1\"> </span>Following a s<span class=\"_ _1\"></span>eries of rate cuts<span class=\"_ _1\"></span> in 2024<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls7 ws4e\">and</span> <span class=\"_ _1\"></span></span>the first h<span class=\"_ _1\"></span>alf of 2025, ever since its<span class=\"_ _1\"></span> June 2025 decis<span class=\"_ _1\"></span>ion<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls5 ws3b\">the E<span class=\"_ _1\"></span>CB </span></span>decide<span class=\"_ _0\"></span>d to kee<span class=\"_ _0\"></span>p the three<span class=\"_ _0\"></span> key ECB inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ates unchang<span class=\"_ _0\"></span>ed, whi<span class=\"_ _0\"></span>ch stance<span class=\"_ _0\"></span> has<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls6 ws8\">also</span> <span class=\"_ _13\"></span><span class=\"ls5 ws7\">been</span> <span class=\"_ _1\"></span><span class=\"ls6 wsd\">confirm<span class=\"_ _1\"></span>ed in its<span class=\"_ _1\"></span> </span></span>December 2025 d<span class=\"_ _1\"></span>ecision <span class=\"ls1 ws1\">\u2013 <span class=\"_ _13\"></span><span class=\"ls8 ws1b\">the deposit fac<span class=\"_ _0\"></span>ility,<span class=\"_ _0\"></span> the main ref<span class=\"_ _0\"></span>inancing<span class=\"_ _0\"></span> operatio<span class=\"_ _0\"></span>ns and the mar<span class=\"_ _0\"></span>ginal l<span class=\"_ _0\"></span>ending </span></span>facility set at<span class=\"_ _1\"></span> 2.00%, 2.15% an<span class=\"_ _1\"></span>d 2.40% respectiv<span class=\"_ _1\"></span>ely.<span class=\"ls1 ws1\"> </span>The f<span class=\"_ _0\"></span>ollowing t<span class=\"_ _0\"></span>ables summar<span class=\"_ _0\"></span>ise the Group\u2019s e<span class=\"_ _0\"></span>xposures to i<span class=\"_ _0\"></span>nte<span class=\"_ _0\"></span>rest rat<span class=\"_ _0\"></span>e risks. T<span class=\"_ _0\"></span>hese analyse<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019s financ<span class=\"_ _0\"></span>ial instrum<span class=\"_ _0\"></span>ents,<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">which<span class=\"_ _1\"></span> are in<span class=\"_ _1\"></span>terest<span class=\"ls1 ws1\">-<span class=\"ls6 ws2e\">b<span class=\"_ _1\"></span>earing, at t<span class=\"_ _1\"></span>heir carrying a<span class=\"_ _1\"></span>mounts </span></span></span></span>categorised b<span class=\"_ _1\"></span>y the earlier of co<span class=\"_ _1\"></span>ntractual<span class=\"_ _1\"></span> repricing or matur<span class=\"_ _1\"></span>ity dates.<span class=\"ls1 ws1\"> </span><table class=\"s w22f h1e1\" id=\"_b400c973-f081-4ab5-ba8f-c42ffb3de867\"><tr><td class=\"c x3ac y21cd w118 h12b\"><div class=\"t m0 x10 h35 y1490 ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ad y21cd w119 h12b\"><div class=\"t m0 x80 h29 y1490 ff3 fs8 fc0 sc0 ls6f ws109\">Average </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x3ae h29 y21ce ff3 fs8 fc0 sc0 ls6f ws109\">effective</td><td></td><td class=\"t m0 x3af h29 y21ce ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _1e\"> </span><span class=\"ls6f ws109\">Between</span> </td><td class=\"t m0 x3b0 h29 y21ce ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _58\"> </span><span class=\"ls6f ws109\">Between</span> </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x3b1 h29 y21cf ff3 fs8 fc0 sc0 ls70 ws10a\">Carrying<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3b2 h29 y21cf ff3 fs8 fc0 sc0 ls6f ws109\">interest<span class=\"_ _bc\"> </span></td><td class=\"t m0 x3b3 h29 y21cf ff3 fs8 fc0 sc0 ls1 ws9b\">Less than<span class=\"ws1\"> </span></td><td class=\"t m0 x3b4 h29 y21d0 ff3 fs8 fc0 sc0 ls1 ws9b\">3 months<span class=\"ws1\"> </span></td><td class=\"t m0 x3b5 h29 y21d0 ff3 fs8 fc0 sc0 ls1 ws9b\">1 year<span class=\"ws1\"> </span></td><td class=\"t m0 x3b6 h29 y21cf ff3 fs8 fc0 sc0 ls1 ws9b\">More than<span class=\"ws1\"> </span></td><td class=\"t m0 x3b7 h29 y21cf ff3 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls6f ws109\">interest</span></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x3b8 y21cd wf8 h12b\"><div class=\"t m0 xe2 h35 y94f ff3 fs8 fc0 sc0 ls28 ws99\">amount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x3b9 h35 y21d1 ff3 fs8 fc0 sc0 ls1 ws1\">rate<span class=\"ffa\"> </span></td><td class=\"c x3ba y21cd w11a h12b\"><div class=\"t m0 xd4 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">3 months<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3bb y21cd wd4 h12b\"><div class=\"t m0 xe9 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">and 1 year <span class=\"ffa ws1\"> </span></div></td><td class=\"c x3bc y21cd w104 h12b\"><div class=\"t m0 x107 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">and 5 years<span class=\"ffa ws1\"> </span></div></td><td class=\"t m0 x3bd h35 y21d1 ff3 fs8 fc0 sc0 ls1 ws9b\">5 years<span class=\"ffa ws1\"> </span></td><td class=\"c x3be y21cd w11b h12b\"><div class=\"t m0 x26 h29 y94f ff3 fs8 fc0 sc0 ls28 ws99\">bearing<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3ac y21d2 w118 h96\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3b8 y21d2 wf8 h96\"><div class=\"t m0 xdb h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3ad y21d2 w119 h96\"><div class=\"t m0 x104 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\">%<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d2 w11a h96\"><div class=\"t m0 x49 h35 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3bb y21d2 wd4 h96\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _57\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d2 w104 h96\"><div class=\"t m0 x10 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _ae\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d2 w119 h96\"><div class=\"t m0 x84 h35 y94f ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _4b\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d2 w11b h96\"><div class=\"t m0 xd9 h29 y94f ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x3ac y21d3 w118 h97\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3ac y21d4 w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls6a ws1\">Balances with Centr<span class=\"_ _0\"></span>al Bank of Malta, treasury bills and<span class=\"_ _0\"></span> cash<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3b8 y21d4 wf8 h96\"><div class=\"t m0 xe2 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">182,564<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d4 w119 h96\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1.97<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d4 w11a h96\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">164,004<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d4 wd4 h96\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">10,918<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d4 w104 h96\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d4 w119 h96\"><div class=\"t m0 x8f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d4 w11b h96\"><div class=\"t m0 x10b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">7,642 </div></td></tr><tr><td class=\"c x3ac y21d5 w118 h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments m<span class=\"_ _1\"></span>easured at<span class=\"_ _1\"></span> FVO<span class=\"_ _1\"></span>CI <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d5 wf8 h95\"><div class=\"t m0 xe2 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d5 w119 h95\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1.06<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d5 w11a h95\"><div class=\"t m0 xe6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">571<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d5 wd4 h95\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">46,047<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d5 w104 h95\"><div class=\"t m0 xd7 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">83,687<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d5 w119 h95\"><div class=\"t m0 xe5 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">40,660<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d5 w11b h95\"><div class=\"t m0 xf7 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21d6 w118 h94\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments m<span class=\"_ _1\"></span>easured at<span class=\"_ _1\"></span> amorti<span class=\"_ _1\"></span>sed c<span class=\"_ _1\"></span>ost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d6 wf8 h94\"><div class=\"t m0 xdf h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d6 w119 h94\"><div class=\"t m0 x4f h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">3.70<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d6 w11a h94\"><div class=\"t m0 xce h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d6 wd4 h94\"><div class=\"t m0 xe5 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">3,001<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d6 w104 h94\"><div class=\"t m0 xd7 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">24,364<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d6 w119 h94\"><div class=\"t m0 xd6 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">6,525<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d6 w11b h94\"><div class=\"t m0 xf7 h29 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21d7 w118 h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d7 wf8 h95\"><div class=\"t m0 xdf h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">62,423<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d7 w119 h95\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1.49<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d7 w11a h95\"><div class=\"t m0 xb5 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">61,923<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d7 wd4 h95\"><div class=\"t m0 xd8 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">500<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d7 w104 h95\"><div class=\"t m0 xce h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d7 w119 h95\"><div class=\"t m0 x8f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d7 w11b h95\"><div class=\"t m0 xf7 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21d8 w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d8 wf8 h96\"><div class=\"t m0 xe2 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">929,111<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21d8 w119 h96\"><div class=\"t m0 x4f h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">3.80<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21d8 w11a h96\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">752,013<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d8 wd4 h96\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">79,574<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d8 w104 h96\"><div class=\"t m0 xd7 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">93,894<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d8 w119 h96\"><div class=\"t m0 xd6 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,870<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d8 w11b h96\"><div class=\"t m0 x10b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,760 </div></td></tr><tr><td class=\"c x3ac y21d9 w118 h95\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l asse<span class=\"_ _1\"></span>ts<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21d9 wf8 h95\"><div class=\"t m0 x9c h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,378,953<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x3ba y21d9 w11a h95\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">978,511<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21d9 wd4 h95\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">140,040<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21d9 w104 h95\"><div class=\"t m0 x22 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">201,945<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21d9 w119 h95\"><div class=\"t m0 xe5 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">49,055<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21d9 w11b h95\"><div class=\"t m0 x10b h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">9,402 </div></td></tr><tr><td class=\"c x3ac y21da w118 h96\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l liab<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3ac y21db w118 hef\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21db wf8 hef\"><div class=\"t m0 xcb h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">345<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21db w119 hef\"><div class=\"t m0 x4f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">0.16<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21db w11a hef\"><div class=\"t m0 xe6 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">336<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21db wd4 hef\"><div class=\"t m0 x6b h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21db w104 hef\"><div class=\"t m0 xce h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21db w119 hef\"><div class=\"t m0 x8f h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21db w11b hef\"><div class=\"t m0 x10d h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">9 </div></td></tr><tr><td class=\"c x3ac y21dc w118 hf5\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21dc wf8 hf5\"><div class=\"t m0 x9c h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">1,207,256<span class=\"ffa\"> </span></div></td><td class=\"c x3ad y21dc w119 hf5\"><div class=\"t m0 x4f h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">1.38<span class=\"ffa\"> </span></div></td><td class=\"c x3ba y21dc w11a hf5\"><div class=\"t m0 x35 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">497,571<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21dc wd4 hf5\"><div class=\"t m0 x80 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">105,606<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21dc w104 hf5\"><div class=\"t m0 x22 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">313,140<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21dc w119 hf5\"><div class=\"t m0 xe5 h35 y827 ff3 fs8 fc0 sc0 ls1 ws1\">81,082<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21dc w11b hf5\"><div class=\"t m0 x26 h29 y827 ff3 fs8 fc0 sc0 ls1 ws1\">209,857 </div></td></tr><tr><td class=\"c x3ac y21dd w118 h96\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l liabi<span class=\"_ _1\"></span>litie<span class=\"_ _1\"></span>s <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21dd wf8 h96\"><div class=\"t m0 x9c h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">1,207,601<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x3ba y21dd w11a h96\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">497,907<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21dd wd4 h96\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">105,606<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21dd w104 h96\"><div class=\"t m0 x22 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">313,140<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21dd w119 h96\"><div class=\"t m0 xe5 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">81,082<span class=\"ffa\"> </span></div></td><td class=\"c x3be y21dd w11b h96\"><div class=\"t m0 x26 h29 y829 ff3 fs8 fc0 sc0 ls1 ws1\">209,866 </div></td></tr><tr><td class=\"c x3ac y21de w118 h97\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Interest repricing gap<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td class=\"c x3ba y21de w11a h97\"><div class=\"t m0 x35 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">480,604<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21de wd4 h97\"><div class=\"t m0 x113 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">34,434<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21de w104 h97\"><div class=\"t m0 x113 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">(111,195)<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21de w119 h97\"><div class=\"t m0 x33 h35 y8eb ff3 fs8 fc0 sc0 ls1 ws1\">(31,027)<span class=\"ffa\"> </span></div></td><td></td></tr><tr><td class=\"c x3ac y21df w118 h95\"><div class=\"t m0 x10 h35 y9db ff3 fs8 fc0 sc0 ls1 ws9b\">Cumulative gap<span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td class=\"c x3ba y21df w11a h95\"><div class=\"t m0 x35 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">480,604<span class=\"ffa\"> </span></div></td><td class=\"c x3bb y21df wd4 h95\"><div class=\"t m0 x80 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">515,038<span class=\"ffa\"> </span></div></td><td class=\"c x3bc y21df w104 h95\"><div class=\"t m0 x22 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">403,843<span class=\"ffa\"> </span></div></td><td class=\"c x3bf y21df w119 h95\"><div class=\"t m0 x113 h35 y829 ff3 fs8 fc0 sc0 ls1 ws1\">371,816<span class=\"ffa\"> </span></div></td><td></td></tr></table><table class=\"s w22f h1e2\" id=\"_f2bfac1e-782a-4ade-8348-5e59ed76b2be\"><tr><td class=\"c x3ac y21e0 w118 h12b\"><div class=\"t m0 x10 h25 y1490 ff1 fs8 fc0 sc0 ls29 ws9a\">Group<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ad y21e0 w119 h12b\"><div class=\"t m0 x90 h25 y1490 ff1 fs8 fc0 sc0 ls4 ws0\">Average </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x3ae h25 y21e1 ff1 fs8 fc0 sc0 ls79 ws113\">effective</td><td></td><td class=\"t m0 x3af h25 y21e1 ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _2a\"> </span><span class=\"ls4 ws0\">B<span class=\"_ _1\"></span>etween</span> </td><td class=\"t m0 x3b0 h25 y21e1 ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _35\"> </span><span class=\"ls4 ws0\">B<span class=\"_ _1\"></span>etween</span> </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x3c0 h25 y21e2 ff1 fs8 fc0 sc0 ls2a ws10d\">Carrying<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3b2 h25 y21e2 ff1 fs8 fc0 sc0 ls4 ws0\">interest<span class=\"_ _bc\"> </span></td><td class=\"t m0 x3c1 h25 y21e2 ff1 fs8 fc0 sc0 ls4 ws9a\">Less than<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3b4 h25 y21e3 ff1 fs8 fc0 sc0 ls29 ws98\">3 months<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3b5 h25 y21e3 ff1 fs8 fc0 sc0 ls6a ws1\">1 year<span class=\"ls1\"> </span></td><td class=\"t m0 x3c2 h25 y21e2 ff1 fs8 fc0 sc0 ls2a ws99\">More than<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3c3 h25 y21e2 ff1 fs8 fc0 sc0 ls29 ws9a\">Non<span class=\"ls1 ws1\">-<span class=\"ls4 ws0\">inter<span class=\"_ _1\"></span>est</span></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x3b8 y21e0 wf8 h12b\"><div class=\"t m0 xe9 h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">amount<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ad y21e0 w119 h12b\"><div class=\"t m0 xd8 h25 y9db ff1 fs8 fc0 sc0 ls2a ws10d\">rate<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ba y21e0 w11d h12b\"><div class=\"t m0 xd4 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">3 months<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3bb y21e0 wd4 h12b\"><div class=\"t m0 xe9 h25 y9db ff1 fs8 fc0 sc0 ls6a ws1\">and 1 year <span class=\"ffb ls1\"> </span></div></td><td class=\"c x3bc y21e0 w11e h12b\"><div class=\"t m0 xdf h25 y9db ff1 fs8 fc0 sc0 ls6a ws1\">and 5 years<span class=\"ffb ls1\"> </span></div></td><td class=\"t m0 x3c4 h25 y21e4 ff1 fs8 fc0 sc0 ls6a ws1\">5 years<span class=\"ffb ls1\"> </span></td><td class=\"c x3be y21e0 w11f h12b\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls29 ws9a\">bearing<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3ac y21e5 w118 h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 2024<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3b8 y21e5 wf8 h95\"><div class=\"t m0 xdb h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3ad y21e5 w119 h95\"><div class=\"t m0 x104 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">%<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21e5 w11d h95\"><div class=\"t m0 x49 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3bb y21e5 wd4 h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _57\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21e5 w11e h95\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _ae\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21e5 w119 h95\"><div class=\"t m0 x84 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"_ _4b\"> </span><span class=\"ws9b\">\u20ac 000</span><span class=\"ffb\"> </span></div></td><td class=\"c x3be y21e5 w11f h95\"><div class=\"t m0 xd9 h25 y94f ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x3ac y21e6 w118 h94\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3ac y21e7 w118 h95\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls6a ws1\">Balances with Centr<span class=\"_ _0\"></span>al Bank of Malta, treasury bills and<span class=\"_ _0\"></span> cash<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3b8 y21e7 wf8 h95\"><div class=\"t m0 xe2 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">154,480<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21e7 w119 h95\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">3.12<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21e7 w11d h95\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">146,872<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21e7 wd4 h95\"><div class=\"t m0 x6b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21e7 w11e h95\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21e7 w119 h95\"><div class=\"t m0 x8f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21e7 w11f h95\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">7,608 </div></td></tr><tr><td class=\"c x3ac y21e8 w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments m<span class=\"_ _1\"></span>easured at<span class=\"_ _1\"></span> FVO<span class=\"_ _1\"></span>CI <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21e8 wf8 h96\"><div class=\"t m0 xe2 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21e8 w119 h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1.06<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21e8 w11d h96\"><div class=\"t m0 xd8 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2,661<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21e8 wd4 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">6,224<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21e8 w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">118,170<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21e8 w119 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">51,773<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21e8 w11f h96\"><div class=\"t m0 xf7 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21e9 w118 h97\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments m<span class=\"_ _1\"></span>easured at<span class=\"_ _1\"></span> amorti<span class=\"_ _1\"></span>sed c<span class=\"_ _1\"></span>ost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21e9 wf8 h97\"><div class=\"t m0 xdf h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21e9 w119 h97\"><div class=\"t m0 x4f h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">4.30<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21e9 w11d h97\"><div class=\"t m0 xce h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21e9 wd4 h97\"><div class=\"t m0 x6b h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21e9 w11e h97\"><div class=\"t m0 xd7 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">14,000<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21e9 w119 h97\"><div class=\"t m0 xd6 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">7,107<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21e9 w11f h97\"><div class=\"t m0 xf7 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21ea w118 h96\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21ea wf8 h96\"><div class=\"t m0 xdf h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">46,189<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21ea w119 h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2.43<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21ea w11d h96\"><div class=\"t m0 xb5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">45,189<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21ea wd4 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,000<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21ea w11e h96\"><div class=\"t m0 xce h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21ea w119 h96\"><div class=\"t m0 x8f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21ea w11f h96\"><div class=\"t m0 xf7 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3ac y21eb w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21eb wf8 h96\"><div class=\"t m0 xe2 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">872,682<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21eb w119 h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">3.73<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21eb w11d h96\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">694,909<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21eb wd4 h96\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">44,822<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21eb w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">129,975<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21eb w119 h96\"><div class=\"t m0 xd9 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">433<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21eb w11f h96\"><div class=\"t m0 x10b h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">2,543 </div></td></tr><tr><td class=\"c x3ac y21ec w118 h96\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial assets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21ec wf8 h96\"><div class=\"t m0 x9c h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,273,286<span class=\"ffb\"> </span></div></td><td></td><td class=\"c x3ba y21ec w11d h96\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">889,631<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21ec wd4 h96\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">52,046<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21ec w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">262,145<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21ec w119 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">59,313<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21ec w11f h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">10,151 </div></td></tr><tr><td class=\"c x3ac y21ed w118 h94\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws9e\">Financial liabil<span class=\"_ _1\"></span>ities<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3ac y21ee w118 hf2\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21ee wf8 hf2\"><div class=\"t m0 xcb h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">438<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21ee w119 hf2\"><div class=\"t m0 x4f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">0.15<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21ee w11d hf2\"><div class=\"t m0 xe6 h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">410<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21ee wd4 hf2\"><div class=\"t m0 x6b h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21ee w11e hf2\"><div class=\"t m0 xce h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21ee w119 hf2\"><div class=\"t m0 x8f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21ee w11f hf2\"><div class=\"t m0 x8f h25 y94f ff1 fs8 fc0 sc0 ls1 ws1\">28 </div></td></tr><tr><td class=\"c x3ac y21ef w118 h96\"><div class=\"t m0 x10 h25 y94f ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21ef wf8 h96\"><div class=\"t m0 x9c h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1,120,006<span class=\"ffb\"> </span></div></td><td class=\"c x3ad y21ef w119 h96\"><div class=\"t m0 x4f h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">1.29<span class=\"ffb\"> </span></div></td><td class=\"c x3ba y21ef w11d h96\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">515,217<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21ef wd4 h96\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">66,702<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21ef w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">275,996<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21ef w119 h96\"><div class=\"t m0 xe5 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">49,231<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21ef w11f h96\"><div class=\"t m0 x26 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">212,860 </div></td></tr><tr><td class=\"c x3ac y21f0 w118 h97\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial liabiliti<span class=\"_ _1\"></span>es <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3b8 y21f0 wf8 h97\"><div class=\"t m0 x9c h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">1,120,444<span class=\"ffb\"> </span></div></td><td></td><td class=\"c x3ba y21f0 w11d h97\"><div class=\"t m0 x35 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">515,627<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21f0 wd4 h97\"><div class=\"t m0 x113 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">66,702<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21f0 w11e h97\"><div class=\"t m0 x22 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">275,996<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21f0 w119 h97\"><div class=\"t m0 xe5 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">49,231<span class=\"ffb\"> </span></div></td><td class=\"c x3be y21f0 w11f h97\"><div class=\"t m0 x26 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">212,888 </div></td></tr><tr><td class=\"c x3ac y21f1 w118 h97\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls2a ws99\">Interest repricin<span class=\"_ _1\"></span>g gap<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x3ba y21f1 w11d h97\"><div class=\"t m0 x35 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">374,004<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21f1 wd4 h97\"><div class=\"t m0 x90 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">(14,656)<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21f1 w11e h97\"><div class=\"t m0 xe5 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">(13,851)<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21f1 w119 h97\"><div class=\"t m0 xe5 h25 y8eb ff1 fs8 fc0 sc0 ls1 ws1\">10,082<span class=\"ffb\"> </span></div></td><td></td></tr><tr><td class=\"c x3ac y21f2 w118 h96\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls6a ws142\">Cumulative<span class=\"_ _0\"></span> gap<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x3ba y21f2 w11d h96\"><div class=\"t m0 x35 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">374,004<span class=\"ffb\"> </span></div></td><td class=\"c x3bb y21f2 wd4 h96\"><div class=\"t m0 x80 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">359,348<span class=\"ffb\"> </span></div></td><td class=\"c x3bc y21f2 w11e h96\"><div class=\"t m0 x22 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">345,497<span class=\"ffb\"> </span></div></td><td class=\"c x3c5 y21f2 w119 h96\"><div class=\"t m0 x113 h25 y829 ff1 fs8 fc0 sc0 ls1 ws1\">355,579<span class=\"ffb\"> </span></div></td><td></td></tr></table>2.4.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls5 ws6\">Int<span class=\"_ _1\"></span>erest ra<span class=\"_ _1\"></span>te profi<span class=\"_ _1\"></span>le</span> </span>At th<span class=\"_ _1\"></span>e end of t<span class=\"_ _1\"></span>he repor<span class=\"_ _1\"></span>ting perio<span class=\"_ _1\"></span>ds t<span class=\"_ _1\"></span>he inter<span class=\"_ _1\"></span>est rat<span class=\"_ _1\"></span>e profile of t<span class=\"_ _1\"></span>he Grou<span class=\"_ _1\"></span>p\u2019s i<span class=\"_ _1\"></span>nterest<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws65\">bearing fina<span class=\"_ _1\"></span>ncial </span></span>inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s was:<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><table class=\"s w230 h1e3\" id=\"_54bf1e3b-cd24-4211-91b4-bbdfa11ca827\"><tr><td class=\"c x3c7 y21f3 w125 h96\"><div class=\"t m0 x6d h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3c8 y21f3 wa3 h96\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">              <span class=\"ls27 ws97\">Fixed rat<span class=\"_ _1\"></span>e</span><span class=\"ffa ws1\"> </span></div></td><td></td><td class=\"c x3c9 y21f3 w126 h96\"><div class=\"t m0 xe9 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">                  Variable rate<span class=\"ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3c8 y21f4 w60 h97\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21f4 w127 h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21f4 wa6 h97\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td class=\"c x3cb y21f4 w51 h97\"><div class=\"t m0 x49 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td></tr><tr><td></td><td class=\"c x3c8 y21f5 w60 h96\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3ca y21f5 w127 h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3c9 y21f5 wa6 h96\"><div class=\"t m0 x113 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3cb y21f5 w51 h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x3c7 y21f6 w125 h96\"><div class=\"t m0 x6d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Interest-<span class=\"ws9b\">bearing assets</span><span class=\"ffa\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3c7 y21f7 w125 h97\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Balanc<span class=\"_ _1\"></span>es with Ce<span class=\"_ _1\"></span>ntral Bank<span class=\"_ _1\"></span> of Ma<span class=\"_ _1\"></span>lta and tr<span class=\"_ _1\"></span>easury <span class=\"_ _1\"></span>bills<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y21f7 w60 h97\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">166,130<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21f7 w127 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">138,320<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21f7 wa6 h97\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">8,792<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21f7 w51 h97\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">8,552 </div></td></tr><tr><td class=\"c x3c7 y21f8 w125 h96\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Debt and o<span class=\"_ _1\"></span>ther fix<span class=\"_ _1\"></span>ed inco<span class=\"_ _1\"></span>me inst<span class=\"_ _1\"></span>ruments <span class=\"ls6a ws1\">meas<span class=\"_ _1\"></span>ured at<span class=\"_ _0\"></span>:</span><span class=\"ls6a ws1\"><span class=\"ffb ls1\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3c7 y21f9 w125 h97\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls27 ws98\">FVOC<span class=\"_ _1\"></span>I</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3c8 y21f9 w60 h97\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">170,965<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21f9 w127 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">178,828<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21f9 wa6 h97\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21f9 w51 h97\"><div class=\"t m0 xea h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3c7 y21fa w125 h96\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">  <span class=\"ls4 ws9a\">Amortised co<span class=\"_ _1\"></span>st</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3c8 y21fa w60 h96\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21fa w127 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21fa wa6 h96\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21fa w51 h96\"><div class=\"t m0 xea h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3c7 y21fb w125 h95\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y21fb w60 h95\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">41,429<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21fb w127 h95\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,243<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21fb wa6 h95\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">20,994<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21fb w51 h95\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">18,946 </div></td></tr><tr><td class=\"c x3c7 y21fc w125 h94\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y21fc w60 h94\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">183,705<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21fc w127 h94\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">185,170<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21fc wa6 h94\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">743,646<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21fc w51 h94\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">684,969 </div></td></tr><tr><td></td><td class=\"c x3c8 y21fd w60 h97\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">596,119<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21fd w127 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">550,668<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21fd wa6 h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">773,432<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21fd w51 h97\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">712,467 </div></td></tr><tr><td class=\"c x3c7 y21fe w125 h95\"><div class=\"t m0 x6d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Interest-<span class=\"ls27 ws97\">bear<span class=\"_ _1\"></span>ing liabil<span class=\"_ _1\"></span>ities</span><span class=\"ls27 ws97\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3c7 y21ff w125 h94\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y21ff w60 h94\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">23<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y21ff w127 h94\"><div class=\"t m0 xea h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y21ff wa6 h94\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">313<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y21ff w51 h94\"><div class=\"t m0 x27 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">410 </div></td></tr><tr><td class=\"c x3c7 y2200 w125 h95\"><div class=\"t m0 x6d h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3c8 y2200 w60 h95\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">550,973<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y2200 w127 h95\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">484,266<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y2200 wa6 h95\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">446,426<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y2200 w51 h95\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">422,880 </div></td></tr><tr><td></td><td class=\"c x3c8 y2201 w60 h97\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">550,996<span class=\"ffa\"> </span></div></td><td class=\"c x3ca y2201 w127 h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">484,266<span class=\"ffb\"> </span></div></td><td class=\"c x3c9 y2201 wa6 h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">446,739<span class=\"ffa\"> </span></div></td><td class=\"c x3cb y2201 w51 h97\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">423,290 </div></td></tr></table>2.4.3<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Fair valu<span class=\"_ _1\"></span>e sensitiv<span class=\"_ _1\"></span>ity analysis<span class=\"_ _1\"></span> for fixed rate instrument<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> </span></span>The G<span class=\"_ _0\"></span>roup\u2019s instrum<span class=\"_ _0\"></span>ents ex<span class=\"_ _0\"></span>posing the<span class=\"_ _0\"></span> Bank to fa<span class=\"_ _0\"></span>ir value<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st rate<span class=\"_ _0\"></span> risk consist of<span class=\"_ _0\"></span> quote<span class=\"_ _0\"></span>d debt se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>es measu<span class=\"_ _1\"></span>red at FV<span class=\"_ _1\"></span>OCI (als<span class=\"_ _1\"></span>o refer<span class=\"_ _1\"></span> to no<span class=\"_ _1\"></span>te 6) since t<span class=\"_ _1\"></span>hese ar<span class=\"_ _1\"></span>e fair va<span class=\"_ _1\"></span>lued wit<span class=\"_ _1\"></span>h fair v<span class=\"_ _1\"></span>alue ch<span class=\"_ _1\"></span>anges reco<span class=\"_ _1\"></span>gnis<span class=\"_ _1\"></span>ed in other<span class=\"_ _1\"></span> compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e income.<span class=\"_ _1\"></span> In t<span class=\"_ _1\"></span>his resp<span class=\"_ _1\"></span><span class=\"ls6 ws23\">ect, the fair value sensit<span class=\"_ _1\"></span>ivity <span class=\"ls7 ws4e\">analysis </span></span>for fi<span class=\"_ _1\"></span>xed rate in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments is per<span class=\"_ _1\"></span>formed in<span class=\"_ _1\"></span> respec<span class=\"_ _1\"></span>t of debt fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>s measur<span class=\"_ _1\"></span>ed at FVO<span class=\"_ _1\"></span>CI. An in<span class=\"_ _1\"></span>creas<span class=\"_ _1\"></span>e of 200 basi<span class=\"_ _1\"></span>s poin<span class=\"_ _1\"></span>ts in the yie<span class=\"_ _0\"></span>ld to ma<span class=\"_ _0\"></span>turity of<span class=\"_ _0\"></span> each respe<span class=\"_ _0\"></span>ctive de<span class=\"_ _0\"></span>bt secur<span class=\"_ _0\"></span>ity would le<span class=\"_ _0\"></span>ad to a dec<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> <span class=\"ls6 ws12\">in value o<span class=\"_ _1\"></span>f debt financial </span>inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> measu<span class=\"_ _1\"></span>red at F<span class=\"_ _1\"></span>VO<span class=\"_ _1\"></span>CI amou<span class=\"_ _1\"></span>nting<span class=\"_ _1\"></span> to \u20ac<span class=\"ls6 ws8\">14.1<span class=\"ls1 ws1\"> </span><span class=\"ws1d\">million<span class=\"_ _1\"></span> (202<span class=\"ls1 ws1\">4<span class=\"lsd ws143\">: \u20ac1</span>3.9 </span><span class=\"ws52\">million). L<span class=\"_ _1\"></span>ikewise<span class=\"_ _1\"></span>, a decrease o<span class=\"_ _1\"></span>f </span></span></span>200 basis<span class=\"_ _1\"></span> points in interest rates would<span class=\"_ _1\"></span> lead to an increase in va<span class=\"_ _1\"></span>lue of debt financial inves<span class=\"_ _1\"></span>tments measured at FVO<span class=\"_ _0\"></span>CI amounting to \u20ac<span class=\"ls6 ws8\">15.5<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span><span class=\"ws37\">million<span class=\"_ _1\"></span> (202<span class=\"ls1 ws1\">4<span class=\"lsd ws144\">: \u20ac</span></span></span>15<span class=\"ls1 ws1\">.1 <span class=\"_ _15\"> </span></span><span class=\"ws37\">million)<span class=\"_ _1\"></span>. All other fina<span class=\"_ _1\"></span>ncial inst<span class=\"_ _1\"></span>ruments </span></span>sub<span class=\"_ _1\"></span>ject to<span class=\"_ _1\"></span> fixed in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates a<span class=\"_ _1\"></span>re measur<span class=\"_ _1\"></span>ed at a<span class=\"_ _1\"></span>mortis<span class=\"_ _1\"></span>ed co<span class=\"_ _1\"></span>st.<span class=\"_ _bc\"> </span>2.4.4<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Cash flow s<span class=\"_ _1\"></span>ensitivity<span class=\"_ _1\"></span> analysis for var<span class=\"_ _1\"></span>iable rate inst<span class=\"_ _1\"></span>ruments<span class=\"ls1 ws1\"> </span></span>At the e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> reporting peri<span class=\"_ _0\"></span>od, if i<span class=\"_ _0\"></span>ntere<span class=\"_ _0\"></span>st rates had i<span class=\"_ _0\"></span>ncreased/de<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ased by 250<span class=\"_ _0\"></span> basis points (ass<span class=\"_ _0\"></span>uming a parallel s<span class=\"_ _1\"></span>hift of 250 basis point<span class=\"_ _1\"></span>s in yields) with a<span class=\"_ _1\"></span>ll other variables held co<span class=\"_ _1\"></span>nstant, the pre<span class=\"ls1 ws1\">-<span class=\"lsa ws44\">tax result for the </span></span>year wo<span class=\"_ _0\"></span>uld change<span class=\"_ _0\"></span> by t<span class=\"_ _0\"></span>he fo<span class=\"_ _0\"></span>llowi<span class=\"_ _0\"></span>ng amounts de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ined b<span class=\"_ _0\"></span>y applyi<span class=\"_ _0\"></span>ng the<span class=\"_ _0\"></span> shift t<span class=\"_ _0\"></span>o the<span class=\"_ _0\"></span> net va<span class=\"_ _0\"></span>riable<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st exposure<span class=\"_ _0\"></span> of the G<span class=\"_ _0\"></span>roup/B<span class=\"_ _0\"></span>ank at the e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> report<span class=\"_ _0\"></span>ing periods:<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span><table class=\"s w231 h1e4\" id=\"_07a34cb0-e406-4e1a-8bbb-6ca086ea274c\"><tr><td class=\"c x2f8 y2202 w118 hd5\"><div class=\"t m0 xd h15 y3eb ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cc y2202 wbc hd5\"><div class=\"t m0 x26 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30e y2202 wa5 hd5\"><div class=\"t m0 x26 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3cc y2203 wbc hd5\"><div class=\"t m0 x35 h15 y94f ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30e y2203 wa5 hd5\"><div class=\"t m0 x35 h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y2204 w118 hd5\"><div class=\"t m0 xd h15 y94f ff3 fs1 fc0 sc0 ls6 ws7\">(+) 250 bp <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cc y2204 wbc hd5\"><div class=\"t m0 x35 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">8,167<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30e y2204 wa5 hd5\"><div class=\"t m0 x35 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">7,229<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y2205 w118 hd5\"><div class=\"t m0 xd h9 y94f ff3 fs1 fc0 sc0 ls1 ws1\">(-<span class=\"ls6 ws7\">) 250 bp</span><span class=\"ls6 ws7\"> </span><span class=\"ffb\"> </span></div></td><td class=\"c x3cc y2205 wbc hd5\"><div class=\"t m0 xcb h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">(8,167)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30e y2205 wa5 hd5\"><div class=\"t m0 xcb h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">(7,229)<span class=\"ls1 ws1\"> </span></div></td></tr></table>2.4.5<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"lsa ws44\">Currency risk</span> </span>The Grou<span class=\"_ _1\"></span>p tak<span class=\"_ _1\"></span>es on ex<span class=\"_ _1\"></span>posu<span class=\"_ _1\"></span>re to the effect<span class=\"_ _1\"></span>s of flu<span class=\"_ _1\"></span>ctuat<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> in the p<span class=\"_ _1\"></span>revai<span class=\"_ _1\"></span>ling for<span class=\"_ _1\"></span>eign cur<span class=\"_ _1\"></span>rency ex<span class=\"_ _1\"></span>chang<span class=\"_ _1\"></span>e rates<span class=\"_ _1\"></span> on its fin<span class=\"_ _1\"></span>ancial positio<span class=\"_ _1\"></span>n and cash flows pa<span class=\"_ _1\"></span>rticularly within the Ban<span class=\"_ _1\"></span>k\u2019s operation<span class=\"_ _1\"></span>s. Foreign exchan<span class=\"_ _1\"></span>ge risk to the Bank i<span class=\"_ _0\"></span>s the risk t<span class=\"_ _0\"></span>hat earni<span class=\"_ _0\"></span>ngs and<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">values flu<span class=\"_ _1\"></span>ctuat<span class=\"_ _1\"></span>e as a resu<span class=\"_ _1\"></span>lt of ch<span class=\"_ _1\"></span>anges<span class=\"_ _1\"></span> in foreig<span class=\"_ _1\"></span>n exc<span class=\"_ _1\"></span>han<span class=\"_ _1\"></span>ge rates<span class=\"_ _1\"></span>. The </span></span>Bank\u2019s fo<span class=\"_ _1\"></span>reign exchange risk<span class=\"_ _1\"></span> arises when fina<span class=\"_ _1\"></span>ncial ass<span class=\"_ _1\"></span>ets or liabilities are denomin<span class=\"_ _1\"></span>ated in curren<span class=\"_ _1\"></span>cies which are dif<span class=\"_ _0\"></span>ferent<span class=\"_ _0\"></span> from the B<span class=\"_ _0\"></span>ank\u2019s func<span class=\"_ _0\"></span>tional cur<span class=\"_ _0\"></span>rency.<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank essenti<span class=\"_ _0\"></span>ally ma<span class=\"_ _0\"></span>nages this risk by e<span class=\"_ _0\"></span>nsuring<span class=\"_ _0\"></span> that for<span class=\"_ _0\"></span>eign c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>y liabili<span class=\"_ _0\"></span>ties ar<span class=\"_ _0\"></span>e utili<span class=\"_ _0\"></span>sed to fund assets<span class=\"_ _0\"></span> denomina<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> same foreign c<span class=\"_ _0\"></span>urrency the<span class=\"_ _0\"></span>reby matching asse<span class=\"_ _0\"></span>t and liabi<span class=\"_ _0\"></span>lity positi<span class=\"_ _11\"></span>ons as much as is practicab<span class=\"_ _1\"></span>le.  This mech<span class=\"_ _1\"></span>anism is refl<span class=\"_ _1\"></span>ected<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls8 ws33\">in the figures repor<span class=\"_ _0\"></span>ted in the<span class=\"_ _0\"></span> tables be<span class=\"_ _0\"></span>low which pre<span class=\"_ _0\"></span>sent this </span></span>matching pro<span class=\"_ _1\"></span>cess. <span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank mainta<span class=\"_ _0\"></span>ins its exposu<span class=\"_ _0\"></span>re t<span class=\"_ _0\"></span>o fore<span class=\"_ _0\"></span>ign curr<span class=\"_ _0\"></span>encies w<span class=\"_ _0\"></span>ithin pre<span class=\"_ _0\"></span>scribe<span class=\"_ _0\"></span>d limi<span class=\"_ _0\"></span>ts set by the B<span class=\"_ _0\"></span>ank\u2019s ALC<span class=\"_ _0\"></span>O.  ALC<span class=\"_ _0\"></span>O sets lim<span class=\"_ _0\"></span>its on the l<span class=\"_ _0\"></span>evel o<span class=\"_ _0\"></span>f exposure by c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>y and in agg<span class=\"_ _0\"></span>regate<span class=\"_ _0\"></span> for bo<span class=\"_ _0\"></span>th overnig<span class=\"_ _0\"></span>ht and int<span class=\"_ _0\"></span>ra<span class=\"ls1 ws1\">-</span>day positi<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span> which are m<span class=\"_ _0\"></span>onitored on a real<span class=\"ls1\">-<span class=\"ls5 ws6\">time bas<span class=\"_ _1\"></span><span class=\"ls6 ws8\">is.</span></span> </span>The Ban<span class=\"_ _1\"></span>k enters<span class=\"_ _1\"></span> into<span class=\"_ _1\"></span> forward<span class=\"_ _1\"></span> foreign ex<span class=\"_ _1\"></span>chang<span class=\"_ _1\"></span>e contr<span class=\"_ _1\"></span>acts wit<span class=\"_ _1\"></span>h cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span> in the no<span class=\"_ _1\"></span>rmal cours<span class=\"_ _1\"></span>e of its<span class=\"_ _1\"></span> busin<span class=\"_ _1\"></span>ess. Generally, it<span class=\"_ _1\"></span> is the Ba<span class=\"_ _1\"></span>nk\u2019s po<span class=\"_ _1\"></span>licy to cover th<span class=\"_ _1\"></span>e exposure aris<span class=\"_ _1\"></span>ing from forward<span class=\"_ _1\"></span> contra<span class=\"_ _1\"></span>cts. As a res<span class=\"_ _1\"></span>ult, the Gr<span class=\"_ _0\"></span>oup would not <span class=\"ws16\">be <span class=\"_ _10\"> </span><span class=\"ls6 ws10\">expos<span class=\"_ _1\"></span>ed to any s<span class=\"_ _1\"></span>ignificant excha<span class=\"_ _1\"></span>nge risk<span class=\"_ _1\"></span> in respect<span class=\"_ _1\"></span> of outsta<span class=\"_ _1\"></span>nding deriv<span class=\"_ _1\"></span>ative </span></span>financial instrume<span class=\"_ _0\"></span>nts. The Bank also retains a deposit margin cove<span class=\"_ _0\"></span>ring a portion of the notional amount of the res<span class=\"_ _1\"></span>pectiv<span class=\"_ _1\"></span>e contr<span class=\"_ _1\"></span>act fro<span class=\"_ _1\"></span>m the cu<span class=\"_ _1\"></span>sto<span class=\"_ _1\"></span>mer thereb<span class=\"_ _1\"></span>y redu<span class=\"_ _1\"></span>cing th<span class=\"_ _1\"></span>e extent<span class=\"_ _1\"></span> o<span class=\"ls6 ws23\">f credit risk s<span class=\"_ _1\"></span>hould t</span>he d<span class=\"_ _1\"></span>erivat<span class=\"_ _1\"></span>ive clie<span class=\"_ _0\"></span>nt default. T<span class=\"_ _0\"></span>he Bank did not have any o<span class=\"_ _0\"></span>utstanding<span class=\"_ _0\"></span> derivat<span class=\"_ _0\"></span>ive fi<span class=\"_ _0\"></span>nancial i<span class=\"_ _0\"></span>nstrume<span class=\"_ _0\"></span>nts as at 31 Decembe<span class=\"_ _0\"></span>r 202<span class=\"ls1 ws1\">5 </span><span class=\"ws7\">and 202<span class=\"ls1 ws1\">4.<span class=\"_ _bc\"> </span></span></span>The f<span class=\"_ _0\"></span>ollowing t<span class=\"_ _0\"></span>ables summ<span class=\"_ _0\"></span>arise<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019s ex<span class=\"_ _0\"></span>posures<span class=\"_ _0\"></span> to f<span class=\"_ _0\"></span>oreig<span class=\"_ _0\"></span>n curre<span class=\"_ _0\"></span>ncy risk. I<span class=\"_ _0\"></span>ncluded<span class=\"_ _0\"></span> in t<span class=\"_ _0\"></span>he table<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019s financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>hich are subje<span class=\"_ _0\"></span>ct to fore<span class=\"_ _0\"></span>ign exchange r<span class=\"_ _0\"></span>isk at carrying<span class=\"_ _0\"></span> amounts, categ<span class=\"_ _0\"></span>orised by c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>y.<span class=\"ls1 ws1\"> </span><table class=\"s w232 h1e5\" id=\"_947041cd-deed-45c7-b0e8-cca933f0f396\"><tr><td class=\"c x2f8 y2206 w12a h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cd y2206 w12b h96\"><div class=\"t m0 x1d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2206 we6 h96\"><div class=\"t m0 x22 h35 y3eb ffd fs8 fc0 sc0 ls6a ws10c\">EUR<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x338 y2206 we6 h96\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">GBP<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2206 w12c h96\"><div class=\"t m0 x90 h35 y3eb ffd fs8 fc0 sc0 ls27 ws98\">USD<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x30c y2206 w12d h96\"><div class=\"t m0 xe1 h29 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">Other<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3cd y2207 w12b h96\"><div class=\"t m0 xcb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3ce y2207 we6 h96\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x338 y2207 we6 h96\"><div class=\"t m0 xd4 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3cf y2207 w12c h96\"><div class=\"t m0 xe1 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x30c y2207 w12d h96\"><div class=\"t m0 x34 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y2208 w12a h97\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y2209 w12a h97\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x270 y220b w1cb h1e6\"><div class=\"t m0 x26e h25 y220a ff1 fs8 fc0 sc0 ls2a ws99\">Balances with Central B<span class=\"_ _1\"></span>ank of Malta,<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls29 ws98\">treasury <span class=\"_ _1\"></span>bills and c<span class=\"_ _1\"></span>ash<span class=\"_ _bc\"> </span></div></td><td class=\"c x3cd y220c w12b h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">182,564<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y220c we6 h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">182,039<span class=\"ffa\"> </span></div></td><td class=\"c x338 y220c we6 h97\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">179<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y220c w12c h97\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">316<span class=\"ffa\"> </span></div></td><td class=\"c x30c y220c w12d h97\"><div class=\"t m0 x26 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">30 </div></td></tr><tr><td class=\"c x2f8 y220d w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial i<span class=\"ls29 ws9a\">nve<span class=\"_ _1\"></span>stments<span class=\"ls1 ws1\"> <span class=\"ls6a\">measured <span class=\"_ _1\"></span>at FVOCI</span></span></span><span class=\"ls29 ws9a\"><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x3cd y220d w12b h96\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">179,246<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y220d we6 h96\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">173,240<span class=\"ffa\"> </span></div></td><td class=\"c x338 y220d we6 h96\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,796<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y220d w12c h96\"><div class=\"t m0 x34 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,210<span class=\"ffa\"> </span></div></td><td class=\"c x30c y220d w12d h96\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y220e w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial i<span class=\"ls29 ws9a\">nve<span class=\"_ _1\"></span>stments<span class=\"ls1 ws1\"> <span class=\"ls6a ws142\">measured at </span></span><span class=\"ls4\">amorti<span class=\"_ _1\"></span>sed cost</span></span><span class=\"ls29 ws9a\"><span class=\"ls4\"><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x3cd y220e w12b h97\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">33,890<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y220e we6 h97\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">23,832<span class=\"ffa\"> </span></div></td><td class=\"c x338 y220e we6 h97\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,393<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y220e w12c h97\"><div class=\"t m0 x34 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">6,665<span class=\"ffa\"> </span></div></td><td class=\"c x30c y220e w12d h97\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y220f w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y220f w12b h96\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">62,423<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y220f we6 h96\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">22,711<span class=\"ffa\"> </span></div></td><td class=\"c x338 y220f we6 h96\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">5,839<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y220f w12c h96\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">31,998<span class=\"ffa\"> </span></div></td><td class=\"c x30c y220f w12d h96\"><div class=\"t m0 xdb h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,875 </div></td></tr><tr><td class=\"c x2f8 y2210 w12a h95\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2210 w12b h95\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">929,111<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2210 we6 h95\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">925,064<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2210 we6 h95\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">3,156<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2210 w12c h95\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">891<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2210 w12d h95\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2211 w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Other ass<span class=\"_ _1\"></span>ets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2211 w12b h94\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">19,134<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2211 we6 h94\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">17,680<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2211 we6 h94\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">167<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2211 w12c h94\"><div class=\"t m0 x113 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">940<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2211 w12d h94\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">347 </div></td></tr><tr><td class=\"c x2f8 y2212 w12a h113\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l asse<span class=\"_ _1\"></span>ts<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cd y2212 w12b h113\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,406,368<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2212 we6 h113\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,344,566<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2212 we6 h113\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,530<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2212 w12c h113\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">44,020<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2212 w12d h113\"><div class=\"t m0 xdb h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,252 </div></td></tr><tr><td class=\"c x2f8 y2213 w12a h97\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l liab<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y2214 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2214 w12b h96\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">345<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2214 we6 h96\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">345<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2214 we6 h96\"><div class=\"t m0 x69 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2214 w12c h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2214 w12d h96\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2215 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2215 w12b h97\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,207,256<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2215 we6 h97\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,147,688<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2215 we6 h97\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,367<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2215 w12c h97\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">42,612<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2215 w12d h97\"><div class=\"t m0 xdb h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,589 </div></td></tr><tr><td class=\"c x2f8 y2216 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Other liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2216 w12b h96\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">48,400<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2216 we6 h96\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">46,117<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2216 we6 h96\"><div class=\"t m0 x26 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">302<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2216 w12c h96\"><div class=\"t m0 x34 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,482<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2216 w12d h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">499 </div></td></tr><tr><td class=\"c x2f8 y2217 w12a h94\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l liabi<span class=\"_ _1\"></span>litie<span class=\"_ _1\"></span>s<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3cd y2217 w12b h94\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,256,001<span class=\"ffa\"> </span></div></td><td class=\"c x3ce y2217 we6 h94\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,194,150<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2217 we6 h94\"><div class=\"t m0 xdb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">15,669<span class=\"ffa\"> </span></div></td><td class=\"c x3cf y2217 w12c h94\"><div class=\"t m0 x107 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">44,094<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2217 w12d h94\"><div class=\"t m0 xdb h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,088 </div></td></tr><tr><td class=\"c x2f8 y2218 w12a h96\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls29 ws98\">Net curr<span class=\"_ _1\"></span>ency posit<span class=\"_ _1\"></span>ion<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ce y2218 we6 h96\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">150,416<span class=\"ffa\"> </span></div></td><td class=\"c x338 y2218 we6 h96\"><div class=\"t m0 x22 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(1<span class=\"ls1 ws1\">39</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x3cf y2218 w12c h96\"><div class=\"t m0 x33 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(74)<span class=\"ffa\"> </span></div></td><td class=\"c x30c y2218 w12d h96\"><div class=\"t m0 x1d h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">164 </div></td></tr><tr><td class=\"c x2f8 y2219 w12a h96\"><div class=\"t m0 xd h29 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">Commitments and contingent liabilities<span class=\"_ _bc\"> </span></div></td><td class=\"c x3cd y2219 w12b h96\"><div class=\"t m0 xdf h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">377,704</div></td><td class=\"c x3ce y2219 we6 h96\"><div class=\"t m0 xdf h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">377,704<span class=\"_ _bc\"> </span></div></td><td class=\"c x338 y2219 we6 h96\"><div class=\"t m0 x69 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x3cf y2219 w12c h96\"><div class=\"t m0 x4f h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x30c y2219 w12d h96\"><div class=\"t m0 xd8 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr></table><table class=\"s w232 h1e7\" id=\"_b02f7767-58a6-4a5a-bd2f-1772e21eec4e\"><tr><td class=\"c x2f8 y221a w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Group<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y221a w12b h94\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ce y221a we6 h94\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls2a ws10d\">EUR<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x338 y221a we6 h94\"><div class=\"t m0 x22 h25 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">GBP<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cf y221a w12c h94\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls27 ws98\">USD<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x30c y221a w12d h94\"><div class=\"t m0 xf3 h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">Other<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3cd y221b w12b h95\"><div class=\"t m0 xcb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3ce y221b we6 h95\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x338 y221b we6 h95\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x3cf y221b w12c h95\"><div class=\"t m0 xe1 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x30c y221b w12d h95\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x2f8 y221c w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 2024<span class=\"ffb ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y221d w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Financial a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x270 y221f w1cb h1e8\"><div class=\"t m0 x26e h25 y221e ff1 fs8 fc0 sc0 ls2a ws99\">Balances with Central B<span class=\"_ _1\"></span>ank of Malta,<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26f h25 y1d62 ff1 fs8 fc0 sc0 ls29 ws98\">treasury <span class=\"_ _1\"></span>bills and c<span class=\"_ _1\"></span>ash<span class=\"_ _bc\"> </span></div></td><td class=\"c x3cd y2220 w12b h96\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">154,480<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2220 we6 h96\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">132,038<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2220 we6 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">202<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2220 w12c h96\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">22,210<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2220 w12d h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">30 </div></td></tr><tr><td class=\"c x2f8 y2221 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Financial investme<span class=\"_ _0\"></span>nts measured at FVOCI <span class=\"ffb ls1\"> </span></div></td><td class=\"c x3cd y2221 w12b h97\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">187,003<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2221 we6 h97\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">177,187<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2221 we6 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">4,024<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2221 w12c h97\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">5,792<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2221 w12d h97\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2222 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls6a ws1\">Financial investme<span class=\"_ _0\"></span>nts measured at amortised cost<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3cd y2222 w12b h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">21,107<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2222 we6 h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">13,627<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2222 we6 h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2222 w12c h96\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">7,480<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2222 w12d h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2223 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2223 w12b h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">46,189<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2223 we6 h97\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">9,346<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2223 we6 h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">18,888<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2223 w12c h97\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">15,987<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2223 w12d h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,968 </div></td></tr><tr><td class=\"c x2f8 y2224 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Loa<span class=\"_ _1\"></span>ns and advanc<span class=\"_ _1\"></span>es to cus<span class=\"_ _1\"></span>tomers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2224 w12b h96\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">872,682<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2224 we6 h96\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">868,368<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2224 we6 h96\"><div class=\"t m0 x33 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3,727<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2224 w12c h96\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">587<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2224 w12d h96\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x2f8 y2225 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">Other ass<span class=\"_ _1\"></span>ets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2225 w12b h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">16,074<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2225 we6 h97\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">12,591<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2225 we6 h97\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">380<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2225 w12c h97\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,252<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2225 w12d h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">851 </div></td></tr><tr><td class=\"c x2f8 y2226 w12a hd4\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial assets<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2226 w12b hd4\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,297,535<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2226 we6 hd4\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,213,157<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2226 we6 hd4\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,221<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2226 w12c hd4\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">54,308<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2226 w12d hd4\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,849 </div></td></tr><tr><td class=\"c x2f8 y2227 w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws9e\">Financial liabil<span class=\"_ _1\"></span>ities<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2f8 y2228 w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2228 w12b h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">438<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2228 we6 h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">424<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2228 we6 h96\"><div class=\"t m0 x69 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2228 w12c h96\"><div class=\"t m0 x4f h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2228 w12d h96\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">14 </div></td></tr><tr><td class=\"c x2f8 y2229 w12a h95\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y2229 w12b h95\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,120,006<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y2229 we6 h95\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,039,443<span class=\"ffb\"> </span></div></td><td class=\"c x338 y2229 we6 h95\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,058<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y2229 w12c h95\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">51,553<span class=\"ffb\"> </span></div></td><td class=\"c x30c y2229 w12d h95\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,952 </div></td></tr><tr><td class=\"c x2f8 y222a w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Other liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y222a w12b h94\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">41,600<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y222a we6 h94\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">39,623<span class=\"ffb\"> </span></div></td><td class=\"c x338 y222a we6 h94\"><div class=\"t m0 x26 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">273<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y222a w12c h94\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,234<span class=\"ffb\"> </span></div></td><td class=\"c x30c y222a w12d h94\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">470 </div></td></tr><tr><td class=\"c x2f8 y222b w12a h96\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y222b w12b h96\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,162,044<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y222b we6 h96\"><div class=\"t m0 x7d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,079,490<span class=\"ffb\"> </span></div></td><td class=\"c x338 y222b we6 h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">27,331<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y222b w12c h96\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">52,787<span class=\"ffb\"> </span></div></td><td class=\"c x30c y222b w12d h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2,436 </div></td></tr><tr><td class=\"c x2f8 y222c w12a h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">Net curr<span class=\"_ _1\"></span>ency positi<span class=\"_ _1\"></span>on<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ce y222c we6 h97\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">133,667<span class=\"ffb\"> </span></div></td><td class=\"c x338 y222c we6 h97\"><div class=\"t m0 x107 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">       <span class=\"ws1\">(110)<span class=\"ffb\"> </span></span></div></td><td class=\"c x3cf y222c w12c h97\"><div class=\"t m0 x34 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,521<span class=\"ffb\"> </span></div></td><td class=\"c x30c y222c w12d h97\"><div class=\"t m0 x1d h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">413 </div></td></tr><tr><td class=\"c x2f8 y222d w12a h94\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Commitments an<span class=\"_ _1\"></span>d contingent lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3cd y222d w12b h94\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">311,392<span class=\"ffb\"> </span></div></td><td class=\"c x3ce y222d we6 h94\"><div class=\"t m0 xdf h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">310,859<span class=\"ffb\"> </span></div></td><td class=\"c x338 y222d we6 h94\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">3<span class=\"ffb\"> </span></div></td><td class=\"c x3cf y222d w12c h94\"><div class=\"t m0 x113 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">530<span class=\"ffb\"> </span></div></td><td class=\"c x30c y222d w12d h94\"><div class=\"t m0 xd8 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">- </div></td></tr></table>Under the<span class=\"_ _0\"></span> scenario t<span class=\"_ _0\"></span>hat the euro appr<span class=\"_ _0\"></span>eciat<span class=\"_ _0\"></span>es by 20% against all c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>ies the effe<span class=\"_ _0\"></span>ct would re<span class=\"_ _0\"></span>sult in a decrease of \u20ac10,<span class=\"_ _1\"></span>000 (2024: <span class=\"_ _1\"></span>\u20ac365,000<span class=\"_ _1\"></span>) in the carryin<span class=\"_ _1\"></span>g amoun<span class=\"_ _1\"></span>t of financial in<span class=\"_ _1\"></span>struments wit<span class=\"_ _1\"></span>h the advers<span class=\"_ _1\"></span>e impact recognis<span class=\"_ _1\"></span>ed in profit or los<span class=\"_ _1\"></span>s. Should the eu<span class=\"ls5 ws1e\">ro dep<span class=\"_ _1\"></span>reciat<span class=\"_ _1\"></span>e agains<span class=\"_ _1\"></span>t all cur<span class=\"_ _1\"></span>rencies<span class=\"_ _1\"></span> by 20%, th<span class=\"_ _1\"></span>e effect </span>would resu<span class=\"_ _1\"></span>lt in a gain o<span class=\"_ _1\"></span>f \u20ac10,000 (2024: \u20ac<span class=\"_ _1\"></span>365,000) in th<span class=\"_ _1\"></span>e carryin<span class=\"_ _1\"></span>g amount of finan<span class=\"_ _1\"></span>cial instru<span class=\"_ _1\"></span>ments and<span class=\"_ _1\"></span> the favourab<span class=\"_ _1\"></span>le impact would b<span class=\"_ _1\"></span>e recognised<span class=\"_ _1\"></span> in profit or lo<span class=\"_ _1\"></span>ss.<span class=\"_ _bc\"> </span>2.4.6<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws7\">Equi<span class=\"_ _1\"></span>ty price risk<span class=\"ls1 ws1\"> </span></span> <span class=\"_ _24\"> </span><span class=\"ls8 ws3a\">The expo<span class=\"_ _0\"></span>sure of t<span class=\"_ _0\"></span>he Group t<span class=\"_ _11\"></span>o this risk is<span class=\"_ _0\"></span> not si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant in<span class=\"_ _0\"></span> view<span class=\"_ _0\"></span> of the e<span class=\"_ _0\"></span>xtent<span class=\"_ _0\"></span> of t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up\u2019s holdi<span class=\"_ _0\"></span>ngs of<span class=\"_ _11\"></span> </span>equity inve<span class=\"_ _0\"></span>stment<span class=\"_ _0\"></span>s designate<span class=\"_ _11\"></span>d at FVOCI (re<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>r to note 6<span class=\"_ _0\"></span>) which ar<span class=\"_ _0\"></span>e not dee<span class=\"_ _0\"></span>med si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant in the co<span class=\"_ _0\"></span>ntext<span class=\"_ _0\"></span> of the Gr<span class=\"_ _1\"></span>oup\u2019<span class=\"_ _1\"></span>s stat<span class=\"_ _1\"></span>ement of fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l pos<span class=\"_ _1\"></span>it<span class=\"ls8 ws36\">ion. These<span class=\"_ _0\"></span> inve<span class=\"_ _0\"></span>stments ar<span class=\"_ _0\"></span>e princ<span class=\"_ _0\"></span>ipally l<span class=\"_ _0\"></span>ocall<span class=\"_ _0\"></span>y quoted e<span class=\"_ _0\"></span>quity </span>instru<span class=\"_ _1\"></span>ments issu<span class=\"_ _1\"></span>ed by local well<span class=\"ls1 ws1\">-<span class=\"ls5 ws68\">known<span class=\"_ _1\"></span> corpo<span class=\"_ _1\"></span>rates<span class=\"_ _1\"></span>. Freq<span class=\"_ _1\"></span>uent ma<span class=\"_ _1\"></span>nagem<span class=\"_ _1\"></span>ent rev<span class=\"_ _1\"></span>iews a<span class=\"_ _1\"></span>re carried<span class=\"_ _1\"></span> out t<span class=\"_ _1\"></span>o </span></span>ensure c<span class=\"_ _0\"></span>ontinued hi<span class=\"_ _0\"></span>gh quality<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> portfol<span class=\"_ _0\"></span>io.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-16": {
   "value": "2.<span class=\"ls1 ws1\"> <span class=\"_ _a0\"> </span><span class=\"ls71 ws116\">Finan<span class=\"_ _1\"></span>cial ris<span class=\"_ _1\"></span>k managem<span class=\"_ _1\"></span>ent <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"ls1 ws1\"> </span></span></span></span>2.5 <span class=\"ls1 ws1\"> <span class=\"_ _51\"> </span></span><span class=\"ws7\">L<span class=\"_ _1\"></span>iquidity r<span class=\"_ _1\"></span>isk<span class=\"ls1 ws1\"> </span></span>Liquidity r<span class=\"_ _0\"></span>isk is de<span class=\"_ _0\"></span>fine<span class=\"_ _0\"></span>d as the <span class=\"_ _0\"></span>risk of l<span class=\"_ _0\"></span>osses due<span class=\"_ _0\"></span> to:<span class=\"ls1 ws1\"> </span>- <span class=\"_ _3c\"> </span><span class=\"ls8 wsa\">the Group\u2019s funding<span class=\"_ _0\"></span> costs i<span class=\"_ _0\"></span>ncreasi<span class=\"_ _0\"></span>ng disproport<span class=\"_ _0\"></span>ionatel<span class=\"_ _0\"></span>y;<span class=\"ls1 ws1\"> </span></span>- <span class=\"_ _3c\"> </span><span class=\"ls8 wsa\">lack of funding pr<span class=\"_ _0\"></span>eventi<span class=\"_ _0\"></span>ng the G<span class=\"_ _0\"></span>roup fro<span class=\"_ _0\"></span>m establ<span class=\"_ _0\"></span>ishing ne<span class=\"_ _0\"></span>w business; an<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\"> </span></span>- <span class=\"_ _3c\"> </span><span class=\"ls6 ws7\">la<span class=\"_ _1\"></span>ck of funding wh<span class=\"_ _1\"></span>ich will ulti<span class=\"_ _1\"></span>mately prevent th<span class=\"_ _1\"></span>e Group from me<span class=\"_ _1\"></span>eting its ob<span class=\"_ _1\"></span>ligations.</span> In relat<span class=\"_ _0\"></span>ion to the<span class=\"_ _0\"></span> Bank\u2019s o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>ations, liqui<span class=\"_ _11\"></span>dity risk is the<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span> that the B<span class=\"_ _0\"></span>ank i<span class=\"_ _0\"></span>s unable<span class=\"_ _0\"></span> to m<span class=\"_ _0\"></span>eet i<span class=\"_ _0\"></span>ts obligat<span class=\"_ _0\"></span>ions when the<span class=\"_ _0\"></span>y fall due as a<span class=\"_ _0\"></span> result of cust<span class=\"_ _0\"></span>omer deposi<span class=\"_ _0\"></span>ts being w<span class=\"_ _0\"></span>ithdrawn, c<span class=\"_ _0\"></span>ash require<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts from contr<span class=\"_ _0\"></span>actual commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span>, or ot<span class=\"_ _1\"></span>her cash<span class=\"_ _1\"></span> outflows<span class=\"_ _1\"></span>. Th<span class=\"ls6 ws19\">e Group is<span class=\"_ _1\"></span> exposed to daily calls on its availa<span class=\"_ _1\"></span>ble cash resources </span>from o<span class=\"_ _0\"></span>vernight<span class=\"_ _0\"></span> deposits, c<span class=\"_ _0\"></span>urre<span class=\"_ _0\"></span>nt and call<span class=\"_ _0\"></span> deposit<span class=\"_ _0\"></span>s, ma<span class=\"_ _0\"></span>turing t<span class=\"_ _0\"></span>erm de<span class=\"_ _0\"></span>posits, loan<span class=\"_ _0\"></span> dr<span class=\"_ _0\"></span>aw<span class=\"ls1 ws1\">-</span>dow<span class=\"_ _0\"></span>ns and guara<span class=\"_ _1\"></span>ntees t<span class=\"_ _1\"></span>ogeth<span class=\"_ _1\"></span>er with ot<span class=\"_ _1\"></span>her rela<span class=\"_ _1\"></span>ted off<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws62\">balance<span class=\"_ _0\"></span> sheet instrum<span class=\"_ _0\"></span>ents. S<span class=\"_ _0\"></span>uch outf<span class=\"_ _0\"></span>lows w<span class=\"_ _0\"></span>ould depl<span class=\"_ _0\"></span><span class=\"ls5 ws7\">ete </span></span></span>availab<span class=\"_ _1\"></span>le cash resources for client lend<span class=\"_ _1\"></span>ing and inves<span class=\"_ _1\"></span>tments. In extreme circumstan<span class=\"_ _1\"></span>ces, lack of liquid<span class=\"_ _1\"></span>ity could result in s<span class=\"_ _1\"></span>ales of ass<span class=\"_ _1\"></span>ets, or potentially a<span class=\"_ _1\"></span>n inabilit<span class=\"_ _1\"></span>y to fulfil lendin<span class=\"_ _1\"></span>g commitment<span class=\"_ _1\"></span>s. The risk th<span class=\"_ _1\"></span>at the Group will be unabl<span class=\"_ _1\"></span>e to do so is<span class=\"_ _1\"></span> inhe<span class=\"ls8 ws3c\">rent i<span class=\"_ _0\"></span>n all banking<span class=\"_ _0\"></span> operati<span class=\"_ _0\"></span>ons and can be<span class=\"_ _0\"></span> aff<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d by a rang<span class=\"_ _0\"></span>e of<span class=\"_ _0\"></span> institution<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></span>speci<span class=\"_ _1\"></span>fic and<span class=\"_ _1\"></span> market<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws17\">wide events i<span class=\"_ _0\"></span>ncluding,<span class=\"_ _0\"></span> but not li<span class=\"_ _0\"></span>mite<span class=\"_ _0\"></span>d to, cre<span class=\"_ _0\"></span>dit eve<span class=\"_ _0\"></span>nts, system<span class=\"_ _0\"></span>ic shocks and nat<span class=\"_ _0\"></span>ural </span></span>disaste<span class=\"_ _0\"></span>rs.<span class=\"_ _bc\"> </span>The obje<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> Group\u2019s<span class=\"_ _0\"></span> li<span class=\"_ _0\"></span>quidity an<span class=\"_ _0\"></span>d fundi<span class=\"_ _0\"></span>ng manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt is to en<span class=\"_ _0\"></span>sure t<span class=\"_ _0\"></span>hat all<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>esee<span class=\"_ _0\"></span>able f<span class=\"_ _0\"></span>unding commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> and d<span class=\"_ _1\"></span>eposi<span class=\"_ _1\"></span>t withdra<span class=\"_ _1\"></span>wals ca<span class=\"_ _1\"></span>n be met when<span class=\"_ _1\"></span> due. It i<span class=\"_ _1\"></span>s the Ban<span class=\"_ _1\"></span>k\u2019s target t<span class=\"_ _1\"></span>o mainta<span class=\"_ _1\"></span>in a diver<span class=\"_ _1\"></span>sified and stable<span class=\"_ _0\"></span> funding<span class=\"_ _0\"></span> base w<span class=\"_ _0\"></span>ith <span class=\"_ _0\"></span>the obje<span class=\"_ _0\"></span>ctive of<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 ws17\">enabl<span class=\"_ _0\"></span>ing it to<span class=\"_ _0\"></span> re<span class=\"_ _0\"></span>spond quick<span class=\"_ _0\"></span>ly and<span class=\"_ _0\"></span> smoothl<span class=\"_ _0\"></span>y to <span class=\"_ _0\"></span>unfore<span class=\"_ _0\"></span>seen </span></span>liquidity r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup manage<span class=\"_ _0\"></span>s this risk b<span class=\"_ _0\"></span>y ensuring<span class=\"_ _0\"></span> that it<span class=\"_ _0\"></span>s assets and l<span class=\"_ _11\"></span>iabilities are<span class=\"_ _0\"></span> matche<span class=\"_ _0\"></span>d in term<span class=\"_ _0\"></span>s of matur<span class=\"_ _0\"></span>ities as much as is <span class=\"_ _0\"></span>practi<span class=\"_ _0\"></span>cable.<span class=\"_ _0\"></span> However,<span class=\"_ _0\"></span> the Bank o<span class=\"_ _0\"></span>ught to<span class=\"_ _0\"></span> manag<span class=\"_ _0\"></span>e its ne<span class=\"_ _0\"></span>t inter<span class=\"_ _0\"></span>est spre<span class=\"_ _0\"></span>ad by in<span class=\"_ _0\"></span>vesting<span class=\"_ _0\"></span> funds i<span class=\"_ _0\"></span>n a port<span class=\"_ _1\"></span>folio of a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s with<span class=\"_ _1\"></span> a longer ter<span class=\"_ _1\"></span>m t<span class=\"ls6 wsd\">han th<span class=\"_ _1\"></span>e liabilities fu<span class=\"_ _1\"></span>nding th<span class=\"_ _1\"></span>em (therefore giving <span class=\"_ _1\"></span>rise to a n<span class=\"_ _1\"></span>egative </span>maturity ga<span class=\"_ _1\"></span>p position).  To mitigate expo<span class=\"_ _1\"></span>sures aris<span class=\"_ _1\"></span>ing in this respect, the Bank holds s<span class=\"_ _1\"></span>ignificant liqu<span class=\"_ _1\"></span>id assets in th<span class=\"_ _1\"></span>e form of <span class=\"_ _1\"></span>Malta Go<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>nment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry bill<span class=\"_ _1\"></span>s, mon<span class=\"_ _1\"></span>ey mark<span class=\"_ _1\"></span>et place<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> a<span class=\"ls8 ws117\">nd other short<span class=\"ls1 ws1\">-</span></span><span class=\"ws7\">term </span>instrume<span class=\"_ _0\"></span>nts for m<span class=\"_ _0\"></span>anaging l<span class=\"_ _0\"></span>iqui<span class=\"_ _0\"></span>dity risk<span class=\"_ _0\"></span> to sup<span class=\"_ _0\"></span>port p<span class=\"_ _0\"></span>ayment <span class=\"_ _0\"></span>oblig<span class=\"_ _0\"></span>ations an<span class=\"_ _0\"></span>d conting<span class=\"_ _0\"></span>ent f<span class=\"_ _0\"></span>unding in<span class=\"_ _0\"></span> a st<span class=\"_ _0\"></span>ressed<span class=\"_ _0\"></span> market en<span class=\"_ _1\"></span>viro<span class=\"_ _1\"></span>nmen<span class=\"_ _1\"></span>t.<span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank\u2019s Advance<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\">-</span><span class=\"ls9\">to<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">Deposit ra<span class=\"_ _1\"></span>tio of 7<span class=\"ws8\">9.6<span class=\"ls5 ws6\">% (20<span class=\"_ _1\"></span>24: 77.<span class=\"_ _1\"></span>8%) at<span class=\"_ _1\"></span> the end<span class=\"_ _1\"></span> of the rep<span class=\"_ _1\"></span>ortin<span class=\"_ _1\"></span>g per<span class=\"_ _1\"></span>iod refl<span class=\"_ _1\"></span>ects<span class=\"_ _1\"></span> </span></span></span></span></span>Manageme<span class=\"_ _0\"></span>nt\u2019s prudent s<span class=\"_ _0\"></span>tanc<span class=\"_ _0\"></span>e in the<span class=\"_ _0\"></span> conte<span class=\"_ _0\"></span>xt of li<span class=\"_ _0\"></span>quidity m<span class=\"_ _0\"></span>anagem<span class=\"_ _0\"></span>ent.<span class=\"ls1 ws1\"> </span>Liquidity C<span class=\"_ _0\"></span>overage Rati<span class=\"_ _0\"></span>o<span class=\"ff6 ls1 ws1\"> </span>The Liquidit<span class=\"_ _1\"></span>y Coverage Ratio (<span class=\"ls1 ws1\">\u2018<span class=\"ls24 ws9\">L<span class=\"_ _1\"></span>CR</span>\u2019<span class=\"ls8 ws1b\">) is desig<span class=\"_ _0\"></span>ned to prom<span class=\"_ _0\"></span>ote<span class=\"_ _0\"></span> the short<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls6 ws1f\">term resilience of a b<span class=\"_ _1\"></span>ank\u2019s liquidity </span></span></span></span>profil<span class=\"_ _0\"></span>e. Thi<span class=\"_ _0\"></span>s ratio be<span class=\"_ _0\"></span>came a m<span class=\"_ _0\"></span>inimum re<span class=\"_ _0\"></span>gulator<span class=\"_ _0\"></span>y standard unde<span class=\"_ _0\"></span>r the Eur<span class=\"_ _0\"></span>opea<span class=\"_ _0\"></span>n Comm<span class=\"_ _0\"></span>ission De<span class=\"_ _0\"></span>legat<span class=\"_ _0\"></span>ed Regulation 2015<span class=\"_ _1\"></span>/61. <span class=\"ls1 ws1\"> </span>The LC<span class=\"_ _0\"></span>R aim<span class=\"_ _0\"></span>s to ensure<span class=\"_ _0\"></span> that a <span class=\"_ _0\"></span>bank ha<span class=\"_ _0\"></span>s adequat<span class=\"_ _0\"></span>e unenc<span class=\"_ _0\"></span>umbere<span class=\"_ _0\"></span>d high<span class=\"ls1 ws1\">-</span>qual<span class=\"_ _0\"></span>ity liqui<span class=\"_ _0\"></span>d assets <span class=\"_ _0\"></span>(\u2018HQL<span class=\"_ _0\"></span>A\u2019) to m<span class=\"_ _0\"></span>eet its liqu<span class=\"_ _1\"></span>idity requirement<span class=\"_ _1\"></span>s within<span class=\"_ _1\"></span> a 30<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">calendar</span>-</span>day liquid<span class=\"_ _1\"></span>ity stress<span class=\"_ _1\"></span> scenario. Genera<span class=\"_ _1\"></span>lly, HQLA co<span class=\"_ _1\"></span>nsist o<span class=\"_ _1\"></span>f cash or assets that can be conver<span class=\"_ _0\"></span>ted into cash at li<span class=\"_ _0\"></span>ttle or no loss <span class=\"_ _0\"></span>of value in m<span class=\"_ _0\"></span>arkets.<span class=\"ls1\"> </span>The LCR as at 31 De<span class=\"_ _1\"></span>cember 202<span class=\"ls1 ws1\">5 <span class=\"ls7 ws46\">as calcul<span class=\"_ _0\"></span>ated by the Bank was <span class=\"ls6 ws8\">380.5<span class=\"ls5 ws2b\">% (202<span class=\"ls1 ws1\">4<span class=\"lsd ws44\">: </span></span></span>231<span class=\"ws12\">.8%).  Durin<span class=\"_ _1\"></span>g the financial </span></span></span></span>years<span class=\"_ _1\"></span> ended<span class=\"_ _1\"></span> 31 December 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span><span class=\"ls6 ws1c\">and 202</span>4<span class=\"ls8 ws11\">, the LCR w<span class=\"_ _0\"></span>as in e<span class=\"_ _11\"></span>xcess of both t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>egulat<span class=\"_ _0\"></span>ory m<span class=\"_ _0\"></span>inimum and t<span class=\"_ _0\"></span>he </span></span>risk appeti<span class=\"_ _0\"></span>te thre<span class=\"_ _0\"></span>sholds se<span class=\"_ _0\"></span>t by the<span class=\"_ _0\"></span> bank.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Net Stable Fundi<span class=\"_ _0\"></span>ng Ratio<span class=\"ls1 ws1\"> </span>The Net Stable Fun<span class=\"_ _1\"></span>ding Ratio (\u2018NSFR\u2019) is<span class=\"_ _1\"></span> a metric showin<span class=\"_ _1\"></span>g how a bank is able to maintain s<span class=\"_ _1\"></span>ufficient stab<span class=\"_ _1\"></span>le funding re<span class=\"_ _0\"></span>lative<span class=\"_ _0\"></span> to requi<span class=\"_ _0\"></span>red <span class=\"_ _0\"></span>stable<span class=\"_ _0\"></span> funding<span class=\"_ _0\"></span>, and re<span class=\"_ _0\"></span>fle<span class=\"_ _0\"></span>cts a <span class=\"_ _0\"></span>bank\u2019s<span class=\"_ _0\"></span> long<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">term funding profile (typi<span class=\"_ _1\"></span>cally, with </span></span>a term of mo<span class=\"_ _1\"></span>re th<span class=\"_ _1\"></span>an on<span class=\"_ _1\"></span>e year).<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span>The NSFR is calcula<span class=\"_ _1\"></span>ted in line with the <span class=\"ls5 ws7\">req<span class=\"_ _1\"></span>uirement<span class=\"_ _1\"></span>s <span class=\"_ _15\"> </span><span class=\"ls7 ws4e\">of<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span></span></span></span>the Capit<span class=\"_ _1\"></span>al Requirements Re<span class=\"_ _1\"></span>gulation (E<span class=\"_ _1\"></span>U) No 575/2013 (\u2018CR<span class=\"_ _1\"></span>R<span class=\"ls1 ws1\">\u2019). </span>The NSFR as at 31 Dece<span class=\"_ _1\"></span>mber 202<span class=\"ls1 ws1\">5 <span class=\"_ _10\"> </span><span class=\"ls7 ws90\">as calculated by the Bank was </span></span><span class=\"ws8\">158.5<span class=\"ls5 ws28\">% (202<span class=\"ls1 ws1\">4<span class=\"lsd ws145\">: 1</span></span></span>47<span class=\"_ _1\"></span><span class=\"ls1 ws1\">.0</span></span>%).  During th<span class=\"_ _1\"></span>e financial y<span class=\"_ _1\"></span>ears ended 31 De<span class=\"_ _1\"></span>cember 202<span class=\"ls1 ws1\">5 </span>and 202<span class=\"ls1 ws1\">4<span class=\"ls8 ws13\">, the NSFR w<span class=\"_ _0\"></span>as in ex<span class=\"_ _0\"></span>cess of bo<span class=\"_ _0\"></span>th the re<span class=\"_ _0\"></span>gulatory mi<span class=\"_ _0\"></span>nimum </span></span>and the risk a<span class=\"_ _0\"></span>ppeti<span class=\"_ _0\"></span>te thre<span class=\"_ _0\"></span>sholds set by<span class=\"_ _0\"></span> the bank.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank\u2019s ALCO foc<span class=\"_ _0\"></span>uses on the Bank\u2019<span class=\"_ _0\"></span>s manage<span class=\"_ _0\"></span>ment process w<span class=\"_ _0\"></span>ith respe<span class=\"_ _0\"></span>ct to m<span class=\"_ _0\"></span>arket and fundi<span class=\"_ _0\"></span>ng liquidi<span class=\"_ _0\"></span>ty risks.<span class=\"_ _bc\"> </span>The G<span class=\"_ _0\"></span>roup\u2019s liqui<span class=\"_ _0\"></span>dity manag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt proce<span class=\"_ _0\"></span>ss, focusing<span class=\"_ _0\"></span> on the<span class=\"_ _0\"></span> liquidity o<span class=\"_ _0\"></span>f the B<span class=\"_ _0\"></span>ank and tha<span class=\"_ _0\"></span>t of its pr<span class=\"_ _0\"></span>incipal subsidiar<span class=\"_ _0\"></span>y, include<span class=\"_ _0\"></span>s:<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws22\">managem<span class=\"_ _1\"></span>ent o<span class=\"_ _1\"></span>f day</span>-<span class=\"ls9 wsa\">to</span>-<span class=\"ls8 ws3c\">day funding, by monitor<span class=\"_ _0\"></span>ing futur<span class=\"_ _0\"></span>e cash f<span class=\"_ _0\"></span>lows to e<span class=\"_ _0\"></span>nsure that r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ments can<span class=\"_ _0\"></span> </span>be me<span class=\"_ _0\"></span>t. This i<span class=\"_ _0\"></span>ncludes re<span class=\"_ _0\"></span>pleni<span class=\"_ _0\"></span>shment of<span class=\"_ _0\"></span> funds as<span class=\"_ _0\"></span> they mat<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span> or are bor<span class=\"_ _0\"></span>rowe<span class=\"_ _0\"></span>d by custome<span class=\"_ _0\"></span>rs. The<span class=\"_ _0\"></span> starting<span class=\"_ _11\"></span> point for those proje<span class=\"_ _0\"></span>ctions is<span class=\"_ _0\"></span> an analy<span class=\"_ _0\"></span>sis of the c<span class=\"_ _0\"></span>ontr<span class=\"ls6 ws1f\">actual maturity<span class=\"_ _1\"></span> of the financial liabilities a<span class=\"_ _1\"></span>nd the </span>expected<span class=\"_ _1\"></span> col<span class=\"_ _1\"></span>lection<span class=\"_ _1\"></span> date o<span class=\"_ _1\"></span>f the fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al ass<span class=\"_ _1\"></span>ets;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls7 ws14\">maintaining a portf<span class=\"_ _0\"></span>olio of highly marketable assets that can easil<span class=\"_ _0\"></span>y be liquidated as protecti<span class=\"_ _0\"></span>on against </span>any unfore<span class=\"_ _0\"></span>seen int<span class=\"_ _0\"></span>errupti<span class=\"_ _0\"></span>on to c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>;<span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">monitor<span class=\"_ _0\"></span>ing the<span class=\"_ _0\"></span> liquidity r<span class=\"_ _0\"></span>atios<span class=\"_ _0\"></span> of the B<span class=\"_ _0\"></span>ank against i<span class=\"_ _0\"></span>nternal<span class=\"_ _0\"></span> and re<span class=\"_ _0\"></span>gulator<span class=\"_ _0\"></span>y require<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts; and<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">managi<span class=\"_ _0\"></span>ng the c<span class=\"_ _0\"></span>oncentr<span class=\"_ _0\"></span>ation and prof<span class=\"_ _0\"></span>ile o<span class=\"_ _0\"></span>f debt m<span class=\"_ _0\"></span>aturiti<span class=\"_ _0\"></span>es.<span class=\"ls1 ws1\"> </span></span>The Bank al<span class=\"_ _0\"></span>so monitor<span class=\"_ _0\"></span>s the level and type<span class=\"_ _0\"></span> of undraw<span class=\"_ _0\"></span>n lending commit<span class=\"_ _0\"></span>ments and the i<span class=\"_ _0\"></span>mpact of co<span class=\"_ _0\"></span>ntingent<span class=\"_ _0\"></span> liabili<span class=\"_ _0\"></span>ties such as g<span class=\"_ _0\"></span>uarantee<span class=\"_ _0\"></span>s as part of<span class=\"_ _0\"></span> the liqui<span class=\"_ _0\"></span>dity manag<span class=\"_ _0\"></span>ement pr<span class=\"_ _0\"></span>ocess pre<span class=\"_ _0\"></span>viously re<span class=\"_ _0\"></span>ferr<span class=\"_ _0\"></span>ed to. A<span class=\"_ _0\"></span>s at 31 Decem<span class=\"_ _0\"></span>ber 2025<span class=\"_ _0\"></span>, the Bank<span class=\"_ _0\"></span> had outsta<span class=\"_ _0\"></span>nding g<span class=\"_ _0\"></span>uaran<span class=\"ls6 ws52\">tees on behalf of third part<span class=\"_ _1\"></span>ies amounting to \u20ac15,<span class=\"_ _1\"></span>114,000 </span>(2024: \u20ac12,61<span class=\"_ _1\"></span>9,000), which a<span class=\"_ _1\"></span>re cancellabl<span class=\"_ _1\"></span>e upon the req<span class=\"_ _1\"></span>uest of the th<span class=\"_ _1\"></span>ird parties. Th<span class=\"_ _1\"></span>e Group\u2019s liq<span class=\"_ _1\"></span>uidity expos<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>risin<span class=\"_ _1\"></span>g from th<span class=\"_ _1\"></span>ese co<span class=\"_ _1\"></span>mmitmen<span class=\"_ _1\"></span>ts an<span class=\"_ _1\"></span>d con<span class=\"_ _1\"></span>tingen<span class=\"_ _1\"></span>cies<span class=\"_ _1\"></span> are exp<span class=\"_ _1\"></span>ected t<span class=\"_ _1\"></span>o exp<span class=\"_ _1\"></span>ire pri<span class=\"_ _1\"></span>ncip<span class=\"_ _1\"></span>ally w<span class=\"ls6 ws1f\">ith<span class=\"_ _1\"></span>in a </span>period<span class=\"_ _1\"></span> of twelv<span class=\"_ _1\"></span>e mon<span class=\"_ _1\"></span>ths fr<span class=\"_ _1\"></span>om th<span class=\"_ _1\"></span>e end of t<span class=\"_ _1\"></span>he repo<span class=\"_ _1\"></span>rting p<span class=\"_ _1\"></span>erio<span class=\"_ _1\"></span>d.<span class=\"ls1 ws1\"> </span> <span class=\"_ _2c\"></span><span class=\"ls6 ws19\">The following ta<span class=\"_ _1\"></span>bles analy<span class=\"_ _1\"></span>se the Group\u2019<span class=\"_ _1\"></span>s and Ban<span class=\"_ _1\"></span>k\u2019s prin<span class=\"_ _1\"></span>cipal financia<span class=\"_ _1\"></span>l assets a<span class=\"_ _1\"></span>nd liabiliti<span class=\"_ _1\"></span>es into relevan<span class=\"_ _1\"></span>t </span>maturit<span class=\"_ _0\"></span>y groupings base<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> rem<span class=\"_ _0\"></span>aining peri<span class=\"_ _0\"></span>od at the e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> report<span class=\"_ _0\"></span>ing peri<span class=\"_ _0\"></span>od to the contr<span class=\"_ _0\"></span>actual maturity date.<span class=\"_ _bc\"> </span><table class=\"s w233 h1e9\" id=\"_e136bfa8-4228-412e-9bef-efc6b99c2162\"><tr><td class=\"c x3d1 y222e w138 h138\"><div class=\"t m0 xd h139 yb28 ff3 fs16 fc0 sc0 ls7b ws146\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3d2 y222e w13a h138\"><div class=\"t m0 xd4 h13a yb28 ff3 fs16 fc0 sc0 ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls7e ws149\">Betw<span class=\"_ _0\"></span>een<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td><td class=\"c x3d3 y222e w13a h138\"><div class=\"t m0 x10 h13a yb28 ff3 fs16 fc0 sc0 ls1 ws1\"> <span class=\"_ _af\"> </span><span class=\"ls7e ws149\">Betw<span class=\"_ _0\"></span>een<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x3d4 h13a y222f ff3 fs16 fc0 sc0 ls1 ws1\"> <span class=\"_ _3c\"> </span><span class=\"ls7c ws147\">Less than</span> </td><td class=\"t m0 x3d5 h13a y222f ff3 fs16 fc0 sc0 ls7d ws148\">3 months<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3d6 h13a y222f ff3 fs16 fc0 sc0 ls7d ws148\">1 year a<span class=\"_ _0\"></span>nd <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x3d7 h13a y222f ff3 fs16 fc0 sc0 ls1 ws1\"> <span class=\"_ _19\"> </span><span class=\"ls7f ws14b\">More th<span class=\"_ _1\"></span>an</span> </td><td class=\"t m0 x3d8 h13a y222f ff3 fs16 fc0 sc0 ls7d ws148\">No matur<span class=\"_ _0\"></span>ity<span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x3d9 y222e w139 h138\"><div class=\"t m0 xb5 h139 y9fd ff3 fs16 fc0 sc0 ls7d ws148\">3 months<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y222e w13a h138\"><div class=\"t m0 xe5 h139 y9fd ff3 fs16 fc0 sc0 ls7d ws14a\">and 1 year<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y222e w13a h138\"><div class=\"t m0 xd9 h139 y9fd ff3 fs16 fc0 sc0 ls7b ws146\">5years<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y222e w139 h138\"><div class=\"t m0 x10b h139 y9fd ff3 fs16 fc0 sc0 ls7b ws14c\">5 years<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y222e w13a h138\"><div class=\"t m0 x37 h139 y9fd ff3 fs16 fc0 sc0 ls7d ws14d\">date<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y222e w13a h138\"><div class=\"t m0 x125 h13a y9fd ff3 fs16 fc0 sc0 ls80 ws14e\">Tot<span class=\"_ _1\"></span>al<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2230 w138 h13b\"><div class=\"t m0 xd h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">As at 31 Dece<span class=\"_ _0\"></span>mber 202<span class=\"_ _0\"></span><span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d9 y2230 w139 h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2230 w13a h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2230 w13a h13b\"><div class=\"t m0 xe6 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y2230 w139 h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2230 w13a h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2230 w13a h13b\"><div class=\"t m0 x125 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2231 w138 h13c\"><div class=\"t m0 xd h139 y9db ff3 fs16 fc0 sc0 ls7c ws147\">Financial assets<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3d1 y2232 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Balances with Central Bank of Malta, tre<span class=\"_ _0\"></span>asury bills and cash<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2232 w139 h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">162,85<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"_ _0\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d2 y2232 w13a h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">10,918<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2232 w13a h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3da y2232 w139 h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3db y2232 w13a h13b\"><div class=\"t m0 xe6 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">8,792<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2232 w13a h13b\"><div class=\"t m0 x49 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">182,564<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2233 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Financial investments measured at F<span class=\"_ _0\"></span>VOCI<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2233 w139 h13b\"><div class=\"t m0 x8f h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">571<span class=\"ffa\"> </span></div></td><td class=\"c x3d2 y2233 w13a h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">46,047<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2233 w13a h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">8<span class=\"ls81 ws14f\">3,687</span><span class=\"ffa\"> </span></div></td><td class=\"c x3da y2233 w139 h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">40,660<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2233 w13a h13b\"><div class=\"t m0 xe6 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2233 w13a h13b\"><div class=\"t m0 x49 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">179,246<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2234 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Financial investments measured at <span class=\"ls82 ws150\">am<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rtise<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>st</span><span class=\"ls82 ws150\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x3d9 y2234 w139 h13e\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3d2 y2234 w13a h13e\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">3,001<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2234 w13a h13e\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">24,364<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y2234 w139 h13e\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">6,525<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2234 w13a h13e\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y2234 w13a h13e\"><div class=\"t m0 x69 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">33,890<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2235 w138 h13f\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls83 ws14f\">Loans and advances to banks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2235 w139 h13f\"><div class=\"t m0 x69 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">61,923<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2235 w13a h13f\"><div class=\"t m0 x8f h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">500<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2235 w13a h13f\"><div class=\"t m0 x106 h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3da y2235 w139 h13f\"><div class=\"t m0 x106 h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3db y2235 w13a h13f\"><div class=\"t m0 x14e h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y2235 w13a h13f\"><div class=\"t m0 x69 h13a y9db ff3 fs16 fc0 sc0 ls81 ws14f\">62,423<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2236 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls83 ws14f\">Loans and advances to customers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2236 w139 h13e\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">128,997<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2236 w13a h13e\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">69,99<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d3 y2236 w13a h13e\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">170,453<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y2236 w139 h13e\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">559,667<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2236 w13a h13e\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y2236 w13a h13e\"><div class=\"t m0 x49 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">929,111<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2237 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls84 ws151\">Other assets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2237 w139 h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">12,967<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2237 w13a h13b\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">6,12<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d3 y2237 w13a h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3da y2237 w139 h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3db y2237 w13a h13b\"><div class=\"t m0 xea h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">44<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2237 w13a h13b\"><div class=\"t m0 x69 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">19,134<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2238 w138 h13b\"><div class=\"t m0 xd h13a y9fd ff3 fs16 fc0 sc0 ls7c ws147\">Total financial assets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2238 w139 h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">367,312<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2238 w13a h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">136,<span class=\"ls85 ws152\">583</span><span class=\"ls85 ws152\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x3d3 y2238 w13a h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">278,504<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y2238 w139 h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">606,852<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y2238 w13a h13b\"><div class=\"t m0 x10b h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">17,117<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y2238 w13a h13b\"><div class=\"t m0 xd7 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">1,406,36<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"_ _0\"></span> </span></div></td></tr><tr><td class=\"c x3d1 y2239 w138 h13c\"><div class=\"t m0 xd h13a y9db ff3 fs16 fc0 sc0 ls86 ws153\">Fina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3d1 y223a w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Amounts owed to banks<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223a w139 h13b\"><div class=\"t m0 x8f h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">345<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223a w13a h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3d3 y223a w13a h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3da y223a w139 h13b\"><div class=\"t m0 x106 h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3db y223a w13a h13b\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y223a w13a h13b\"><div class=\"t m0 x8f h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">345<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y223b w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Amounts owed to customers<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223b w139 h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">707,428<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223b w13a h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">105,606<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223b w13a h13b\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">313,140<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y223b w139 h13b\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">81,082<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y223b w13a h13b\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y223b w13a h13b\"><div class=\"t m0 xd7 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">1,207<span class=\"ls85 ws152\">,256</span><span class=\"ls85 ws152\"><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td class=\"c x3d1 y223c w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls87 ws154\">Other lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223c w139 h13e\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">23,089<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223c w13a h13e\"><div class=\"t m0 x8f h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">667<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223c w13a h13e\"><div class=\"t m0 x104 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">2,611<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y223c w139 h13e\"><div class=\"t m0 x69 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">11,420<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y223c w13a h13e\"><div class=\"t m0 x10b h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">10,613<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y223c w13a h13e\"><div class=\"t m0 x69 h13a y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">48,400<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y223d w138 h13c\"><div class=\"t m0 xd h139 y9db ff3 fs16 fc0 sc0 ls87 ws154\">Total f<span class=\"_ _1\"></span>inancial li<span class=\"_ _1\"></span>abilities <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223d w139 h13c\"><div class=\"t m0 x49 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">730,862<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223d w13a h13c\"><div class=\"t m0 x49 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">106,273<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223d w13a h13c\"><div class=\"t m0 x49 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">315,751<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y223d w139 h13c\"><div class=\"t m0 x69 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">92,502<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y223d w13a h13c\"><div class=\"t m0 x10b h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">10,613<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3dc y223d w13a h13c\"><div class=\"t m0 xd7 h13a y9db ff3 fs16 fc0 sc0 ls81 ws14f\">1,256,001<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y223e w138 h13e\"><div class=\"t m0 xd h139 y9fd ff3 fs16 fc0 sc0 ls7d ws14a\">Matur<span class=\"_ _0\"></span>ity gap<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223e w139 h13e\"><div class=\"t m0 x4f h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">(363,550<span class=\"ls1 ws1\">)<span class=\"_ _0\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x3d2 y223e w13a h13e\"><div class=\"t m0 xe6 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">30,310<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223e w13a h13e\"><div class=\"t m0 xcd h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">(37,247)<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3da y223e w139 h13e\"><div class=\"t m0 x49 h139 y9fd ff3 fs16 fc0 sc0 ls81 ws14f\">514,350<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3db y223e w13a h13e\"><div class=\"t m0 x14e h139 y9fd ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y223e w13a h13e\"><div class=\"t m0 x14 h13a y9fd ff3 fs16 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3d1 y223f w138 h13f\"><div class=\"t m0 xd h139 y9db ff3 fs16 fc0 sc0 ls7f ws14b\">Cumul<span class=\"_ _1\"></span>ati<span class=\"_ _1\"></span>ve g<span class=\"_ _1\"></span>ap<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d9 y223f w139 h13f\"><div class=\"t m0 x4f h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">(363,550)<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d2 y223f w13a h13f\"><div class=\"t m0 x4f h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">(333,240)<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3d3 y223f w13a h13f\"><div class=\"t m0 x4f h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">(<span class=\"ls81 ws14f\">370,487</span>)<span class=\"_ _0\"></span><span class=\"ffa\"> </span></div></td><td class=\"c x3da y223f w139 h13f\"><div class=\"t m0 x49 h139 y9db ff3 fs16 fc0 sc0 ls81 ws14f\">143,86<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"_ _0\"></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x3db y223f w13a h13f\"><div class=\"t m0 x14e h139 y9db ff3 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3dc y223f w13a h13f\"><div class=\"t m0 x14 h13a y9db ff3 fs16 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3d1 y2240 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">As at 31 Decem<span class=\"_ _0\"></span>ber 2024<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2240 w139 h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2240 w13a h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2240 w13a h13b\"><div class=\"t m0 xe6 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2240 w139 h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2240 w13a h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2240 w13a h13b\"><div class=\"t m0 x125 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws149\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2241 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls87 ws154\">Financ<span class=\"_ _1\"></span>ial assets<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3d1 y2242 w138 h13f\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls7c ws147\">Balances with Central Bank of Malta, tre<span class=\"_ _0\"></span>asury bills and cash<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2242 w139 h13f\"><div class=\"t m0 x49 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">145,928<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2242 w13a h13f\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3d3 y2242 w13a h13f\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3da y2242 w139 h13f\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3db y2242 w13a h13f\"><div class=\"t m0 xe6 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">8,552<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2242 w13a h13f\"><div class=\"t m0 x49 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">154,480<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2243 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Financial investments measured at F<span class=\"_ _0\"></span>VOCI <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2243 w139 h13e\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">2,661<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2243 w13a h13e\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">6,224<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2243 w13a h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">118,170<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2243 w139 h13e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">51,773<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2243 w13a h13e\"><div class=\"t m0 xe6 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">8,175<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2243 w13a h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">187,003<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2244 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Financial investments measured at amo<span class=\"_ _0\"></span>rtised cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2244 w139 h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3d2 y2244 w13a h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3d3 y2244 w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">14,000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2244 w139 h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">7,107<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2244 w13a h13b\"><div class=\"t m0 x14e h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y2244 w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2245 w138 h13c\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls83 ws14f\">Loans and advances to banks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2245 w139 h13c\"><div class=\"t m0 x69 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">45,189<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2245 w13a h13c\"><div class=\"t m0 x104 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">1,000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2245 w13a h13c\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3da y2245 w139 h13c\"><div class=\"t m0 x106 h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3db y2245 w13a h13c\"><div class=\"t m0 x14e h13d y9db ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y2245 w13a h13c\"><div class=\"t m0 x69 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">46,189<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2246 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls83 ws14f\">Loans and advances to customers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2246 w139 h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">149,781<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2246 w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">70,137<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2246 w13a h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">157,808<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2246 w139 h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">494,956<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2246 w13a h13b\"><div class=\"t m0 x14e h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y2246 w13a h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">872,682<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2247 w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls84 ws151\">Other assets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2247 w139 h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">13,419<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2247 w13a h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">2,379<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2247 w13a h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3da y2247 w139 h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3db y2247 w13a h13b\"><div class=\"t m0 x46 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">276<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2247 w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">16,074<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2248 w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls83 ws14f\">Total financial assets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y2248 w139 h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">356,978<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y2248 w13a h13e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">79,740<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y2248 w13a h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">289,978<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y2248 w139 h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">553,836<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y2248 w13a h13e\"><div class=\"t m0 x10b h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">17,003<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y2248 w13a h13e\"><div class=\"t m0 xd7 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">1,297,535<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y2249 w138 h13c\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls87 ws154\">Financ<span class=\"_ _1\"></span>ial liabilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3d1 y224a w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Amounts owed to banks<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224a w139 h13b\"><div class=\"t m0 x8f h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">438<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224a w13a h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3d3 y224a w13a h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3da y224a w139 h13b\"><div class=\"t m0 x106 h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3db y224a w13a h13b\"><div class=\"t m0 x14e h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y224a w13a h13b\"><div class=\"t m0 x8f h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">438<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y224b w138 h13e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws147\">Amounts owed to customers<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224b w139 h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">728,077<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224b w13a h13e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">66,702<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224b w13a h13e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">275,996<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224b w139 h13e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">49,231<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y224b w13a h13e\"><div class=\"t m0 x14e h13d y9fd ff1 fs16 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3dc y224b w13a h13e\"><div class=\"t m0 xd7 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">1,120,006<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y224c w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls87 ws154\">Other lia<span class=\"_ _1\"></span>bilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224c w139 h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">22,340<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224c w13a h13b\"><div class=\"t m0 x8f h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">624<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224c w13a h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">1,863<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224c w139 h13b\"><div class=\"t m0 x104 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">8,333<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y224c w13a h13b\"><div class=\"t m0 xe6 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">8,440<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y224c w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">41,600<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y224d w138 h8e\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls87 ws154\">Total fin<span class=\"_ _1\"></span>ancial liabil<span class=\"_ _1\"></span>ities <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224d w139 h8e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">750,855<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224d w13a h8e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">67,326<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224d w13a h8e\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">277,859<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224d w139 h8e\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">57,564<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3db y224d w13a h8e\"><div class=\"t m0 xe6 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">8,440<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3dc y224d w13a h8e\"><div class=\"t m0 xd7 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">1,162,044<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3d1 y224e w138 h13b\"><div class=\"t m0 xd h13d y9fd ff1 fs16 fc0 sc0 ls7c ws155\">Maturity gap<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224e w139 h13b\"><div class=\"t m0 x4f h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">(393,877)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224e w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">12,414<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224e w13a h13b\"><div class=\"t m0 x69 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">12,119<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224e w139 h13b\"><div class=\"t m0 x49 h13d y9fd ff1 fs16 fc0 sc0 ls81 ws14f\">496,272<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3d1 y224f w138 h13c\"><div class=\"t m0 xd h13d y9db ff1 fs16 fc0 sc0 ls87 ws154\">Cumulat<span class=\"_ _1\"></span>ive gap<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d9 y224f w139 h13c\"><div class=\"t m0 x4f h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">(393,877)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d2 y224f w13a h13c\"><div class=\"t m0 x4f h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">(381,463)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3d3 y224f w13a h13c\"><div class=\"t m0 x4f h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">(369,344)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3da y224f w139 h13c\"><div class=\"t m0 x49 h13d y9db ff1 fs16 fc0 sc0 ls81 ws14f\">126,928<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr></table>The B<span class=\"_ _0\"></span>ank<span class=\"ls1 ws1\">\u2019<span class=\"ls5 ws6\">s amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> owed to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span> of <span class=\"ls6 ws8\">\u20ac658,919,<span class=\"_ _1\"></span>000</span></span> <span class=\"lsd ws44\">(202</span>4<span class=\"lsd ws74\">: \u20ac<span class=\"ls6 ws8\">6<span class=\"_ _1\"></span>37,150,000<span class=\"ws7\">) as<span class=\"_ _1\"></span> at 31 December 202</span></span></span>5 </span>are repayable on dem<span class=\"_ _0\"></span>and and incl<span class=\"_ _0\"></span>uded in t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span> \u201cwithin 3<span class=\"_ _0\"></span> months\u201d buck<span class=\"_ _0\"></span>et in the tabl<span class=\"_ _0\"></span>es.  Howe<span class=\"_ _0\"></span>ver, t<span class=\"_ _0\"></span>he Bank\u2019s experi<span class=\"_ _0\"></span>ence<span class=\"_ _0\"></span> is that a signif<span class=\"_ _0\"></span>icant port<span class=\"_ _0\"></span>ion of such de<span class=\"_ _0\"></span>posits re<span class=\"_ _0\"></span>mains stable<span class=\"_ _0\"></span>. Addit<span class=\"_ _0\"></span>ionally, a<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls6 ws1f\">significant<span class=\"_ _1\"></span> part of oth<span class=\"_ _1\"></span>er depos<span class=\"_ _1\"></span>its maturing wit<span class=\"_ _1\"></span>hin 3 </span></span>months <span class=\"_ _13\"></span><span class=\"wsb\">from<span class=\"_ _0\"></span> the end of the<span class=\"_ _0\"></span> reporting<span class=\"_ _0\"></span> period i<span class=\"_ _0\"></span>s typicall<span class=\"_ _0\"></span>y renewed. T<span class=\"_ _0\"></span>he tables be<span class=\"_ _0\"></span>low analyse<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019s and Bank\u2019s<span class=\"_ _0\"></span> princi<span class=\"_ _0\"></span>pal non<span class=\"ls1 ws1\">-<span class=\"ls6 ws49\">derivative fina<span class=\"_ _1\"></span>ncial liab<span class=\"_ _1\"></span>ilities into rel<span class=\"_ _1\"></span>evant </span></span></span>m<span class=\"ls8 ws11\">aturity g<span class=\"_ _0\"></span>roupings base<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> rema<span class=\"_ _0\"></span>ining pe<span class=\"_ _0\"></span>riod at the end of t<span class=\"_ _0\"></span>he repo<span class=\"_ _0\"></span>rting pe<span class=\"_ _0\"></span>riod to the<span class=\"_ _0\"></span> contrac<span class=\"_ _0\"></span>tual mat<span class=\"_ _0\"></span>urity date<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span> amou<span class=\"ls6 ws1c\">nts disclos<span class=\"_ _1\"></span>ed in the tables a<span class=\"_ _1\"></span>re the contractu<span class=\"_ _1\"></span>al </span></span>undiscounted c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows. <span class=\"ls1 ws1\"> </span><table class=\"s w234 h1ea\" id=\"_91c0a927-294a-4dfd-a998-56c5b0e60e52\"><tr><td class=\"c x3de y2250 w13c h146\"><div class=\"t m0 x10 h35 y1609 ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3df y2250 w13e h146\"><div class=\"t m0 x22 h29 y1609 ff3 fs8 fc0 sc0 ls6f ws109\">Between<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x3e0 y2250 w121 h146\"><div class=\"t m0 x22 h29 y1609 ff3 fs8 fc0 sc0 ls6f ws109\">Between<span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x3e1 h29 y2251 ff3 fs8 fc0 sc0 ls1 ws9b\">Less than<span class=\"ws1\"> </span></td><td class=\"t m0 x3e2 h29 y2251 ff3 fs8 fc0 sc0 ls1 ws9b\">3 months<span class=\"ws1\"> </span></td><td class=\"t m0 x3e3 h29 y2251 ff3 fs8 fc0 sc0 ls1 ws9b\">1 year<span class=\"ws1\"> </span></td><td class=\"t m0 x3e4 h29 y2251 ff3 fs8 fc0 sc0 ls1 ws9b\">More than<span class=\"ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x3e5 y2250 w13d h146\"><div class=\"t m0 xcb h35 y9fd ff3 fs8 fc0 sc0 ls1 ws9b\">3 months<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3df y2250 w13e h146\"><div class=\"t m0 x90 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws9b\">and 1 year<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e0 y2250 w121 h146\"><div class=\"t m0 x34 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws9b\">and 5 years<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e6 y2250 w121 h146\"><div class=\"t m0 xd6 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws9b\">5 years<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e7 y2250 wf3 h146\"><div class=\"t m0 xf h29 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">Total </div></td></tr><tr><td class=\"c x3de y2252 w13c h147\"><div class=\"t m0 x10 h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">As at 31 December 202<span class=\"ws1\">5</span><span class=\"ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3e5 y2252 w13d h147\"><div class=\"t m0 x10b h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3df y2252 w13e h147\"><div class=\"t m0 x10b h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e0 y2252 w121 h147\"><div class=\"t m0 x10b h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e6 y2252 w121 h147\"><div class=\"t m0 x10b h35 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x3e7 y2252 wf3 h147\"><div class=\"t m0 x8f h29 y83a ff3 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x3de y2253 w13c h148\"><div class=\"t m0 x10 h35 y83a ff3 fs8 fc0 sc0 ls27 ws97\">Financia<span class=\"_ _1\"></span>l liab<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3de y2254 w13c h149\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y2254 w13d h149\"><div class=\"t m0 x6b h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">345<span class=\"ffa\"> </span></div></td><td class=\"c x3df y2254 w13e h149\"><div class=\"t m0 xf7 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3e0 y2254 w121 h149\"><div class=\"t m0 xf7 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3e6 y2254 w121 h149\"><div class=\"t m0 x171 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3e7 y2254 wf3 h149\"><div class=\"t m0 xce h29 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">345 </div></td></tr><tr><td class=\"c x3de y2255 w13c haa\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y2255 w13d haa\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">708,625<span class=\"ffa\"> </span></div></td><td class=\"c x3df y2255 w13e haa\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">107,940<span class=\"ffa\"> </span></div></td><td class=\"c x3e0 y2255 w121 haa\"><div class=\"t m0 x26 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">339,329<span class=\"ffa\"> </span></div></td><td class=\"c x3e6 y2255 w121 haa\"><div class=\"t m0 x49 h35 y9db ff3 fs8 fc0 sc0 ls1 ws1\">98,555<span class=\"ffa\"> </span></div></td><td class=\"c x3e7 y2255 wf3 haa\"><div class=\"t m0 xd7 h29 y9db ff3 fs8 fc0 sc0 ls1 ws1\">1,25<span class=\"ls4 ws0\">4,4</span>49 </div></td></tr><tr><td class=\"c x3de y2256 w13c h14a\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls28 ws0\">Other liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y2256 w13d h14a\"><div class=\"t m0 x4f h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">24,739<span class=\"ffa\"> </span></div></td><td class=\"c x3df y2256 w13e h14a\"><div class=\"t m0 x10b h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">1,294<span class=\"ffa\"> </span></div></td><td class=\"c x3e0 y2256 w121 h14a\"><div class=\"t m0 x10b h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">3,307<span class=\"ffa\"> </span></div></td><td class=\"c x3e6 y2256 w121 h14a\"><div class=\"t m0 x27 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">2,941<span class=\"ffa\"> </span></div></td><td class=\"c x3e7 y2256 wf3 h14a\"><div class=\"t m0 x27 h29 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">32,281 </div></td></tr><tr><td class=\"c x3de y2257 w13c h149\"><div class=\"t m0 x10 h35 y9fd ff3 fs8 fc0 sc0 ls27 ws97\">Total fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l liabi<span class=\"_ _1\"></span>litie<span class=\"_ _1\"></span>s <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3e5 y2257 w13d h149\"><div class=\"t m0 x26 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">733,709<span class=\"ffa\"> </span></div></td><td class=\"c x3df y2257 w13e h149\"><div class=\"t m0 x26 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">109,234<span class=\"ffa\"> </span></div></td><td class=\"c x3e0 y2257 w121 h149\"><div class=\"t m0 x26 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">342,636<span class=\"ffa\"> </span></div></td><td class=\"c x3e6 y2257 w121 h149\"><div class=\"t m0 xd6 h35 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">101,496<span class=\"ffa\"> </span></div></td><td class=\"c x3e7 y2257 wf3 h149\"><div class=\"t m0 xd7 h29 y9fd ff3 fs8 fc0 sc0 ls1 ws1\">1,287,075 </div></td></tr><tr><td class=\"c x3de y2258 w13c h148\"><div class=\"t m0 x10 h25 y83a ff1 fs8 fc0 sc0 ls4 ws9a\">As at 31 Decem<span class=\"_ _1\"></span>ber 202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3e5 y2258 w13d h148\"><div class=\"t m0 xd9 h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac <span class=\"fs8\">000</span><span class=\"fs8\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3df y2258 w13e h148\"><div class=\"t m0 x27 h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3e0 y2258 w121 h148\"><div class=\"t m0 x125 h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3e6 y2258 w121 h148\"><div class=\"t m0 x27 h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x3e7 y2258 wf3 h148\"><div class=\"t m0 x6b h25 y83a ff1 fs17 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"> </span></div></td></tr><tr><td class=\"c x3de y2259 w13c h148\"><div class=\"t m0 x10 h25 y83a ff1 fs8 fc0 sc0 ls28 ws9e\">Financial liabil<span class=\"_ _1\"></span>ities<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3de y225a w13c h14a\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to ba<span class=\"_ _1\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y225a w13d h14a\"><div class=\"t m0 x6b h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">438<span class=\"ffb\"> </span></div></td><td class=\"c x3df y225a w13e h14a\"><div class=\"t m0 xf7 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3e0 y225a w121 h14a\"><div class=\"t m0 xf7 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3e6 y225a w121 h14a\"><div class=\"t m0 x171 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3e7 y225a wf3 h14a\"><div class=\"t m0 xce h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">438 </div></td></tr><tr><td class=\"c x3de y225b w13c haa\"><div class=\"t m0 x10 h25 y9db ff1 fs8 fc0 sc0 ls29 ws98\">Amounts o<span class=\"_ _1\"></span>wed to c<span class=\"_ _1\"></span>ustomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y225b w13d haa\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">728,887<span class=\"ffb\"> </span></div></td><td class=\"c x3df y225b w13e haa\"><div class=\"t m0 x4f h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">68,674<span class=\"ffb\"> </span></div></td><td class=\"c x3e0 y225b w121 haa\"><div class=\"t m0 x26 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">301,387<span class=\"ffb\"> </span></div></td><td class=\"c x3e6 y225b w121 haa\"><div class=\"t m0 x49 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">57,162<span class=\"ffb\"> </span></div></td><td class=\"c x3e7 y225b wf3 haa\"><div class=\"t m0 xd7 h25 y9db ff1 fs8 fc0 sc0 ls1 ws1\">1,156,110 </div></td></tr><tr><td class=\"c x3de y225c w13c h149\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls28 ws0\">Other liabiliti<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y225c w13d h149\"><div class=\"t m0 x4f h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">12,850<span class=\"ffb\"> </span></div></td><td class=\"c x3df y225c w13e h149\"><div class=\"t m0 x10b h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">1,519<span class=\"ffb\"> </span></div></td><td class=\"c x3e0 y225c w121 h149\"><div class=\"t m0 x10b h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">3,709<span class=\"ffb\"> </span></div></td><td class=\"c x3e6 y225c w121 h149\"><div class=\"t m0 x27 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">6,367<span class=\"ffb\"> </span></div></td><td class=\"c x3e7 y225c wf3 h149\"><div class=\"t m0 x27 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">24,445 </div></td></tr><tr><td class=\"c x3de y225d w13c h149\"><div class=\"t m0 x10 h25 y9fd ff1 fs8 fc0 sc0 ls28 ws0\">Total f<span class=\"_ _1\"></span>inancial liabiliti<span class=\"_ _1\"></span>es <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e5 y225d w13d h149\"><div class=\"t m0 x26 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">742,175<span class=\"ffb\"> </span></div></td><td class=\"c x3df y225d w13e h149\"><div class=\"t m0 x4f h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">70,193<span class=\"ffb\"> </span></div></td><td class=\"c x3e0 y225d w121 h149\"><div class=\"t m0 x26 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">305,096<span class=\"ffb\"> </span></div></td><td class=\"c x3e6 y225d w121 h149\"><div class=\"t m0 x49 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">63,529<span class=\"ffb\"> </span></div></td><td class=\"c x3e7 y225d wf3 h149\"><div class=\"t m0 xd7 h25 y9fd ff1 fs8 fc0 sc0 ls1 ws1\">1,180,993 </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-17": {
   "value": "2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"_ _bc\"> </span></span></span></span>2.7<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span><span class=\"ls7\">Capital risk m<span class=\"_ _0\"></span>anagement<span class=\"ls1\"> </span></span></span>The Group\u2019<span class=\"_ _0\"></span>s objecti<span class=\"_ _0\"></span>ves when mana<span class=\"_ _0\"></span>ging ca<span class=\"_ _0\"></span>pital, w<span class=\"_ _0\"></span>hich is a broader<span class=\"_ _0\"></span> conce<span class=\"_ _0\"></span>pt than the \u2018e<span class=\"_ _0\"></span>quity\u2019 on the<span class=\"_ _11\"></span> consolidated stateme<span class=\"_ _0\"></span>nt of financial position, are<span class=\"_ _0\"></span>:<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 wsa\">to com<span class=\"_ _0\"></span>ply with t<span class=\"_ _0\"></span>he capit<span class=\"_ _0\"></span>al requi<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nts set by the<span class=\"_ _0\"></span> MFSA<span class=\"_ _0\"></span> with respe<span class=\"_ _0\"></span>ct to the<span class=\"_ _0\"></span> Bank\u2019s ope<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons;<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls8 ws18\">to safe<span class=\"_ _0\"></span>guard the<span class=\"_ _0\"></span> Group\u2019<span class=\"_ _0\"></span>s abi<span class=\"_ _0\"></span>lity to co<span class=\"_ _0\"></span>ntinue<span class=\"_ _0\"></span> as a<span class=\"_ _0\"></span> going c<span class=\"_ _0\"></span>oncer<span class=\"_ _0\"></span>n so that<span class=\"_ _0\"></span> it can<span class=\"_ _0\"></span> conti<span class=\"_ _0\"></span>nue to<span class=\"_ _0\"></span> provide<span class=\"_ _0\"></span> retur<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span> </span>for share<span class=\"_ _0\"></span>holders and be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its f<span class=\"_ _0\"></span>or other<span class=\"_ _0\"></span> stakeholde<span class=\"_ _0\"></span>rs; and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _41\"> </span></span><span class=\"ls7\">to maintain a strong capital<span class=\"_ _0\"></span> base<span class=\"_ _0\"></span> to support the devel<span class=\"_ _0\"></span>opment of its business.<span class=\"ls1\"> <span class=\"_ _11\"></span> </span></span>Accordi<span class=\"_ _0\"></span>ngly, the<span class=\"_ _0\"></span> purpose of<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> Group\u2019s ca<span class=\"_ _0\"></span>pital ma<span class=\"_ _0\"></span>nagem<span class=\"_ _0\"></span>ent is essenti<span class=\"_ _0\"></span>ally t<span class=\"_ _0\"></span>hat of e<span class=\"_ _0\"></span>nsuring<span class=\"_ _0\"></span> eff<span class=\"_ _0\"></span>icient use<span class=\"_ _0\"></span> of capital ta<span class=\"_ _1\"></span>king cognisa<span class=\"_ _1\"></span>nce of the Grou<span class=\"_ _1\"></span>p\u2019s risk<span class=\"_ _1\"></span> appetite an<span class=\"_ _1\"></span>d profile as w<span class=\"_ _1\"></span>ell as its ob<span class=\"_ _1\"></span>jectives<span class=\"_ _1\"></span> for busines<span class=\"_ _1\"></span>s develo<span class=\"_ _1\"></span>pment.<span class=\"_ _1\"></span> The Gro<span class=\"_ _1\"></span>up is<span class=\"_ _1\"></span> subject<span class=\"_ _1\"></span> to exter<span class=\"_ _1\"></span><span class=\"ls8 ws53\">nally im<span class=\"_ _0\"></span>posed capi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents only i<span class=\"_ _0\"></span>n respe<span class=\"_ _0\"></span>ct of<span class=\"_ _0\"></span> the Bank<span class=\"_ _0\"></span>\u2019s </span>activities a<span class=\"_ _1\"></span>s a credit ins<span class=\"_ _1\"></span>titution. The Bank is<span class=\"_ _1\"></span> a licensed finan<span class=\"_ _1\"></span>cial services p<span class=\"_ _1\"></span>rovider an<span class=\"_ _1\"></span>d must therefore comply<span class=\"_ _1\"></span> with the<span class=\"_ _0\"></span> capital<span class=\"_ _0\"></span> require<span class=\"_ _0\"></span>ments under<span class=\"_ _0\"></span> the re<span class=\"_ _0\"></span>levant l<span class=\"_ _0\"></span>aws and r<span class=\"_ _0\"></span>egula<span class=\"_ _0\"></span>tions. <span class=\"ls1 ws1\"> </span>The Bank\u2019s Executive<span class=\"_ _0\"></span> Team and ALCO are<span class=\"_ _0\"></span> responsible for m<span class=\"_ _0\"></span>anaging the Bank\u2019s<span class=\"_ _0\"></span> regulatory c<span class=\"_ _0\"></span>apital. The Bank<span class=\"_ _0\"></span> aims to m<span class=\"_ _0\"></span>aintain a <span class=\"_ _0\"></span>strong c<span class=\"_ _0\"></span>apita<span class=\"_ _0\"></span>l base to <span class=\"_ _0\"></span>support<span class=\"_ _0\"></span> the risk<span class=\"_ _0\"></span>s i<span class=\"_ _0\"></span>nherent<span class=\"_ _0\"></span> in its busi<span class=\"_ _0\"></span>ness, i<span class=\"_ _0\"></span>nvest<span class=\"_ _0\"></span>ing in a<span class=\"_ _0\"></span>ccordanc<span class=\"_ _0\"></span>e with its s<span class=\"_ _1\"></span>trategy and<span class=\"_ _1\"></span> meeting regulato<span class=\"_ _1\"></span>ry capital requ<span class=\"_ _1\"></span>irement<span class=\"_ _1\"></span>s at all tim<span class=\"_ _1\"></span>es. Internal<span class=\"_ _1\"></span> capital a<span class=\"_ _1\"></span>dequacy assessment<span class=\"_ _0\"></span>s are<span class=\"_ _0\"></span> aligne<span class=\"_ _0\"></span>d with <span class=\"_ _0\"></span>the re<span class=\"_ _0\"></span>gulator<span class=\"_ _0\"></span>y and s<span class=\"_ _0\"></span>upervisor<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>quirem<span class=\"_ _0\"></span>ents and<span class=\"_ _0\"></span> with the<span class=\"_ _0\"></span> Bank<span class=\"_ _0\"></span>\u2019s as<span class=\"_ _0\"></span>sessment<span class=\"_ _0\"></span> of risk, in<span class=\"_ _1\"></span>cluding credit,<span class=\"_ _1\"></span> market and op<span class=\"_ _1\"></span>erational ris<span class=\"_ _1\"></span>ks. <span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank manage<span class=\"_ _0\"></span>s its capi<span class=\"_ _0\"></span>tal <span class=\"_ _0\"></span>requi<span class=\"_ _0\"></span>rements base<span class=\"_ _0\"></span>d on i<span class=\"_ _0\"></span>ntern<span class=\"_ _0\"></span>al targ<span class=\"_ _0\"></span>ets, whi<span class=\"_ _0\"></span>ch are <span class=\"_ _0\"></span>set abo<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span> the pre<span class=\"_ _0\"></span>scribe<span class=\"_ _0\"></span>d minimum cap<span class=\"_ _1\"></span>ital require<span class=\"_ _1\"></span>ments, i.<span class=\"_ _1\"></span>e. levels establis<span class=\"_ _1\"></span>hed within t<span class=\"_ _1\"></span>he CRR and<span class=\"_ _1\"></span> the additio<span class=\"_ _1\"></span>nal capital require<span class=\"_ _0\"></span>ments re<span class=\"_ _0\"></span>quired by the<span class=\"_ _0\"></span> MFSA<span class=\"_ _0\"></span> for supe<span class=\"_ _0\"></span>rvisory purpos<span class=\"lsf ws23\">es.<span class=\"_ _bc\"> </span></span>Minimu<span class=\"_ _1\"></span>m capit<span class=\"_ _1\"></span>al requ<span class=\"_ _1\"></span>iremen<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span> are compu<span class=\"_ _1\"></span>ted for cred<span class=\"_ _1\"></span>it, ma<span class=\"_ _1\"></span>rket an<span class=\"_ _1\"></span>d operat<span class=\"_ _1\"></span>ional<span class=\"_ _1\"></span> risks.<span class=\"_ _1\"></span> The <span class=\"ls24 ws9\">CRR<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span></span>requ<span class=\"_ _1\"></span>ires a bank to maintain a<span class=\"_ _0\"></span> ratio of<span class=\"_ _0\"></span> total regulator<span class=\"_ _0\"></span>y capital to<span class=\"_ _0\"></span> ri<span class=\"_ _0\"></span>sk<span class=\"ls1 ws1\">-<span class=\"ls5 ws7\">weigh<span class=\"_ _1\"></span>ted  <span class=\"ls8 ws62\">exposure amo<span class=\"_ _0\"></span>unts<span class=\"ls1 ws1\">  <span class=\"ls9 ws15b\">(the \u2018Capital </span></span></span></span></span>require<span class=\"_ _0\"></span>ments rati<span class=\"_ _0\"></span>o\u2019) at<span class=\"_ _0\"></span> or a<span class=\"_ _0\"></span>bove the pr<span class=\"_ _0\"></span>escribe<span class=\"_ _0\"></span>d mini<span class=\"_ _0\"></span>mum of<span class=\"_ _0\"></span> 8%. T<span class=\"_ _0\"></span>he Ba<span class=\"_ _0\"></span>nk is co<span class=\"_ _0\"></span>mpliant<span class=\"_ _0\"></span> with the<span class=\"_ _11\"></span> requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> </span><span class=\"ls6\">laid d<span class=\"_ _1\"></span>own in the CRR<span class=\"ls1 ws1\">. </span></span>In August 20<span class=\"_ _0\"></span>25, the<span class=\"_ _0\"></span> Bank re<span class=\"_ _0\"></span>ceive<span class=\"_ _0\"></span>d from the<span class=\"_ _0\"></span> MFSA a S<span class=\"_ _0\"></span>REP Dec<span class=\"_ _0\"></span>ision le<span class=\"_ _0\"></span>tter,<span class=\"_ _0\"></span> whereby in additi<span class=\"_ _0\"></span>on to t<span class=\"_ _0\"></span>he regula<span class=\"_ _0\"></span>tory requi<span class=\"_ _0\"></span>rement<span class=\"_ _0\"></span>s stated above<span class=\"_ _0\"></span>, the Bank<span class=\"_ _0\"></span> is expected to m<span class=\"_ _0\"></span>aintain a<span class=\"_ _0\"></span> Pillar 2 Requi<span class=\"_ _0\"></span>rement<span class=\"_ _0\"></span> (\u2018P2R<span class=\"_ _0\"></span>\u2019) of 3.00% to<span class=\"_ _1\"></span> be held<span class=\"_ _1\"></span> in exces<span class=\"_ _1\"></span>s of<span class=\"_ _1\"></span> the mini<span class=\"_ _1\"></span>mum own fu<span class=\"_ _1\"></span>nds<span class=\"_ _1\"></span> requir<span class=\"_ _1\"></span>ement an<span class=\"_ _1\"></span>d to b<span class=\"_ _1\"></span>e mainta<span class=\"_ _1\"></span>ined a<span class=\"_ _1\"></span>t all ti<span class=\"_ _1\"></span>mes in accordan<span class=\"_ _1\"></span>ce with Article 104a <span class=\"_ _1\"></span>of the Capital Req<span class=\"_ _1\"></span>uirements D<span class=\"_ _1\"></span>irective (\u2018C<span class=\"_ _1\"></span>RD\u2019).<span class=\"ls1 ws1\"> </span>I<span class=\"ls6 wse8\">n addit<span class=\"_ _1\"></span>ion to the p<span class=\"_ _1\"></span>rescribed minimu<span class=\"_ _1\"></span>m, Banking Ru<span class=\"_ _1\"></span>le BR/15<span class=\"_ _1\"></span>: \u2018Capital Bu<span class=\"_ _1\"></span>ffers of C<span class=\"_ _1\"></span>redit Inst<span class=\"_ _1\"></span>itutions </span>authorised u<span class=\"_ _0\"></span>nder t<span class=\"_ _0\"></span>he Banki<span class=\"_ _0\"></span>ng A<span class=\"_ _0\"></span>ct 199<span class=\"_ _0\"></span>4\u2019 requi<span class=\"_ _0\"></span>res banks<span class=\"_ _0\"></span> to ho<span class=\"_ _0\"></span>ld addit<span class=\"_ _0\"></span>ional <span class=\"_ _0\"></span>buffe<span class=\"_ _0\"></span>rs, nam<span class=\"_ _0\"></span>ely the<span class=\"_ _0\"></span> \u2018capit<span class=\"_ _0\"></span>al conservati<span class=\"_ _0\"></span>on buffe<span class=\"_ _0\"></span>r\u2019 and the<span class=\"_ _0\"></span> \u2018count<span class=\"_ _0\"></span>ercyc<span class=\"_ _0\"></span>lical<span class=\"_ _0\"></span> buffer\u2019.<span class=\"_ _0\"></span> A<span class=\"ls6 ws1d\">utomati<span class=\"_ _1\"></span>c restrictions<span class=\"_ _1\"></span> on capita<span class=\"_ _1\"></span>l distribution<span class=\"_ _1\"></span>s apply if </span>the Ban<span class=\"_ _1\"></span>k\u2019s<span class=\"_ _1\"></span> CET1 cap<span class=\"_ _1\"></span>ital fal<span class=\"_ _1\"></span>ls belo<span class=\"_ _1\"></span>w the l<span class=\"_ _1\"></span>evel of it<span class=\"_ _1\"></span>s comb<span class=\"_ _1\"></span>ined<span class=\"_ _1\"></span> buffer<span class=\"ls1 ws1\"> </span><span class=\"ws7\">r<span class=\"_ _1\"></span>equire<span class=\"_ _1\"></span>ment<span class=\"ls1 ws1\">.<span class=\"_ _1\"></span> </span></span>The B<span class=\"_ _0\"></span>ank is requi<span class=\"_ _0\"></span>red to<span class=\"_ _0\"></span> mainta<span class=\"_ _0\"></span>in a capita<span class=\"_ _0\"></span>l co<span class=\"_ _0\"></span>nservation<span class=\"_ _0\"></span> buff<span class=\"_ _0\"></span>er of<span class=\"_ _0\"></span> 2.5%<span class=\"_ _0\"></span> and the in<span class=\"_ _0\"></span>stitutio<span class=\"_ _0\"></span>n<span class=\"ls1 ws1\">-<span class=\"ls6 ws8\">specific </span></span>countercycli<span class=\"_ _1\"></span>cal buffer as<span class=\"_ _1\"></span> determined by Art<span class=\"_ _1\"></span>icle 140 (1) of Directive 2013/3<span class=\"_ _1\"></span>6/EU <span class=\"ls7 ws82\">(known as CRD)<span class=\"ls1 ws1\">, <span class=\"_ _13\"></span><span class=\"ls8 ws16\">both <span class=\"_ _13\"></span><span class=\"lsf ws23\">o<span class=\"_ _1\"></span>f </span></span></span></span>which are<span class=\"ls1 ws1\"> </span>compo<span class=\"_ _1\"></span>sed of CET1 <span class=\"_ _1\"></span>capital. <span class=\"ls1 ws1\"> </span>CRD contempla<span class=\"_ _1\"></span>tes a coun<span class=\"_ _1\"></span>tercyclical b<span class=\"_ _1\"></span>uffer in line w<span class=\"_ _1\"></span>ith Basel III, i<span class=\"_ _1\"></span>n the form of an in<span class=\"_ _1\"></span>stitution<span class=\"ls1 ws1\">-</span><span class=\"ws8\">s<span class=\"_ _1\"></span>pecific </span>counterc<span class=\"_ _0\"></span>yclic<span class=\"_ _0\"></span>al buffer<span class=\"_ _0\"></span> and the appli<span class=\"_ _0\"></span>cation of<span class=\"_ _0\"></span> incre<span class=\"_ _0\"></span>ased re<span class=\"_ _0\"></span>quireme<span class=\"_ _0\"></span>nts to addre<span class=\"_ _0\"></span>ss mac<span class=\"_ _0\"></span>ro<span class=\"ls1 ws1\">-</span>prude<span class=\"_ _0\"></span>ntial or systemic ris<span class=\"_ _1\"></span>k. This is s<span class=\"_ _1\"></span>et in the r<span class=\"_ _1\"></span>ange of 0<span class=\"ls1 ws1\">-<span class=\"ls5 ws2b\">2.5<span class=\"_ _1\"></span>% of rel<span class=\"_ _1\"></span>evan<span class=\"_ _1\"></span>t credi<span class=\"_ _1\"></span>t expos<span class=\"_ _1\"></span>ure ri<span class=\"_ _1\"></span>sk</span>-<span class=\"ls5 ws7\">weigh<span class=\"_ _1\"></span>ted <span class=\"ls8 ws13\">exposure am<span class=\"_ _0\"></span>ounts<span class=\"ls22 ws7f\">, </span></span></span></span>where<span class=\"_ _0\"></span>by the rat<span class=\"_ _0\"></span>e shall c<span class=\"_ _0\"></span>onsist of the<span class=\"_ _0\"></span> weight<span class=\"_ _0\"></span>ed avera<span class=\"_ _0\"></span>ge of the<span class=\"_ _0\"></span> \u2018counter<span class=\"_ _0\"></span>cyclic<span class=\"_ _0\"></span>al buffe<span class=\"_ _0\"></span>r\u2019 rate<span class=\"_ _0\"></span>s that apply in the<span class=\"_ _11\"></span> juris<span class=\"_ _1\"></span>dicti<span class=\"_ _1\"></span>on wher<span class=\"_ _1\"></span>e the relev<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t expos<span class=\"_ _1\"></span>ures a<span class=\"_ _1\"></span>re loca<span class=\"_ _1\"></span>ted. Giv<span class=\"_ _1\"></span>en tha<span class=\"_ _1\"></span>t the lo<span class=\"_ _1\"></span>cal gro<span class=\"_ _1\"></span>up\u2019s exp<span class=\"_ _1\"></span>osu<span class=\"_ _1\"></span>res are <span class=\"ls6 ws8\">essen<span class=\"_ _1\"></span>tially<span class=\"ls1 ws1\"> </span></span>all contain<span class=\"_ _1\"></span>ed within Malt<span class=\"_ _1\"></span>a, th<span class=\"ls1 ws1\">e </span><span class=\"ls5\">buffer </span><span class=\"ws8\">is<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><span class=\"ls9\">set at <span class=\"ls5 ws6\">a mini<span class=\"_ _1\"></span>mum amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f <span class=\"ls1 ws1\">0<span class=\"lsa ws24\">.0</span>2</span><span class=\"ws7\">%.<span class=\"ls1 ws1\"> </span></span></span></span></span>Moreover, du<span class=\"_ _1\"></span>ring 202<span class=\"ls1 ws1\">3<span class=\"ls7 ws6d\">, the Centr<span class=\"_ _0\"></span>al Bank of Malta<span class=\"_ _0\"></span> introduce<span class=\"_ _0\"></span>d a Sectoral S<span class=\"_ _0\"></span>ystemic Ri<span class=\"_ _0\"></span>sk Buff<span class=\"_ _0\"></span>er (\u2018sSyRB\u2019)<span class=\"_ _0\"></span> of </span></span>1% on risk<span class=\"ls1 ws1\">-</span>weigh<span class=\"_ _1\"></span>ted domes<span class=\"_ _1\"></span>tic mortgage <span class=\"_ _1\"></span>exposures<span class=\"_ _1\"></span> to hous<span class=\"_ _1\"></span>eholds to be incr<span class=\"_ _1\"></span>eased to 1.5% d<span class=\"_ _1\"></span>uring 2024.<span class=\"ls1 ws1\"> <span class=\"ls18 ws74\">The </span></span>buffer remained<span class=\"_ _1\"></span> in place duri<span class=\"_ _1\"></span>ng 2025.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>In addition, a P<span class=\"_ _0\"></span>illar<span class=\"_ _0\"></span> 2 Guidance<span class=\"_ _0\"></span> (\u2018P2G\u2019)<span class=\"_ _0\"></span> of 2% and made up enti<span class=\"_ _0\"></span>rely of C<span class=\"_ _0\"></span>ET 1 Capita<span class=\"_ _0\"></span>l is to be held o<span class=\"_ _0\"></span>ver and abov<span class=\"_ _1\"></span>e the Ov<span class=\"_ _1\"></span>erall Ca<span class=\"_ _1\"></span>pital<span class=\"_ _1\"></span> Requ<span class=\"_ _1\"></span>irement (\u2018<span class=\"_ _1\"></span>OCR\u2019<span class=\"_ _1\"></span>) of 13.<span class=\"_ _1\"></span><span class=\"ls6 ws8\">64</span><span class=\"ws7\">%.<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span> </span></span>During the fin<span class=\"_ _1\"></span>ancial year ended 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5<span class=\"ls5 ws72\">, th<span class=\"_ _1\"></span>e Bank\u2019<span class=\"_ _1\"></span>s OCR a<span class=\"_ _1\"></span>nd P2G were met<span class=\"_ _1\"></span> at all<span class=\"_ _1\"></span> times. Th<span class=\"_ _1\"></span>e </span></span>Bank\u2019<span class=\"_ _1\"></span>s OCR a<span class=\"_ _1\"></span>nd P2G wer<span class=\"_ _1\"></span>e <span class=\"ls6 ws8\">15.64</span>% (2<span class=\"_ _1\"></span>02<span class=\"ls1 ws1\">4<span class=\"ls6 ws23\">: 15.<span class=\"ws8\">93<span class=\"ws7\">%) as<span class=\"_ _1\"></span> at 31 December 2<span class=\"_ _1\"></span>02</span></span></span>5. </span>The C<span class=\"_ _0\"></span>apital re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>ments rati<span class=\"_ _0\"></span>o expr<span class=\"_ _0\"></span>esses Ow<span class=\"_ _0\"></span>n funds<span class=\"_ _0\"></span> as a <span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>oportion of<span class=\"_ _0\"></span> ri<span class=\"_ _0\"></span>sk<span class=\"ls1 ws1\">-<span class=\"ls5 ws2b\">weighted a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s and o<span class=\"_ _1\"></span>ff</span>-<span class=\"ls6 ws8\">balance </span></span>sheet ins<span class=\"_ _1\"></span>truments in rela<span class=\"_ _1\"></span>tion to Credit Ri<span class=\"_ _1\"></span>sk together w<span class=\"_ _1\"></span>ith no<span class=\"_ _1\"></span>tional ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\">-<span class=\"ls5 ws81\">weighted a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> in res<span class=\"_ _1\"></span>pect of </span></span>Operational Risk and Marke<span class=\"_ _0\"></span>t Risk.  <span class=\"ls1\"> </span>The ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\">-<span class=\"ls5 ws22\">weigh<span class=\"_ _1\"></span>ted<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets are mea<span class=\"_ _1\"></span>sured<span class=\"_ _1\"></span> by mean<span class=\"_ _1\"></span>s of a<span class=\"_ _1\"></span> hiera<span class=\"_ _1\"></span>rchy o<span class=\"_ _1\"></span>f risk<span class=\"_ _1\"></span> weights<span class=\"_ _1\"></span> class<span class=\"_ _1\"></span>ified<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ing to<span class=\"_ _1\"></span> the </span></span>natu<span class=\"_ _1\"></span>re of <span class=\"ls1 ws1\">\u2013 <span class=\"_ _13\"></span></span>and<span class=\"_ _1\"></span> reflect<span class=\"_ _1\"></span>ing an<span class=\"_ _1\"></span> est<span class=\"_ _1\"></span>imate of c<span class=\"_ _1\"></span>redit<span class=\"_ _1\"></span>, market a<span class=\"_ _1\"></span>nd<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> risks<span class=\"_ _1\"></span> assoc<span class=\"_ _1\"></span>iated wit<span class=\"_ _1\"></span>h <span class=\"ls1 ws1\">\u2013 <span class=\"_ _13\"></span><span class=\"ls7 ws6d\">each asset and </span></span>counterpa<span class=\"_ _1\"></span>rty, takin<span class=\"_ _1\"></span>g into account a<span class=\"_ _1\"></span>ny eligib<span class=\"ls7 ws14\">le collateral or guarantee<span class=\"_ _0\"></span>s. A similar tre<span class=\"_ _0\"></span>atment is adopted for<span class=\"_ _0\"></span> </span>off<span class=\"ls1 ws1\">-</span><span class=\"ws2f\">bala<span class=\"_ _1\"></span>nce s<span class=\"_ _1\"></span>heet in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments,<span class=\"_ _1\"></span> with some a<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> to reflect t<span class=\"_ _1\"></span>he more co<span class=\"_ _1\"></span>nting<span class=\"_ _1\"></span>ent n<span class=\"_ _1\"></span>atur<span class=\"_ _1\"></span>e of the </span>potential<span class=\"_ _1\"></span> losses. Ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">wei<span class=\"_ _0\"></span>ghted assets are<span class=\"_ _0\"></span> mea<span class=\"_ _0\"></span>sured using t<span class=\"_ _0\"></span>he \u2019S<span class=\"_ _0\"></span>tandardise<span class=\"_ _0\"></span>d Approach\u2019 f<span class=\"_ _11\"></span>or cred<span class=\"ls6 ws1c\">it risk with </span></span></span>risk<span class=\"ls1 ws1\">-<span class=\"ls8 ws3c\">weights being<span class=\"_ _0\"></span> assigned t<span class=\"_ _0\"></span>o asset<span class=\"_ _0\"></span>s and off<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">balance shee<span class=\"_ _1\"></span>t instrumen<span class=\"_ _1\"></span>ts accordin<span class=\"_ _1\"></span>g to their asset clas<span class=\"_ _1\"></span>s and </span></span></span></span>credit<span class=\"_ _1\"></span> risk mit<span class=\"_ _1\"></span>igatio<span class=\"_ _1\"></span>n. For<span class=\"_ _1\"></span> the determina<span class=\"_ _1\"></span>tion o<span class=\"_ _1\"></span>f credit a<span class=\"_ _1\"></span>ssess<span class=\"_ _1\"></span>ments,<span class=\"_ _1\"></span> indepen<span class=\"_ _1\"></span>dent r<span class=\"_ _1\"></span>ating agen<span class=\"_ _1\"></span>cies ar<span class=\"_ _1\"></span>e nominate<span class=\"_ _0\"></span>d as requir<span class=\"_ _0\"></span>ed.<span class=\"ls1 ws1\"> </span>Total risk<span class=\"ls1 ws1\">-<span class=\"ls8 ws11\">weighted ex<span class=\"_ _0\"></span>posure amounts are<span class=\"_ _0\"></span> dete<span class=\"_ _0\"></span>rmine<span class=\"_ _0\"></span>d by multiplying<span class=\"_ _0\"></span> the capi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>quirements fo<span class=\"_ _0\"></span>r marke<span class=\"_ _0\"></span>t </span></span>risk and<span class=\"_ _1\"></span> operational ris<span class=\"_ _1\"></span>k by 12.5 (i.e. the reciproca<span class=\"_ _1\"></span>l of the minimum cap<span class=\"_ _1\"></span>ital ratio o<span class=\"_ _1\"></span>f 8%) and ad<span class=\"_ _1\"></span>ding the resul<span class=\"_ _1\"></span>ting fig<span class=\"_ _1\"></span>ures to<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>um of ris<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\">-</span>weight<span class=\"_ _1\"></span>ed e<span class=\"lsa ws44\">xposu<span class=\"_ _1\"></span>re amounts for credit risk. </span><span class=\"lsa ws44\"><span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-523": {
   "value": "2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t <span class=\"ff5 fs1 lsb ws2c\">(continued)</span></span><span class=\"ff1 fs1\"> </span></span>2.8<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Fair values o<span class=\"_ _1\"></span>f financial ass<span class=\"_ _1\"></span>ets and liabili<span class=\"_ _1\"></span>ties<span class=\"ls1 ws1\"> </span></span>2.8.1<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts measur<span class=\"_ _0\"></span>ed at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The G<span class=\"_ _0\"></span>roup\u2019s fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>ruments w<span class=\"_ _0\"></span>hich ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> include<span class=\"_ _0\"></span> the G<span class=\"_ _0\"></span>roup\u2019s de<span class=\"_ _0\"></span>bt securi<span class=\"_ _0\"></span>ties and<span class=\"_ _0\"></span> equity instr<span class=\"_ _0\"></span>uments m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at FVOC<span class=\"_ _0\"></span>I (note 6)<span class=\"_ _0\"></span>.  The Group i<span class=\"_ _0\"></span>s require<span class=\"_ _0\"></span>d to disclo<span class=\"_ _0\"></span>se fair<span class=\"_ _0\"></span> value me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nts by lev<span class=\"_ _1\"></span>el of th<span class=\"_ _1\"></span>e fol<span class=\"_ _1\"></span>lowing<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alu<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ure<span class=\"ls8 ws3c\">ment hierarc<span class=\"_ _0\"></span>hy for financ<span class=\"_ _0\"></span>ial instrume<span class=\"_ _0\"></span>nts that are<span class=\"_ _0\"></span> measured i<span class=\"_ _0\"></span>n </span>the statement of<span class=\"_ _0\"></span> financial position at f<span class=\"_ _0\"></span>air value:<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws6\">Quoted<span class=\"_ _1\"></span> prices<span class=\"_ _1\"></span> (una<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>ted) in a<span class=\"_ _1\"></span>ctive mar<span class=\"_ _1\"></span>kets fo<span class=\"_ _1\"></span>r ident<span class=\"_ _1\"></span>ical a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s (Lev<span class=\"_ _1\"></span>el 1).</span> \u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs ot<span class=\"_ _0\"></span>her than<span class=\"_ _0\"></span> quoted pri<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s include<span class=\"_ _0\"></span>d withi<span class=\"_ _0\"></span>n Level<span class=\"_ _0\"></span> 1 that<span class=\"_ _0\"></span> are obse<span class=\"_ _0\"></span>rvable f<span class=\"_ _0\"></span>or the as<span class=\"_ _0\"></span>set <span class=\"_ _0\"></span>eithe<span class=\"_ _0\"></span>r dire<span class=\"_ _0\"></span>ctly </span>i.e. as prices<span class=\"_ _1\"></span>, or indirectly<span class=\"_ _1\"></span> i.e. derived from pric<span class=\"_ _1\"></span>es (Level 2).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs for t<span class=\"_ _0\"></span>he asse<span class=\"_ _0\"></span>t that are<span class=\"_ _0\"></span> not base<span class=\"_ _0\"></span>d on obse<span class=\"_ _0\"></span>rvable m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>t data i.e<span class=\"_ _0\"></span>. unobservabl<span class=\"_ _0\"></span>e inpu<span class=\"_ _0\"></span>ts (Leve<span class=\"_ _0\"></span>l 3).<span class=\"ls1 ws1\"> </span></span>The IF<span class=\"_ _0\"></span>RS 13 hierar<span class=\"_ _0\"></span>chy of val<span class=\"_ _0\"></span>uation tec<span class=\"_ _0\"></span>hniques is base<span class=\"_ _0\"></span>d on w<span class=\"_ _0\"></span>hether<span class=\"_ _0\"></span> the inputs to<span class=\"_ _0\"></span> those val<span class=\"_ _0\"></span>uation te<span class=\"_ _0\"></span>chniques<span class=\"_ _0\"></span> are obser<span class=\"_ _0\"></span>vable or<span class=\"_ _0\"></span> unob<span class=\"_ _0\"></span>servabl<span class=\"_ _0\"></span>e. Obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs re<span class=\"_ _0\"></span>fle<span class=\"_ _0\"></span>ct mar<span class=\"_ _0\"></span>ket data <span class=\"_ _0\"></span>obtaine<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> inde<span class=\"_ _0\"></span>pendent<span class=\"_ _0\"></span> sources;<span class=\"_ _0\"></span> unobservable<span class=\"_ _0\"></span> inputs r<span class=\"_ _0\"></span>efle<span class=\"_ _0\"></span>ct the<span class=\"_ _0\"></span> Bank\u2019s ma<span class=\"_ _0\"></span>rket assum<span class=\"_ _0\"></span>ptions. <span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs only r<span class=\"_ _0\"></span>eleva<span class=\"_ _0\"></span>nt and o<span class=\"_ _0\"></span>bservable<span class=\"_ _0\"></span> mark<span class=\"_ _0\"></span>et pr<span class=\"_ _0\"></span>ices i<span class=\"_ _0\"></span>n its val<span class=\"_ _0\"></span>uations.<span class=\"_ _0\"></span> Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span>s of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets and financial liabiliti<span class=\"_ _0\"></span>es that are traded in acti<span class=\"_ _0\"></span>ve markets are based on quoted market pri<span class=\"_ _0\"></span>ces or deale<span class=\"_ _0\"></span>r price quo<span class=\"_ _0\"></span>tations.  <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The fair va<span class=\"_ _1\"></span>lue of the <span class=\"_ _1\"></span>Bank\u2019s fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets measured a<span class=\"_ _1\"></span>t FVO<span class=\"_ _1\"></span>CI, which ar<span class=\"_ _1\"></span>e principally<span class=\"_ _1\"></span> traded in<span class=\"_ _1\"></span> active markets<span class=\"_ _1\"></span>, is ma<span class=\"_ _1\"></span>inly<span class=\"_ _1\"></span> based<span class=\"_ _1\"></span> on q<span class=\"_ _1\"></span>uot<span class=\"_ _1\"></span>ed market<span class=\"_ _1\"></span> pric<span class=\"_ _1\"></span>es. Hen<span class=\"_ _1\"></span>ce, a<span class=\"_ _1\"></span>s a<span class=\"_ _1\"></span>t 31 Dec<span class=\"_ _1\"></span>ember <span class=\"_ _1\"></span>202<span class=\"ls1 ws1\">5 <span class=\"ls8 wsa\">and 2<span class=\"_ _1\"></span>02</span>4<span class=\"ls6 ws7\">, the principal </span></span>financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents that ar<span class=\"_ _0\"></span>e measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span>, consisting of<span class=\"_ _0\"></span> the inve<span class=\"_ _0\"></span>stments measur<span class=\"_ _0\"></span>ed at FV<span class=\"_ _0\"></span>OCI, were valued<span class=\"_ _1\"></span> using prin<span class=\"_ _1\"></span>cipally Level 1 inpu<span class=\"_ _1\"></span>ts. <span class=\"ls1 ws1\"> </span>No tr<span class=\"_ _1\"></span>ansfer<span class=\"_ _1\"></span>s of fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> inst<span class=\"_ _1\"></span>ruments b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ent le<span class=\"_ _1\"></span>vels o<span class=\"_ _1\"></span>f the fair v<span class=\"_ _1\"></span>alue h<span class=\"_ _1\"></span>ierarc<span class=\"_ _1\"></span>hy h<span class=\"_ _1\"></span>ave oc<span class=\"_ _1\"></span>curred during th<span class=\"_ _1\"></span>e financial years<span class=\"_ _1\"></span> ended 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 </span>and<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">4<span class=\"lsa ws24\">. </span> </span><div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws114 gs7e5\">12.<span class=\"ls1 ws1\"> <span class=\"_ _3c\"> </span></span><span class=\"ws3\">Property, <span class=\"_ _0\"></span>plant a<span class=\"_ _0\"></span>nd equi<span class=\"_ _0\"></span>pment <span class=\"ff5 fs1 lsb ws2c\">(<span class=\"_ _0\"></span>continued)<span class=\"ls1 ws1\"> </span></span></span></div>12.1<span class=\"ls1 ws1\"> <span class=\"_ _9d\"> </span><span class=\"ls8 wsa\">Fair valuation of<span class=\"_ _0\"></span> land and bui<span class=\"_ _0\"></span>lding<span class=\"_ _0\"></span>s<span class=\"ff3 ls1 ws1\"> </span></span></span>The Bank\u2019s la<span class=\"_ _0\"></span>nd and buildings <span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>re revalue<span class=\"_ _0\"></span>d <span class=\"ls5 ws3f\">on 31 Dec<span class=\"_ _1\"></span>embe<span class=\"_ _1\"></span>r<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls6 ws8\">202<span class=\"ls1 ws1\">4<span class=\"ls8 ws47\">, while the subsidiary\u2019s la<span class=\"_ _0\"></span>nd and building<span class=\"_ _0\"></span>s </span></span></span></span></span>were rev<span class=\"_ _1\"></span>alued<span class=\"_ _1\"></span> on 30 Sept<span class=\"_ _1\"></span>ember 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">4<span class=\"lsb ws2c\">, <span class=\"_ _10\"> </span><span class=\"ls8 ws36\">by an indepe<span class=\"_ _0\"></span>ndent f<span class=\"_ _0\"></span>irm of<span class=\"_ _0\"></span> proper<span class=\"_ _0\"></span>ty value<span class=\"_ _0\"></span>rs ha<span class=\"_ _0\"></span>ving appr<span class=\"_ _0\"></span>opria<span class=\"_ _0\"></span>te </span></span></span>recog<span class=\"_ _0\"></span>nised profe<span class=\"_ _0\"></span>ssional quali<span class=\"_ _0\"></span>ficati<span class=\"_ _0\"></span>ons and expe<span class=\"_ _0\"></span>rience<span class=\"_ _0\"></span> in the locati<span class=\"_ _0\"></span>on and cate<span class=\"_ _0\"></span>gory of the prope<span class=\"_ _0\"></span>rty being<span class=\"_ _0\"></span> valued. The Dire<span class=\"_ _1\"></span>ctors<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls7 ws4e\">had</span> <span class=\"_ _14\"> </span><span class=\"ls5 ws41\">r<span class=\"_ _1\"></span>eviewed th<span class=\"_ _1\"></span>e carry<span class=\"_ _1\"></span>ing a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>ts of th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s p<span class=\"_ _1\"></span>ropert<span class=\"_ _1\"></span>ies</span> <span class=\"_ _10\"> </span></span>as at 31 December 2024<span class=\"ls8 wsa\">, on the basis of<span class=\"_ _0\"></span> the valu<span class=\"_ _0\"></span>ations c<span class=\"_ _0\"></span>arrie<span class=\"_ _0\"></span>d out by the<span class=\"_ _0\"></span> indepe<span class=\"_ _0\"></span>ndent prope<span class=\"_ _0\"></span>rty value<span class=\"_ _0\"></span>rs. <span class=\"ls1 ws1\"> </span></span>Valuations were<span class=\"_ _0\"></span> made on the basis of open market value taking c<span class=\"_ _0\"></span>ognisance of the<span class=\"_ _0\"></span> specific location of the prop<span class=\"_ _1\"></span>erties,<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>ize of th<span class=\"_ _1\"></span>e sit<span class=\"_ _1\"></span>es, th<span class=\"_ _1\"></span>e avai<span class=\"_ _1\"></span>labili<span class=\"_ _1\"></span>ty of s<span class=\"_ _1\"></span>imilar <span class=\"_ _1\"></span>prop<span class=\"_ _1\"></span>erties i<span class=\"_ _1\"></span>n the a<span class=\"_ _1\"></span>rea, an<span class=\"_ _1\"></span>d wh<span class=\"_ _1\"></span>enever p<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span>ible, having r<span class=\"_ _1\"></span>egard to recent market trans<span class=\"_ _1\"></span>actions for simila<span class=\"_ _1\"></span>r properties in th<span class=\"_ _1\"></span>e same location. During 2024, th<span class=\"_ _1\"></span>e carrying<span class=\"_ _0\"></span> values <span class=\"_ _0\"></span>of the<span class=\"_ _0\"></span> prope<span class=\"_ _0\"></span>rties, c<span class=\"_ _0\"></span>lassifi<span class=\"_ _0\"></span>ed wi<span class=\"_ _0\"></span>thin proper<span class=\"_ _0\"></span>ty,<span class=\"_ _0\"></span> plant<span class=\"_ _0\"></span> and e<span class=\"_ _0\"></span>quipment<span class=\"_ _0\"></span>, have<span class=\"_ _0\"></span> bee<span class=\"_ _0\"></span>n adjusted to<span class=\"_ _0\"></span> the valuati<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd the<span class=\"_ _0\"></span> net re<span class=\"_ _0\"></span>sultant <span class=\"ws53\">a<span class=\"_ _0\"></span>djustm<span class=\"_ _0\"></span>ent compri<span class=\"_ _0\"></span>sed an <span class=\"ls5 ws7\">increa<span class=\"_ _1\"></span>se of <span class=\"ls6 ws8\">\u20ac5,058,000 <span class=\"ws1d\">in the carrying va<span class=\"_ _1\"></span>lues </span></span></span></span>for th<span class=\"_ _1\"></span>e Group a<span class=\"_ _1\"></span>nd a<span class=\"_ _1\"></span>n increas<span class=\"_ _1\"></span>e of \u20ac<span class=\"ls6 ws8\">3,162,0<span class=\"_ _1\"></span>00<span class=\"ls1 ws167\">  <span class=\"ls8 ws17\">in the c<span class=\"_ _0\"></span>arrying val<span class=\"_ _0\"></span>ue for<span class=\"_ _0\"></span> the Bank,<span class=\"_ _0\"></span> <span class=\"ls5 ws63\">to reflect th<span class=\"_ _1\"></span>e prop<span class=\"_ _1\"></span>erty\u2019<span class=\"_ _1\"></span>s </span></span></span></span>estima<span class=\"_ _1\"></span>ted op<span class=\"_ _1\"></span>en market<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e on an<span class=\"_ _1\"></span> indivi<span class=\"_ _1\"></span>dual as<span class=\"_ _1\"></span>set level<span class=\"ls6 ws31\">. Th<span class=\"_ _1\"></span>is increase<span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span></span></span>was rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed in o<span class=\"_ _1\"></span>ther compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e inco<span class=\"_ _1\"></span>me in t<span class=\"_ _1\"></span>he prop<span class=\"_ _1\"></span>erty r<span class=\"_ _1\"></span>evalua<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> reserve.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls8 ws58\">The revaluati<span class=\"_ _0\"></span>on surplus <span class=\"_ _0\"></span>net of<span class=\"_ _0\"></span> applicabl<span class=\"_ _0\"></span>e </span></span>defe<span class=\"_ _0\"></span>rred incom<span class=\"_ _0\"></span>e taxes is ac<span class=\"_ _0\"></span>cording<span class=\"_ _0\"></span>ly shown in \u2018o<span class=\"_ _0\"></span>ther<span class=\"_ _0\"></span> reser<span class=\"_ _0\"></span>ves\u2019 in share<span class=\"_ _0\"></span>holder<span class=\"_ _0\"></span>s\u2019 equit<span class=\"_ _0\"></span>y (no<span class=\"_ _0\"></span>te 19)<span class=\"_ _0\"></span>. <span class=\"ls1 ws1\"> </span>The Di<span class=\"_ _1\"></span>rectors<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> the c<span class=\"_ _1\"></span>arryin<span class=\"_ _1\"></span>g amou<span class=\"_ _1\"></span>nts a<span class=\"_ _1\"></span>s at 31<span class=\"_ _1\"></span> Decemb<span class=\"_ _1\"></span>er 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 <span class=\"_ _15\"> </span><span class=\"ls7 wsa0\">on the basis of management\u2019s </span></span>assessment<span class=\"_ _0\"></span>s of estim<span class=\"_ _0\"></span>ated c<span class=\"_ _0\"></span>hanges in si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant inputs to va<span class=\"_ _0\"></span>luatio<span class=\"_ _0\"></span>ns and othe<span class=\"_ _0\"></span>r devel<span class=\"_ _0\"></span>opments since<span class=\"_ _0\"></span> the last<span class=\"_ _0\"></span> exter<span class=\"_ _0\"></span>nal valuati<span class=\"_ _0\"></span>on, and concl<span class=\"_ _0\"></span>uded t<span class=\"_ _0\"></span>hat<span class=\"ls1 ws1\"> </span>no adjustm<span class=\"_ _0\"></span>ent to the<span class=\"_ _11\"></span>se carrying am<span class=\"_ _0\"></span>ounts wer<span class=\"_ _0\"></span>e necessar<span class=\"_ _0\"></span>y.<span class=\"ls1 ws1\"> </span>The Group i<span class=\"_ _0\"></span>s require<span class=\"_ _0\"></span>d to analyse<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">financial ass<span class=\"_ _1\"></span>ets carried at fai<span class=\"_ _1\"></span>r value by lev<span class=\"_ _1\"></span>el of the fai<span class=\"_ _1\"></span>r value hierarch<span class=\"_ _1\"></span>y </span></span>within<span class=\"_ _1\"></span> which<span class=\"_ _1\"></span> the re<span class=\"_ _1\"></span>currin<span class=\"_ _1\"></span>g fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ements<span class=\"_ _1\"></span> are cat<span class=\"_ _1\"></span>egori<span class=\"_ _1\"></span>sed in<span class=\"_ _1\"></span> their en<span class=\"_ _1\"></span>tiret<span class=\"_ _1\"></span>y (Lev<span class=\"_ _1\"></span>el 1, 2 o<span class=\"_ _1\"></span>r 3). <span class=\"_ _1\"></span>The differ<span class=\"_ _1\"></span>ent lev<span class=\"_ _1\"></span>els of th<span class=\"_ _1\"></span>e fair v<span class=\"_ _1\"></span>alu<span class=\"_ _1\"></span>e <span class=\"ls8 wsa\">hiera<span class=\"_ _0\"></span>rchy have be<span class=\"_ _0\"></span>en def<span class=\"_ _0\"></span>ined as fair<span class=\"_ _0\"></span> value m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>ments using<span class=\"_ _0\"></span>:<span class=\"ls1 ws1\"> </span></span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls5 ws6\">Qu<span class=\"_ _1\"></span>oted p<span class=\"_ _1\"></span>rices (u<span class=\"_ _1\"></span>nadj<span class=\"_ _1\"></span>usted<span class=\"_ _1\"></span>) in activ<span class=\"_ _1\"></span>e market<span class=\"_ _1\"></span>s for id<span class=\"_ _1\"></span>entica<span class=\"_ _1\"></span>l as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> (Level 1);<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 ws59\">Inputs other t<span class=\"_ _0\"></span>han q<span class=\"_ _0\"></span>uoted pri<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s include<span class=\"_ _0\"></span>d within L<span class=\"_ _0\"></span>evel 1<span class=\"_ _0\"></span> that a<span class=\"_ _0\"></span>re ob<span class=\"_ _0\"></span>servable<span class=\"_ _0\"></span> for the<span class=\"_ _0\"></span> asse<span class=\"_ _0\"></span>t, eit<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span> </span></span>directly (i.e. as<span class=\"_ _1\"></span> prices) or ind<span class=\"_ _1\"></span>irectly (i.e. d<span class=\"_ _1\"></span>erived from pric<span class=\"_ _1\"></span>es) (Lev<span class=\"_ _1\"></span>el 2);<span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 ws15\">Inputs for the asse<span class=\"_ _0\"></span>t that are<span class=\"_ _0\"></span> not based on obse<span class=\"_ _0\"></span>rvable m<span class=\"_ _0\"></span>arket data (<span class=\"_ _0\"></span>i.e.<span class=\"_ _0\"></span> unobservable<span class=\"_ _0\"></span> inputs) (L<span class=\"_ _0\"></span>evel 3).<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The B<span class=\"_ _0\"></span>ank\u2019s land and buildi<span class=\"_ _0\"></span>ngs com<span class=\"_ _0\"></span>prise vari<span class=\"_ _0\"></span>ous offi<span class=\"_ _0\"></span>ces and operat<span class=\"_ _0\"></span>ional pre<span class=\"_ _0\"></span>mises,<span class=\"_ _0\"></span> including the<span class=\"_ _0\"></span> Bank\u2019s head office<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span> subsidiary\u2019s land <span class=\"_ _0\"></span>and bui<span class=\"_ _0\"></span>ldings, w<span class=\"_ _0\"></span>ithin pro<span class=\"_ _0\"></span>perty,<span class=\"_ _0\"></span> plant a<span class=\"_ _0\"></span>nd equipme<span class=\"_ _0\"></span>nt, com<span class=\"_ _0\"></span>prises the<span class=\"_ _0\"></span> head of<span class=\"_ _0\"></span>fice<span class=\"_ _0\"></span>, mail de<span class=\"_ _0\"></span>liver<span class=\"_ _0\"></span>y hubs and re<span class=\"_ _0\"></span>tail<span class=\"_ _0\"></span> outlet<span class=\"_ _0\"></span>s. <span class=\"ls5 ws73\">All the Gr<span class=\"_ _1\"></span>oup\u2019s<span class=\"_ _1\"></span> recurrin<span class=\"_ _1\"></span>g pro<span class=\"_ _1\"></span>perty fa<span class=\"_ _1\"></span>ir value mea<span class=\"_ _1\"></span>suremen<span class=\"_ _1\"></span>ts u<span class=\"_ _1\"></span>se </span>significant<span class=\"_ _1\"></span> unobs<span class=\"_ _1\"></span>ervable inputs and are acco<span class=\"_ _1\"></span>rdingly categorised<span class=\"_ _1\"></span> within Level 3 of th<span class=\"_ _1\"></span>e fair valuation hierar<span class=\"_ _0\"></span>chy.<span class=\"ls1 ws1\"> </span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs80f\">The G<span class=\"_ _0\"></span>roup\u2019s polic<span class=\"_ _0\"></span>y is t<span class=\"_ _0\"></span>o rec<span class=\"_ _0\"></span>ognise t<span class=\"_ _0\"></span>ransfer<span class=\"_ _0\"></span>s into a<span class=\"_ _0\"></span>nd o<span class=\"_ _0\"></span>ut of<span class=\"_ _0\"></span> fair val<span class=\"_ _0\"></span>ue hie<span class=\"_ _0\"></span>rarchy<span class=\"_ _0\"></span> leve<span class=\"_ _0\"></span>ls as of<span class=\"_ _11\"></span> the beginning of<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs810\">the rep<span class=\"_ _1\"></span>ortin<span class=\"_ _1\"></span>g period<span class=\"_ _1\"></span>. There wer<span class=\"_ _1\"></span>e no t<span class=\"_ _1\"></span>rans<span class=\"_ _1\"></span>fers bet<span class=\"_ _1\"></span>ween differ<span class=\"_ _1\"></span>ent lev<span class=\"_ _1\"></span>els of t<span class=\"_ _1\"></span>he fair v<span class=\"_ _1\"></span>alue hiera<span class=\"_ _1\"></span>rchy d<span class=\"_ _1\"></span>urin<span class=\"_ _1\"></span>g </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs811\">the yea<span class=\"_ _1\"></span>rs end<span class=\"_ _1\"></span>ed 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">and 202</span>4.<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs812\">A reconciliation<span class=\"_ _1\"></span> from the open<span class=\"_ _1\"></span>ing balan<span class=\"_ _1\"></span>ce to the closin<span class=\"_ _1\"></span>g balance of land and bui<span class=\"_ _1\"></span>ldings for recurring fair<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs813\">valu<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ements c<span class=\"_ _1\"></span>ategori<span class=\"_ _1\"></span>sed<span class=\"_ _1\"></span> within<span class=\"_ _1\"></span> Level 3 o<span class=\"_ _1\"></span>f the value hi<span class=\"_ _1\"></span>erarchy<span class=\"_ _1\"></span>, is reflect<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> the tab<span class=\"_ _1\"></span>le above. Th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs814\">principal<span class=\"_ _0\"></span> moveme<span class=\"_ _0\"></span>nts for the years e<span class=\"_ _0\"></span>nded 31 <span class=\"ls5 ws3b\">Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span><span class=\"ls6 ws1c\">an<span class=\"_ _1\"></span>d 202</span>4 <span class=\"_ _1\"></span></span>are <span class=\"_ _1\"></span>extens<span class=\"_ _1\"></span>ively d<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>cribed wi<span class=\"_ _1\"></span>th th<span class=\"_ _1\"></span>e </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs815\">tabl<span class=\"_ _1\"></span>es referr<span class=\"_ _1\"></span>ed to <span class=\"ls7 ws4e\">abov<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\">. </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs816\">For all G<span class=\"_ _0\"></span>roup prope<span class=\"_ _0\"></span>rtie<span class=\"_ _0\"></span>s, their c<span class=\"_ _0\"></span>urrent<span class=\"_ _0\"></span> use equate<span class=\"_ _0\"></span>s to the hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>st and best u<span class=\"_ _0\"></span>se.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs817\">12.2 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Valuation<span class=\"_ _1\"></span> processes<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6e gs818\">The valuations of the prope<span class=\"_ _0\"></span>rties are pe<span class=\"_ _0\"></span>rformed on a periodic basis taking into con<span class=\"_ _0\"></span>sideration the valuatio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs819\">reports pr<span class=\"_ _0\"></span>epared by i<span class=\"_ _0\"></span>ndepend<span class=\"_ _0\"></span>ent and qua<span class=\"_ _0\"></span>lifie<span class=\"_ _0\"></span>d valuer<span class=\"_ _0\"></span>s. These<span class=\"_ _0\"></span> repor<span class=\"_ _0\"></span>ts are base<span class=\"_ _0\"></span>d on both:<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs81a\">-<span class=\"ff9\"> <span class=\"_ _1e\"> </span><span class=\"ff1 ls8 ws67\">informa<span class=\"_ _0\"></span>tion provide<span class=\"_ _0\"></span>d by the<span class=\"_ _0\"></span> Bank such<span class=\"_ _0\"></span> as cur<span class=\"_ _0\"></span>rent te<span class=\"_ _0\"></span>rms and c<span class=\"_ _0\"></span>onditio<span class=\"_ _0\"></span>ns of le<span class=\"_ _0\"></span>ase agr<span class=\"_ _0\"></span>eem<span class=\"_ _0\"></span>ents. T<span class=\"_ _0\"></span>his </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs81b\">inform<span class=\"_ _0\"></span>ation is de<span class=\"_ _0\"></span>rived f<span class=\"_ _0\"></span>rom the B<span class=\"_ _0\"></span>ank\u2019s financ<span class=\"_ _0\"></span>ial syst<span class=\"_ _0\"></span>ems a<span class=\"_ _0\"></span>nd is subje<span class=\"_ _0\"></span>ct to the<span class=\"_ _0\"></span> Bank<span class=\"_ _0\"></span>\u2019s ove<span class=\"_ _0\"></span>rall co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs81c\">environm<span class=\"_ _0\"></span>ent; and<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs81d\">-<span class=\"ff9\"> <span class=\"_ _1e\"> </span><span class=\"ff1 ls8 ws11\">assumptions and <span class=\"_ _0\"></span>valuati<span class=\"_ _0\"></span>on mo<span class=\"_ _0\"></span>dels used by<span class=\"_ _0\"></span> the val<span class=\"_ _0\"></span>uers <span class=\"ls1 ws1\">\u2013 <span class=\"ls5 ws3b\">the ass<span class=\"_ _1\"></span>umpti<span class=\"_ _1\"></span>ons are t<span class=\"_ _1\"></span>ypica<span class=\"_ _1\"></span>lly mar<span class=\"_ _1\"></span>ket relat<span class=\"_ _1\"></span>ed, </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs81e\">such as re<span class=\"_ _0\"></span>ntal yie<span class=\"_ _0\"></span>lds, di<span class=\"_ _0\"></span>scount r<span class=\"_ _0\"></span>ates and<span class=\"_ _0\"></span> sales <span class=\"_ _0\"></span>price<span class=\"_ _0\"></span>s. These<span class=\"_ _0\"></span> are base<span class=\"_ _0\"></span>d on profe<span class=\"_ _0\"></span>ssional<span class=\"_ _0\"></span> judge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs81f\">market observation.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs820\">The inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion provide<span class=\"_ _0\"></span>d to the<span class=\"_ _0\"></span> valuer<span class=\"_ _0\"></span>s, toge<span class=\"_ _0\"></span>ther w<span class=\"_ _0\"></span>ith the<span class=\"_ _0\"></span> assumpti<span class=\"_ _0\"></span>ons and<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>valuatio<span class=\"_ _0\"></span>n mode<span class=\"_ _0\"></span>ls used b<span class=\"_ _0\"></span>y </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs821\">the v<span class=\"_ _1\"></span>aluers<span class=\"_ _1\"></span>, are rev<span class=\"_ _1\"></span>iewed by<span class=\"_ _1\"></span> managem<span class=\"_ _1\"></span>ent.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs822\">When mana<span class=\"_ _0\"></span>gement c<span class=\"_ _0\"></span>onsiders that the<span class=\"_ _0\"></span> valuation r<span class=\"_ _0\"></span>eport is appr<span class=\"_ _0\"></span>opriate<span class=\"_ _0\"></span>, the valua<span class=\"_ _0\"></span>tion repo<span class=\"_ _0\"></span>rt is conside<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs823\">by the Aud<span class=\"_ _1\"></span>it &amp; Risk Committee as<span class=\"_ _1\"></span> part of its<span class=\"_ _1\"></span> monitoring respon<span class=\"_ _1\"></span>sibility<span class=\"_ _1\"></span> for effective financial<span class=\"_ _1\"></span> reporting.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs824\">At the e<span class=\"_ _0\"></span>nd of eve<span class=\"_ _0\"></span>ry repo<span class=\"_ _0\"></span>rting pe<span class=\"_ _0\"></span>riod, m<span class=\"_ _0\"></span>anagement<span class=\"_ _0\"></span> assess w<span class=\"_ _0\"></span>hether<span class=\"_ _0\"></span> any signif<span class=\"_ _0\"></span>icant c<span class=\"_ _0\"></span>hanges<span class=\"_ _0\"></span> or deve<span class=\"_ _0\"></span>lopme<span class=\"_ _0\"></span>nts </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs825\">hav<span class=\"_ _1\"></span>e been exp<span class=\"_ _1\"></span>erienced s<span class=\"_ _1\"></span>ince t<span class=\"_ _1\"></span>he last<span class=\"_ _1\"></span> externa<span class=\"_ _1\"></span>l valua<span class=\"_ _1\"></span>tion.<span class=\"_ _1\"></span> This is su<span class=\"_ _1\"></span>pported<span class=\"_ _1\"></span> by an ass<span class=\"_ _1\"></span>essment<span class=\"_ _1\"></span> performed<span class=\"_ _1\"></span> by </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs826\">the inde<span class=\"_ _0\"></span>pendent f<span class=\"_ _0\"></span>irm o<span class=\"_ _0\"></span>f proper<span class=\"_ _0\"></span>ty valuer<span class=\"_ _0\"></span>s. Manag<span class=\"ls5 ws7\">ement<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"lsa ws24\">report</span>s<span class=\"_ _1\"></span> <span class=\"_ _13\"></span></span></span>to the A<span class=\"_ _0\"></span>udit and<span class=\"_ _0\"></span> Risk C<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>ittee on the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs827\">outc<span class=\"_ _1\"></span>ome of thi<span class=\"_ _1\"></span>s ass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>t.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs828\">12.3 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls8 wsa\">Valuation t<span class=\"_ _0\"></span>echnique<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls18 ws74 gs829\">The <span class=\"_ _13\"></span><span class=\"ls6 ws19\">Level 3 fair val<span class=\"_ _1\"></span>uation of the <span class=\"lsd ws44\">Bank<span class=\"ls5 ws63\">\u2019<span class=\"_ _1\"></span>s proper<span class=\"_ _1\"></span>ty was d<span class=\"_ _1\"></span>etermined<span class=\"_ _1\"></span> </span></span>using a multi<span class=\"ls1 ws1\">-</span>criteria a<span class=\"_ _1\"></span>ppro<span class=\"_ _1\"></span>ach<span class=\"ls5 ws63\">, namely<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs82a\">the <span class=\"_ _15\"> </span><span class=\"ls6 ws10\">rent capitalis<span class=\"_ _1\"></span>ation method<span class=\"_ _1\"></span> <span class=\"ls7 ws4e\">and<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span><span class=\"wsf\">an adjusted sales compar<span class=\"_ _0\"></span>ison approach<span class=\"ls8 ws36\">, wit<span class=\"_ _0\"></span>h every<span class=\"_ _0\"></span> prope<span class=\"_ _0\"></span>rty being<span class=\"_ _11\"></span> </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs82b\">valued util<span class=\"_ _0\"></span>ising the<span class=\"_ _0\"></span> valuation <span class=\"_ _0\"></span>tec<span class=\"_ _0\"></span>hnique consi<span class=\"_ _0\"></span>dered by t<span class=\"_ _0\"></span>he ext<span class=\"_ _0\"></span>ernal val<span class=\"_ _0\"></span>uer to be<span class=\"_ _0\"></span> the most appropr<span class=\"_ _0\"></span>iate f<span class=\"_ _0\"></span>or </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs82c\">the res<span class=\"_ _1\"></span>pectiv<span class=\"_ _1\"></span>e prop<span class=\"_ _1\"></span>erty.<span class=\"ls1 ws1\">  </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs82d\">The e<span class=\"_ _0\"></span>xterna<span class=\"_ _0\"></span>l valuations of<span class=\"_ _11\"></span> the subsidiary\u2019<span class=\"_ _0\"></span>s Leve<span class=\"_ _0\"></span>l 3 pr<span class=\"_ _0\"></span>operty <span class=\"_ _0\"></span>have be<span class=\"_ _0\"></span>en perf<span class=\"_ _0\"></span>orme<span class=\"_ _0\"></span>d using <span class=\"ws16\">p<span class=\"_ _0\"></span>redom<span class=\"_ _0\"></span>inantly <span class=\"_ _1\"></span><span class=\"lsc ws38\">an </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs82e\">adjusted sales comparison  ap<span class=\"_ _0\"></span>proach<span class=\"ls1\">. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2b gs82f\">In vi<span class=\"_ _1\"></span>ew of a l<span class=\"_ _1\"></span>imited<span class=\"_ _1\"></span> numb<span class=\"_ _1\"></span>er of<span class=\"_ _1\"></span> si<span class=\"_ _1\"></span>milar <span class=\"ls8 ws13\">or comparable pr<span class=\"_ _0\"></span>operties and pr<span class=\"_ _0\"></span>operty tr<span class=\"_ _0\"></span><span class=\"ls7 ws4e\">ansactions, <span class=\"_ _11\"></span><span class=\"ls6 ws12\">comp<span class=\"_ _1\"></span>rising sal<span class=\"_ _1\"></span>es </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs830\">or rentals<span class=\"_ _1\"></span> in the local <span class=\"ls7 wsf\">marke<span class=\"_ _1\"></span>t, the valuations have p<span class=\"ls8 ws36\">re<span class=\"_ _0\"></span>dominat<span class=\"_ _0\"></span>ely bee<span class=\"_ _0\"></span>n performe<span class=\"_ _0\"></span>d using unobser<span class=\"_ _0\"></span>vable<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs831\">inputs. The<span class=\"_ _0\"></span> signif<span class=\"_ _0\"></span>icant input<span class=\"_ _0\"></span>s t<span class=\"_ _0\"></span>o the approac<span class=\"_ _0\"></span>hes used ar<span class=\"_ _0\"></span>e ge<span class=\"_ _0\"></span>nerall<span class=\"_ _0\"></span>y those desc<span class=\"_ _0\"></span>ribed be<span class=\"_ _0\"></span>low:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs832\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls6 ws2e\">Rent capital<span class=\"_ _1\"></span>isation metho<span class=\"_ _1\"></span>d</span><span class=\"ff1\">: <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">a<span class=\"_ _1\"></span>n ann<span class=\"_ _1\"></span>ual ren<span class=\"_ _1\"></span>t rate p<span class=\"_ _1\"></span>er squa<span class=\"_ _1\"></span>re metre r<span class=\"_ _1\"></span>elated</span></span></span></div><div class=\"t m0 h2 ff2 fs0 fc0 sc0 ls1 ws1 gs833\"> <span class=\"_ _11\"></span><span class=\"ff1 fs1 ls9 wsa\">to <span class=\"_ _11\"></span><span class=\"ls7 ws5e\">trans<span class=\"_ _1\"></span>actions in <span class=\"ws4e\">c<span class=\"_ _0\"></span>omparable </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs834\">prop<span class=\"_ _1\"></span>erties <span class=\"ls8 ws15\">located in prox<span class=\"_ _0\"></span>imity to the re<span class=\"_ _0\"></span>specti<span class=\"_ _0\"></span>ve property, w<span class=\"_ _0\"></span>ith signi<span class=\"_ _0\"></span>ficant<span class=\"_ _0\"></span> adjustme<span class=\"_ _0\"></span>nts for diff<span class=\"_ _0\"></span>erences </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws84 gs835\">in the size, age, exac<span class=\"_ _0\"></span>t location and condition of the property<span class=\"ls1 ws1\">, <span class=\"_ _0\"></span><span class=\"ls5 ws45\">togeth<span class=\"_ _1\"></span>er wit<span class=\"_ _1\"></span>h a <span class=\"ls8 ws53\">growth rate and a </span><span class=\"ws7\">market </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs836\">capitalis<span class=\"_ _1\"></span>ation rate u<span class=\"_ _1\"></span>tilised for capi<span class=\"_ _1\"></span>talisation<span class=\"_ _1\"></span> of rental income st<span class=\"_ _1\"></span>reams.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs837\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls5 wse9\">Adju<span class=\"_ _1\"></span>sted s<span class=\"_ _1\"></span>ales co<span class=\"_ _1\"></span>mp<span class=\"ls7 ws169\">arison approach<span class=\"lsd ws44\">: <span class=\"_ _1b\"> </span></span></span>a sa<span class=\"_ _1\"></span>les pri<span class=\"_ _1\"></span>ce per sq<span class=\"_ _1\"></span>uare met<span class=\"_ _1\"></span>re related<span class=\"_ _1\"></span> to tra<span class=\"_ _1\"></span>nsac<span class=\"_ _1\"></span>tions in </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs838\">compara<span class=\"_ _0\"></span>ble prope<span class=\"_ _0\"></span>rties loc<span class=\"_ _0\"></span>ated in proxim<span class=\"_ _0\"></span>ity to the<span class=\"_ _0\"></span> <span class=\"ls5 ws7\">resp<span class=\"_ _1\"></span>ectiv<span class=\"_ _1\"></span>e <span class=\"_ _0\"></span><span class=\"ls8 ws13\">proper<span class=\"_ _0\"></span>ty, with si<span class=\"_ _0\"></span>gnificant a<span class=\"_ _0\"></span>djustments f<span class=\"_ _0\"></span>or </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs839\">differ<span class=\"_ _1\"></span>ences in<span class=\"_ _1\"></span> <span class=\"ws7\">the <span class=\"ls7 ws1\">size, age, exact location and condition of t<span class=\"_ _0\"></span>he property. <span class=\"ls1\"> </span></span></span></div>12.4 <span class=\"_ _1d\"> </span><span class=\"ls1 ws1\"> <span class=\"_ _1d\"> </span> <span class=\"_ _1d\"> </span> <span class=\"_ _1d\"> </span><span class=\"ls8 ws58\">Information a<span class=\"_ _0\"></span>bout fair value<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ements using<span class=\"_ _0\"></span> signif<span class=\"_ _0\"></span>icant unobse<span class=\"_ _0\"></span>rvable i<span class=\"_ _0\"></span>nputs (Leve<span class=\"_ _0\"></span>l 3)<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls7 ws78\">as at</span>  <span class=\"ls6 ws8\">31 </span></span></span></span>December 2025<span class=\"ls1 ws1\"> </span>a<span class=\"_ _1\"></span>nd 2024<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">fo<span class=\"_ _1\"></span>r the Gro<span class=\"_ _1\"></span>up\u2019s<span class=\"_ _1\"></span> entir<span class=\"_ _1\"></span>e proper<span class=\"_ _1\"></span>ty port<span class=\"_ _1\"></span>folio<span class=\"_ _1\"></span></span> </span><table class=\"s w24e h202\" id=\"_db424451-5ec1-4bee-998a-934bda0504c7\"><tr><td></td><td></td><td></td><td class=\"c x43d y234a w176 hec\"><div class=\"t m0 x6b h29 yfda ff3 fs8 fc0 sc0 ls27 ws98\">Signifi<span class=\"_ _1\"></span>cant <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"c x43e y234a w177 hec\"><div class=\"t m0 x27 h29 yfda ff3 fs8 fc0 sc0 ls28 ws0\">Range of </div></td></tr><tr><td class=\"t m0 x43f h29 y234b ff3 fs8 fc0 sc0 ls28 ws0\">Description by<span class=\"_ _1\"></span> class based </td><td></td><td class=\"t m0 x440 h29 y234b ff3 fs8 fc0 sc0 ls27 ws98\">Valuat<span class=\"_ _1\"></span>ion </td><td class=\"t m0 x441 h29 y234b ff3 fs8 fc0 sc0 ls28 ws99\">unobservable<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td></td><td class=\"c x43e y234a w177 hec\"><div class=\"t m0 xd h29 y979 ff3 fs8 fc0 sc0 ls28 ws0\">unobservable<span class=\"_ _1\"></span> inputs </div></td></tr><tr><td class=\"c x442 y234a w174 hec\"><div class=\"t m0 x7e h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">on highest and best<span class=\"_ _1\"></span> use<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x443 y234a w116 hec\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Fair v<span class=\"_ _1\"></span>alue<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x444 y234a w175 hec\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">technique<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43d y234a w176 hec\"><div class=\"t m0 x106 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls28 ws99\"></span><span class=\"ls28 ws99\">input</span>s<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x43e y234a w177 hec\"><div class=\"t m0 x6e h29 y3eb ff3 fs8 fc0 sc0 ls6f ws113\">(weighted<span class=\"_ _0\"></span> average)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x442 y234c w174 h36\"><div class=\"t m0 x10 h25 y1997 ff1 fs8 fc0 sc0 ls4 ws9a\">Current us<span class=\"_ _1\"></span>e as Bank\u2019s o<span class=\"_ _1\"></span>ffices </div></td><td class=\"c x443 y234c w116 h36\"><div class=\"t m0 x11 h25 y1997 ff1 fs8 fc0 sc0 ls1 ws1\">\u20ac21 <span class=\"ls28 ws99\">million</span><span class=\"ffb\"> </span></div></td><td class=\"c x444 y234c w175 h36\"><div class=\"t m0 x10 h25 y1997 ff1 fs8 fc0 sc0 ls29 ws98\">Rent capi<span class=\"_ _1\"></span>talisa<span class=\"_ _1\"></span>tion </div></td><td class=\"c x43d y234c w176 h36\"><div class=\"t m0 xe2 h25 y1997 ff1 fs8 fc0 sc0 ls29 ws98\">Rental va<span class=\"_ _1\"></span>lue <span class=\"ls1 ws1\">(\u20ac/sqm) </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x445 h25 y234d ff1 fs8 fc0 sc0 ls29 ws98\">and operat<span class=\"_ _1\"></span>ional <span class=\"_ _1\"></span>premises<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></td><td></td><td class=\"t m0 x446 h25 y234d ff1 fs8 fc0 sc0 ls29 ws9a\">method<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></td><td class=\"t m0 x447 h25 y234d ff1 fs8 fc0 sc0 ls2a ws99\">Growth rate<span class=\"ls1 ws1\"> <span class=\"ls3 ws114\">(%)</span> </span></td><td></td><td class=\"t m0 x448 h25 y234d ff1 fs8 fc0 sc0 ls1 ws1\">60 \u2013 367 (226) </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x449 h25 y234e ff1 fs8 fc0 sc0 ls28 ws0\">Capitalisat<span class=\"_ _1\"></span>ion rate </td><td></td><td class=\"t m0 x44a h25 y234e ff1 fs8 fc0 sc0 ls1 ws1\">2 <span class=\"ls29 ws98\">per annum</span><span class=\"ls29 ws98\"><span class=\"_ _1\"></span></span> </td></tr><tr><td></td><td></td><td></td><td class=\"c x43d y234c w176 h36\"><div class=\"t m0 xc h25 y3eb ff1 fs8 fc0 sc0 ls3 ws114\">(%)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x44b y234f w24f h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">6 \u2013 8<span class=\"_ _bc\"> </span></div></td><td class=\"c x44c y234f w250 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">(7)<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y2350 w116 he5\"><div class=\"t m0 x11 h25 yfda ff1 fs8 fc0 sc0 ls28 ws0\">\u20ac17 million<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x444 y2350 w175 he5\"><div class=\"t m0 x90 h25 yfda ff1 fs8 fc0 sc0 ls29 ws9c\">Adjusted sa<span class=\"_ _1\"></span>les </div></td><td class=\"c x43d y2350 w176 he5\"><div class=\"t m0 xb5 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Sales price p<span class=\"_ _1\"></span>er <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x44d y2351 w251 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">2,000 \u2013<span class=\"_ _bc\"> </span></div></td><td class=\"c x44e y2351 w228 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">15,000<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x44f h25 y2352 ff1 fs8 fc0 sc0 ls29 ws9a\">compa<span class=\"_ _1\"></span>rison </td><td class=\"t m0 x450 h25 y2352 ff1 fs8 fc0 sc0 ls4 ws9a\">square metre<span class=\"ls1 ws1\"> (<span class=\"_ _1\"></span>\u20ac)<span class=\"ffb\"> </span></span></td><td class=\"t m0 x451 h25 y2352 ff1 fs8 fc0 sc0 ls1 ws1\" colspan=\"2\">(3,179) </td></tr><tr><td></td><td></td><td class=\"c x444 y2350 w175 he5\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">approac<span class=\"_ _1\"></span>h<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x442 y2353 w174 h36\"><div class=\"t m0 x10 h25 y3e8 ff1 fs8 fc0 sc0 ls4 ws9a\">Current us<span class=\"_ _1\"></span>e as subsi<span class=\"_ _1\"></span>diary\u2019s </div></td><td class=\"c x443 y2353 w116 h36\"><div class=\"t m0 x11 h25 y3e8 ff1 fs8 fc0 sc0 ls1 ws1\">\u20ac19 <span class=\"ls28 ws99\">million</span><span class=\"ffb\"> </span></div></td><td class=\"c x444 y2353 w175 h36\"><div class=\"t m0 x90 h25 y3e8 ff1 fs8 fc0 sc0 ls29 ws9c\">Adjusted sa<span class=\"_ _1\"></span>les </div></td><td class=\"c x43d y2353 w176 h36\"><div class=\"t m0 xb5 h25 y3e8 ff1 fs8 fc0 sc0 ls4 ws9a\">Sales price p<span class=\"_ _1\"></span>er <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x452 y2354 w251 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">1,500 \u2013<span class=\"_ _bc\"> </span></div></td><td class=\"c x453 y2354 w252 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">6,900<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"t m0 x445 h25 y2355 ff1 fs8 fc0 sc0 ls4 ws9a\">offic<span class=\"_ _1\"></span>e premises, reta<span class=\"_ _1\"></span>il </td><td></td><td class=\"t m0 x44f h25 y2355 ff1 fs8 fc0 sc0 ls29 ws9a\">compa<span class=\"_ _1\"></span>rison </td><td class=\"t m0 x450 h25 y2355 ff1 fs8 fc0 sc0 ls4 ws9a\">square metre (<span class=\"_ _1\"></span>\u20ac)<span class=\"ffb ls1 ws1\"> </span></td><td></td><td class=\"t m0 x451 h25 y2355 ff1 fs8 fc0 sc0 ls1 ws1\">(4,116) </td></tr><tr><td class=\"t m0 x445 h25 y2356 ff1 fs8 fc0 sc0 ls28 ws0\">outlets and ma<span class=\"_ _1\"></span>il delivery </td><td></td><td class=\"t m0 x454 h25 y2356 ff1 fs8 fc0 sc0 ls29 ws9a\">approac<span class=\"_ _1\"></span>h<span class=\"ffb ls1 ws1\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c x442 y2353 w174 h36\"><div class=\"t m0 x7e h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">hubs<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table>The hig<span class=\"_ _0\"></span>her the<span class=\"_ _0\"></span> rental<span class=\"_ _0\"></span> value or <span class=\"_ _0\"></span>the <span class=\"ls5 ws7\">growth <span class=\"ws45\">rate, th<span class=\"_ _1\"></span>e higher t<span class=\"_ _1\"></span>he result<span class=\"_ _1\"></span>ant fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue. Con<span class=\"_ _1\"></span>versely,<span class=\"_ _1\"></span> the lower<span class=\"_ _1\"></span> the </span></span>capitalis<span class=\"_ _1\"></span>ation<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">ra<span class=\"_ _1\"></span>te, th<span class=\"_ _1\"></span>e higher t<span class=\"_ _1\"></span>he resu<span class=\"_ _1\"></span>ltan<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue.</span> </span>The hig<span class=\"_ _0\"></span>her the<span class=\"_ _0\"></span> sales pri<span class=\"_ _0\"></span>ce pe<span class=\"_ _0\"></span>r square me<span class=\"_ _0\"></span>tre, the<span class=\"_ _0\"></span> higher<span class=\"_ _0\"></span> the resulta<span class=\"_ _0\"></span>nt fair val<span class=\"_ _0\"></span>uation.<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span> </span>12.5     Historica<span class=\"_ _1\"></span>l cost of lan<span class=\"_ _1\"></span>d and buildi<span class=\"_ _1\"></span>ngs<span class=\"ls1 ws1\"> </span>If the l<span class=\"_ _0\"></span>and and building<span class=\"_ _0\"></span>s we<span class=\"_ _0\"></span>re stated o<span class=\"_ _0\"></span>n the histori<span class=\"_ _0\"></span>cal co<span class=\"_ _0\"></span>st b<span class=\"_ _0\"></span>asis, the ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ounts w<span class=\"_ _0\"></span>ould be as f<span class=\"_ _0\"></span>ollow<span class=\"_ _0\"></span>s:<span class=\"ls1 ws1\"> </span><table class=\"s w253 h203\" id=\"_5f36d01f-d786-409a-9710-c15933d425e8\"><tr><td></td><td></td><td class=\"c x3fe y2357 wc8 h18\"><div class=\"t m0 xf4 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y2357 wc8 h18\"><div class=\"t m0 x108 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y2358 w54 h18\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y2358 wd5 h18\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2358 w54 h18\"><div class=\"t m0 xb5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y2358 wd5 h18\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y2359 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y2359 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2359 w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y2359 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y235a w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y235a w54 h18\"><div class=\"t m0 xcb h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">38,510<span class=\"_ _bc\"> </span></div></td><td class=\"c x400 y235a wd5 h18\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">38,331<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y235a w54 h18\"><div class=\"t m0 xcb h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">24,380<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y235a wd5 h18\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,526<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y235b w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y235b w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,095)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y235b wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,743)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y235b w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3,378)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y235b wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,086)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y235c w99 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Net book amount at 31 Dece<span class=\"_ _0\"></span>mber<span class=\"ffa ls1\"> </span></div></td><td class=\"c x3fe y235c w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">34,415<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y235c wd5 h18\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">34,588<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y235c w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">21,002<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y235c wd5 h18\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">21,440<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-483": {
   "value": "2.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">F<span class=\"_ _1\"></span>inanc<span class=\"_ _1\"></span>ial risk m<span class=\"_ _1\"></span>anagemen<span class=\"_ _1\"></span>t <span class=\"ff5 fs1 lsb ws2c\">(continued)</span></span><span class=\"ff1 fs1\"> </span></span>2.8<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Fair values o<span class=\"_ _1\"></span>f financial ass<span class=\"_ _1\"></span>ets and liabili<span class=\"_ _1\"></span>ties<span class=\"ls1 ws1\"> </span></span>2.8.1<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts measur<span class=\"_ _0\"></span>ed at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>The G<span class=\"_ _0\"></span>roup\u2019s fina<span class=\"_ _0\"></span>ncial inst<span class=\"_ _0\"></span>ruments w<span class=\"_ _0\"></span>hich ar<span class=\"_ _0\"></span>e carr<span class=\"_ _0\"></span>ied at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> include<span class=\"_ _0\"></span> the G<span class=\"_ _0\"></span>roup\u2019s de<span class=\"_ _0\"></span>bt securi<span class=\"_ _0\"></span>ties and<span class=\"_ _0\"></span> equity instr<span class=\"_ _0\"></span>uments m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at FVOC<span class=\"_ _0\"></span>I (note 6)<span class=\"_ _0\"></span>.  The Group i<span class=\"_ _0\"></span>s require<span class=\"_ _0\"></span>d to disclo<span class=\"_ _0\"></span>se fair<span class=\"_ _0\"></span> value me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nts by lev<span class=\"_ _1\"></span>el of th<span class=\"_ _1\"></span>e fol<span class=\"_ _1\"></span>lowing<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alu<span class=\"_ _1\"></span>e meas<span class=\"_ _1\"></span>ure<span class=\"ls8 ws3c\">ment hierarc<span class=\"_ _0\"></span>hy for financ<span class=\"_ _0\"></span>ial instrume<span class=\"_ _0\"></span>nts that are<span class=\"_ _0\"></span> measured i<span class=\"_ _0\"></span>n </span>the statement of<span class=\"_ _0\"></span> financial position at f<span class=\"_ _0\"></span>air value:<span class=\"ls1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls5 ws6\">Quoted<span class=\"_ _1\"></span> prices<span class=\"_ _1\"></span> (una<span class=\"_ _1\"></span>djus<span class=\"_ _1\"></span>ted) in a<span class=\"_ _1\"></span>ctive mar<span class=\"_ _1\"></span>kets fo<span class=\"_ _1\"></span>r ident<span class=\"_ _1\"></span>ical a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s (Lev<span class=\"_ _1\"></span>el 1).</span> \u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs ot<span class=\"_ _0\"></span>her than<span class=\"_ _0\"></span> quoted pri<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s include<span class=\"_ _0\"></span>d withi<span class=\"_ _0\"></span>n Level<span class=\"_ _0\"></span> 1 that<span class=\"_ _0\"></span> are obse<span class=\"_ _0\"></span>rvable f<span class=\"_ _0\"></span>or the as<span class=\"_ _0\"></span>set <span class=\"_ _0\"></span>eithe<span class=\"_ _0\"></span>r dire<span class=\"_ _0\"></span>ctly </span>i.e. as prices<span class=\"_ _1\"></span>, or indirectly<span class=\"_ _1\"></span> i.e. derived from pric<span class=\"_ _1\"></span>es (Level 2).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Inputs for t<span class=\"_ _0\"></span>he asse<span class=\"_ _0\"></span>t that are<span class=\"_ _0\"></span> not base<span class=\"_ _0\"></span>d on obse<span class=\"_ _0\"></span>rvable m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>t data i.e<span class=\"_ _0\"></span>. unobservabl<span class=\"_ _0\"></span>e inpu<span class=\"_ _0\"></span>ts (Leve<span class=\"_ _0\"></span>l 3).<span class=\"ls1 ws1\"> </span></span>The IF<span class=\"_ _0\"></span>RS 13 hierar<span class=\"_ _0\"></span>chy of val<span class=\"_ _0\"></span>uation tec<span class=\"_ _0\"></span>hniques is base<span class=\"_ _0\"></span>d on w<span class=\"_ _0\"></span>hether<span class=\"_ _0\"></span> the inputs to<span class=\"_ _0\"></span> those val<span class=\"_ _0\"></span>uation te<span class=\"_ _0\"></span>chniques<span class=\"_ _0\"></span> are obser<span class=\"_ _0\"></span>vable or<span class=\"_ _0\"></span> unob<span class=\"_ _0\"></span>servabl<span class=\"_ _0\"></span>e. Obse<span class=\"_ _0\"></span>rvable<span class=\"_ _0\"></span> inputs re<span class=\"_ _0\"></span>fle<span class=\"_ _0\"></span>ct mar<span class=\"_ _0\"></span>ket data <span class=\"_ _0\"></span>obtaine<span class=\"_ _0\"></span>d from<span class=\"_ _0\"></span> inde<span class=\"_ _0\"></span>pendent<span class=\"_ _0\"></span> sources;<span class=\"_ _0\"></span> unobservable<span class=\"_ _0\"></span> inputs r<span class=\"_ _0\"></span>efle<span class=\"_ _0\"></span>ct the<span class=\"_ _0\"></span> Bank\u2019s ma<span class=\"_ _0\"></span>rket assum<span class=\"_ _0\"></span>ptions. <span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs only r<span class=\"_ _0\"></span>eleva<span class=\"_ _0\"></span>nt and o<span class=\"_ _0\"></span>bservable<span class=\"_ _0\"></span> mark<span class=\"_ _0\"></span>et pr<span class=\"_ _0\"></span>ices i<span class=\"_ _0\"></span>n its val<span class=\"_ _0\"></span>uations.<span class=\"_ _0\"></span> Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span>s of f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assets and financial liabiliti<span class=\"_ _0\"></span>es that are traded in acti<span class=\"_ _0\"></span>ve markets are based on quoted market pri<span class=\"_ _0\"></span>ces or deale<span class=\"_ _0\"></span>r price quo<span class=\"_ _0\"></span>tations.  <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>The fair va<span class=\"_ _1\"></span>lue of the <span class=\"_ _1\"></span>Bank\u2019s fin<span class=\"_ _1\"></span>ancial ass<span class=\"_ _1\"></span>ets measured a<span class=\"_ _1\"></span>t FVO<span class=\"_ _1\"></span>CI, which ar<span class=\"_ _1\"></span>e principally<span class=\"_ _1\"></span> traded in<span class=\"_ _1\"></span> active markets<span class=\"_ _1\"></span>, is ma<span class=\"_ _1\"></span>inly<span class=\"_ _1\"></span> based<span class=\"_ _1\"></span> on q<span class=\"_ _1\"></span>uot<span class=\"_ _1\"></span>ed market<span class=\"_ _1\"></span> pric<span class=\"_ _1\"></span>es. Hen<span class=\"_ _1\"></span>ce, a<span class=\"_ _1\"></span>s a<span class=\"_ _1\"></span>t 31 Dec<span class=\"_ _1\"></span>ember <span class=\"_ _1\"></span>202<span class=\"ls1 ws1\">5 <span class=\"ls8 wsa\">and 2<span class=\"_ _1\"></span>02</span>4<span class=\"ls6 ws7\">, the principal </span></span>financi<span class=\"_ _0\"></span>al instrum<span class=\"_ _0\"></span>ents that ar<span class=\"_ _0\"></span>e measure<span class=\"_ _0\"></span>d at fair value<span class=\"_ _0\"></span>, consisting of<span class=\"_ _0\"></span> the inve<span class=\"_ _0\"></span>stments measur<span class=\"_ _0\"></span>ed at FV<span class=\"_ _0\"></span>OCI, were valued<span class=\"_ _1\"></span> using prin<span class=\"_ _1\"></span>cipally Level 1 inpu<span class=\"_ _1\"></span>ts. <span class=\"ls1 ws1\"> </span>No tr<span class=\"_ _1\"></span>ansfer<span class=\"_ _1\"></span>s of fin<span class=\"_ _1\"></span>ancial<span class=\"_ _1\"></span> inst<span class=\"_ _1\"></span>ruments b<span class=\"_ _1\"></span>etween<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ent le<span class=\"_ _1\"></span>vels o<span class=\"_ _1\"></span>f the fair v<span class=\"_ _1\"></span>alue h<span class=\"_ _1\"></span>ierarc<span class=\"_ _1\"></span>hy h<span class=\"_ _1\"></span>ave oc<span class=\"_ _1\"></span>curred during th<span class=\"_ _1\"></span>e financial years<span class=\"_ _1\"></span> ended 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 </span>and<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">4<span class=\"lsa ws24\">. </span> </span>2.8.2<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span><span class=\"ls8 wsa\">Financial<span class=\"_ _0\"></span> instrume<span class=\"_ _0\"></span>nts not me<span class=\"_ _0\"></span>asured at f<span class=\"_ _0\"></span>air value<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></span></span>Loans and advances<span class=\"_ _0\"></span> to banks<span class=\"_ _0\"></span> and customers <span class=\"ls1 ws1\"> </span> <span class=\"_ _95\"> </span><span class=\"ls5 ws3b\">These ca<span class=\"_ _1\"></span>tego<span class=\"_ _1\"></span>ries of a<span class=\"_ _1\"></span>ssets<span class=\"_ _1\"></span> are pr<span class=\"_ _1\"></span>esented<span class=\"_ _1\"></span> net of ex<span class=\"_ _1\"></span>pect<span class=\"_ _1\"></span>ed cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>s all<span class=\"_ _1\"></span>owances<span class=\"_ _1\"></span>. As at<span class=\"_ _1\"></span> 31 December<span class=\"_ _1\"></span> 2024,<span class=\"_ _1\"></span> </span>the Group\u2019s<span class=\"_ _1\"></span> aggregate carryin<span class=\"_ _1\"></span>g amount in t<span class=\"_ _1\"></span>his respect was \u20ac991,534,<span class=\"_ _1\"></span>000 (2024: \u20ac918,87<span class=\"_ _1\"></span>0,000). The loa<span class=\"_ _1\"></span>ns and advance<span class=\"_ _0\"></span>s to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s, whi<span class=\"_ _0\"></span>ch are<span class=\"_ _0\"></span> subject to <span class=\"ls5 ws72\">floating inter<span class=\"_ _1\"></span>est rat<span class=\"_ _1\"></span>es, ar<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ed at the a<span class=\"_ _1\"></span>mount of </span>\u20ac743,646,000 (<span class=\"_ _1\"></span>2024: \u20ac684,<span class=\"_ _1\"></span>969,000). Th<span class=\"_ _1\"></span>is carrying v<span class=\"_ _1\"></span>alue ap<span class=\"_ _1\"></span>proximates to<span class=\"_ _1\"></span> fair valu<span class=\"_ _1\"></span>e in view of th<span class=\"_ _1\"></span>e fact th<span class=\"_ _1\"></span>at these lo<span class=\"_ _0\"></span>ans and advances ar<span class=\"_ _0\"></span>e repr<span class=\"_ _0\"></span>iceable at the<span class=\"_ _0\"></span> Group\u2019s discr<span class=\"_ _0\"></span>etion. T<span class=\"_ _0\"></span>he carryi<span class=\"_ _0\"></span>ng amount of loans and adv<span class=\"_ _1\"></span>ances t<span class=\"_ _1\"></span>o custo<span class=\"_ _1\"></span>mers, wh<span class=\"_ _1\"></span>ich are su<span class=\"_ _1\"></span>bject to<span class=\"_ _1\"></span> fixed in<span class=\"_ _1\"></span>terest rat<span class=\"_ _1\"></span>es, is d<span class=\"_ _1\"></span>eemed fairly<span class=\"_ _1\"></span> close t<span class=\"_ _1\"></span>o fair va<span class=\"_ _1\"></span>lue in view<span class=\"_ _1\"></span> of their maturity profi<span class=\"_ _0\"></span>le. A significant part of loans and advance<span class=\"_ _0\"></span>s to customers are repayable on cal<span class=\"_ _0\"></span>l and at short n<span class=\"_ _1\"></span>otice, as highligh<span class=\"_ _1\"></span>ted<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls7 ws9f\">in Note 8. Loans and advances to banks with a f<span class=\"_ _0\"></span>ixed term<span class=\"_ _0\"></span> are carri<span class=\"_ _0\"></span>ed at the </span></span>amount of \u20ac41,<span class=\"_ _1\"></span>829,000 (2024: \u20ac27,243,<span class=\"_ _1\"></span>000). Other loa<span class=\"_ _1\"></span>ns and advan<span class=\"_ _1\"></span>ces to banks are predomina<span class=\"_ _1\"></span>ntly repayabl<span class=\"_ _1\"></span>e on call and a<span class=\"_ _1\"></span>t short notice, a<span class=\"_ _1\"></span>s disclos<span class=\"_ _1\"></span>ed in Note 7 to th<span class=\"_ _1\"></span>e financial sta<span class=\"_ _1\"></span>te<span class=\"ls5 ws6\">ments. G<span class=\"_ _1\"></span>eneral<span class=\"_ _1\"></span>ly, in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span> </span>rates on loans and ad<span class=\"_ _0\"></span>vances re<span class=\"_ _0\"></span>flect curre<span class=\"_ _0\"></span>nt market rate<span class=\"_ _0\"></span>s, and the Director<span class=\"_ _0\"></span>s consider the c<span class=\"_ _0\"></span>arrying amounts to be a reaso<span class=\"_ _1\"></span>nable estimate o<span class=\"_ _1\"></span>f their fair value pr<span class=\"_ _1\"></span>incipally in<span class=\"_ _1\"></span> view of the relativ<span class=\"_ _1\"></span>ely short<span class=\"_ _1\"></span> periods to<span class=\"_ _1\"></span> repricing or maturit<span class=\"ls5 ws3b\">y fro<span class=\"_ _1\"></span>m the <span class=\"_ _1\"></span>end o<span class=\"_ _1\"></span>f the r<span class=\"_ _1\"></span>eporti<span class=\"_ _1\"></span>ng pe<span class=\"_ _1\"></span>riods<span class=\"_ _1\"></span>. The <span class=\"_ _1\"></span>curr<span class=\"_ _1\"></span>ent mark<span class=\"_ _1\"></span>et in<span class=\"_ _1\"></span>terest r<span class=\"_ _1\"></span>ates<span class=\"_ _1\"></span> util<span class=\"_ _1\"></span>ised for<span class=\"_ _1\"></span> fair<span class=\"_ _1\"></span> value<span class=\"_ _1\"></span> </span>estima<span class=\"_ _1\"></span>tion,<span class=\"_ _1\"></span> which r<span class=\"_ _1\"></span>eflec<span class=\"_ _1\"></span>t ess<span class=\"_ _1\"></span>entia<span class=\"_ _1\"></span>lly th<span class=\"_ _1\"></span>e respec<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e inst<span class=\"_ _1\"></span>ruments<span class=\"_ _1\"></span>\u2019 con<span class=\"_ _1\"></span>tractu<span class=\"_ _1\"></span>al int<span class=\"_ _1\"></span>erest r<span class=\"_ _1\"></span>ates<span class=\"_ _1\"></span>, are d<span class=\"_ _1\"></span>eemed<span class=\"_ _1\"></span> observa<span class=\"_ _1\"></span>ble and accor<span class=\"_ _1\"></span>dingly these fair va<span class=\"_ _1\"></span>lue estimate<span class=\"ls5 ws6\">s<span class=\"_ _1\"></span> hav<span class=\"_ _1\"></span>e been cat<span class=\"_ _1\"></span>egoris<span class=\"_ _1\"></span>ed as L<span class=\"_ _1\"></span>evel 2.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Trade and other<span class=\"_ _0\"></span> receivables<span class=\"_ _0\"></span> <span class=\"ls1 ws1\"> </span> <span class=\"_ _95\"> </span><span class=\"ls8 ws11\">This cate<span class=\"_ _0\"></span>gory pr<span class=\"_ _0\"></span>incipall<span class=\"_ _0\"></span>y represe<span class=\"_ _0\"></span>nts short<span class=\"ls1 ws1\">-<span class=\"ls5 ws3b\">term trade r<span class=\"_ _1\"></span>ecei<span class=\"_ _1\"></span>va<span class=\"_ _1\"></span>bles ar<span class=\"_ _1\"></span>ising<span class=\"_ _1\"></span> from pos<span class=\"_ _1\"></span>tal o<span class=\"_ _1\"></span>perati<span class=\"_ _1\"></span>ons i<span class=\"_ _1\"></span>n resp<span class=\"_ _1\"></span>ect </span></span></span>of which the c<span class=\"_ _0\"></span>arrying amount is a reasonable<span class=\"_ _0\"></span> approximation of<span class=\"_ _0\"></span> fair value.<span class=\"_ _0\"></span><span class=\"ls1\"> </span>Amounts owed to banks<span class=\"_ _0\"></span> and c<span class=\"_ _0\"></span>ustomers<span class=\"ls1 ws1\"> </span>These categori<span class=\"_ _1\"></span>es of financial lia<span class=\"_ _1\"></span>bilities are carried<span class=\"_ _1\"></span> at amortised cost<span class=\"_ _1\"></span> and amount to \u20ac1,207,601,<span class=\"_ _1\"></span>000 as at 31 December 2025 (20<span class=\"_ _1\"></span>24: \u20ac1,12<span class=\"_ _1\"></span>0,444,000). 17.4<span class=\"_ _1\"></span>% (2024: 19.0%) of th<span class=\"_ _1\"></span>ese liabilities are n<span class=\"_ _1\"></span>on<span class=\"ls1 ws1\">-<span class=\"ls5 ws1a\">in<span class=\"_ _1\"></span>terest b<span class=\"_ _1\"></span>earin<span class=\"_ _1\"></span>g, </span></span>41.2% (2024: 46.0%) of th<span class=\"_ _1\"></span>ese liabil<span class=\"_ _1\"></span>ities <span class=\"ls5 ws41\">hav<span class=\"_ _1\"></span>e a contra<span class=\"_ _1\"></span>ctual rep<span class=\"_ _1\"></span>ricing t<span class=\"_ _1\"></span>erm of th<span class=\"_ _1\"></span>ree mon<span class=\"_ _1\"></span>ths o<span class=\"_ _1\"></span>r less, 8.7% </span>(2024<span class=\"_ _1\"></span>: 6.0%) r<span class=\"_ _1\"></span>epric<span class=\"_ _1\"></span>e betw<span class=\"_ _1\"></span>een t<span class=\"_ _1\"></span>hree mo<span class=\"_ _1\"></span>nths<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> one yea<span class=\"_ _1\"></span>r, 25.9% <span class=\"_ _1\"></span>(202<span class=\"_ _1\"></span>4: 24.6<span class=\"_ _1\"></span>%) repr<span class=\"_ _1\"></span>ice <span class=\"_ _1\"></span>between<span class=\"_ _1\"></span> one yea<span class=\"_ _1\"></span>r and<span class=\"_ _1\"></span> five year<span class=\"_ _1\"></span>s while 6<span class=\"_ _1\"></span>.7% (2<span class=\"_ _1\"></span>024: 4<span class=\"_ _1\"></span>.4%) ar<span class=\"_ _1\"></span>e repr<span class=\"_ _1\"></span>iceabl<span class=\"_ _1\"></span>e afte<span class=\"_ _1\"></span>r more t<span class=\"_ _1\"></span>han fi<span class=\"_ _1\"></span>ve year<span class=\"_ _1\"></span>s. A ver<span class=\"_ _1\"></span>y s<span class=\"ls6 ws1d\">i<span class=\"_ _1\"></span>gnificant po<span class=\"_ _1\"></span>rtion </span>of amount<span class=\"_ _0\"></span>s owed to<span class=\"_ _0\"></span> bank<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d custome<span class=\"_ _0\"></span>rs are r<span class=\"_ _0\"></span>epaya<span class=\"_ _0\"></span>ble on<span class=\"_ _0\"></span> demand as<span class=\"_ _0\"></span> disclo<span class=\"_ _0\"></span>sed w<span class=\"_ _0\"></span>ithin <span class=\"_ _0\"></span>Note 20<span class=\"_ _0\"></span> and 21<span class=\"_ _0\"></span> to the financia<span class=\"_ _1\"></span>l statement<span class=\"_ _1\"></span>s. Accord<span class=\"_ _1\"></span>ingly, in v<span class=\"_ _1\"></span>iew of their<span class=\"_ _1\"></span> profile, th<span class=\"_ _1\"></span>e fair valu<span class=\"_ _1\"></span>e of these<span class=\"_ _1\"></span> financia<span class=\"_ _1\"></span>l liabilities is<span class=\"_ _1\"></span> not d<span class=\"_ _1\"></span>eemed to b<span class=\"_ _1\"></span>e sign<span class=\"_ _1\"></span>i<span class=\"ls8 ws2d\">ficant<span class=\"_ _0\"></span>ly diff<span class=\"_ _0\"></span>erent<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> their c<span class=\"_ _0\"></span>arrying amo<span class=\"_ _0\"></span>unts. T<span class=\"_ _0\"></span>his applie<span class=\"_ _0\"></span>s to <span class=\"_ _0\"></span>vari<span class=\"_ _0\"></span>able rat<span class=\"_ _0\"></span>e deposit<span class=\"_ _11\"></span>s </span>in view of the sh<span class=\"_ _1\"></span>ort periods<span class=\"_ _1\"></span> to repricing, bu<span class=\"_ _1\"></span>t also applies to lia<span class=\"_ _1\"></span>bilities su<span class=\"_ _1\"></span>bject to fixed interes<span class=\"_ _1\"></span>t rates, ba<span class=\"_ _1\"></span>sed on discounting<span class=\"_ _0\"></span> future<span class=\"_ _0\"></span> contractual c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>s at current<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls7 ws26\">market intere<span class=\"_ _0\"></span>st rates, taking into account the short </span></span>periods to m<span class=\"_ _0\"></span>aturity.<span class=\"_ _0\"></span> The c<span class=\"_ _0\"></span>urrent mar<span class=\"_ _0\"></span>ket inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ates util<span class=\"_ _0\"></span>ised for disc<span class=\"_ _0\"></span>ounting purpose<span class=\"_ _0\"></span>s, w<span class=\"_ _0\"></span>hich we<span class=\"_ _0\"></span>re almost equiv<span class=\"_ _1\"></span>alent<span class=\"_ _1\"></span> to the r<span class=\"_ _1\"></span>espect<span class=\"_ _1\"></span>ive in<span class=\"_ _1\"></span>stru<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span>\u2019 cont<span class=\"_ _1\"></span>ractu<span class=\"_ _1\"></span>al inter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>tes, a<span class=\"_ _1\"></span>re deemed<span class=\"_ _1\"></span> ob<span class=\"_ _1\"></span>serva<span class=\"_ _1\"></span>ble an<span class=\"_ _1\"></span><span class=\"ls1b ws6\">d </span>accord<span class=\"_ _1\"></span>ingly<span class=\"_ _1\"></span> these fa<span class=\"_ _1\"></span>ir va<span class=\"_ _1\"></span>lue esti<span class=\"_ _1\"></span>mates h<span class=\"_ _1\"></span>ave been<span class=\"_ _1\"></span> catego<span class=\"_ _1\"></span>rise<span class=\"_ _1\"></span>d as L<span class=\"_ _1\"></span>evel 2.<span class=\"ls1 ws1\"> </span>Debt securi<span class=\"_ _0\"></span>ties measur<span class=\"_ _0\"></span>ed at amortis<span class=\"_ _0\"></span>ed cost<span class=\"ls1 ws1\"> </span>Debt securiti<span class=\"_ _1\"></span>es measured<span class=\"_ _1\"></span> at amortis<span class=\"_ _1\"></span>ed cost ha<span class=\"_ _1\"></span>d a fair v<span class=\"_ _1\"></span>alue of \u20ac34,1<span class=\"_ _1\"></span>46,000 as<span class=\"_ _1\"></span> at 31 Dec<span class=\"_ _1\"></span>ember 2025 <span class=\"_ _1\"></span>(2024: \u20ac21,400,000), co<span class=\"_ _1\"></span>mpared to<span class=\"_ _1\"></span> the carry<span class=\"_ _1\"></span>ing amou<span class=\"_ _1\"></span>nt of \u20ac33,890,<span class=\"_ _1\"></span>000 (202<span class=\"ls1 ws1\">4<span class=\"_ _1\"></span></span>: \u20ac21,107,000).<span class=\"_ _1\"></span> The fair v<span class=\"_ _1\"></span>alue of th<span class=\"_ _1\"></span>ese investme<span class=\"_ _0\"></span>nts, whic<span class=\"_ _0\"></span>h are pr<span class=\"_ _0\"></span>inci<span class=\"_ _0\"></span>pally trade<span class=\"_ _0\"></span>d i<span class=\"_ _0\"></span>n active m<span class=\"_ _0\"></span>arke<span class=\"_ _0\"></span>ts, is m<span class=\"_ _0\"></span>ainly<span class=\"_ _0\"></span> based on <span class=\"_ _0\"></span>quote<span class=\"_ _0\"></span>d mar<span class=\"_ _0\"></span>ket pri<span class=\"_ _0\"></span>ces whi<span class=\"_ _0\"></span>ch are categorised a<span class=\"_ _1\"></span>s Level 1 inp<span class=\"_ _1\"></span>uts.<span class=\"ls1 ws1\"> </span>Other f<span class=\"_ _0\"></span>inancial instr<span class=\"_ _0\"></span>uments<span class=\"ls1 ws1\"> </span>The fair values o<span class=\"_ _1\"></span>f certain other financial as<span class=\"_ _1\"></span>sets, includin<span class=\"_ _1\"></span>g balances with the Central Bank<span class=\"_ _1\"></span> of Malta and accrue<span class=\"_ _0\"></span>d income<span class=\"_ _0\"></span>, are<span class=\"_ _0\"></span> considered t<span class=\"_ _0\"></span>o approxim<span class=\"_ _0\"></span>ate the<span class=\"_ _0\"></span>ir re<span class=\"_ _0\"></span>spective<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng values due<span class=\"_ _0\"></span> to t<span class=\"_ _0\"></span>heir short<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls5 ws7\">term </span></span>nature.<span class=\"ls1 ws1\"> </span><div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs754\">6.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Financial inv<span class=\"_ _0\"></span>estments<span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs755\">Financial in<span class=\"_ _1\"></span>vestments i<span class=\"_ _1\"></span>nclude the followin<span class=\"_ _1\"></span>g<span class=\"ls1 ws1\">:</span><span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w238 h1ee\" id=\"_ec131e1d-2f4a-476c-8ef5-94c8d10fe609\"><tr><td></td><td></td><td class=\"c x3f5 y227b wc8 h76\"><div class=\"t m0 x110 h9 y827 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c x3f6 y227b wc8 h76\"><div class=\"t m0 xf7 h9 y827 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y227c w54 h77\"><div class=\"t m0 x35 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y227c wd5 h77\"><div class=\"t m0 xe5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227c w54 h77\"><div class=\"t m0 x35 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y227c wd5 h77\"><div class=\"t m0 xd7 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y227d w54 h76\"><div class=\"t m0 x1d h9 y827 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f7 y227d wd5 h76\"><div class=\"t m0 x22 h3 y827 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227d w54 h76\"><div class=\"t m0 x1d h9 y827 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f8 y227d wd5 h76\"><div class=\"t m0 xe5 h3 y827 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y227e we3 h77\"><div class=\"t m0 x10 h15 y829 ff3 fs1 fc0 sc0 ls20 ws4e\">Measured a<span class=\"_ _0\"></span>t FVO<span class=\"_ _0\"></span>CI<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y227f we3 h78\"><div class=\"t m0 x11 h3 y827 ff1 fs1 fc0 sc0 ls8 wsa\">Debt and othe<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>xed inc<span class=\"_ _0\"></span>ome instrum<span class=\"_ _0\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y227f w54 h78\"><div class=\"t m0 x11 h9 y827 ff3 fs1 fc0 sc0 ls6 ws8\">170,965<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f7 y227f wd5 h78\"><div class=\"t m0 xf3 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227f w54 h78\"><div class=\"t m0 xdf h9 y827 ff3 fs1 fc0 sc0 ls6 ws8\">168,955<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f8 y227f wd5 h78\"><div class=\"t m0 xdb h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">176,696<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2280 we3 h77\"><div class=\"t m0 x11 h3 y829 ff1 fs1 fc0 sc0 ls8 wsa\">Equity instr<span class=\"_ _0\"></span>uments<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2280 w54 h77\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2280 wd5 h77\"><div class=\"t m0 x22 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2280 w54 h77\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2280 wd5 h77\"><div class=\"t m0 xe5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2281 we3 h76\"><div class=\"t m0 x10 h9 y827 ff3 fs1 fc0 sc0 ls20 ws4e\">Measured a<span class=\"_ _0\"></span>t amo<span class=\"_ _0\"></span>rtise<span class=\"_ _0\"></span>d cost<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2282 we3 h77\"><div class=\"t m0 x11 h3 y829 ff1 fs1 fc0 sc0 ls8 wsa\">Debt and othe<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>xed inc<span class=\"_ _0\"></span>ome instrum<span class=\"_ _0\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2282 w54 h77\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2282 wd5 h77\"><div class=\"t m0 xd4 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2282 w54 h77\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2282 wd5 h77\"><div class=\"t m0 x113 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2283 w54 h78\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">213,1<span class=\"ls1 ws1\">36</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f7 y2283 wd5 h78\"><div class=\"t m0 xf3 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">208,110<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2283 w54 h78\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">211,126<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2283 wd5 h78\"><div class=\"t m0 xdb h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">205,978<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs758\">Debt a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her fixed<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> FVOCI are a<span class=\"_ _1\"></span>naly<span class=\"_ _1\"></span>sed as<span class=\"_ _1\"></span> follows<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w238 h1ef\" id=\"_6275a389-b31c-4133-9cd8-016b073a9d32\"><tr><td></td><td></td><td class=\"c x3f5 y2284 wc8 h17\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">                     <span class=\"_ _0\"></span><span class=\"ls20 ws7e\">Group<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></span></div></td><td></td><td class=\"c x3f6 y2284 wc8 h17\"><div class=\"t m0 x10 h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">                      <span class=\"_ _0\"></span>  <span class=\"ls20 ws7e\">Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x3f5 y2285 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2285 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2285 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2285 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2286 w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2286 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2286 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2286 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2287 we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic bodie<span class=\"_ _0\"></span>s:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2288 we3 h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls6 ws7\">local governm<span class=\"_ _1\"></span>ent</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y2288 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">139,855<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2288 wd5 h17\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">141,008<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2288 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">138,778<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2288 wd5 h17\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">139,805<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2289 we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls5 ws6\">forei<span class=\"_ _1\"></span>gn gov<span class=\"_ _1\"></span>ernments</span><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y2289 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,561<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2289 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,224<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2289 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,561<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2289 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,224<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228a we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7 ws4e\">supranational</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228a w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228a wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,010<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228a w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,010<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228b we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic is<span class=\"_ _0\"></span>suers:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y228c we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228c w54 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">11,814<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228c wd5 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,197<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228c w54 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">11,270<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228c wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">11,660<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228d we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local corporate<span class=\"_ _0\"></span>s</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y228d w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,601<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228d wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,836<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228d w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,212<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228d wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,444<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228e we3 h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">foreign banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228e w54 h1d\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,742<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228e wd5 h1d\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,243<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228e w54 h1d\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,742<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228e wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,243<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228f we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">foreign corporate<span class=\"_ _0\"></span>s</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y228f w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,286<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228f wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,310<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228f w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,286<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228f wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,310<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2290 w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">170,965<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2290 wd5 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2290 w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">168,955<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2290 wd5 h18\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">176,696<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-456": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws114 gs6df\">3.<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws3\">Accounting<span class=\"_ _0\"></span> estima<span class=\"_ _0\"></span>tes an<span class=\"_ _0\"></span>d judg<span class=\"_ _0\"></span>ements<span class=\"ff5 fs1 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs6e0\">3.1<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Critical account<span class=\"_ _1\"></span>ing estimat<span class=\"_ _1\"></span>es and ju<span class=\"_ _1\"></span>dgements in ap<span class=\"_ _1\"></span>plying the Group\u2019<span class=\"_ _1\"></span>s account<span class=\"_ _1\"></span>ing policies      <span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs6e1\">Estimate<span class=\"_ _0\"></span>s and judge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts are<span class=\"_ _0\"></span> continual<span class=\"_ _0\"></span>ly evaluat<span class=\"_ _0\"></span>ed and <span class=\"_ _0\"></span>base<span class=\"_ _0\"></span>d on hi<span class=\"_ _0\"></span>storical<span class=\"_ _0\"></span> exper<span class=\"_ _0\"></span>ience<span class=\"_ _0\"></span> and other<span class=\"_ _0\"></span> factor<span class=\"_ _0\"></span>s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6e2\">including<span class=\"_ _0\"></span> expec<span class=\"_ _0\"></span>tations of<span class=\"_ _0\"></span> future<span class=\"_ _0\"></span> events tha<span class=\"_ _0\"></span>t are be<span class=\"_ _0\"></span>lieve<span class=\"_ _0\"></span>d to be re<span class=\"_ _0\"></span>asonable unde<span class=\"_ _0\"></span>r the c<span class=\"_ _0\"></span>ircum<span class=\"_ _0\"></span>stances.<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs6e3\">The G<span class=\"_ _0\"></span>roup make<span class=\"_ _0\"></span>s estim<span class=\"_ _0\"></span>ates and as<span class=\"_ _0\"></span>sumptions<span class=\"_ _0\"></span> conce<span class=\"_ _0\"></span>rning <span class=\"_ _0\"></span>the f<span class=\"_ _0\"></span>uture. T<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>sulting ac<span class=\"_ _0\"></span>counting<span class=\"_ _0\"></span> estim<span class=\"_ _0\"></span>ates </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6e4\">will,<span class=\"_ _0\"></span> by definitio<span class=\"_ _0\"></span>n, seldom<span class=\"_ _0\"></span> equal the re<span class=\"_ _0\"></span>lated actual<span class=\"_ _0\"></span> results.<span class=\"_ _0\"></span> These est<span class=\"_ _0\"></span>imates and assumpt<span class=\"_ _0\"></span>ions pre<span class=\"_ _0\"></span>sent a ri<span class=\"_ _0\"></span>sk </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsc gs6e5\">of causing a mater<span class=\"_ _0\"></span>ial adjustme<span class=\"_ _0\"></span>nt to the carryin<span class=\"ls6 wsd\">g amounts of assets and lia<span class=\"_ _1\"></span>bilities within<span class=\"_ _1\"></span> the next financial<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws28 gs6e6\">year. Th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s man<span class=\"_ _1\"></span>agemen<span class=\"_ _1\"></span>t als<span class=\"_ _1\"></span>o makes<span class=\"_ _1\"></span> judgemen<span class=\"_ _1\"></span>ts,<span class=\"_ _1\"></span> apart fro<span class=\"_ _1\"></span>m thos<span class=\"_ _1\"></span>e invo<span class=\"_ _1\"></span>lving es<span class=\"_ _1\"></span>timatio<span class=\"_ _1\"></span>ns, i<span class=\"_ _1\"></span>n the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws37 gs6e7\">process o<span class=\"_ _1\"></span>f applying the entity's<span class=\"_ _1\"></span> accountin<span class=\"_ _1\"></span>g policies that may hav<span class=\"_ _1\"></span>e a significant effect on the <span class=\"ls7 ws4e\">amounts </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6e8\">recognised in<span class=\"_ _1\"></span> the financial s<span class=\"_ _1\"></span>tatements.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs6e9\">3.2<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span>M<span class=\"ls5 ws6\">easurem<span class=\"_ _1\"></span>ent o<span class=\"_ _1\"></span>f expect<span class=\"_ _1\"></span>ed cre<span class=\"_ _1\"></span>dit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span></span>  </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs6ea\">The mea<span class=\"_ _1\"></span>surem<span class=\"_ _1\"></span>ent of t<span class=\"_ _1\"></span>he Exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> Credi<span class=\"_ _1\"></span>t Los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wance <span class=\"_ _1\"></span>for fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets meas<span class=\"_ _1\"></span>ured<span class=\"_ _1\"></span> at amor<span class=\"_ _1\"></span>tised c<span class=\"_ _1\"></span>ost </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs6eb\">and debt sec<span class=\"_ _0\"></span>uritie<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI is an ar<span class=\"_ _0\"></span>ea that r<span class=\"_ _0\"></span>equi<span class=\"_ _0\"></span>res the use<span class=\"_ _0\"></span> of co<span class=\"_ _0\"></span>mplex<span class=\"_ _0\"></span> models and signif<span class=\"_ _0\"></span>icant </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15d gs6ec\">assumptions a<span class=\"_ _0\"></span>bout futur<span class=\"_ _0\"></span>e ec<span class=\"_ _0\"></span>onomic condi<span class=\"_ _0\"></span>tions and c<span class=\"_ _0\"></span>redit be<span class=\"_ _0\"></span>haviour. Ex<span class=\"_ _0\"></span>planatio<span class=\"_ _0\"></span>n of the<span class=\"_ _0\"></span> inputs, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6ed\">assumptions<span class=\"_ _0\"></span> and estim<span class=\"_ _0\"></span>ation t<span class=\"_ _0\"></span>echnique<span class=\"_ _0\"></span>s used in m<span class=\"_ _0\"></span>easuring<span class=\"_ _0\"></span> ECL i<span class=\"_ _0\"></span>s furthe<span class=\"_ _0\"></span>r detai<span class=\"_ _0\"></span>led in note<span class=\"_ _0\"></span> 2. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6ef\">A number<span class=\"_ _0\"></span> of signi<span class=\"_ _0\"></span>ficant<span class=\"_ _0\"></span> judgeme<span class=\"_ _0\"></span>nts are re<span class=\"_ _0\"></span>quired i<span class=\"_ _0\"></span>n measureme<span class=\"_ _0\"></span>nt of Expe<span class=\"_ _0\"></span>cted C<span class=\"_ _0\"></span>redit Loss, such<span class=\"_ _0\"></span> as:<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs6f0\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws7\">Determining crite<span class=\"_ _1\"></span>ria for signi<span class=\"_ _1\"></span>ficant in<span class=\"_ _1\"></span>crease in credit ris<span class=\"_ _1\"></span>k;</span> </div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs6f1\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Choosing<span class=\"_ _0\"></span> appropriate<span class=\"_ _0\"></span> mode<span class=\"_ _0\"></span>ls and assum<span class=\"_ _0\"></span>ptions for t<span class=\"_ _0\"></span>he me<span class=\"_ _0\"></span>asurem<span class=\"_ _0\"></span>ent of EC<span class=\"_ _0\"></span>L; and<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff1 fs1 fc0 sc0 ls1 ws1 gs6f2\">\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Establishi<span class=\"_ _0\"></span>ng the num<span class=\"_ _0\"></span>ber and r<span class=\"_ _11\"></span>elative weig<span class=\"_ _0\"></span>htings of f<span class=\"_ _0\"></span>orwar<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7\">looking scenarios and associate<span class=\"_ _0\"></span>d ECL.<span class=\"ls1\"> </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs6f3\">Detail<span class=\"_ _0\"></span>ed inf<span class=\"_ _0\"></span>ormation about t<span class=\"_ _0\"></span>he judge<span class=\"_ _0\"></span>ments and esti<span class=\"_ _0\"></span>mates m<span class=\"_ _0\"></span>ade by the<span class=\"_ _0\"></span> Bank in the<span class=\"_ _0\"></span> above are<span class=\"_ _0\"></span>as is set out </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6f4\">in note 2.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs6f5\">3.3<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span><span class=\"ls5 ws6\">Asses<span class=\"_ _1\"></span>sment o<span class=\"_ _1\"></span>f estima<span class=\"_ _1\"></span>tes an<span class=\"_ _1\"></span>d jud<span class=\"_ _1\"></span>gements<span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs6f6\">In the opini<span class=\"_ _0\"></span>on of<span class=\"_ _0\"></span> the Dir<span class=\"_ _0\"></span>ector<span class=\"_ _0\"></span>s, the acc<span class=\"_ _0\"></span>ounting e<span class=\"_ _0\"></span>stimate<span class=\"_ _0\"></span>s and judg<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts made i<span class=\"_ _0\"></span>n the cour<span class=\"_ _0\"></span>se of pr<span class=\"_ _0\"></span>eparing<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs6f7\">these c<span class=\"_ _0\"></span>onsolidate<span class=\"_ _0\"></span>d financi<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atem<span class=\"_ _0\"></span>ents, w<span class=\"_ _0\"></span>hich have be<span class=\"_ _0\"></span>en hi<span class=\"_ _0\"></span>ghli<span class=\"_ _0\"></span>ghted above<span class=\"_ _0\"></span>, are n<span class=\"_ _0\"></span>ot dif<span class=\"_ _0\"></span>ficul<span class=\"_ _0\"></span>t, subje<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span> or </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs6f8\">complex<span class=\"_ _1\"></span> to a d<span class=\"_ _1\"></span>egree whi<span class=\"_ _1\"></span>ch wo<span class=\"_ _1\"></span>uld war<span class=\"_ _1\"></span>rant t<span class=\"_ _1\"></span>h<span class=\"ls6 ws1d\">eir descript<span class=\"_ _1\"></span>ion as critical in<span class=\"_ _1\"></span> terms of the requirements<span class=\"_ _1\"></span> of IAS 1.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs6f9\">Howeve<span class=\"_ _0\"></span>r, the Dir<span class=\"_ _0\"></span>ectors woul<span class=\"_ _0\"></span>d like t<span class=\"_ _0\"></span>o draw att<span class=\"_ _0\"></span>ention to t<span class=\"_ _0\"></span>hose acco<span class=\"_ _0\"></span>unting judge<span class=\"_ _0\"></span>ments that have<span class=\"_ _0\"></span> a signif<span class=\"_ _0\"></span>icant </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs6fa\">risk of resu<span class=\"_ _1\"></span>lting in a material adj<span class=\"_ _1\"></span>ustment to t<span class=\"_ _1\"></span>he carrying amount<span class=\"_ _1\"></span>s of assets an<span class=\"_ _1\"></span>d liabilities within<span class=\"_ _1\"></span> the next </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs6fb\">financi<span class=\"_ _0\"></span>al year.<span class=\"_ _0\"></span> In this re<span class=\"_ _0\"></span>spect the<span class=\"_ _0\"></span>se pr<span class=\"ls6 ws12\">imarily comprise ass<span class=\"_ _1\"></span>umptions<span class=\"_ _1\"></span> and estimat<span class=\"_ _1\"></span>es relating to th<span class=\"_ _1\"></span>e calculation </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs6fc\">of expected cred<span class=\"_ _1\"></span>it loss allo<span class=\"_ _1\"></span>wances in resp<span class=\"_ _1\"></span>ect of loans a<span class=\"_ _1\"></span>nd advances<span class=\"_ _1\"></span> to customers (see not<span class=\"_ _1\"></span>es 2.3, 8 and 32).  <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs6fd\">As previou<span class=\"_ _1\"></span>sly explained, l<span class=\"_ _1\"></span>ocal economic growth moderat<span class=\"_ _1\"></span>ed durin<span class=\"_ _1\"></span>g 2025, amidst a context of weakenin<span class=\"_ _1\"></span>g </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs6fe\">global ou<span class=\"_ _1\"></span>tlook chara<span class=\"_ _1\"></span>cterised b<span class=\"_ _1\"></span>y heightened u<span class=\"_ _1\"></span>ncertainty rel<span class=\"_ _1\"></span>ated to ta<span class=\"_ _1\"></span>riffs and geopo<span class=\"_ _1\"></span>litical ten<span class=\"_ _1\"></span>sions. W<span class=\"_ _1\"></span>ithin </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs6ff\">the E<span class=\"_ _1\"></span>uro Area<span class=\"_ _1\"></span>, econo<span class=\"_ _1\"></span>mic p<span class=\"_ _1\"></span>erfo<span class=\"_ _1\"></span>rmance <span class=\"_ _1\"></span>was mix<span class=\"_ _1\"></span>ed. T<span class=\"ls6 ws1d\">h<span class=\"_ _1\"></span>e anticip<span class=\"_ _1\"></span>ation of tar<span class=\"_ _1\"></span>iffs resulted<span class=\"_ _1\"></span> in trad<span class=\"_ _1\"></span>e front loadin<span class=\"_ _1\"></span>g, </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs700\">which o<span class=\"_ _1\"></span>nce it h<span class=\"_ _1\"></span>ad fad<span class=\"_ _1\"></span>ed away<span class=\"_ _1\"></span>, weaker<span class=\"_ _1\"></span> data s<span class=\"_ _1\"></span>tart<span class=\"_ _1\"></span>ed to emerg<span class=\"_ _1\"></span>e. Inflat<span class=\"_ _1\"></span>ion h<span class=\"_ _1\"></span>as s<span class=\"_ _1\"></span>ettled cl<span class=\"_ _1\"></span>ose to ECB<span class=\"_ _1\"></span> targets<span class=\"_ _1\"></span>. As </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs701\">a result, <span class=\"_ _0\"></span>the EC<span class=\"_ _0\"></span>B has k<span class=\"_ _0\"></span>ept i<span class=\"_ _0\"></span>ts inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ates on<span class=\"_ _0\"></span> the depo<span class=\"_ _0\"></span>sit f<span class=\"_ _0\"></span>aci<span class=\"_ _0\"></span>lity, the<span class=\"_ _0\"></span> main re<span class=\"_ _0\"></span>financ<span class=\"_ _0\"></span>ing o<span class=\"_ _0\"></span>peratio<span class=\"_ _0\"></span>ns and the<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs702\">marginal lendi<span class=\"_ _1\"></span>ng facility<span class=\"_ _1\"></span> unchanged<span class=\"_ _1\"></span> at 2.00%, 2.15% and<span class=\"_ _1\"></span> 2.40% respectiv<span class=\"_ _1\"></span>ely.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs703\">As for<span class=\"_ _1\"></span> the rest<span class=\"_ _1\"></span> of the wo<span class=\"_ _1\"></span>rld, t<span class=\"_ _1\"></span>he IMF s<span class=\"_ _1\"></span>ees the r<span class=\"_ _1\"></span>isks<span class=\"_ _1\"></span> to th<span class=\"_ _1\"></span>e outlook<span class=\"_ _1\"></span> tilted<span class=\"_ _1\"></span> to th<span class=\"_ _1\"></span>e downs<span class=\"_ _1\"></span>ide, weig<span class=\"_ _1\"></span>hed do<span class=\"_ _1\"></span>wn </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs704\">uncertaint<span class=\"_ _1\"></span>ies regarding p<span class=\"_ _1\"></span>rotection<span class=\"_ _1\"></span>ist measures,<span class=\"_ _1\"></span> geopolitic<span class=\"_ _1\"></span>al tension<span class=\"_ _1\"></span>s and larger<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">than<span class=\"_ _1\"></span></span>-<span class=\"ls5 ws1e\">expected s<span class=\"_ _1\"></span>hock<span class=\"_ _1\"></span>s to </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs705\">labour s<span class=\"_ _1\"></span>upply from restrict<span class=\"_ _1\"></span>ive immigration<span class=\"_ _1\"></span> pol<span class=\"ws8\">icies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws82 gs706\">Local economi<span class=\"_ _0\"></span>c growth m<span class=\"_ _0\"></span>oderated, as Malta move<span class=\"_ _0\"></span>s further<span class=\"_ _0\"></span> away from the<span class=\"_ _0\"></span> post<span class=\"ls1 ws1\">-<span class=\"ls5 ws35\">pandemi<span class=\"_ _1\"></span>c recover<span class=\"_ _1\"></span>y, in a<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs707\">context of a <span class=\"_ _1\"></span>weakening <span class=\"_ _1\"></span>global outlo<span class=\"_ _1\"></span>ok, charact<span class=\"_ _1\"></span>erised by tra<span class=\"_ _1\"></span>de policy un<span class=\"_ _1\"></span>certainty an<span class=\"_ _1\"></span>d geopolitica<span class=\"_ _1\"></span>l tensions<span class=\"_ _1\"></span>. </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws26 gs708\">The Central Bank of Malta forecasts that Malta\u2019s <span class=\"ls6 ws1d\">real GDP growth will<span class=\"_ _1\"></span> modera<span class=\"_ _1\"></span>te from 6.8<span class=\"_ _1\"></span>% in 2024 to 3.<span class=\"_ _1\"></span>7% </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws30 gs709\">in 2025 and remain<span class=\"_ _1\"></span> at 3.7%<span class=\"_ _1\"></span> in both 2026 a<span class=\"_ _1\"></span>nd 2027. Thi<span class=\"_ _1\"></span>s trend is a<span class=\"_ _1\"></span>lso confirmed b<span class=\"_ _1\"></span>y the Euro<span class=\"_ _1\"></span>pean </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs70a\">Commission,<span class=\"_ _0\"></span> which e<span class=\"_ _0\"></span>xpect<span class=\"_ _0\"></span>s it to be drive<span class=\"_ _0\"></span>n mainly by r<span class=\"_ _0\"></span>obust pri<span class=\"_ _0\"></span>vate and publi<span class=\"_ _0\"></span>c consump<span class=\"_ _0\"></span>tion, i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs70b\">an<span class=\"ls8 wsa\">d supporte<span class=\"_ _0\"></span>d by growt<span class=\"_ _0\"></span>h in tour<span class=\"_ _0\"></span>ism, gam<span class=\"_ _0\"></span>ing and f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> and profe<span class=\"_ _0\"></span>ssional ser<span class=\"_ _0\"></span>vices. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs70c\">The e<span class=\"_ _0\"></span>xercise<span class=\"_ _0\"></span> of judgem<span class=\"_ _0\"></span>ent in maki<span class=\"_ _0\"></span>ng estim<span class=\"_ _0\"></span>ations re<span class=\"_ _0\"></span>quires the<span class=\"_ _0\"></span> use of a<span class=\"_ _0\"></span>ssumptions<span class=\"_ _0\"></span> that ar<span class=\"_ _0\"></span>e highl<span class=\"_ _0\"></span>y subjecti<span class=\"_ _0\"></span>ve </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs70d\">and ver<span class=\"_ _0\"></span>y sensiti<span class=\"_ _0\"></span>ve to<span class=\"_ _0\"></span> the ri<span class=\"_ _0\"></span>sk fa<span class=\"_ _0\"></span>ctors det<span class=\"_ _0\"></span>ailed i<span class=\"_ _0\"></span>n note<span class=\"_ _0\"></span> 2.3.<span class=\"_ _0\"></span>4. In a<span class=\"_ _0\"></span>ddition,<span class=\"_ _11\"></span> many of the f<span class=\"_ _11\"></span>actors have a<span class=\"_ _0\"></span> high<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs70e\">degre<span class=\"_ _0\"></span>e of inte<span class=\"_ _0\"></span>rdepende<span class=\"_ _0\"></span>ncy and there<span class=\"_ _0\"></span> is no<span class=\"ls1 ws1\"> <span class=\"ls6 wsd\">s<span class=\"_ _1\"></span>ingle factor to which<span class=\"_ _1\"></span> loan credit los<span class=\"_ _1\"></span>s allowan<span class=\"_ _1\"></span>ces as a whole is </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs70f\">sens<span class=\"_ _1\"></span>itive.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5b gs710\">The unde<span class=\"_ _0\"></span>rlying m<span class=\"_ _0\"></span>odels and<span class=\"_ _0\"></span> thei<span class=\"_ _0\"></span>r calibr<span class=\"_ _0\"></span>ation, inc<span class=\"_ _0\"></span>ludi<span class=\"_ _0\"></span>ng how<span class=\"_ _0\"></span> they re<span class=\"_ _0\"></span>act to f<span class=\"_ _0\"></span>orwar<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls6 ws8c\">looking econo<span class=\"_ _1\"></span>mic </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs711\">conditio<span class=\"_ _1\"></span>ns, cont<span class=\"_ _1\"></span>inue to remain hi<span class=\"_ _1\"></span>ghly subjectiv<span class=\"_ _1\"></span>e.<span class=\"_ _bc\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs712\">Signif<span class=\"_ _0\"></span>icant judg<span class=\"_ _0\"></span>ement is re<span class=\"_ _0\"></span>quired in esta<span class=\"_ _0\"></span>blishing the<span class=\"_ _0\"></span> number, se<span class=\"_ _0\"></span>verity and r<span class=\"_ _0\"></span>elati<span class=\"_ _0\"></span>ve weightings of<span class=\"_ _0\"></span> forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs713\">looking econ<span class=\"_ _1\"></span>omic scenar<span class=\"_ _1\"></span>ios giv<span class=\"_ _1\"></span>en the rapidly<span class=\"_ _1\"></span> changing eco<span class=\"_ _1\"></span>nomic cond<span class=\"_ _1\"></span>itions an<span class=\"_ _1\"></span>d wide ec<span class=\"_ _1\"></span>onomic forecas<span class=\"_ _1\"></span>ts </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs714\">due to<span class=\"_ _1\"></span> the po<span class=\"_ _1\"></span>tenti<span class=\"_ _1\"></span>al imp<span class=\"_ _1\"></span>acts<span class=\"_ _1\"></span> of the fa<span class=\"_ _1\"></span>ctor<span class=\"_ _1\"></span>s refe<span class=\"ls6 ws2e\">rred<span class=\"_ _1\"></span> to prev<span class=\"_ _1\"></span>iously, i<span class=\"_ _1\"></span>n respons<span class=\"_ _1\"></span>e to global geop<span class=\"_ _1\"></span>olitical tensio<span class=\"_ _1\"></span>ns. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws7a gs715\">Signif<span class=\"_ _0\"></span>icant judg<span class=\"_ _0\"></span>ement i<span class=\"_ _0\"></span>s therefo<span class=\"_ _0\"></span>re also requi<span class=\"_ _0\"></span>red in m<span class=\"_ _0\"></span>aking assumptio<span class=\"_ _0\"></span>ns about the<span class=\"_ _0\"></span> effe<span class=\"_ _0\"></span>cts of inf<span class=\"_ _0\"></span>lation,<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs716\">intere<span class=\"_ _0\"></span>st rates, e<span class=\"_ _0\"></span>conomic<span class=\"_ _0\"></span> growth, and supply c<span class=\"_ _0\"></span>hain disrupti<span class=\"_ _0\"></span>ons. As al<span class=\"_ _0\"></span>luded to e<span class=\"_ _0\"></span>arlie<span class=\"_ _0\"></span>r, there is an abse<span class=\"_ _0\"></span>nce of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs717\">an obs<span class=\"_ _1\"></span>ervable hist<span class=\"_ _1\"></span>orical trend th<span class=\"_ _1\"></span>at can accu<span class=\"ls5 ws45\">r<span class=\"_ _1\"></span>ately r<span class=\"_ _1\"></span>epresen<span class=\"_ _1\"></span>t th<span class=\"_ _1\"></span>e sever<span class=\"_ _1\"></span>ity an<span class=\"_ _1\"></span>d sp<span class=\"_ _1\"></span>eed of su<span class=\"_ _1\"></span>ch forec<span class=\"_ _1\"></span>asts<span class=\"_ _1\"></span>, which<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws40 gs718\">repre<span class=\"_ _0\"></span>sent a hig<span class=\"_ _0\"></span>h degree<span class=\"_ _0\"></span> of estima<span class=\"_ _0\"></span>tion uncer<span class=\"_ _0\"></span>tainty, part<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ularly in asse<span class=\"_ _0\"></span>ssing do<span class=\"_ _0\"></span>wnsid<span class=\"_ _0\"></span>e scena<span class=\"_ _0\"></span>rios. Suc<span class=\"_ _0\"></span>h </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs719\">complex<span class=\"_ _1\"></span>ities<span class=\"_ _1\"></span> hav<span class=\"_ _1\"></span>e never b<span class=\"_ _1\"></span>een mo<span class=\"_ _1\"></span>delled.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs71b\">In vi<span class=\"_ _1\"></span>ew of the a<span class=\"_ _1\"></span>bove,<span class=\"_ _1\"></span> manage<span class=\"_ _1\"></span>ment co<span class=\"_ _1\"></span>nsid<span class=\"_ _1\"></span>ered th<span class=\"_ _1\"></span>e sens<span class=\"_ _1\"></span>itivit<span class=\"_ _1\"></span>y of th<span class=\"_ _1\"></span>e ECL ou<span class=\"_ _1\"></span>tcome to<span class=\"_ _1\"></span> the ma<span class=\"_ _1\"></span>cro<span class=\"ls1 ws1\">-</span><span class=\"ws7\">ec<span class=\"_ _1\"></span>onomi<span class=\"_ _1\"></span>c </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs71c\">forecasts b<span class=\"_ _1\"></span>y recalculatin<span class=\"_ _1\"></span>g the ECL und<span class=\"_ _1\"></span>er the different s<span class=\"_ _1\"></span>cenarios, a<span class=\"_ _1\"></span>pplying a 100% weight<span class=\"_ _1\"></span>ing to each<span class=\"_ _1\"></span> scenario. <span class=\"_ _13\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs71d\">The e<span class=\"_ _0\"></span>ffect<span class=\"_ _0\"></span> of ec<span class=\"_ _0\"></span>onomic unce<span class=\"_ _0\"></span>rtainty on the<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L outcom<span class=\"_ _0\"></span>e is <span class=\"_ _0\"></span>disclosed i<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span> sensiti<span class=\"_ _0\"></span>vity a<span class=\"_ _0\"></span>nalysi<span class=\"_ _0\"></span>s prese<span class=\"_ _0\"></span>nted in<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs71e\">Note 2.3<span class=\"_ _0\"></span>.4.4. T<span class=\"_ _0\"></span>he ECL calculated f<span class=\"_ _0\"></span>or the upside a<span class=\"_ _0\"></span>nd downside sc<span class=\"_ _0\"></span>enario<span class=\"_ _0\"></span>s should not be tak<span class=\"_ _0\"></span>en to re<span class=\"_ _0\"></span>present<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs71f\">the upper<span class=\"_ _0\"></span> and lowe<span class=\"_ _0\"></span>r limits of<span class=\"_ _0\"></span> possible ECL o<span class=\"ls5 ws3b\">utcomes as<span class=\"_ _1\"></span> there is<span class=\"_ _1\"></span> a hig<span class=\"_ _1\"></span>h degre<span class=\"_ _1\"></span>e of esti<span class=\"_ _1\"></span>mati<span class=\"_ _1\"></span>on u<span class=\"_ _1\"></span>ncerta<span class=\"_ _1\"></span>inty<span class=\"_ _1\"></span> in </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs720\">the numbers<span class=\"_ _1\"></span> representing ta<span class=\"_ _1\"></span>il risk s<span class=\"_ _1\"></span>cenarios when<span class=\"_ _1\"></span> assigned a 100% weigh<span class=\"_ _1\"></span>ting.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs721\">M<span class=\"ls5 ws68\">anag<span class=\"_ _1\"></span>ement a<span class=\"_ _1\"></span>pplied<span class=\"_ _1\"></span> a higher<span class=\"_ _1\"></span> level of exp<span class=\"_ _1\"></span>ert j<span class=\"_ _1\"></span>udgem<span class=\"_ _1\"></span>ent in<span class=\"_ _1\"></span> order t<span class=\"_ _1\"></span>o asses<span class=\"_ _1\"></span>s the imp<span class=\"_ _1\"></span>act of th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs722\">geopolitical a<span class=\"_ _1\"></span>nd macro<span class=\"ls1 ws1\">-</span>econo<span class=\"_ _1\"></span>mic environment o<span class=\"_ _1\"></span>n the local gro<span class=\"_ _1\"></span>up\u2019s level of defaults<span class=\"_ _1\"></span>, including eva<span class=\"_ _1\"></span>luating </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs723\">the imp<span class=\"_ _1\"></span>act of mo<span class=\"_ _1\"></span>neta<span class=\"_ _1\"></span>ry po<span class=\"_ _1\"></span>licy<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls5 ws3f\">on bo<span class=\"_ _1\"></span>th th<span class=\"_ _1\"></span>e inciden<span class=\"_ _1\"></span>ce of defa<span class=\"_ _1\"></span>ult<span class=\"_ _1\"></span> events<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> the sev<span class=\"_ _1\"></span>erity o<span class=\"_ _1\"></span>f loss<span class=\"_ _1\"></span>es as<span class=\"_ _1\"></span> described </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs724\">below.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs725\">The identifica<span class=\"_ _1\"></span>tion of cus<span class=\"_ _1\"></span>tomers experienci<span class=\"_ _1\"></span>ng signifi<span class=\"_ _1\"></span>cant increase in<span class=\"_ _1\"></span> credit risk or cr<span class=\"_ _1\"></span>edit impairmen<span class=\"_ _1\"></span>t in the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1c gs726\">context of th<span class=\"_ _1\"></span>e elevated level of uncerta<span class=\"_ _1\"></span>inty is also highl<span class=\"_ _1\"></span>y judgemental due to<span class=\"_ _1\"></span> limitations in availa<span class=\"_ _1\"></span>ble credit </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs727\">information<span class=\"_ _1\"></span> on custo<span class=\"_ _1\"></span>mers in certain <span class=\"ws8\">ins<span class=\"_ _1\"></span>tances.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs728\">As pr<span class=\"_ _1\"></span>eviou<span class=\"_ _1\"></span>sly exp<span class=\"_ _1\"></span>lained<span class=\"_ _1\"></span> in vi<span class=\"_ _1\"></span>ew of the n<span class=\"_ _1\"></span>ature o<span class=\"_ _1\"></span>f th<span class=\"_ _1\"></span>e Bank\u2019<span class=\"_ _1\"></span>s por<span class=\"_ _1\"></span>tfolio,<span class=\"_ _1\"></span> where a r<span class=\"_ _1\"></span>elati<span class=\"_ _1\"></span>vely <span class=\"_ _1\"></span>small n<span class=\"_ _1\"></span>umber o<span class=\"_ _1\"></span>f </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs729\">loans compr<span class=\"_ _0\"></span>ise a <span class=\"_ _0\"></span>signif<span class=\"_ _0\"></span>icant p<span class=\"_ _0\"></span>roporti<span class=\"_ _0\"></span>on of the l<span class=\"_ _0\"></span>oan boo<span class=\"_ _0\"></span>k va<span class=\"_ _0\"></span>lue, the<span class=\"_ _0\"></span> Bank cont<span class=\"_ _0\"></span>inue<span class=\"_ _0\"></span>d to ap<span class=\"_ _0\"></span>ply an i<span class=\"_ _0\"></span>ndividu<span class=\"_ _0\"></span>al<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws16 gs72a\">debtor<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">focused cred<span class=\"_ _1\"></span>it ma<span class=\"_ _1\"></span>nagem<span class=\"_ _1\"></span>ent pr<span class=\"_ _1\"></span>ocess<span class=\"_ _1\"></span>.  </span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs72b\">Judgeme<span class=\"_ _0\"></span>nt was re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d in de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ining w<span class=\"_ _0\"></span>hether indivi<span class=\"_ _0\"></span>duall<span class=\"_ _0\"></span>y signif<span class=\"_ _0\"></span>icant loan<span class=\"_ _0\"></span>s have<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>rienc<span class=\"_ _0\"></span>ed a SIC<span class=\"_ _0\"></span>R or a </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs72c\">UTP event, es<span class=\"_ _1\"></span>pecially with<span class=\"_ _1\"></span>in th<span class=\"_ _1\"></span>e Bank\u2019s corp<span class=\"_ _1\"></span>orate and co<span class=\"_ _1\"></span>mmercial p<span class=\"_ _1\"></span>ortfolio. I<span class=\"_ _1\"></span>n this re<span class=\"_ _1\"></span>spect, as<span class=\"_ _1\"></span> part of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1e gs72d\">manag<span class=\"_ _1\"></span>ement\u2019<span class=\"_ _1\"></span>s resp<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>e to th<span class=\"_ _1\"></span>e current<span class=\"_ _1\"></span> <span class=\"ws7\">econ<span class=\"_ _1\"></span>omic<span class=\"_ _1\"></span> <span class=\"_ _14\"></span><span class=\"ls8 ws33\">environme<span class=\"_ _0\"></span>nt, the Bank assesse<span class=\"_ _0\"></span>s and indi<span class=\"_ _0\"></span>vidually ra<span class=\"_ _0\"></span>tes </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws58 gs72e\">those indivi<span class=\"_ _0\"></span>dually signi<span class=\"_ _0\"></span>ficant<span class=\"_ _0\"></span> borrowe<span class=\"_ _0\"></span>rs which ar<span class=\"_ _0\"></span>e deemed mostl<span class=\"_ _0\"></span>y impacted by <span class=\"ls7 ws78\">m<span class=\"_ _0\"></span>arket and economic </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs72f\">pressures thr<span class=\"_ _0\"></span>ough in<span class=\"_ _0\"></span>dividual <span class=\"_ _0\"></span>peri<span class=\"_ _0\"></span>odic cre<span class=\"_ _0\"></span>dit assessm<span class=\"_ _0\"></span>ents on the<span class=\"_ _0\"></span> basis of re<span class=\"_ _0\"></span>centl<span class=\"_ _0\"></span>y obtain<span class=\"_ _0\"></span>ed manag<span class=\"_ _0\"></span>ement </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs730\">inf<span class=\"ls5 ws22\">ormat<span class=\"_ _1\"></span>ion, i<span class=\"_ _1\"></span>nclud<span class=\"_ _1\"></span>ing for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span>. As par<span class=\"_ _1\"></span>t of these c<span class=\"_ _1\"></span>redit a<span class=\"_ _1\"></span>ssess<span class=\"_ _1\"></span>ments,<span class=\"_ _1\"></span> judgemen<span class=\"_ _1\"></span>t is ex<span class=\"_ _1\"></span>ercis<span class=\"_ _1\"></span>ed in ev<span class=\"_ _1\"></span>aluat<span class=\"_ _1\"></span>ing </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs731\">all relevant in<span class=\"_ _1\"></span>formation on<span class=\"_ _1\"></span> indicators of impairment, p<span class=\"_ _1\"></span>articularly where factors<span class=\"_ _1\"></span> indicate d<span class=\"_ _1\"></span>eterioration in t<span class=\"_ _1\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs732\">financial condition and outloo<span class=\"_ _0\"></span>k of borro<span class=\"ls6 ws7\">wers affecting their <span class=\"_ _1\"></span>ability to p<span class=\"_ _1\"></span>ay.<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws51 gs733\">For indiv<span class=\"_ _1\"></span>idually s<span class=\"_ _1\"></span>ignificant credit i<span class=\"_ _1\"></span>mpaired loa<span class=\"_ _1\"></span>ns, managem<span class=\"_ _1\"></span>ent determin<span class=\"_ _1\"></span>es the size<span class=\"_ _1\"></span> of the allo<span class=\"_ _1\"></span>wance </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs734\">require<span class=\"_ _0\"></span>d based on a ra<span class=\"_ _0\"></span>nge of<span class=\"_ _0\"></span> factor<span class=\"_ _0\"></span>s such as the<span class=\"_ _0\"></span> real<span class=\"_ _0\"></span>isable val<span class=\"_ _0\"></span>ue of se<span class=\"_ _0\"></span>curity, t<span class=\"_ _0\"></span>he viabil<span class=\"_ _0\"></span>ity of<span class=\"_ _0\"></span> the custo<span class=\"_ _0\"></span>mers\u2019 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws62 gs735\">business m<span class=\"_ _0\"></span>odel and<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>apaci<span class=\"_ _0\"></span>ty to ge<span class=\"_ _0\"></span>nerate<span class=\"_ _0\"></span> c<span class=\"ls5 ws2f\">ash flows<span class=\"_ _1\"></span> to servi<span class=\"_ _1\"></span>ce debt o<span class=\"_ _1\"></span>bligat<span class=\"_ _1\"></span>ions, un<span class=\"_ _1\"></span>der di<span class=\"_ _1\"></span>fferent </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs736\">scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> Jud<span class=\"_ _1\"></span>gement is<span class=\"_ _1\"></span> applied<span class=\"_ _1\"></span> in esti<span class=\"_ _1\"></span>mating<span class=\"_ _1\"></span> the expec<span class=\"_ _1\"></span>ted fu<span class=\"_ _1\"></span>ture ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws from ea<span class=\"_ _1\"></span>ch bor<span class=\"_ _1\"></span>rower an<span class=\"_ _1\"></span>d the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs737\">time to r<span class=\"_ _1\"></span>ecov<span class=\"_ _1\"></span>er thes<span class=\"_ _1\"></span>e cash<span class=\"_ _1\"></span> flows<span class=\"_ _1\"></span> under<span class=\"_ _1\"></span> the differ<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span> scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> as well a<span class=\"_ _1\"></span>s to a<span class=\"_ _1\"></span>ttach<span class=\"_ _1\"></span> probab<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls9 ws15e\">to those </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws80 gs738\">scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> The ass<span class=\"_ _1\"></span>umpt<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> around<span class=\"_ _1\"></span> forecas<span class=\"_ _1\"></span>ted reco<span class=\"_ _1\"></span>verie<span class=\"_ _1\"></span>s from th<span class=\"_ _1\"></span>e sale o<span class=\"_ _1\"></span>f collat<span class=\"_ _1\"></span>era<span class=\"_ _1\"></span>lised<span class=\"_ _1\"></span> prop<span class=\"_ _1\"></span>erties,<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs739\">includin<span class=\"_ _1\"></span>g valuatio<span class=\"_ _1\"></span>n haircuts and time to recov<span class=\"_ _1\"></span>ery, are key drivers in<span class=\"_ _1\"></span> the estimation<span class=\"_ _1\"></span> of credit loss allowan<span class=\"_ _1\"></span>ces </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs73a\">in respect of in<span class=\"_ _1\"></span>dividua<span class=\"_ _1\"></span>lly assessed<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls8 wsa\">loans. The<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt ec<span class=\"_ _0\"></span>onomic c<span class=\"_ _0\"></span>onditions w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> local prope<span class=\"_ _0\"></span>rty mark<span class=\"_ _0\"></span>et </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs73b\">increa<span class=\"_ _0\"></span>ses the leve<span class=\"_ _0\"></span>l of expert<span class=\"_ _0\"></span> judgement<span class=\"_ _0\"></span> required to<span class=\"_ _0\"></span> predict with r<span class=\"_ _0\"></span>easonable<span class=\"_ _0\"></span> accuracy the re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>ability of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs73c\">exposures through the sale of<span class=\"_ _11\"></span> collateral.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws16 gs73d\">In lin<span class=\"_ _1\"></span>e with t<span class=\"_ _1\"></span>he resu<span class=\"_ _1\"></span>lts of r<span class=\"_ _1\"></span>eviews d<span class=\"_ _1\"></span>escrib<span class=\"_ _1\"></span>ed abo<span class=\"_ _1\"></span>ve, th<span class=\"_ _1\"></span>e outco<span class=\"_ _1\"></span>me of th<span class=\"_ _1\"></span>e ind<span class=\"_ _1\"></span>ividu<span class=\"_ _1\"></span>al as<span class=\"_ _1\"></span>sessments<span class=\"_ _1\"></span> indic<span class=\"_ _1\"></span>ate tha<span class=\"_ _1\"></span>t </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs73e\">the lev<span class=\"_ _1\"></span>el of bu<span class=\"_ _1\"></span>siness<span class=\"_ _1\"></span> experien<span class=\"_ _1\"></span>ced by<span class=\"_ _1\"></span> the borro<span class=\"_ _1\"></span>wers is robu<span class=\"_ _1\"></span>st and in<span class=\"_ _1\"></span>dica<span class=\"_ _1\"></span>tive of mo<span class=\"_ _1\"></span>re effective b<span class=\"_ _1\"></span>usi<span class=\"_ _1\"></span>ness </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3f gs73f\">models<span class=\"_ _1\"></span>. The cur<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span> economi<span class=\"_ _1\"></span>c d<span class=\"_ _1\"></span>evelop<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>r<span class=\"ls8 ws18\">e unlike<span class=\"_ _0\"></span>ly to have any si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant im<span class=\"_ _0\"></span>pact on a<span class=\"_ _0\"></span>ny of the B<span class=\"_ _0\"></span>ank\u2019s </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws23 gs740\">individ<span class=\"_ _1\"></span>ually sign<span class=\"_ _1\"></span>ificant cust<span class=\"_ _1\"></span>omers, which would<span class=\"_ _1\"></span> then in tu<span class=\"_ _1\"></span>rn material<span class=\"_ _1\"></span>ly impact t<span class=\"_ _1\"></span>he overall <span class=\"_ _1\"></span>Bank\u2019s credi<span class=\"_ _1\"></span>t risk </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs741\">level<span class=\"_ _0\"></span>, other tha<span class=\"_ _0\"></span>n what is al<span class=\"_ _0\"></span>ready consi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d in the f<span class=\"_ _0\"></span>orward<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls7 ws84\">looking information inc<span class=\"ls8 ws53\">or<span class=\"_ _0\"></span>porated w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> ECL<span class=\"_ _0\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs742\">model.  <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs743\">As highligh<span class=\"_ _1\"></span>ted previou<span class=\"_ _1\"></span>sly, du<span class=\"_ _1\"></span>ring 202<span class=\"ls1 ws1\">5 <span class=\"_ _13\"></span><span class=\"ls8 ws1b\">the Bank<span class=\"_ _0\"></span> continue<span class=\"_ _0\"></span>d to perform re<span class=\"_ _0\"></span>gular a<span class=\"_ _0\"></span>nd detailed revi<span class=\"_ _0\"></span>ews on its<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs744\">lending<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs on individual<span class=\"_ _0\"></span> and sector<span class=\"_ _0\"></span>ial bases.<span class=\"_ _0\"></span> The re<span class=\"_ _0\"></span>sults of suc<span class=\"_ _0\"></span>h revie<span class=\"_ _0\"></span>ws, also i<span class=\"_ _0\"></span>n the conte<span class=\"_ _0\"></span>xt of t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs745\">economic perfor<span class=\"_ _1\"></span>mance during<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">5</span>, suggest<span class=\"_ _1\"></span> a <span class=\"ls8 ws16\">conti<span class=\"_ _0\"></span>nued<span class=\"_ _0\"></span> <span class=\"ws53\">i<span class=\"_ _0\"></span>mprovem<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>he busi<span class=\"_ _0\"></span>ness an<span class=\"_ _0\"></span>d prospe<span class=\"_ _0\"></span>cts of<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs746\">same b<span class=\"_ _1\"></span>orrowers<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ingly<span class=\"_ _1\"></span> the Ban<span class=\"_ _1\"></span>k determi<span class=\"_ _1\"></span>ned th<span class=\"_ _1\"></span>at th<span class=\"_ _1\"></span>e level of cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span> risk ema<span class=\"_ _1\"></span>nat<span class=\"_ _1\"></span>ing di<span class=\"_ _1\"></span>rectly fr<span class=\"_ _1\"></span>om </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs747\">econo<span class=\"_ _1\"></span>mic <span class=\"_ _13\"></span><span class=\"ls6 ws8\">u<span class=\"_ _1\"></span>ncertainties <span class=\"_ _14\"></span><span class=\"ls8 wsb\">has decreased conside<span class=\"_ _0\"></span>rably. <span class=\"ls6 ws49\">Particularly, i<span class=\"_ _1\"></span><span class=\"ls7 ws82\">n respect of corporate<span class=\"_ _0\"></span> and commercial </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs748\">exposure<span class=\"_ _0\"></span>s, during 20<span class=\"_ _0\"></span>2<span class=\"ls1 ws1\">5<span class=\"lsb ws2c\">, <span class=\"_ _13\"></span></span></span>the Bank continued to <span class=\"lse ws15f\">c<span class=\"_ _0\"></span>arry o<span class=\"_ _0\"></span>ut assessme<span class=\"_ _0\"></span>nts on <span class=\"ls8 ws3a\">such bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs on an ongoi<span class=\"_ _0\"></span>ng </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs749\">basis<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls8 wsa\">throug<span class=\"_ _0\"></span>h individ<span class=\"_ _0\"></span>ual ad<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">hoc credit reviews</span>. </span></span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-18": {
   "value": "3.  Accounting estimates and judgements 3.1  Critical accounting estimates and judgements in applying the Group\u2019s accounting policies       Estimates and judgements are continually evaluated and based on historical experience and other factors including expectations of future events that are believed to be reasonable under the circumstances. The Group makes estimates and assumptions concerning the future. The resulting accounting estimates will, by definition, seldom equal the related actual results. These estimates and assumptions present a risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year. The Group\u2019s management also makes judgements, apart from those involving estimations, in the process of applying the entity's accounting policies that may have a significant effect on the amounts recognised in the financial statements. 3.2  Measurement of expected credit losses  The measurement of the Expected Credit Loss allowance for financial assets measured at amortised cost and debt securities measured at FVOCI is an area that requires the use of complex models and significant assumptions about future economic conditions and credit behaviour. Explanation of the inputs, assumptions and estimation techniques used in measuring ECL is further detailed in note 2. A number of significant judgements are required in measurement of Expected Credit Loss, such as: \u2022  Determining criteria for significant increase in credit risk; \u2022  Choosing appropriate models and assumptions for the measurement of ECL; and \u2022  Establishing the number and relative weightings of forward-looking scenarios and associated ECL. Detailed information about the judgements and estimates made by the Bank in the above areas is set out in note 2. 3.3  Assessment of estimates and judgements In the opinion of the Directors, the accounting estimates and judgements made in the course of preparing these consolidated financial statements, which have been highlighted above, are not difficult, subjective or complex to a degree which would warrant their description as critical in terms of the requirements of IAS 1. However, the Directors would like to draw attention to those accounting judgements that have a significant risk of resulting in a material adjustment to the carrying amounts of assets and liabilities within the next financial year. In this respect these primarily comprise assumptions and estimates relating to the calculation of expected credit loss allowances in respect of loans and advances to customers (see notes 2.3, 8 and 32).   As previously explained, local economic growth moderated during 2025, amidst a context of weakening global outlook characterised by heightened uncertainty related to tariffs and geopolitical tensions. Within the Euro Area, economic performance was mixed. The anticipation of tariffs resulted in trade front loading, which once it had faded away, weaker data started to emerge. Inflation has settled close to ECB targets. As a result, the ECB has kept its interest rates on the deposit facility, the main refinancing operations and the marginal lending facility unchanged at 2.00%, 2.15% and 2.40% respectively. As for the rest of the world, the IMF sees the risks to the outlook tilted to the downside, weighed down uncertainties regarding protectionist measures, geopolitical tensions and larger-than-expected shocks to labour supply from restrictive immigration policies. Local economic growth moderated, as Malta moves further away from the post-pandemic recovery, in a context of a weakening global outlook, characterised by trade policy uncertainty and geopolitical tensions. The Central Bank of Malta forecasts that Malta\u2019s real GDP growth will moderate from 6.8% in 2024 to 3.7% in 2025 and remain at 3.7% in both 2026 and 2027. This trend is also confirmed by the European Commission, which expects it to be driven mainly by robust private and public consumption, investment, and supported by growth in tourism, gaming and financial and professional services.  The exercise of judgement in making estimations requires the use of assumptions that are highly subjective and very sensitive to the risk factors detailed in note 2.3.4. In addition, many of the factors have a high degree of interdependency and there is no single factor to which loan credit loss allowances as a whole is sensitive.  The underlying models and their calibration, including how they react to forward-looking economic conditions, continue to remain highly subjective. Significant judgement is required in establishing the number, severity and relative weightings of forward- looking economic scenarios given the rapidly changing economic conditions and wide economic forecasts due to the potential impacts of the factors referred to previously, in response to global geopolitical tensions.  Significant judgement is therefore also required in making assumptions about the effects of inflation, interest rates, economic growth, and supply chain disruptions. As alluded to earlier, there is an absence of an observable historical trend that can accurately represent the severity and speed of such forecasts, which represent a high degree of estimation uncertainty, particularly in assessing downside scenarios. Such complexities have never been modelled. In view of the above, management considered the sensitivity of the ECL outcome to the macro-economic forecasts by recalculating the ECL under the different scenarios, applying a 100% weighting to each scenario.  The effect of economic uncertainty on the ECL outcome is disclosed in the sensitivity analysis presented in Note 2.3.4.4. The ECL calculated for the upside and downside scenarios should not be taken to represent the upper and lower limits of possible ECL outcomes as there is a high degree of estimation uncertainty in the numbers representing tail risk scenarios when assigned a 100% weighting. Management applied a higher level of expert judgement in order to assess the impact of the current geopolitical and macro-economic environment on the local group\u2019s level of defaults, including evaluating the impact of monetary policy on both the incidence of default events and the severity of losses as described below. The identification of customers experiencing significant increase in credit risk or credit impairment in the context of the elevated level of uncertainty is also highly judgemental due to limitations in available credit information on customers in certain instances. As previously explained in view of the nature of the Bank\u2019s portfolio, where a relatively small number of loans comprise a significant proportion of the loan book value, the Bank continued to apply an individual debtor-focused credit management process.   Judgement was required in determining whether individually significant loans have experienced a SICR or a UTP event, especially within the Bank\u2019s corporate and commercial portfolio. In this respect, as part of management\u2019s response to the current economic environment, the Bank assesses and individually rates those individually significant borrowers which are deemed mostly impacted by market and economic pressures through individual periodic credit assessments on the basis of recently obtained management information, including forecasts. As part of these credit assessments, judgement is exercised in evaluating all relevant information on indicators of impairment, particularly where factors indicate deterioration in the financial condition and outlook of borrowers affecting their ability to pay. For individually significant credit impaired loans, management determines the size of the allowance required based on a range of factors such as the realisable value of security, the viability of the customers\u2019 business model and the capacity to generate cash flows to service debt obligations, under different scenarios. Judgement is applied in estimating the expected future cash flows from each borrower and the time to recover these cash flows under the different scenarios as well as to attach probabilities to those scenarios. The assumptions around forecasted recoveries from the sale of collateralised properties, including valuation haircuts and time to recovery, are key drivers in the estimation of credit loss allowances in respect of individually assessed loans. The current economic conditions within the local property market increases the level of expert judgement required to predict with reasonable accuracy the recoverability of exposures through the sale of collateral. In line with the results of reviews described above, the outcome of the individual assessments indicate that the level of business experienced by the borrowers is robust and indicative of more effective business models. The current economic developments are unlikely to have any significant impact on any of the Bank\u2019s individually significant customers, which would then in turn materially impact the overall Bank\u2019s credit risk level, other than what is already considered in the forward-looking information incorporated within the ECL model.   As highlighted previously, during 2025 the Bank continued to perform regular and detailed reviews on its lending customers on individual and sectorial bases. The results of such reviews, also in the context of the economic performance during 2025, suggest a continued improvement in the business and prospects of the same borrowers and accordingly the Bank determined that the level of credit risk emanating directly from economic uncertainties has decreased considerably. Particularly, in respect of corporate and commercial exposures, during 2025, the Bank continued to carry out assessments on such borrowers on an ongoing basis through individual ad-hoc credit reviews. ",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-501": {
   "value": "3.<span class=\"ls1 ws1\"> <span class=\"_ _91\"> </span></span><span class=\"ws3\">Accounting<span class=\"_ _0\"></span> estima<span class=\"_ _0\"></span>tes an<span class=\"_ _0\"></span>d judg<span class=\"_ _0\"></span>ements<span class=\"ff5 fs1 ls1 ws1\"> </span></span>3.1<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span></span><span class=\"ws7\">Critical account<span class=\"_ _1\"></span>ing estimat<span class=\"_ _1\"></span>es and ju<span class=\"_ _1\"></span>dgements in ap<span class=\"_ _1\"></span>plying the Group\u2019<span class=\"_ _1\"></span>s account<span class=\"_ _1\"></span>ing policies      <span class=\"ls1 ws1\"> </span></span>Estimate<span class=\"_ _0\"></span>s and judge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts are<span class=\"_ _0\"></span> continual<span class=\"_ _0\"></span>ly evaluat<span class=\"_ _0\"></span>ed and <span class=\"_ _0\"></span>base<span class=\"_ _0\"></span>d on hi<span class=\"_ _0\"></span>storical<span class=\"_ _0\"></span> exper<span class=\"_ _0\"></span>ience<span class=\"_ _0\"></span> and other<span class=\"_ _0\"></span> factor<span class=\"_ _0\"></span>s including<span class=\"_ _0\"></span> expec<span class=\"_ _0\"></span>tations of<span class=\"_ _0\"></span> future<span class=\"_ _0\"></span> events tha<span class=\"_ _0\"></span>t are be<span class=\"_ _0\"></span>lieve<span class=\"_ _0\"></span>d to be re<span class=\"_ _0\"></span>asonable unde<span class=\"_ _0\"></span>r the c<span class=\"_ _0\"></span>ircum<span class=\"_ _0\"></span>stances.<span class=\"_ _0\"></span> The G<span class=\"_ _0\"></span>roup make<span class=\"_ _0\"></span>s estim<span class=\"_ _0\"></span>ates and as<span class=\"_ _0\"></span>sumptions<span class=\"_ _0\"></span> conce<span class=\"_ _0\"></span>rning <span class=\"_ _0\"></span>the f<span class=\"_ _0\"></span>uture. T<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>sulting ac<span class=\"_ _0\"></span>counting<span class=\"_ _0\"></span> estim<span class=\"_ _0\"></span>ates will,<span class=\"_ _0\"></span> by definitio<span class=\"_ _0\"></span>n, seldom<span class=\"_ _0\"></span> equal the re<span class=\"_ _0\"></span>lated actual<span class=\"_ _0\"></span> results.<span class=\"_ _0\"></span> These est<span class=\"_ _0\"></span>imates and assumpt<span class=\"_ _0\"></span>ions pre<span class=\"_ _0\"></span>sent a ri<span class=\"_ _0\"></span>sk of causing a mater<span class=\"_ _0\"></span>ial adjustme<span class=\"_ _0\"></span>nt to the carryin<span class=\"ls6 wsd\">g amounts of assets and lia<span class=\"_ _1\"></span>bilities within<span class=\"_ _1\"></span> the next financial<span class=\"_ _1\"></span> </span>year. Th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s man<span class=\"_ _1\"></span>agemen<span class=\"_ _1\"></span>t als<span class=\"_ _1\"></span>o makes<span class=\"_ _1\"></span> judgemen<span class=\"_ _1\"></span>ts,<span class=\"_ _1\"></span> apart fro<span class=\"_ _1\"></span>m thos<span class=\"_ _1\"></span>e invo<span class=\"_ _1\"></span>lving es<span class=\"_ _1\"></span>timatio<span class=\"_ _1\"></span>ns, i<span class=\"_ _1\"></span>n the process o<span class=\"_ _1\"></span>f applying the entity's<span class=\"_ _1\"></span> accountin<span class=\"_ _1\"></span>g policies that may hav<span class=\"_ _1\"></span>e a significant effect on the <span class=\"ls7 ws4e\">amounts </span>recognised in<span class=\"_ _1\"></span> the financial s<span class=\"_ _1\"></span>tatements.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>3.2<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span>M<span class=\"ls5 ws6\">easurem<span class=\"_ _1\"></span>ent o<span class=\"_ _1\"></span>f expect<span class=\"_ _1\"></span>ed cre<span class=\"_ _1\"></span>dit lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span></span>  </span>The mea<span class=\"_ _1\"></span>surem<span class=\"_ _1\"></span>ent of t<span class=\"_ _1\"></span>he Exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> Credi<span class=\"_ _1\"></span>t Los<span class=\"_ _1\"></span>s allo<span class=\"_ _1\"></span>wance <span class=\"_ _1\"></span>for fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets meas<span class=\"_ _1\"></span>ured<span class=\"_ _1\"></span> at amor<span class=\"_ _1\"></span>tised c<span class=\"_ _1\"></span>ost and debt sec<span class=\"_ _0\"></span>uritie<span class=\"_ _0\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI is an ar<span class=\"_ _0\"></span>ea that r<span class=\"_ _0\"></span>equi<span class=\"_ _0\"></span>res the use<span class=\"_ _0\"></span> of co<span class=\"_ _0\"></span>mplex<span class=\"_ _0\"></span> models and signif<span class=\"_ _0\"></span>icant assumptions a<span class=\"_ _0\"></span>bout futur<span class=\"_ _0\"></span>e ec<span class=\"_ _0\"></span>onomic condi<span class=\"_ _0\"></span>tions and c<span class=\"_ _0\"></span>redit be<span class=\"_ _0\"></span>haviour. Ex<span class=\"_ _0\"></span>planatio<span class=\"_ _0\"></span>n of the<span class=\"_ _0\"></span> inputs, assumptions<span class=\"_ _0\"></span> and estim<span class=\"_ _0\"></span>ation t<span class=\"_ _0\"></span>echnique<span class=\"_ _0\"></span>s used in m<span class=\"_ _0\"></span>easuring<span class=\"_ _0\"></span> ECL i<span class=\"_ _0\"></span>s furthe<span class=\"_ _0\"></span>r detai<span class=\"_ _0\"></span>led in note<span class=\"_ _0\"></span> 2. <span class=\"ls1 ws1\"> </span>A number<span class=\"_ _0\"></span> of signi<span class=\"_ _0\"></span>ficant<span class=\"_ _0\"></span> judgeme<span class=\"_ _0\"></span>nts are re<span class=\"_ _0\"></span>quired i<span class=\"_ _0\"></span>n measureme<span class=\"_ _0\"></span>nt of Expe<span class=\"_ _0\"></span>cted C<span class=\"_ _0\"></span>redit Loss, such<span class=\"_ _0\"></span> as:<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws7\">Determining crite<span class=\"_ _1\"></span>ria for signi<span class=\"_ _1\"></span>ficant in<span class=\"_ _1\"></span>crease in credit ris<span class=\"_ _1\"></span>k;</span> \u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Choosing<span class=\"_ _0\"></span> appropriate<span class=\"_ _0\"></span> mode<span class=\"_ _0\"></span>ls and assum<span class=\"_ _0\"></span>ptions for t<span class=\"_ _0\"></span>he me<span class=\"_ _0\"></span>asurem<span class=\"_ _0\"></span>ent of EC<span class=\"_ _0\"></span>L; and<span class=\"ls1 ws1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls8 wsa\">Establishi<span class=\"_ _0\"></span>ng the num<span class=\"_ _0\"></span>ber and r<span class=\"_ _11\"></span>elative weig<span class=\"_ _0\"></span>htings of f<span class=\"_ _0\"></span>orwar<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls7\">looking scenarios and associate<span class=\"_ _0\"></span>d ECL.<span class=\"ls1\"> </span></span></span></span>Detail<span class=\"_ _0\"></span>ed inf<span class=\"_ _0\"></span>ormation about t<span class=\"_ _0\"></span>he judge<span class=\"_ _0\"></span>ments and esti<span class=\"_ _0\"></span>mates m<span class=\"_ _0\"></span>ade by the<span class=\"_ _0\"></span> Bank in the<span class=\"_ _0\"></span> above are<span class=\"_ _0\"></span>as is set out in note 2.<span class=\"ls1 ws1\"> </span>3.3<span class=\"ls1 ws1\"> <span class=\"_ _3f\"> </span><span class=\"ls5 ws6\">Asses<span class=\"_ _1\"></span>sment o<span class=\"_ _1\"></span>f estima<span class=\"_ _1\"></span>tes an<span class=\"_ _1\"></span>d jud<span class=\"_ _1\"></span>gements<span class=\"_ _1\"></span></span> </span>In the opini<span class=\"_ _0\"></span>on of<span class=\"_ _0\"></span> the Dir<span class=\"_ _0\"></span>ector<span class=\"_ _0\"></span>s, the acc<span class=\"_ _0\"></span>ounting e<span class=\"_ _0\"></span>stimate<span class=\"_ _0\"></span>s and judg<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts made i<span class=\"_ _0\"></span>n the cour<span class=\"_ _0\"></span>se of pr<span class=\"_ _0\"></span>eparing<span class=\"_ _11\"></span> these c<span class=\"_ _0\"></span>onsolidate<span class=\"_ _0\"></span>d financi<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atem<span class=\"_ _0\"></span>ents, w<span class=\"_ _0\"></span>hich have be<span class=\"_ _0\"></span>en hi<span class=\"_ _0\"></span>ghli<span class=\"_ _0\"></span>ghted above<span class=\"_ _0\"></span>, are n<span class=\"_ _0\"></span>ot dif<span class=\"_ _0\"></span>ficul<span class=\"_ _0\"></span>t, subje<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span> or complex<span class=\"_ _1\"></span> to a d<span class=\"_ _1\"></span>egree whi<span class=\"_ _1\"></span>ch wo<span class=\"_ _1\"></span>uld war<span class=\"_ _1\"></span>rant t<span class=\"_ _1\"></span>h<span class=\"ls6 ws1d\">eir descript<span class=\"_ _1\"></span>ion as critical in<span class=\"_ _1\"></span> terms of the requirements<span class=\"_ _1\"></span> of IAS 1.<span class=\"ls1 ws1\"> </span></span>Howeve<span class=\"_ _0\"></span>r, the Dir<span class=\"_ _0\"></span>ectors woul<span class=\"_ _0\"></span>d like t<span class=\"_ _0\"></span>o draw att<span class=\"_ _0\"></span>ention to t<span class=\"_ _0\"></span>hose acco<span class=\"_ _0\"></span>unting judge<span class=\"_ _0\"></span>ments that have<span class=\"_ _0\"></span> a signif<span class=\"_ _0\"></span>icant risk of resu<span class=\"_ _1\"></span>lting in a material adj<span class=\"_ _1\"></span>ustment to t<span class=\"_ _1\"></span>he carrying amount<span class=\"_ _1\"></span>s of assets an<span class=\"_ _1\"></span>d liabilities within<span class=\"_ _1\"></span> the next financi<span class=\"_ _0\"></span>al year.<span class=\"_ _0\"></span> In this re<span class=\"_ _0\"></span>spect the<span class=\"_ _0\"></span>se pr<span class=\"ls6 ws12\">imarily comprise ass<span class=\"_ _1\"></span>umptions<span class=\"_ _1\"></span> and estimat<span class=\"_ _1\"></span>es relating to th<span class=\"_ _1\"></span>e calculation </span>of expected cred<span class=\"_ _1\"></span>it loss allo<span class=\"_ _1\"></span>wances in resp<span class=\"_ _1\"></span>ect of loans a<span class=\"_ _1\"></span>nd advances<span class=\"_ _1\"></span> to customers (see not<span class=\"_ _1\"></span>es 2.3, 8 and 32).  <span class=\"ls1 ws1\"> </span>As previou<span class=\"_ _1\"></span>sly explained, l<span class=\"_ _1\"></span>ocal economic growth moderat<span class=\"_ _1\"></span>ed durin<span class=\"_ _1\"></span>g 2025, amidst a context of weakenin<span class=\"_ _1\"></span>g global ou<span class=\"_ _1\"></span>tlook chara<span class=\"_ _1\"></span>cterised b<span class=\"_ _1\"></span>y heightened u<span class=\"_ _1\"></span>ncertainty rel<span class=\"_ _1\"></span>ated to ta<span class=\"_ _1\"></span>riffs and geopo<span class=\"_ _1\"></span>litical ten<span class=\"_ _1\"></span>sions. W<span class=\"_ _1\"></span>ithin the E<span class=\"_ _1\"></span>uro Area<span class=\"_ _1\"></span>, econo<span class=\"_ _1\"></span>mic p<span class=\"_ _1\"></span>erfo<span class=\"_ _1\"></span>rmance <span class=\"_ _1\"></span>was mix<span class=\"_ _1\"></span>ed. T<span class=\"ls6 ws1d\">h<span class=\"_ _1\"></span>e anticip<span class=\"_ _1\"></span>ation of tar<span class=\"_ _1\"></span>iffs resulted<span class=\"_ _1\"></span> in trad<span class=\"_ _1\"></span>e front loadin<span class=\"_ _1\"></span>g, </span>which o<span class=\"_ _1\"></span>nce it h<span class=\"_ _1\"></span>ad fad<span class=\"_ _1\"></span>ed away<span class=\"_ _1\"></span>, weaker<span class=\"_ _1\"></span> data s<span class=\"_ _1\"></span>tart<span class=\"_ _1\"></span>ed to emerg<span class=\"_ _1\"></span>e. Inflat<span class=\"_ _1\"></span>ion h<span class=\"_ _1\"></span>as s<span class=\"_ _1\"></span>ettled cl<span class=\"_ _1\"></span>ose to ECB<span class=\"_ _1\"></span> targets<span class=\"_ _1\"></span>. As a result, <span class=\"_ _0\"></span>the EC<span class=\"_ _0\"></span>B has k<span class=\"_ _0\"></span>ept i<span class=\"_ _0\"></span>ts inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ates on<span class=\"_ _0\"></span> the depo<span class=\"_ _0\"></span>sit f<span class=\"_ _0\"></span>aci<span class=\"_ _0\"></span>lity, the<span class=\"_ _0\"></span> main re<span class=\"_ _0\"></span>financ<span class=\"_ _0\"></span>ing o<span class=\"_ _0\"></span>peratio<span class=\"_ _0\"></span>ns and the<span class=\"_ _0\"></span> marginal lendi<span class=\"_ _1\"></span>ng facility<span class=\"_ _1\"></span> unchanged<span class=\"_ _1\"></span> at 2.00%, 2.15% and<span class=\"_ _1\"></span> 2.40% respectiv<span class=\"_ _1\"></span>ely.<span class=\"ls1 ws1\"> </span>As for<span class=\"_ _1\"></span> the rest<span class=\"_ _1\"></span> of the wo<span class=\"_ _1\"></span>rld, t<span class=\"_ _1\"></span>he IMF s<span class=\"_ _1\"></span>ees the r<span class=\"_ _1\"></span>isks<span class=\"_ _1\"></span> to th<span class=\"_ _1\"></span>e outlook<span class=\"_ _1\"></span> tilted<span class=\"_ _1\"></span> to th<span class=\"_ _1\"></span>e downs<span class=\"_ _1\"></span>ide, weig<span class=\"_ _1\"></span>hed do<span class=\"_ _1\"></span>wn uncertaint<span class=\"_ _1\"></span>ies regarding p<span class=\"_ _1\"></span>rotection<span class=\"_ _1\"></span>ist measures,<span class=\"_ _1\"></span> geopolitic<span class=\"_ _1\"></span>al tension<span class=\"_ _1\"></span>s and larger<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">than<span class=\"_ _1\"></span></span>-<span class=\"ls5 ws1e\">expected s<span class=\"_ _1\"></span>hock<span class=\"_ _1\"></span>s to </span></span>labour s<span class=\"_ _1\"></span>upply from restrict<span class=\"_ _1\"></span>ive immigration<span class=\"_ _1\"></span> pol<span class=\"ws8\">icies.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Local economi<span class=\"_ _0\"></span>c growth m<span class=\"_ _0\"></span>oderated, as Malta move<span class=\"_ _0\"></span>s further<span class=\"_ _0\"></span> away from the<span class=\"_ _0\"></span> post<span class=\"ls1 ws1\">-<span class=\"ls5 ws35\">pandemi<span class=\"_ _1\"></span>c recover<span class=\"_ _1\"></span>y, in a<span class=\"_ _1\"></span> </span></span>context of a <span class=\"_ _1\"></span>weakening <span class=\"_ _1\"></span>global outlo<span class=\"_ _1\"></span>ok, charact<span class=\"_ _1\"></span>erised by tra<span class=\"_ _1\"></span>de policy un<span class=\"_ _1\"></span>certainty an<span class=\"_ _1\"></span>d geopolitica<span class=\"_ _1\"></span>l tensions<span class=\"_ _1\"></span>. The Central Bank of Malta forecasts that Malta\u2019s <span class=\"ls6 ws1d\">real GDP growth will<span class=\"_ _1\"></span> modera<span class=\"_ _1\"></span>te from 6.8<span class=\"_ _1\"></span>% in 2024 to 3.<span class=\"_ _1\"></span>7% </span>in 2025 and remain<span class=\"_ _1\"></span> at 3.7%<span class=\"_ _1\"></span> in both 2026 a<span class=\"_ _1\"></span>nd 2027. Thi<span class=\"_ _1\"></span>s trend is a<span class=\"_ _1\"></span>lso confirmed b<span class=\"_ _1\"></span>y the Euro<span class=\"_ _1\"></span>pean Commission,<span class=\"_ _0\"></span> which e<span class=\"_ _0\"></span>xpect<span class=\"_ _0\"></span>s it to be drive<span class=\"_ _0\"></span>n mainly by r<span class=\"_ _0\"></span>obust pri<span class=\"_ _0\"></span>vate and publi<span class=\"_ _0\"></span>c consump<span class=\"_ _0\"></span>tion, i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt, an<span class=\"ls8 wsa\">d supporte<span class=\"_ _0\"></span>d by growt<span class=\"_ _0\"></span>h in tour<span class=\"_ _0\"></span>ism, gam<span class=\"_ _0\"></span>ing and f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> and profe<span class=\"_ _0\"></span>ssional ser<span class=\"_ _0\"></span>vices. <span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>The e<span class=\"_ _0\"></span>xercise<span class=\"_ _0\"></span> of judgem<span class=\"_ _0\"></span>ent in maki<span class=\"_ _0\"></span>ng estim<span class=\"_ _0\"></span>ations re<span class=\"_ _0\"></span>quires the<span class=\"_ _0\"></span> use of a<span class=\"_ _0\"></span>ssumptions<span class=\"_ _0\"></span> that ar<span class=\"_ _0\"></span>e highl<span class=\"_ _0\"></span>y subjecti<span class=\"_ _0\"></span>ve and ver<span class=\"_ _0\"></span>y sensiti<span class=\"_ _0\"></span>ve to<span class=\"_ _0\"></span> the ri<span class=\"_ _0\"></span>sk fa<span class=\"_ _0\"></span>ctors det<span class=\"_ _0\"></span>ailed i<span class=\"_ _0\"></span>n note<span class=\"_ _0\"></span> 2.3.<span class=\"_ _0\"></span>4. In a<span class=\"_ _0\"></span>ddition,<span class=\"_ _11\"></span> many of the f<span class=\"_ _11\"></span>actors have a<span class=\"_ _0\"></span> high<span class=\"_ _0\"></span> degre<span class=\"_ _0\"></span>e of inte<span class=\"_ _0\"></span>rdepende<span class=\"_ _0\"></span>ncy and there<span class=\"_ _0\"></span> is no<span class=\"ls1 ws1\"> <span class=\"ls6 wsd\">s<span class=\"_ _1\"></span>ingle factor to which<span class=\"_ _1\"></span> loan credit los<span class=\"_ _1\"></span>s allowan<span class=\"_ _1\"></span>ces as a whole is </span></span>sens<span class=\"_ _1\"></span>itive.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span>The unde<span class=\"_ _0\"></span>rlying m<span class=\"_ _0\"></span>odels and<span class=\"_ _0\"></span> thei<span class=\"_ _0\"></span>r calibr<span class=\"_ _0\"></span>ation, inc<span class=\"_ _0\"></span>ludi<span class=\"_ _0\"></span>ng how<span class=\"_ _0\"></span> they re<span class=\"_ _0\"></span>act to f<span class=\"_ _0\"></span>orwar<span class=\"_ _0\"></span>d<span class=\"ls1 ws1\">-<span class=\"ls6 ws8c\">looking econo<span class=\"_ _1\"></span>mic </span></span>conditio<span class=\"_ _1\"></span>ns, cont<span class=\"_ _1\"></span>inue to remain hi<span class=\"_ _1\"></span>ghly subjectiv<span class=\"_ _1\"></span>e.<span class=\"_ _bc\"> </span>Signif<span class=\"_ _0\"></span>icant judg<span class=\"_ _0\"></span>ement is re<span class=\"_ _0\"></span>quired in esta<span class=\"_ _0\"></span>blishing the<span class=\"_ _0\"></span> number, se<span class=\"_ _0\"></span>verity and r<span class=\"_ _0\"></span>elati<span class=\"_ _0\"></span>ve weightings of<span class=\"_ _0\"></span> forw<span class=\"_ _0\"></span>ard<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>looking econ<span class=\"_ _1\"></span>omic scenar<span class=\"_ _1\"></span>ios giv<span class=\"_ _1\"></span>en the rapidly<span class=\"_ _1\"></span> changing eco<span class=\"_ _1\"></span>nomic cond<span class=\"_ _1\"></span>itions an<span class=\"_ _1\"></span>d wide ec<span class=\"_ _1\"></span>onomic forecas<span class=\"_ _1\"></span>ts due to<span class=\"_ _1\"></span> the po<span class=\"_ _1\"></span>tenti<span class=\"_ _1\"></span>al imp<span class=\"_ _1\"></span>acts<span class=\"_ _1\"></span> of the fa<span class=\"_ _1\"></span>ctor<span class=\"_ _1\"></span>s refe<span class=\"ls6 ws2e\">rred<span class=\"_ _1\"></span> to prev<span class=\"_ _1\"></span>iously, i<span class=\"_ _1\"></span>n respons<span class=\"_ _1\"></span>e to global geop<span class=\"_ _1\"></span>olitical tensio<span class=\"_ _1\"></span>ns. <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>Signif<span class=\"_ _0\"></span>icant judg<span class=\"_ _0\"></span>ement i<span class=\"_ _0\"></span>s therefo<span class=\"_ _0\"></span>re also requi<span class=\"_ _0\"></span>red in m<span class=\"_ _0\"></span>aking assumptio<span class=\"_ _0\"></span>ns about the<span class=\"_ _0\"></span> effe<span class=\"_ _0\"></span>cts of inf<span class=\"_ _0\"></span>lation,<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st rates, e<span class=\"_ _0\"></span>conomic<span class=\"_ _0\"></span> growth, and supply c<span class=\"_ _0\"></span>hain disrupti<span class=\"_ _0\"></span>ons. As al<span class=\"_ _0\"></span>luded to e<span class=\"_ _0\"></span>arlie<span class=\"_ _0\"></span>r, there is an abse<span class=\"_ _0\"></span>nce of an obs<span class=\"_ _1\"></span>ervable hist<span class=\"_ _1\"></span>orical trend th<span class=\"_ _1\"></span>at can accu<span class=\"ls5 ws45\">r<span class=\"_ _1\"></span>ately r<span class=\"_ _1\"></span>epresen<span class=\"_ _1\"></span>t th<span class=\"_ _1\"></span>e sever<span class=\"_ _1\"></span>ity an<span class=\"_ _1\"></span>d sp<span class=\"_ _1\"></span>eed of su<span class=\"_ _1\"></span>ch forec<span class=\"_ _1\"></span>asts<span class=\"_ _1\"></span>, which<span class=\"_ _1\"></span> </span>repre<span class=\"_ _0\"></span>sent a hig<span class=\"_ _0\"></span>h degree<span class=\"_ _0\"></span> of estima<span class=\"_ _0\"></span>tion uncer<span class=\"_ _0\"></span>tainty, part<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ularly in asse<span class=\"_ _0\"></span>ssing do<span class=\"_ _0\"></span>wnsid<span class=\"_ _0\"></span>e scena<span class=\"_ _0\"></span>rios. Suc<span class=\"_ _0\"></span>h complex<span class=\"_ _1\"></span>ities<span class=\"_ _1\"></span> hav<span class=\"_ _1\"></span>e never b<span class=\"_ _1\"></span>een mo<span class=\"_ _1\"></span>delled.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>In vi<span class=\"_ _1\"></span>ew of the a<span class=\"_ _1\"></span>bove,<span class=\"_ _1\"></span> manage<span class=\"_ _1\"></span>ment co<span class=\"_ _1\"></span>nsid<span class=\"_ _1\"></span>ered th<span class=\"_ _1\"></span>e sens<span class=\"_ _1\"></span>itivit<span class=\"_ _1\"></span>y of th<span class=\"_ _1\"></span>e ECL ou<span class=\"_ _1\"></span>tcome to<span class=\"_ _1\"></span> the ma<span class=\"_ _1\"></span>cro<span class=\"ls1 ws1\">-</span><span class=\"ws7\">ec<span class=\"_ _1\"></span>onomi<span class=\"_ _1\"></span>c </span>forecasts b<span class=\"_ _1\"></span>y recalculatin<span class=\"_ _1\"></span>g the ECL und<span class=\"_ _1\"></span>er the different s<span class=\"_ _1\"></span>cenarios, a<span class=\"_ _1\"></span>pplying a 100% weight<span class=\"_ _1\"></span>ing to each<span class=\"_ _1\"></span> scenario. <span class=\"_ _13\"></span><span class=\"ls1 ws1\"> </span>The e<span class=\"_ _0\"></span>ffect<span class=\"_ _0\"></span> of ec<span class=\"_ _0\"></span>onomic unce<span class=\"_ _0\"></span>rtainty on the<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L outcom<span class=\"_ _0\"></span>e is <span class=\"_ _0\"></span>disclosed i<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span> sensiti<span class=\"_ _0\"></span>vity a<span class=\"_ _0\"></span>nalysi<span class=\"_ _0\"></span>s prese<span class=\"_ _0\"></span>nted in<span class=\"_ _0\"></span> Note 2.3<span class=\"_ _0\"></span>.4.4. T<span class=\"_ _0\"></span>he ECL calculated f<span class=\"_ _0\"></span>or the upside a<span class=\"_ _0\"></span>nd downside sc<span class=\"_ _0\"></span>enario<span class=\"_ _0\"></span>s should not be tak<span class=\"_ _0\"></span>en to re<span class=\"_ _0\"></span>present<span class=\"_ _0\"></span> the upper<span class=\"_ _0\"></span> and lowe<span class=\"_ _0\"></span>r limits of<span class=\"_ _0\"></span> possible ECL o<span class=\"ls5 ws3b\">utcomes as<span class=\"_ _1\"></span> there is<span class=\"_ _1\"></span> a hig<span class=\"_ _1\"></span>h degre<span class=\"_ _1\"></span>e of esti<span class=\"_ _1\"></span>mati<span class=\"_ _1\"></span>on u<span class=\"_ _1\"></span>ncerta<span class=\"_ _1\"></span>inty<span class=\"_ _1\"></span> in </span>the numbers<span class=\"_ _1\"></span> representing ta<span class=\"_ _1\"></span>il risk s<span class=\"_ _1\"></span>cenarios when<span class=\"_ _1\"></span> assigned a 100% weigh<span class=\"_ _1\"></span>ting.<span class=\"ls1 ws1\"> </span>M<span class=\"ls5 ws68\">anag<span class=\"_ _1\"></span>ement a<span class=\"_ _1\"></span>pplied<span class=\"_ _1\"></span> a higher<span class=\"_ _1\"></span> level of exp<span class=\"_ _1\"></span>ert j<span class=\"_ _1\"></span>udgem<span class=\"_ _1\"></span>ent in<span class=\"_ _1\"></span> order t<span class=\"_ _1\"></span>o asses<span class=\"_ _1\"></span>s the imp<span class=\"_ _1\"></span>act of th<span class=\"_ _1\"></span>e curren<span class=\"_ _1\"></span>t </span>geopolitical a<span class=\"_ _1\"></span>nd macro<span class=\"ls1 ws1\">-</span>econo<span class=\"_ _1\"></span>mic environment o<span class=\"_ _1\"></span>n the local gro<span class=\"_ _1\"></span>up\u2019s level of defaults<span class=\"_ _1\"></span>, including eva<span class=\"_ _1\"></span>luating the imp<span class=\"_ _1\"></span>act of mo<span class=\"_ _1\"></span>neta<span class=\"_ _1\"></span>ry po<span class=\"_ _1\"></span>licy<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls5 ws3f\">on bo<span class=\"_ _1\"></span>th th<span class=\"_ _1\"></span>e inciden<span class=\"_ _1\"></span>ce of defa<span class=\"_ _1\"></span>ult<span class=\"_ _1\"></span> events<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> the sev<span class=\"_ _1\"></span>erity o<span class=\"_ _1\"></span>f loss<span class=\"_ _1\"></span>es as<span class=\"_ _1\"></span> described </span></span>below.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The identifica<span class=\"_ _1\"></span>tion of cus<span class=\"_ _1\"></span>tomers experienci<span class=\"_ _1\"></span>ng signifi<span class=\"_ _1\"></span>cant increase in<span class=\"_ _1\"></span> credit risk or cr<span class=\"_ _1\"></span>edit impairmen<span class=\"_ _1\"></span>t in the context of th<span class=\"_ _1\"></span>e elevated level of uncerta<span class=\"_ _1\"></span>inty is also highl<span class=\"_ _1\"></span>y judgemental due to<span class=\"_ _1\"></span> limitations in availa<span class=\"_ _1\"></span>ble credit information<span class=\"_ _1\"></span> on custo<span class=\"_ _1\"></span>mers in certain <span class=\"ws8\">ins<span class=\"_ _1\"></span>tances.<span class=\"ls1 ws1\"> </span></span>As pr<span class=\"_ _1\"></span>eviou<span class=\"_ _1\"></span>sly exp<span class=\"_ _1\"></span>lained<span class=\"_ _1\"></span> in vi<span class=\"_ _1\"></span>ew of the n<span class=\"_ _1\"></span>ature o<span class=\"_ _1\"></span>f th<span class=\"_ _1\"></span>e Bank\u2019<span class=\"_ _1\"></span>s por<span class=\"_ _1\"></span>tfolio,<span class=\"_ _1\"></span> where a r<span class=\"_ _1\"></span>elati<span class=\"_ _1\"></span>vely <span class=\"_ _1\"></span>small n<span class=\"_ _1\"></span>umber o<span class=\"_ _1\"></span>f loans compr<span class=\"_ _0\"></span>ise a <span class=\"_ _0\"></span>signif<span class=\"_ _0\"></span>icant p<span class=\"_ _0\"></span>roporti<span class=\"_ _0\"></span>on of the l<span class=\"_ _0\"></span>oan boo<span class=\"_ _0\"></span>k va<span class=\"_ _0\"></span>lue, the<span class=\"_ _0\"></span> Bank cont<span class=\"_ _0\"></span>inue<span class=\"_ _0\"></span>d to ap<span class=\"_ _0\"></span>ply an i<span class=\"_ _0\"></span>ndividu<span class=\"_ _0\"></span>al<span class=\"ls1 ws1\"> </span>debtor<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">focused cred<span class=\"_ _1\"></span>it ma<span class=\"_ _1\"></span>nagem<span class=\"_ _1\"></span>ent pr<span class=\"_ _1\"></span>ocess<span class=\"_ _1\"></span>.  </span> </span>Judgeme<span class=\"_ _0\"></span>nt was re<span class=\"_ _0\"></span>quire<span class=\"_ _0\"></span>d in de<span class=\"_ _0\"></span>term<span class=\"_ _0\"></span>ining w<span class=\"_ _0\"></span>hether indivi<span class=\"_ _0\"></span>duall<span class=\"_ _0\"></span>y signif<span class=\"_ _0\"></span>icant loan<span class=\"_ _0\"></span>s have<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>rienc<span class=\"_ _0\"></span>ed a SIC<span class=\"_ _0\"></span>R or a UTP event, es<span class=\"_ _1\"></span>pecially with<span class=\"_ _1\"></span>in th<span class=\"_ _1\"></span>e Bank\u2019s corp<span class=\"_ _1\"></span>orate and co<span class=\"_ _1\"></span>mmercial p<span class=\"_ _1\"></span>ortfolio. I<span class=\"_ _1\"></span>n this re<span class=\"_ _1\"></span>spect, as<span class=\"_ _1\"></span> part of manag<span class=\"_ _1\"></span>ement\u2019<span class=\"_ _1\"></span>s resp<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>e to th<span class=\"_ _1\"></span>e current<span class=\"_ _1\"></span> <span class=\"ws7\">econ<span class=\"_ _1\"></span>omic<span class=\"_ _1\"></span> <span class=\"_ _14\"></span><span class=\"ls8 ws33\">environme<span class=\"_ _0\"></span>nt, the Bank assesse<span class=\"_ _0\"></span>s and indi<span class=\"_ _0\"></span>vidually ra<span class=\"_ _0\"></span>tes </span></span>those indivi<span class=\"_ _0\"></span>dually signi<span class=\"_ _0\"></span>ficant<span class=\"_ _0\"></span> borrowe<span class=\"_ _0\"></span>rs which ar<span class=\"_ _0\"></span>e deemed mostl<span class=\"_ _0\"></span>y impacted by <span class=\"ls7 ws78\">m<span class=\"_ _0\"></span>arket and economic </span>pressures thr<span class=\"_ _0\"></span>ough in<span class=\"_ _0\"></span>dividual <span class=\"_ _0\"></span>peri<span class=\"_ _0\"></span>odic cre<span class=\"_ _0\"></span>dit assessm<span class=\"_ _0\"></span>ents on the<span class=\"_ _0\"></span> basis of re<span class=\"_ _0\"></span>centl<span class=\"_ _0\"></span>y obtain<span class=\"_ _0\"></span>ed manag<span class=\"_ _0\"></span>ement inf<span class=\"ls5 ws22\">ormat<span class=\"_ _1\"></span>ion, i<span class=\"_ _1\"></span>nclud<span class=\"_ _1\"></span>ing for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span>. As par<span class=\"_ _1\"></span>t of these c<span class=\"_ _1\"></span>redit a<span class=\"_ _1\"></span>ssess<span class=\"_ _1\"></span>ments,<span class=\"_ _1\"></span> judgemen<span class=\"_ _1\"></span>t is ex<span class=\"_ _1\"></span>ercis<span class=\"_ _1\"></span>ed in ev<span class=\"_ _1\"></span>aluat<span class=\"_ _1\"></span>ing </span>all relevant in<span class=\"_ _1\"></span>formation on<span class=\"_ _1\"></span> indicators of impairment, p<span class=\"_ _1\"></span>articularly where factors<span class=\"_ _1\"></span> indicate d<span class=\"_ _1\"></span>eterioration in t<span class=\"_ _1\"></span>he financial condition and outloo<span class=\"_ _0\"></span>k of borro<span class=\"ls6 ws7\">wers affecting their <span class=\"_ _1\"></span>ability to p<span class=\"_ _1\"></span>ay.<span class=\"_ _bc\"> </span></span>For indiv<span class=\"_ _1\"></span>idually s<span class=\"_ _1\"></span>ignificant credit i<span class=\"_ _1\"></span>mpaired loa<span class=\"_ _1\"></span>ns, managem<span class=\"_ _1\"></span>ent determin<span class=\"_ _1\"></span>es the size<span class=\"_ _1\"></span> of the allo<span class=\"_ _1\"></span>wance require<span class=\"_ _0\"></span>d based on a ra<span class=\"_ _0\"></span>nge of<span class=\"_ _0\"></span> factor<span class=\"_ _0\"></span>s such as the<span class=\"_ _0\"></span> real<span class=\"_ _0\"></span>isable val<span class=\"_ _0\"></span>ue of se<span class=\"_ _0\"></span>curity, t<span class=\"_ _0\"></span>he viabil<span class=\"_ _0\"></span>ity of<span class=\"_ _0\"></span> the custo<span class=\"_ _0\"></span>mers\u2019 business m<span class=\"_ _0\"></span>odel and<span class=\"_ _0\"></span> the c<span class=\"_ _0\"></span>apaci<span class=\"_ _0\"></span>ty to ge<span class=\"_ _0\"></span>nerate<span class=\"_ _0\"></span> c<span class=\"ls5 ws2f\">ash flows<span class=\"_ _1\"></span> to servi<span class=\"_ _1\"></span>ce debt o<span class=\"_ _1\"></span>bligat<span class=\"_ _1\"></span>ions, un<span class=\"_ _1\"></span>der di<span class=\"_ _1\"></span>fferent </span>scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> Jud<span class=\"_ _1\"></span>gement is<span class=\"_ _1\"></span> applied<span class=\"_ _1\"></span> in esti<span class=\"_ _1\"></span>mating<span class=\"_ _1\"></span> the expec<span class=\"_ _1\"></span>ted fu<span class=\"_ _1\"></span>ture ca<span class=\"_ _1\"></span>sh flo<span class=\"_ _1\"></span>ws from ea<span class=\"_ _1\"></span>ch bor<span class=\"_ _1\"></span>rower an<span class=\"_ _1\"></span>d the time to r<span class=\"_ _1\"></span>ecov<span class=\"_ _1\"></span>er thes<span class=\"_ _1\"></span>e cash<span class=\"_ _1\"></span> flows<span class=\"_ _1\"></span> under<span class=\"_ _1\"></span> the differ<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span> scen<span class=\"_ _1\"></span>arios<span class=\"_ _1\"></span> as well a<span class=\"_ _1\"></span>s to a<span class=\"_ _1\"></span>ttach<span class=\"_ _1\"></span> probab<span class=\"_ _1\"></span>ilities<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls9 ws15e\">to those </span></span>scena<span class=\"_ _1\"></span>rios.<span class=\"_ _1\"></span> The ass<span class=\"_ _1\"></span>umpt<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> around<span class=\"_ _1\"></span> forecas<span class=\"_ _1\"></span>ted reco<span class=\"_ _1\"></span>verie<span class=\"_ _1\"></span>s from th<span class=\"_ _1\"></span>e sale o<span class=\"_ _1\"></span>f collat<span class=\"_ _1\"></span>era<span class=\"_ _1\"></span>lised<span class=\"_ _1\"></span> prop<span class=\"_ _1\"></span>erties,<span class=\"_ _1\"></span> includin<span class=\"_ _1\"></span>g valuatio<span class=\"_ _1\"></span>n haircuts and time to recov<span class=\"_ _1\"></span>ery, are key drivers in<span class=\"_ _1\"></span> the estimation<span class=\"_ _1\"></span> of credit loss allowan<span class=\"_ _1\"></span>ces in respect of in<span class=\"_ _1\"></span>dividua<span class=\"_ _1\"></span>lly assessed<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls8 wsa\">loans. The<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt ec<span class=\"_ _0\"></span>onomic c<span class=\"_ _0\"></span>onditions w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> local prope<span class=\"_ _0\"></span>rty mark<span class=\"_ _0\"></span>et </span></span>increa<span class=\"_ _0\"></span>ses the leve<span class=\"_ _0\"></span>l of expert<span class=\"_ _0\"></span> judgement<span class=\"_ _0\"></span> required to<span class=\"_ _0\"></span> predict with r<span class=\"_ _0\"></span>easonable<span class=\"_ _0\"></span> accuracy the re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>ability of<span class=\"_ _0\"></span> exposures through the sale of<span class=\"_ _11\"></span> collateral.<span class=\"ls1\"> </span>In lin<span class=\"_ _1\"></span>e with t<span class=\"_ _1\"></span>he resu<span class=\"_ _1\"></span>lts of r<span class=\"_ _1\"></span>eviews d<span class=\"_ _1\"></span>escrib<span class=\"_ _1\"></span>ed abo<span class=\"_ _1\"></span>ve, th<span class=\"_ _1\"></span>e outco<span class=\"_ _1\"></span>me of th<span class=\"_ _1\"></span>e ind<span class=\"_ _1\"></span>ividu<span class=\"_ _1\"></span>al as<span class=\"_ _1\"></span>sessments<span class=\"_ _1\"></span> indic<span class=\"_ _1\"></span>ate tha<span class=\"_ _1\"></span>t the lev<span class=\"_ _1\"></span>el of bu<span class=\"_ _1\"></span>siness<span class=\"_ _1\"></span> experien<span class=\"_ _1\"></span>ced by<span class=\"_ _1\"></span> the borro<span class=\"_ _1\"></span>wers is robu<span class=\"_ _1\"></span>st and in<span class=\"_ _1\"></span>dica<span class=\"_ _1\"></span>tive of mo<span class=\"_ _1\"></span>re effective b<span class=\"_ _1\"></span>usi<span class=\"_ _1\"></span>ness models<span class=\"_ _1\"></span>. The cur<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span> economi<span class=\"_ _1\"></span>c d<span class=\"_ _1\"></span>evelop<span class=\"_ _1\"></span>ments a<span class=\"_ _1\"></span>r<span class=\"ls8 ws18\">e unlike<span class=\"_ _0\"></span>ly to have any si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant im<span class=\"_ _0\"></span>pact on a<span class=\"_ _0\"></span>ny of the B<span class=\"_ _0\"></span>ank\u2019s </span>individ<span class=\"_ _1\"></span>ually sign<span class=\"_ _1\"></span>ificant cust<span class=\"_ _1\"></span>omers, which would<span class=\"_ _1\"></span> then in tu<span class=\"_ _1\"></span>rn material<span class=\"_ _1\"></span>ly impact t<span class=\"_ _1\"></span>he overall <span class=\"_ _1\"></span>Bank\u2019s credi<span class=\"_ _1\"></span>t risk level<span class=\"_ _0\"></span>, other tha<span class=\"_ _0\"></span>n what is al<span class=\"_ _0\"></span>ready consi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d in the f<span class=\"_ _0\"></span>orward<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls7 ws84\">looking information inc<span class=\"ls8 ws53\">or<span class=\"_ _0\"></span>porated w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> ECL<span class=\"_ _0\"></span> </span></span></span>model.  <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>As highligh<span class=\"_ _1\"></span>ted previou<span class=\"_ _1\"></span>sly, du<span class=\"_ _1\"></span>ring 202<span class=\"ls1 ws1\">5 <span class=\"_ _13\"></span><span class=\"ls8 ws1b\">the Bank<span class=\"_ _0\"></span> continue<span class=\"_ _0\"></span>d to perform re<span class=\"_ _0\"></span>gular a<span class=\"_ _0\"></span>nd detailed revi<span class=\"_ _0\"></span>ews on its<span class=\"_ _0\"></span> </span></span>lending<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>rs on individual<span class=\"_ _0\"></span> and sector<span class=\"_ _0\"></span>ial bases.<span class=\"_ _0\"></span> The re<span class=\"_ _0\"></span>sults of suc<span class=\"_ _0\"></span>h revie<span class=\"_ _0\"></span>ws, also i<span class=\"_ _0\"></span>n the conte<span class=\"_ _0\"></span>xt of t<span class=\"_ _0\"></span>he economic perfor<span class=\"_ _1\"></span>mance during<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">5</span>, suggest<span class=\"_ _1\"></span> a <span class=\"ls8 ws16\">conti<span class=\"_ _0\"></span>nued<span class=\"_ _0\"></span> <span class=\"ws53\">i<span class=\"_ _0\"></span>mprovem<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>he busi<span class=\"_ _0\"></span>ness an<span class=\"_ _0\"></span>d prospe<span class=\"_ _0\"></span>cts of<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> </span></span>same b<span class=\"_ _1\"></span>orrowers<span class=\"_ _1\"></span> and<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ingly<span class=\"_ _1\"></span> the Ban<span class=\"_ _1\"></span>k determi<span class=\"_ _1\"></span>ned th<span class=\"_ _1\"></span>at th<span class=\"_ _1\"></span>e level of cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span> risk ema<span class=\"_ _1\"></span>nat<span class=\"_ _1\"></span>ing di<span class=\"_ _1\"></span>rectly fr<span class=\"_ _1\"></span>om econo<span class=\"_ _1\"></span>mic <span class=\"_ _13\"></span><span class=\"ls6 ws8\">u<span class=\"_ _1\"></span>ncertainties <span class=\"_ _14\"></span><span class=\"ls8 wsb\">has decreased conside<span class=\"_ _0\"></span>rably. <span class=\"ls6 ws49\">Particularly, i<span class=\"_ _1\"></span><span class=\"ls7 ws82\">n respect of corporate<span class=\"_ _0\"></span> and commercial </span></span></span></span>exposure<span class=\"_ _0\"></span>s, during 20<span class=\"_ _0\"></span>2<span class=\"ls1 ws1\">5<span class=\"lsb ws2c\">, <span class=\"_ _13\"></span></span></span>the Bank continued to <span class=\"lse ws15f\">c<span class=\"_ _0\"></span>arry o<span class=\"_ _0\"></span>ut assessme<span class=\"_ _0\"></span>nts on <span class=\"ls8 ws3a\">such bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs on an ongoi<span class=\"_ _0\"></span>ng </span></span>basis<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls8 wsa\">throug<span class=\"_ _0\"></span>h individ<span class=\"_ _0\"></span>ual ad<span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">hoc credit reviews</span>. </span></span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAssetsAndLiabilitiesWithSignificantRiskOfMaterialAdjustmentExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-19": {
   "value": "4.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls4 ws4\">Segm<span class=\"_ _1\"></span>ental i<span class=\"_ _1\"></span>nformati<span class=\"_ _1\"></span>on</span> </span>The G<span class=\"_ _0\"></span>roup has two r<span class=\"_ _0\"></span>eporti<span class=\"_ _0\"></span>ng se<span class=\"_ _0\"></span>gme<span class=\"_ _0\"></span>nts, as descri<span class=\"_ _0\"></span>bed belo<span class=\"_ _0\"></span>w, whi<span class=\"_ _0\"></span>ch are t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up\u2019s strate<span class=\"_ _0\"></span>gic busi<span class=\"_ _0\"></span>ness uni<span class=\"_ _0\"></span>ts and cash<span class=\"ls1 ws1\">-<span class=\"ls5 ws16\">generat<span class=\"_ _1\"></span>ing un<span class=\"_ _1\"></span>its.<span class=\"_ _1\"></span> The stra<span class=\"_ _1\"></span>tegic b<span class=\"_ _1\"></span>usin<span class=\"_ _1\"></span>ess u<span class=\"_ _1\"></span>nits offe<span class=\"_ _1\"></span>r differ<span class=\"_ _1\"></span>ent s<span class=\"_ _1\"></span>ervices<span class=\"_ _1\"></span> and a<span class=\"_ _1\"></span>re man<span class=\"_ _1\"></span>aged s<span class=\"_ _1\"></span>eparat<span class=\"_ _1\"></span>ely </span></span>because t<span class=\"_ _0\"></span>hey requi<span class=\"_ _0\"></span>re dif<span class=\"_ _0\"></span>fer<span class=\"_ _0\"></span>ent technol<span class=\"_ _0\"></span>ogy a<span class=\"ls6 ws2e\">nd marketing strategies. For each<span class=\"_ _1\"></span> of the strategic b<span class=\"_ _1\"></span>usiness un<span class=\"_ _1\"></span>its, </span>the Boa<span class=\"_ _1\"></span>rd of Di<span class=\"_ _1\"></span>rectors<span class=\"_ _1\"></span> revie<span class=\"_ _1\"></span>ws int<span class=\"_ _1\"></span>ernal ma<span class=\"_ _1\"></span>nagem<span class=\"_ _1\"></span>ent re<span class=\"_ _1\"></span>ports<span class=\"_ _1\"></span>. The fol<span class=\"_ _1\"></span>lowing s<span class=\"_ _1\"></span>umma<span class=\"_ _1\"></span>ry des<span class=\"_ _1\"></span>cribes<span class=\"_ _1\"></span> the opera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> in each<span class=\"_ _1\"></span> of the Gr<span class=\"_ _1\"></span>oup\u2019<span class=\"_ _1\"></span>s repo<span class=\"_ _1\"></span>rtabl<span class=\"_ _1\"></span>e segment<span class=\"_ _1\"></span>s: <span class=\"ls1 ws1\"> </span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws10\">Banking serv<span class=\"_ _1\"></span>ices comprise th<span class=\"_ _1\"></span>e Group\u2019s<span class=\"_ _1\"></span> bankin<span class=\"_ _1\"></span>g and other activ<span class=\"_ _1\"></span>ities carried out<span class=\"_ _1\"></span> as a licensed<span class=\"_ _1\"></span> credit </span>institution,<span class=\"_ _0\"></span> an author<span class=\"_ _0\"></span>ised c<span class=\"_ _0\"></span>urrenc<span class=\"_ _0\"></span>y deale<span class=\"_ _0\"></span>r and fina<span class=\"_ _0\"></span>ncial i<span class=\"_ _0\"></span>ntermedi<span class=\"_ _0\"></span>ary. Stoc<span class=\"_ _0\"></span>kbroking<span class=\"_ _0\"></span> activiti<span class=\"_ _0\"></span>es may al<span class=\"_ _0\"></span>so be carr<span class=\"_ _1\"></span>ied ou<span class=\"_ _1\"></span>t sinc<span class=\"_ _1\"></span>e the Ban<span class=\"_ _1\"></span>k is a<span class=\"_ _1\"></span> member of th<span class=\"_ _1\"></span>e Mal<span class=\"ls7 ws1\">ta Stoc<span class=\"_ _1\"></span>k Exchange; and<span class=\"ls1\"> </span></span>\u2022<span class=\"ff9\"> <span class=\"_ _89\"> </span></span><span class=\"ls6 ws1d\">Postal s<span class=\"_ _1\"></span>ervices comprise th<span class=\"_ _1\"></span>e Group\u2019s postal a<span class=\"_ _1\"></span>ctivities, being th<span class=\"_ _1\"></span>e sole licensed Univ<span class=\"_ _1\"></span>ersal Service Prov<span class=\"_ _1\"></span>ider </span>of posta<span class=\"_ _1\"></span>l services in Ma<span class=\"_ _1\"></span>lta.<span class=\"ls1 ws1\"> </span>The Group\u2019s i<span class=\"_ _0\"></span>nternal<span class=\"_ _0\"></span> reporti<span class=\"_ _0\"></span>ng to the<span class=\"_ _0\"></span> Board of<span class=\"_ _0\"></span> Director<span class=\"_ _0\"></span>s and senior e<span class=\"_ _0\"></span>xec<span class=\"_ _0\"></span>utives is anal<span class=\"_ _0\"></span>ysed acco<span class=\"_ _0\"></span>rding to the<span class=\"_ _0\"></span> below s<span class=\"_ _1\"></span>egment<span class=\"_ _1\"></span>s. In<span class=\"_ _1\"></span>formati<span class=\"_ _1\"></span>on a<span class=\"_ _1\"></span>bout<span class=\"_ _1\"></span> report<span class=\"_ _1\"></span>able s<span class=\"_ _1\"></span>egments<span class=\"_ _1\"></span>: <table class=\"s w235 h1eb\" id=\"_70ebfee8-85b7-489b-95c1-cb3563bd6931\"><tr><td></td><td class=\"c x3e9 y225e w142 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Banking<span class=\"_ _0\"></span> serv<span class=\"_ _0\"></span>ices<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ea y225e w143 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Postal serv<span class=\"_ _0\"></span>ices<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td class=\"c x3eb y225e wa3 h18\"><div class=\"t m0 x8f h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3e9 y225f wa7 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y225f wf9 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y225f w144 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ed y225f w114 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3eb y225f w145 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ee y225f w146 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3e9 y2260 wa7 h17\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2260 wf9 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2260 w144 h17\"><div class=\"t m0 xdb h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ed y2260 w12f h17\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2260 w147 h17\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ee y2260 w146 h17\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2261 w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Interes<span class=\"_ _1\"></span>t receiv<span class=\"_ _1\"></span>able<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2261 wa7 h18\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ls18 ws74\">,908</span></div></td><td class=\"c x3ec y2261 wf9 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">37,996<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2261 w144 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">126<span class=\"_ _bc\"> </span></div></td><td class=\"c x3ed y2261 w12f h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">147<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2261 w147 h18\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">40,034</div></td><td class=\"c x3ee y2261 w146 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">38,143<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2262 w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2262 wa7 h18\"><div class=\"t m0 x7e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(13,795)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2262 wf9 h18\"><div class=\"t m0 x7e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(10,826)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2262 w144 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(111)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2262 w12f h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(57)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2262 w147 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(13,906)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2262 w146 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(10,883)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2263 w7a h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Postal sales and other re<span class=\"_ _0\"></span>venue<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3e9 y2263 wa7 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">968<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2263 wf9 h1d\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">72<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2263 w144 h1d\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">41,681<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2263 w12f h1d\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">39,111<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2263 w147 h1d\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,649<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2263 w146 h1d\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">39,183<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2264 w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Net fee an<span class=\"_ _1\"></span>d com<span class=\"_ _1\"></span>missi<span class=\"_ _1\"></span>on in<span class=\"_ _1\"></span>come<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2264 wa7 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,391<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2264 wf9 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,340<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2264 w144 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">982<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2264 w12f h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,033<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2264 w147 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,373<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2264 w146 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,373<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2265 w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Other operat<span class=\"_ _1\"></span>ing income<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2265 wa7 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,034<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2265 wf9 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,246<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2265 w144 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">315<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2265 w12f h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">233<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2265 w147 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,349<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2265 w146 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,479<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2266 w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Segmen<span class=\"_ _1\"></span>t opera<span class=\"_ _1\"></span>ting in<span class=\"_ _1\"></span>come<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2266 wa7 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,506<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2266 wf9 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">33,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2266 w144 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,993<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2266 w12f h18\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">40,467<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2266 w147 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">76,499<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2266 w146 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">74,295<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2267 w7a h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Depreci<span class=\"_ _0\"></span>ation and amortisation<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3e9 y2267 wa7 h1d\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,127)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2267 wf9 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,132)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2267 w144 h1d\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls9 wsa\">(2<span class=\"ls18 ws74\">,4<span class=\"ls6 ws8\">61</span></span><span class=\"ls18 ws74\"><span class=\"ls6 ws8\">)<span class=\"ffa ls1 ws1\"> </span></span></span></div></td><td class=\"c x3ed y2267 w12f h1d\"><div class=\"t m0 x7e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,492)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2267 w147 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3,588)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2267 w146 h1d\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,624)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2268 w7a h31\"><div class=\"t m0 x10 h3 y3a3 ff1 fs1 fc0 sc0 ls5 ws6\">Net mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span> in expec<span class=\"_ _1\"></span>ted </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2268 w7a h31\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">credit loss<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2268 wa7 h31\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,017<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2268 wf9 h31\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,039<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2268 w144 h31\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(57)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x3f1 h3 y2269 ff1 fs1 fc0 sc0 ls6 ws8\">(112)<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x3ef y2268 w147 h31\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">960<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2268 w146 h31\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">927<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y226a w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Emplo<span class=\"_ _1\"></span>yee comp<span class=\"_ _1\"></span>ens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y226b w7a h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls8 wsa\">and benef<span class=\"_ _0\"></span>its<span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x3e9 y226b wa7 h17\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(9,572)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y226b wf9 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(9,513)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y226b w144 h17\"><div class=\"t m0 x7e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(18,727)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y226b w12f h17\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(17,016)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y226b w147 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(28,299)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y226b w146 h17\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(26,529)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y226c w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Other costs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y226c wa7 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(9,570)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y226c wf9 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(9,383)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y226c w144 h18\"><div class=\"t m0 x7e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(15,541)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y226c w12f h18\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(16,229)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y226c w147 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(25,111)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y226c w146 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(25,612)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y226d w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Operating p<span class=\"_ _1\"></span>rofit<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y226d wa7 h18\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">14,254</div></td><td class=\"c x3ec y226d wf9 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">14,839<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y226d w144 h18\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,207</div></td><td class=\"c x3ed y226d w12f h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,618<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y226d w147 h18\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">20,461</div></td><td class=\"c x3ee y226d w146 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,457<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x270 y2271 w236 h1ec\"><div class=\"t m0 x26e h3 y226e ff1 fs1 fc0 sc0 ls5 ws6\">Share o<span class=\"_ _1\"></span>f profit<span class=\"_ _1\"></span><span class=\"ls6 ws8\">/(loss)<span class=\"ls1 ws1\"> <span class=\"ls9 wsa\">attributa<span class=\"_ _1\"></span>ble<span class=\"_ _bc\"> </span></span></span></span></div><div class=\"t m0 x3f2 h3 y226f ff1 fs1 fc0 sc0 ls5 ws6\">to in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>t acco<span class=\"_ _1\"></span>unted<span class=\"_ _1\"></span> for<span class=\"_ _bc\"> </span></div><div class=\"t m0 x3f2 h3 y2270 ff1 fs1 fc0 sc0 ls8 wsa\">using the e<span class=\"_ _0\"></span>quity me<span class=\"_ _0\"></span>thod, net<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2272 w7a h151\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">of tax  <span class=\"ffb ls1\"> </span></div></td><td class=\"c x3e9 y2272 wa7 h151\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,112<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2272 wf9 h151\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(101)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2272 w144 h151\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">194<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x3f3 h3 y2273 ff1 fs1 fc0 sc0 ls6 ws8\">59<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x3ef y2272 w147 h151\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,306<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2272 w146 h151\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(42)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2274 w7a h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Profit bef<span class=\"_ _0\"></span>ore taxation<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3e9 y2274 wa7 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">17,366<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2274 wf9 h17\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">14,738<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2274 w144 h17\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,401<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2274 w12f h17\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,677<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2274 w147 h17\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23,767<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2274 w146 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,415<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2275 w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Income t<span class=\"_ _1\"></span>ax expen<span class=\"_ _1\"></span>se<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2275 wa7 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,907)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2275 wf9 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(5,548)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2275 w144 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(2,277)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2275 w12f h18\"><div class=\"t m0 x7e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,709)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2275 w147 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(7,184)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2275 w146 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,257)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2276 w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Profit<span class=\"_ _1\"></span> for the y<span class=\"_ _1\"></span>ear<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2276 wa7 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">12,459<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2276 wf9 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,190<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2276 w144 h18\"><div class=\"t m0 xdb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,124<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2276 w12f h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,968<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2276 w147 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16,583<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2276 w146 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,158<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2277 w7a h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Segmen<span class=\"_ _1\"></span>t tota<span class=\"_ _1\"></span>l ass<span class=\"_ _1\"></span>ets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y2277 wa7 h17\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,439,636<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y2277 wf9 h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,335,804<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y2277 w144 h17\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">57,985<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y2277 w12f h17\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">52,618<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ef y2277 w147 h17\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,497,621<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y2277 w146 h17\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,388,422<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x270 y2278 w237 h1ed\"><div class=\"t m0 x26e h3 y226f ff1 fs1 fc0 sc0 ls8 wsa\">Capital e<span class=\"_ _0\"></span>xpendi<span class=\"_ _0\"></span>ture duri<span class=\"_ _0\"></span>ng the<span class=\"_ _bc\"> </span></div><div class=\"t m0 x3f4 h3 y2270 ff1 fs1 fc0 sc0 ls5 ws7\">year<span class=\"_ _bc\"> </span></div></td><td class=\"c x3e9 y2279 wa7 h31\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"ls6 ws8\">10<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x3ec y2279 wf9 h31\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">416</div></td><td class=\"c x3ea y2279 w144 h31\"><div class=\"t m0 xdb h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,166</div></td><td class=\"c x3ed y2279 w114 h31\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,104<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3eb y2279 w145 h31\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,47<span class=\"ls1 ws1\">6<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x3ee y2279 w146 h31\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,520<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y227a w7a h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Segment tota<span class=\"_ _1\"></span>l liabilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3e9 y227a wa7 h18\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,241,221<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ec y227a wf9 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,150,144<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ea y227a w144 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22<span class=\"ls1 ws1\">,</span>540<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ed y227a w114 h18\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,357<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3eb y227a w145 h18\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,263,761<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ee y227a w146 h18\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,169,501<span class=\"ls1 ws1\"> </span></div></td></tr></table>There wer<span class=\"_ _1\"></span>e no<span class=\"_ _1\"></span> material<span class=\"_ _1\"></span> inter<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-</span>segmen<span class=\"_ _1\"></span>t tran<span class=\"_ _1\"></span>sact<span class=\"_ _1\"></span>ions.<span class=\"_ _1\"></span> <span class=\"ls1 ws1\"> </span>The Group mainly<span class=\"_ _1\"></span> provides bankin<span class=\"_ _1\"></span>g and postal services with<span class=\"_ _1\"></span>in the local mark<span class=\"_ _1\"></span>et and economic sectors. Fro<span class=\"_ _1\"></span>m a customers<span class=\"_ _1\"></span>\u2019 perspectiv<span class=\"_ _1\"></span>e, durin<span class=\"_ _1\"></span>g 202<span class=\"ls1 ws1\">5  <span class=\"lsa ws160\">MaltaPost p.l.c. generated</span>  <span class=\"ls89 ws7c\">50<span class=\"_ _0\"></span>.2%<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"lsd ws44\">(2<span class=\"_ _1\"></span>02</span>4<span class=\"ls7a ws161\">: 5</span>0.7<span class=\"ls5 ws81\">%) of i<span class=\"_ _1\"></span>ts rev<span class=\"_ _1\"></span>enue </span></span></span></span>internatio<span class=\"_ _1\"></span>nally.<span class=\"ls1 ws1\"> </span>The G<span class=\"_ _0\"></span>roup\u2019s rel<span class=\"_ _0\"></span>iance<span class=\"_ _0\"></span> on any single<span class=\"_ _0\"></span> custome<span class=\"_ _0\"></span>r is not co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d signifi<span class=\"_ _0\"></span>cant fo<span class=\"_ _0\"></span>r disclosure<span class=\"_ _0\"></span> purposes.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-457": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws114 gs74b\">5.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Bal<span class=\"_ _1\"></span>ances<span class=\"_ _1\"></span> with C<span class=\"_ _1\"></span>entral Bank<span class=\"_ _1\"></span> of Malt<span class=\"_ _1\"></span>a, treasur<span class=\"_ _1\"></span>y bills<span class=\"_ _1\"></span> and cash</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws8e gs74e\">Balances with the<span class=\"_ _0\"></span> Central Bank of Malta include a r<span class=\"_ _0\"></span>eserve deposit amounting to <span class=\"ls6 ws8\">\u20ac7,210,000<span class=\"ls1 ws1\">  </span>(202<span class=\"ls1 ws1\">4<span class=\"_ _1\"></span><span class=\"lsd ws44\">: </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs74f\">\u20ac<span class=\"ls6 ws8\">7,237,000<span class=\"ws61\">) held<span class=\"_ _1\"></span> in terms o<span class=\"_ _1\"></span>f Regulation<span class=\"_ _1\"></span> (EC) No.1745/2<span class=\"_ _1\"></span>003 of th<span class=\"_ _1\"></span>e European Cen<span class=\"_ _1\"></span>tral Ban<span class=\"_ _1\"></span>k. The average </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws13f gs750\">reserv<span class=\"_ _1\"></span>e depos<span class=\"_ _1\"></span>it ba<span class=\"_ _1\"></span>lance h<span class=\"_ _1\"></span>eld fo<span class=\"_ _1\"></span>r the rel<span class=\"_ _1\"></span>evan<span class=\"_ _1\"></span>t main<span class=\"_ _1\"></span>tena<span class=\"_ _1\"></span>nce peri<span class=\"_ _1\"></span>od amo<span class=\"_ _1\"></span>unted<span class=\"_ _1\"></span> to</div><div class=\"t m0 h1 ff1 fs0 fc0 sc0 ls1 ws1 gs751\"> <span class=\"_ _87\"> </span><span class=\"fs1 ls6 ws8\">\u20ac7,949,00<span class=\"_ _1\"></span>0 <span class=\"_ _85\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span></span><span class=\"fs1\">4<span class=\"lsd ws44\">: </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs752\">\u20ac<span class=\"ls6 ws8\">7,871,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span></span></span> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-502": {
   "value": "5.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Bal<span class=\"_ _1\"></span>ances<span class=\"_ _1\"></span> with C<span class=\"_ _1\"></span>entral Bank<span class=\"_ _1\"></span> of Malt<span class=\"_ _1\"></span>a, treasur<span class=\"_ _1\"></span>y bills<span class=\"_ _1\"></span> and cash</span> </span>Balances with the<span class=\"_ _0\"></span> Central Bank of Malta include a r<span class=\"_ _0\"></span>eserve deposit amounting to <span class=\"ls6 ws8\">\u20ac7,210,000<span class=\"ls1 ws1\">  </span>(202<span class=\"ls1 ws1\">4<span class=\"_ _1\"></span><span class=\"lsd ws44\">: </span></span></span>\u20ac<span class=\"ls6 ws8\">7,237,000<span class=\"ws61\">) held<span class=\"_ _1\"></span> in terms o<span class=\"_ _1\"></span>f Regulation<span class=\"_ _1\"></span> (EC) No.1745/2<span class=\"_ _1\"></span>003 of th<span class=\"_ _1\"></span>e European Cen<span class=\"_ _1\"></span>tral Ban<span class=\"_ _1\"></span>k. The average </span></span>reserv<span class=\"_ _1\"></span>e depos<span class=\"_ _1\"></span>it ba<span class=\"_ _1\"></span>lance h<span class=\"_ _1\"></span>eld fo<span class=\"_ _1\"></span>r the rel<span class=\"_ _1\"></span>evan<span class=\"_ _1\"></span>t main<span class=\"_ _1\"></span>tena<span class=\"_ _1\"></span>nce peri<span class=\"_ _1\"></span>od amo<span class=\"_ _1\"></span>unted<span class=\"_ _1\"></span> to <span class=\"_ _87\"> </span><span class=\"fs1 ls6 ws8\">\u20ac7,949,00<span class=\"_ _1\"></span>0 <span class=\"_ _85\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span></span><span class=\"fs1\">4<span class=\"lsd ws44\">: </span></span>\u20ac<span class=\"ls6 ws8\">7,871,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span></span></span> At 31 December 202<span class=\"ls1 ws1\">5<span class=\"ls8 ws67\">, the Bank had pledg<span class=\"_ _0\"></span>ed a deposi<span class=\"_ _0\"></span>t w<span class=\"_ _0\"></span>ith the C<span class=\"_ _0\"></span>entral<span class=\"_ _0\"></span> Bank of M<span class=\"_ _0\"></span>alta amounting<span class=\"_ _0\"></span> to </span></span>\u20ac<span class=\"ls6 ws8\">1,582,000</span> <span class=\"_ _15\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span>4<span class=\"lsd ws161\">: \u20ac<span class=\"ls6 ws8\">1,31</span></span>3<span class=\"ls89 ws7c\">,000<span class=\"ls6 ws55\">) in favour of the<span class=\"_ _1\"></span> Deposito<span class=\"_ _1\"></span>r Compensa<span class=\"_ _1\"></span>tion Sche<span class=\"_ _1\"></span>me to comp<span class=\"_ _1\"></span>ly with local </span></span>regula<span class=\"_ _0\"></span>tory requi<span class=\"_ _0\"></span>rement<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span>19.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws0\">Reserves</span><span class=\"fs2\"> </span></span>19.2<span class=\"ls1 ws1\"> <span class=\"_ _2a\"> </span><span class=\"ls5 ws6\">Reval<span class=\"_ _1\"></span>uatio<span class=\"_ _1\"></span>n and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> reserves</span> </span>The <span class=\"ls5 ws6\">ot<span class=\"_ _1\"></span>her res<span class=\"_ _1\"></span>erve ma<span class=\"_ _1\"></span>inly rep<span class=\"_ _1\"></span>res<span class=\"_ _1\"></span>ents a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>ts set<span class=\"_ _1\"></span> asid<span class=\"_ _1\"></span>e by the Bank<span class=\"_ _1\"></span> from its<span class=\"_ _1\"></span> retain<span class=\"_ _1\"></span>ed ea<span class=\"_ _1\"></span>rnin<span class=\"_ _1\"></span>gs in<span class=\"_ _1\"></span> relatio<span class=\"_ _1\"></span>n </span>to th<span class=\"_ _1\"></span>e Depos<span class=\"_ _1\"></span>itor Co<span class=\"_ _1\"></span>mpensa<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> Scheme (t<span class=\"_ _1\"></span>he \u2018Sch<span class=\"_ _1\"></span>eme\u2019),<span class=\"_ _1\"></span> refl<span class=\"_ _1\"></span>ecting t<span class=\"_ _1\"></span>he carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f as<span class=\"_ _1\"></span>sets wh<span class=\"_ _1\"></span>ich as at end of t<span class=\"_ _0\"></span>he fina<span class=\"_ _0\"></span>ncial <span class=\"_ _0\"></span>year ar<span class=\"_ _0\"></span>e ple<span class=\"_ _0\"></span>dged in f<span class=\"_ _0\"></span>avour of <span class=\"_ _0\"></span>the<span class=\"_ _0\"></span> Sche<span class=\"_ _0\"></span>me to com<span class=\"_ _0\"></span>ply wi<span class=\"_ _0\"></span>th local r<span class=\"_ _0\"></span>egula<span class=\"_ _0\"></span>tory requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-20": {
   "value": "5.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Bal<span class=\"_ _1\"></span>ances<span class=\"_ _1\"></span> with C<span class=\"_ _1\"></span>entral Bank<span class=\"_ _1\"></span> of Malt<span class=\"_ _1\"></span>a, treasur<span class=\"_ _1\"></span>y bills<span class=\"_ _1\"></span> and cash</span> </span><table class=\"s w239 h1f0\" id=\"_6ef2464f-06e7-437c-9635-371fe5247071\"><tr><td></td><td></td><td class=\"c x3f5 y2291 wc8 h1d\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3f6 y2291 wc8 h1d\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2292 wd5 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2292 w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2292 wd5 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2292 w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2293 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2293 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2293 wd5 h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2293 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2294 w14c h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Balances with C<span class=\"_ _0\"></span>entral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y2294 wd5 h18\"><div class=\"t m0 xf3 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">132,171</div></td><td class=\"c x3f7 y2294 w54 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">146,872<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2294 wd5 h18\"><div class=\"t m0 xf3 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">132,170</div></td><td class=\"c x3f8 y2294 w54 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">146,872<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x270 y2296 w23a h1f1\"><div class=\"t m0 x26e h3 y2295 ff1 fs1 fc0 sc0 ls5 ws6\">Malta<span class=\"_ _1\"></span> Govern<span class=\"_ _1\"></span>ment trea<span class=\"_ _1\"></span>sury<span class=\"_ _1\"></span> bills<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls9 wsa\">at<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 x3f9 h3 y2270 ff1 fs1 fc0 sc0 ls7 ws1\">amortised cost<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f5 y2297 wd5 h156\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,751<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2297 w54 h156\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3f6 y2297 wd5 h156\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,751<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2297 w54 h156\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3f0 y2298 w14c h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Cash in hand<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2298 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,642<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2298 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,608<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2298 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,937<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2298 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,489<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2299 wd5 h18\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">182,5<span class=\"ls1 ws1\">64</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f7 y2299 w54 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">154,480<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2299 wd5 h18\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">181,<span class=\"ls1 ws1\">8</span>58<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2299 w54 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">153,361<span class=\"ls1 ws1\"> </span></div></td></tr></table>Balances with the<span class=\"_ _0\"></span> Central Bank of Malta include a r<span class=\"_ _0\"></span>eserve deposit amounting to <span class=\"ls6 ws8\">\u20ac7,210,000<span class=\"ls1 ws1\">  </span>(202<span class=\"ls1 ws1\">4<span class=\"_ _1\"></span><span class=\"lsd ws44\">: </span></span></span>\u20ac<span class=\"ls6 ws8\">7,237,000<span class=\"ws61\">) held<span class=\"_ _1\"></span> in terms o<span class=\"_ _1\"></span>f Regulation<span class=\"_ _1\"></span> (EC) No.1745/2<span class=\"_ _1\"></span>003 of th<span class=\"_ _1\"></span>e European Cen<span class=\"_ _1\"></span>tral Ban<span class=\"_ _1\"></span>k. The average </span></span>reserv<span class=\"_ _1\"></span>e depos<span class=\"_ _1\"></span>it ba<span class=\"_ _1\"></span>lance h<span class=\"_ _1\"></span>eld fo<span class=\"_ _1\"></span>r the rel<span class=\"_ _1\"></span>evan<span class=\"_ _1\"></span>t main<span class=\"_ _1\"></span>tena<span class=\"_ _1\"></span>nce peri<span class=\"_ _1\"></span>od amo<span class=\"_ _1\"></span>unted<span class=\"_ _1\"></span> to <span class=\"_ _87\"> </span><span class=\"fs1 ls6 ws8\">\u20ac7,949,00<span class=\"_ _1\"></span>0 <span class=\"_ _85\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span></span><span class=\"fs1\">4<span class=\"lsd ws44\">: </span></span>\u20ac<span class=\"ls6 ws8\">7,871,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span></span></span> At 31 December 202<span class=\"ls1 ws1\">5<span class=\"ls8 ws67\">, the Bank had pledg<span class=\"_ _0\"></span>ed a deposi<span class=\"_ _0\"></span>t w<span class=\"_ _0\"></span>ith the C<span class=\"_ _0\"></span>entral<span class=\"_ _0\"></span> Bank of M<span class=\"_ _0\"></span>alta amounting<span class=\"_ _0\"></span> to </span></span>\u20ac<span class=\"ls6 ws8\">1,582,000</span> <span class=\"_ _15\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span>4<span class=\"lsd ws161\">: \u20ac<span class=\"ls6 ws8\">1,31</span></span>3<span class=\"ls89 ws7c\">,000<span class=\"ls6 ws55\">) in favour of the<span class=\"_ _1\"></span> Deposito<span class=\"_ _1\"></span>r Compensa<span class=\"_ _1\"></span>tion Sche<span class=\"_ _1\"></span>me to comp<span class=\"_ _1\"></span>ly with local </span></span>regula<span class=\"_ _0\"></span>tory requi<span class=\"_ _0\"></span>rement<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span><span class=\"ls1 ws1\"> </span>As at 31 December 202<span class=\"_ _1\"></span><span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span></span>a<span class=\"_ _1\"></span>nd 202<span class=\"ls1 ws1\">4<span class=\"ls7 ws14\">, the credit loss allowance on balance<span class=\"_ _0\"></span>s with Central<span class=\"_ _0\"></span> Bank of Malta an<span class=\"_ _0\"></span>d </span></span>Malta Govern<span class=\"_ _1\"></span>ment treasury b<span class=\"_ _1\"></span>ills was ins<span class=\"_ _1\"></span>ignificant.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-513": {
   "value": "5.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Bal<span class=\"_ _1\"></span>ances<span class=\"_ _1\"></span> with C<span class=\"_ _1\"></span>entral Bank<span class=\"_ _1\"></span> of Malt<span class=\"_ _1\"></span>a, treasur<span class=\"_ _1\"></span>y bills<span class=\"_ _1\"></span> and cash</span> </span><div class=\"gsb6\"><table class=\"s w239 h1f0\" id=\"_6ef2464f-06e7-437c-9635-371fe5247071\"><tr><td></td><td></td><td class=\"c x3f5 y2291 wc8 h1d\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3f6 y2291 wc8 h1d\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2292 wd5 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2292 w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2292 wd5 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2292 w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2293 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2293 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2293 wd5 h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2293 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2294 w14c h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Balances with C<span class=\"_ _0\"></span>entral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y2294 wd5 h18\"><div class=\"t m0 xf3 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">132,171</div></td><td class=\"c x3f7 y2294 w54 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">146,872<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2294 wd5 h18\"><div class=\"t m0 xf3 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">132,170</div></td><td class=\"c x3f8 y2294 w54 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">146,872<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x270 y2296 w23a h1f1\"><div class=\"t m0 x26e h3 y2295 ff1 fs1 fc0 sc0 ls5 ws6\">Malta<span class=\"_ _1\"></span> Govern<span class=\"_ _1\"></span>ment trea<span class=\"_ _1\"></span>sury<span class=\"_ _1\"></span> bills<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls9 wsa\">at<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 x3f9 h3 y2270 ff1 fs1 fc0 sc0 ls7 ws1\">amortised cost<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f5 y2297 wd5 h156\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,751<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2297 w54 h156\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3f6 y2297 wd5 h156\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,751<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2297 w54 h156\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3f0 y2298 w14c h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Cash in hand<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2298 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,642<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2298 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,608<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2298 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,937<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2298 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,489<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2299 wd5 h18\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">182,5<span class=\"ls1 ws1\">64</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f7 y2299 w54 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">154,480<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2299 wd5 h18\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">181,<span class=\"ls1 ws1\">8</span>58<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2299 w54 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">153,361<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>Balances with the<span class=\"_ _0\"></span> Central Bank of Malta include a r<span class=\"_ _0\"></span>eserve deposit amounting to <span class=\"ls6 ws8\">\u20ac7,210,000<span class=\"ls1 ws1\">  </span>(202<span class=\"ls1 ws1\">4<span class=\"_ _1\"></span><span class=\"lsd ws44\">: </span></span></span>\u20ac<span class=\"ls6 ws8\">7,237,000<span class=\"ws61\">) held<span class=\"_ _1\"></span> in terms o<span class=\"_ _1\"></span>f Regulation<span class=\"_ _1\"></span> (EC) No.1745/2<span class=\"_ _1\"></span>003 of th<span class=\"_ _1\"></span>e European Cen<span class=\"_ _1\"></span>tral Ban<span class=\"_ _1\"></span>k. The average </span></span>reserv<span class=\"_ _1\"></span>e depos<span class=\"_ _1\"></span>it ba<span class=\"_ _1\"></span>lance h<span class=\"_ _1\"></span>eld fo<span class=\"_ _1\"></span>r the rel<span class=\"_ _1\"></span>evan<span class=\"_ _1\"></span>t main<span class=\"_ _1\"></span>tena<span class=\"_ _1\"></span>nce peri<span class=\"_ _1\"></span>od amo<span class=\"_ _1\"></span>unted<span class=\"_ _1\"></span> to <span class=\"_ _87\"> </span><span class=\"fs1 ls6 ws8\">\u20ac7,949,00<span class=\"_ _1\"></span>0 <span class=\"_ _85\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span></span><span class=\"fs1\">4<span class=\"lsd ws44\">: </span></span>\u20ac<span class=\"ls6 ws8\">7,871,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span></span></span> At 31 December 202<span class=\"ls1 ws1\">5<span class=\"ls8 ws67\">, the Bank had pledg<span class=\"_ _0\"></span>ed a deposi<span class=\"_ _0\"></span>t w<span class=\"_ _0\"></span>ith the C<span class=\"_ _0\"></span>entral<span class=\"_ _0\"></span> Bank of M<span class=\"_ _0\"></span>alta amounting<span class=\"_ _0\"></span> to </span></span>\u20ac<span class=\"ls6 ws8\">1,582,000</span> <span class=\"_ _15\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span>4<span class=\"lsd ws161\">: \u20ac<span class=\"ls6 ws8\">1,31</span></span>3<span class=\"ls89 ws7c\">,000<span class=\"ls6 ws55\">) in favour of the<span class=\"_ _1\"></span> Deposito<span class=\"_ _1\"></span>r Compensa<span class=\"_ _1\"></span>tion Sche<span class=\"_ _1\"></span>me to comp<span class=\"_ _1\"></span>ly with local </span></span>regula<span class=\"_ _0\"></span>tory requi<span class=\"_ _0\"></span>rement<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span><span class=\"ls1 ws1\"> </span>As at 31 December 202<span class=\"_ _1\"></span><span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span></span>a<span class=\"_ _1\"></span>nd 202<span class=\"ls1 ws1\">4<span class=\"ls7 ws14\">, the credit loss allowance on balance<span class=\"_ _0\"></span>s with Central<span class=\"_ _0\"></span> Bank of Malta an<span class=\"_ _0\"></span>d </span></span>Malta Govern<span class=\"_ _1\"></span>ment treasury b<span class=\"_ _1\"></span>ills was ins<span class=\"_ _1\"></span>ignificant.<span class=\"ls1 ws1\"> </span>6.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Financial inv<span class=\"_ _0\"></span>estments<span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span>Financial in<span class=\"_ _1\"></span>vestments i<span class=\"_ _1\"></span>nclude the followin<span class=\"_ _1\"></span>g<span class=\"ls1 ws1\">:</span><span class=\"ls1 ws1\"> </span><table class=\"s w238 h1ee\" id=\"_ec131e1d-2f4a-476c-8ef5-94c8d10fe609\"><tr><td></td><td></td><td class=\"c x3f5 y227b wc8 h76\"><div class=\"t m0 x110 h9 y827 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c x3f6 y227b wc8 h76\"><div class=\"t m0 xf7 h9 y827 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y227c w54 h77\"><div class=\"t m0 x35 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y227c wd5 h77\"><div class=\"t m0 xe5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227c w54 h77\"><div class=\"t m0 x35 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y227c wd5 h77\"><div class=\"t m0 xd7 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y227d w54 h76\"><div class=\"t m0 x1d h9 y827 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f7 y227d wd5 h76\"><div class=\"t m0 x22 h3 y827 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227d w54 h76\"><div class=\"t m0 x1d h9 y827 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f8 y227d wd5 h76\"><div class=\"t m0 xe5 h3 y827 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y227e we3 h77\"><div class=\"t m0 x10 h15 y829 ff3 fs1 fc0 sc0 ls20 ws4e\">Measured a<span class=\"_ _0\"></span>t FVO<span class=\"_ _0\"></span>CI<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y227f we3 h78\"><div class=\"t m0 x11 h3 y827 ff1 fs1 fc0 sc0 ls8 wsa\">Debt and othe<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>xed inc<span class=\"_ _0\"></span>ome instrum<span class=\"_ _0\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y227f w54 h78\"><div class=\"t m0 x11 h9 y827 ff3 fs1 fc0 sc0 ls6 ws8\">170,965<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f7 y227f wd5 h78\"><div class=\"t m0 xf3 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227f w54 h78\"><div class=\"t m0 xdf h9 y827 ff3 fs1 fc0 sc0 ls6 ws8\">168,955<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f8 y227f wd5 h78\"><div class=\"t m0 xdb h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">176,696<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2280 we3 h77\"><div class=\"t m0 x11 h3 y829 ff1 fs1 fc0 sc0 ls8 wsa\">Equity instr<span class=\"_ _0\"></span>uments<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2280 w54 h77\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2280 wd5 h77\"><div class=\"t m0 x22 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2280 w54 h77\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2280 wd5 h77\"><div class=\"t m0 xe5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2281 we3 h76\"><div class=\"t m0 x10 h9 y827 ff3 fs1 fc0 sc0 ls20 ws4e\">Measured a<span class=\"_ _0\"></span>t amo<span class=\"_ _0\"></span>rtise<span class=\"_ _0\"></span>d cost<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2282 we3 h77\"><div class=\"t m0 x11 h3 y829 ff1 fs1 fc0 sc0 ls8 wsa\">Debt and othe<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>xed inc<span class=\"_ _0\"></span>ome instrum<span class=\"_ _0\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2282 w54 h77\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2282 wd5 h77\"><div class=\"t m0 xd4 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2282 w54 h77\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2282 wd5 h77\"><div class=\"t m0 x113 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2283 w54 h78\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">213,1<span class=\"ls1 ws1\">36</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f7 y2283 wd5 h78\"><div class=\"t m0 xf3 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">208,110<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2283 w54 h78\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">211,126<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2283 wd5 h78\"><div class=\"t m0 xdb h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">205,978<span class=\"ls1 ws1\"> </span></div></td></tr></table>Debt a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her fixed<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> FVOCI are a<span class=\"_ _1\"></span>naly<span class=\"_ _1\"></span>sed as<span class=\"_ _1\"></span> follows<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span><table class=\"s w238 h1ef\" id=\"_6275a389-b31c-4133-9cd8-016b073a9d32\"><tr><td></td><td></td><td class=\"c x3f5 y2284 wc8 h17\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">                     <span class=\"_ _0\"></span><span class=\"ls20 ws7e\">Group<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></span></div></td><td></td><td class=\"c x3f6 y2284 wc8 h17\"><div class=\"t m0 x10 h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">                      <span class=\"_ _0\"></span>  <span class=\"ls20 ws7e\">Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x3f5 y2285 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2285 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2285 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2285 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2286 w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2286 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2286 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2286 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2287 we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic bodie<span class=\"_ _0\"></span>s:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2288 we3 h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls6 ws7\">local governm<span class=\"_ _1\"></span>ent</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y2288 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">139,855<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2288 wd5 h17\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">141,008<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2288 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">138,778<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2288 wd5 h17\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">139,805<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2289 we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls5 ws6\">forei<span class=\"_ _1\"></span>gn gov<span class=\"_ _1\"></span>ernments</span><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y2289 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,561<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2289 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,224<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2289 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,561<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2289 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,224<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228a we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7 ws4e\">supranational</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228a w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228a wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,010<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228a w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,010<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228b we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic is<span class=\"_ _0\"></span>suers:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y228c we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228c w54 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">11,814<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228c wd5 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,197<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228c w54 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">11,270<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228c wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">11,660<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228d we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local corporate<span class=\"_ _0\"></span>s</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y228d w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,601<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228d wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,836<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228d w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,212<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228d wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,444<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228e we3 h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">foreign banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228e w54 h1d\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,742<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228e wd5 h1d\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,243<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228e w54 h1d\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,742<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228e wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,243<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228f we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">foreign corporate<span class=\"_ _0\"></span>s</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y228f w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,286<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228f wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,310<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228f w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,286<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228f wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,310<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2290 w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">170,965<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2290 wd5 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2290 w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">168,955<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2290 wd5 h18\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">176,696<span class=\"ls1 ws1\"> </span></div></td></tr></table><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws3d gs75b\">As at 31 Decembe<span class=\"_ _1\"></span>r 202<span class=\"ls1 ws1\">5<span class=\"ls8 ws86\">, credit loss allow<span class=\"_ _0\"></span>ances i<span class=\"_ _0\"></span>n respec<span class=\"_ _0\"></span>t of de<span class=\"_ _0\"></span>bt instrume<span class=\"_ _0\"></span>nts measured at F<span class=\"_ _0\"></span>VOCI </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs75c\">compu<span class=\"_ _1\"></span>ted in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance with<span class=\"_ _1\"></span> th<span class=\"_ _1\"></span>e IFRS 9 exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> credi<span class=\"_ _1\"></span>t loss<span class=\"_ _1\"></span> model,<span class=\"_ _1\"></span> were <span class=\"ls6 ws8\">\u20ac219,0<span class=\"_ _1\"></span>00<span class=\"ls1 ws1\"> <span class=\"lsd ws44\">(202<span class=\"_ _1\"></span></span>4<span class=\"lsd ws74\">: \u20ac</span></span>224,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs75d\">Debt a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her fixed<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> amortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t are a<span class=\"_ _1\"></span>nalys<span class=\"_ _1\"></span>ed as fol<span class=\"_ _1\"></span>lows:<span class=\"ls1 ws1\"> </span></div><div class=\"c wc8 h18 gs75f\"><div class=\"t m0 xea h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></div><div class=\"c wc8 h18 gs760\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></div><div class=\"gs761\"><table class=\"s w23b h1f2\" id=\"_53cba5d5-ba95-46d8-b4d6-1689fae9c67d\"><tr><td></td><td class=\"c x3f5 y229a w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229a w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229a wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y229b w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229b wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229b w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229b wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y229c wdd h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic bodie<span class=\"_ _0\"></span>s:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y229d wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls6 ws7\">local governm<span class=\"_ _1\"></span>ent</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y229d w54 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22,012<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229d wd5 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,016<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229d w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22,012<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229d wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,016<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y229e wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls5 ws6\">forei<span class=\"_ _1\"></span>gn gov<span class=\"_ _1\"></span>ernments</span><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y229e w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,588<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229e wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,860<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229e w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,588<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229e wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,860<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y229f wdd h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7 ws4e\">supranational</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y229f w54 h17\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,994<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229f wd5 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,695<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229f w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,994<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229f wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,695<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y22a0 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic is<span class=\"_ _0\"></span>suers:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y22a1 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y22a1 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">224<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y22a1 wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">224<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a1 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">224<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a1 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">224<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y22a2 wdd h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local corporate<span class=\"_ _0\"></span>s</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y22a2 w54 h1d\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,610<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y22a2 wd5 h1d\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,412<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a2 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,610<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a2 wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,412<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y22a3 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">foreign banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y22a3 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"ls6 ws8\">,475</span><span class=\"ffa\"> </span></div></td><td class=\"c x3fa y22a3 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,925<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a3 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,475<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a3 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,925<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y22a4 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Expected credit<span class=\"_ _1\"></span> loss allo<span class=\"_ _1\"></span>wances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y22a4 w54 h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(13)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y22a4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(25)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a4 w54 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(13)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a4 wd5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(25)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y22a5 w54 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y22a5 wd5 h1d\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a5 w54 h1d\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a5 wd5 h1d\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs763\">At 31 <span class=\"_ _1\"></span>Decemb<span class=\"_ _1\"></span>er 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5<span class=\"ls8 ws53\">, the Bank held Mal<span class=\"_ _0\"></span>ta Governm<span class=\"_ _0\"></span>ent Stocks me<span class=\"_ _0\"></span>asured at FVO<span class=\"_ _0\"></span>CI with a carryi<span class=\"_ _0\"></span>ng amount<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs764\">of <span class=\"ls6 ws8\">\u20ac7,620,000<span class=\"ls1 ws1\"> </span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws143\">: \u20ac</span></span>7,956,<span class=\"_ _1\"></span>000</span><span class=\"ws45\">) pled<span class=\"_ _1\"></span>ged wi<span class=\"_ _1\"></span>th th<span class=\"_ _1\"></span>e Centr<span class=\"_ _1\"></span>al Ba<span class=\"_ _1\"></span>nk of M<span class=\"_ _1\"></span>alta,<span class=\"_ _1\"></span> in terms<span class=\"_ _1\"></span> of Dir<span class=\"_ _1\"></span>ectiv<span class=\"_ _1\"></span>e No. 8<span class=\"ls1 ws1\"> </span>of the<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws54 gs765\">Central Bank of<span class=\"_ _0\"></span> Malta Act<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws34\">(Ca<span class=\"_ _1\"></span>p. 204</span>) <span class=\"_ _14\"></span><span class=\"ls8 ws33\">as security f<span class=\"_ _0\"></span>or a facility t<span class=\"_ _0\"></span>hat was not uti<span class=\"_ _0\"></span>lised dur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he repor<span class=\"_ _0\"></span>ting </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lsa ws24 gs766\">periods. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs767\">The de<span class=\"_ _0\"></span>bt securi<span class=\"_ _0\"></span>ties he<span class=\"_ _0\"></span>ld by the G<span class=\"_ _0\"></span>roup are<span class=\"_ _0\"></span> listed o<span class=\"_ _0\"></span>n the Malt<span class=\"_ _0\"></span>a Stock Ex<span class=\"_ _0\"></span>change o<span class=\"_ _0\"></span>r<span class=\"ls1 ws1\"> </span>on other r<span class=\"_ _0\"></span>ecogni<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs768\">exchan<span class=\"_ _1\"></span>ges. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs769\">The movem<span class=\"_ _1\"></span>ent in<span class=\"_ _1\"></span> debt<span class=\"_ _1\"></span> and other fixed<span class=\"_ _1\"></span> income fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> FVOCI is<span class=\"_ _1\"></span> summaris<span class=\"_ _1\"></span>ed as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs76a\">follows<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w23c h1f3\" id=\"_777dac11-1855-49ca-8316-1f2b9212c24f\"><tr><td></td><td></td><td class=\"c x3fe y22a6 wc8 h18\"><div class=\"t m0 xea h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y22a6 wc8 h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22a7 w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22a7 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22a7 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y22a7 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22a8 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22a8 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22a8 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y22a8 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22a9 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22a9 w54 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22a9 wd5 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">199,965<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22a9 w54 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">176,695<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22a9 wd5 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">197,700<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22aa w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws4e\">Amortisation<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22aa w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(792)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22aa wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(883)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22aa w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(790)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22aa wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(881)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ab w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Redempti<span class=\"_ _0\"></span>ons/disposal<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22ab w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">9,943</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x400 y22ab wd5 h17\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(29,642)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ab w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">9,844</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x401 y22ab wd5 h17\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(29,423)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ac w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Fair v<span class=\"_ _1\"></span>alue mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22ac w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,235<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22ac wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,946<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ac w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,257<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22ac wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,858<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ad w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Foreign<span class=\"_ _1\"></span> exch<span class=\"_ _1\"></span>ange di<span class=\"_ _1\"></span>fferenc<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22ad w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(363)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22ad wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">442<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ad w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(363)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22ad wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">442<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ae w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">At 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22ae w54 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">170,9<span class=\"ls1 ws1\">65</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x400 y22ae wd5 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ae w54 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ls1 ws1\">8<span class=\"ls18 ws74\">,955</span></span><span class=\"ls1 ws1\"><span class=\"ls18 ws74\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x401 y22ae wd5 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">176,696<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3e gs76d\">The move<span class=\"_ _1\"></span>ment in<span class=\"_ _1\"></span> debt<span class=\"_ _1\"></span> and o<span class=\"_ _1\"></span>ther fixed<span class=\"_ _1\"></span> inco<span class=\"_ _1\"></span>me fina<span class=\"_ _1\"></span>ncia<span class=\"_ _1\"></span>l inves<span class=\"_ _1\"></span>tment<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> amortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t is </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs76e\">summa<span class=\"_ _1\"></span>rised a<span class=\"_ _1\"></span>s follo<span class=\"_ _1\"></span>ws:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w23d h1f4\" id=\"_946d57c0-4ec0-4230-80b2-5255ec1b83b8\"><tr><td></td><td></td><td class=\"c x403 y22af w14e h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">                    <span class=\"_ _0\"></span><span class=\"ls20 ws4e\">Group a<span class=\"_ _0\"></span>nd Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x404 y22b0 w150 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b0 wd4 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x404 y22b1 w150 h17\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b1 wd4 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b2 w14f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x404 y22b2 w150 h18\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b2 wd4 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,285<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b3 w14f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Acquisiti<span class=\"_ _1\"></span>ons<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b3 w150 h18\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">13,596<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b3 wd4 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,542<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b4 w14f h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws4e\">Amortisation<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b4 w150 h17\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b4 wd4 h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b5 w14f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Foreign<span class=\"_ _1\"></span> exch<span class=\"_ _1\"></span>ange di<span class=\"_ _1\"></span>fferenc<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b5 w150 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(</span><span class=\"ls6 ws8\">84</span>8)<span class=\"ffa\"> </span></div></td><td class=\"c x405 y22b5 wd4 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">221<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b6 w14f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Expected credit<span class=\"_ _1\"></span> loss allo<span class=\"_ _1\"></span>wances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b6 w150 h18\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x405 y22b6 wd4 h18\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b7 w14f h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">At 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b7 w150 h17\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y22b7 wd4 h17\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs771\">The move<span class=\"_ _1\"></span>ment in<span class=\"_ _1\"></span> equit<span class=\"_ _1\"></span>y fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> design<span class=\"_ _1\"></span>ated a<span class=\"_ _1\"></span>t FVOCI is<span class=\"_ _1\"></span> summa<span class=\"_ _1\"></span>rised<span class=\"_ _1\"></span> as foll<span class=\"_ _1\"></span>ows<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w23e h1f5\" id=\"_5870c67e-7682-4a47-9e78-42b42e3e62d1\"><tr><td></td><td></td><td class=\"c x403 y22b8 w152 h76\"><div class=\"t m0 xb5 h9 y827 ff3 fs1 fc0 sc0 ls1 ws9\">             <span class=\"ls20 ws4e\">Gr<span class=\"_ _0\"></span>oup an<span class=\"_ _0\"></span>d Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x404 y22b9 w53 h77\"><div class=\"t m0 xd4 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b9 wd5 h77\"><div class=\"t m0 xd4 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x404 y22ba w53 h76\"><div class=\"t m0 x80 h9 y827 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y22ba wd5 h76\"><div class=\"t m0 x80 h3 y827 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22bb w14f h78\"><div class=\"t m0 xd h3 y827 ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x404 y22bb w53 h78\"><div class=\"t m0 x80 h9 y827 ff3 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y22bb wd5 h78\"><div class=\"t m0 x80 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">8,520<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22bc w14f h77\"><div class=\"t m0 xd h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">Acquisiti<span class=\"_ _1\"></span>ons<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22bc w53 h77\"><div class=\"t m0 x10b h15 y829 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y22bc wd5 h77\"><div class=\"t m0 xb5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">88<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22bd w14f h76\"><div class=\"t m0 xd h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">Dispos<span class=\"_ _1\"></span>als<span class=\"_ _bc\"> </span></div></td><td class=\"c x404 y22bd w53 h76\"><div class=\"t m0 x10b h9 y827 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y22bd wd5 h76\"><div class=\"t m0 x113 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">(416)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22be w14f h77\"><div class=\"t m0 xd h3 y829 ff1 fs1 fc0 sc0 ls5 ws6\">Fair v<span class=\"_ _1\"></span>alue mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22be w53 h77\"><div class=\"t m0 x22 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">257<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22be wd5 h77\"><div class=\"t m0 xe5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">(74)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22bf w14f h76\"><div class=\"t m0 xd h3 y827 ff1 fs1 fc0 sc0 ls5 ws6\">Foreign<span class=\"_ _1\"></span> exch<span class=\"_ _1\"></span>ange di<span class=\"_ _1\"></span>fferenc<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22bf w53 h76\"><div class=\"t m0 x113 h15 y827 ff3 fs1 fc0 sc0 ls6 ws8\">(151)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22bf wd5 h76\"><div class=\"t m0 xb5 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">57<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22c0 w14f h77\"><div class=\"t m0 xd h3 y829 ff1 fs1 fc0 sc0 ls5 ws6\">At 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22c0 w53 h77\"><div class=\"t m0 x80 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22c0 wd5 h77\"><div class=\"t m0 x80 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs774\">Equity instr<span class=\"_ _0\"></span>uments m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI consist o<span class=\"_ _0\"></span>f equit<span class=\"_ _0\"></span>ies liste<span class=\"_ _0\"></span>d on the M<span class=\"_ _0\"></span>alta Stoc<span class=\"_ _0\"></span>k Excha<span class=\"_ _0\"></span>nge.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs775\">During <span class=\"_ _14\"></span>2024<span class=\"ls8 ws3a\">, the Bank dis<span class=\"_ _0\"></span>pose<span class=\"_ _0\"></span>d of its e<span class=\"_ _0\"></span>quity i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span> Tigne<span class=\"_ _0\"></span> Mall pl<span class=\"_ _0\"></span>c as a r<span class=\"_ _0\"></span>esult <span class=\"_ _0\"></span>of <span class=\"_ _0\"></span>the squee<span class=\"_ _0\"></span>ze<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">out </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws11 gs776\">process ini<span class=\"_ _0\"></span>tiated by t<span class=\"_ _0\"></span>he maj<span class=\"_ _0\"></span>or shareholder<span class=\"_ _0\"></span> of Tigne Ma<span class=\"_ _0\"></span>ll plc. The <span class=\"ls6 ws8\">sold <span class=\"_ _1\"></span><span class=\"ws1c\">shares<span class=\"_ _1\"></span> had a fair v<span class=\"_ _1\"></span>alue of <span class=\"_ _1\"></span>\u20ac416,000, </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs777\">and th<span class=\"_ _1\"></span>e Bank realised a ga<span class=\"_ _1\"></span>in of<span class=\"_ _1\"></span> \u20ac216,000 whi<span class=\"_ _1\"></span>ch ha<span class=\"ls1 ws1\">d <span class=\"_ _0\"></span><span class=\"ls8 ws18\">alre<span class=\"_ _0\"></span>ady been <span class=\"ls5 ws7\">reflected<span class=\"_ _1\"></span> <span class=\"_ _11\"></span><span class=\"ws3f\">in<span class=\"_ _1\"></span> Oth<span class=\"_ _1\"></span>er Comp<span class=\"_ _1\"></span>reh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e Income.<span class=\"_ _1\"></span> <span class=\"_ _13\"></span><span class=\"ls1 ws1\"> </span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs778\">The dis<span class=\"_ _1\"></span>closu<span class=\"_ _1\"></span>re requ<span class=\"_ _1\"></span>iremen<span class=\"_ _1\"></span>ts eman<span class=\"_ _1\"></span>ating<span class=\"_ _1\"></span> from IF<span class=\"_ _1\"></span>RS 13 in res<span class=\"_ _1\"></span>p<span class=\"_ _1\"></span>ect of equ<span class=\"_ _1\"></span>ity in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>ts d<span class=\"_ _1\"></span>esigna<span class=\"_ _1\"></span>ted at<span class=\"_ _1\"></span> FVOCI </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs779\">were not de<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ed nece<span class=\"_ _0\"></span>ssary by the di<span class=\"_ _0\"></span>rect<span class=\"_ _0\"></span>ors taki<span class=\"_ _0\"></span>ng cogni<span class=\"_ _0\"></span>sance<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> insignif<span class=\"_ _0\"></span>icanc<span class=\"_ _0\"></span>e of the<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng amount<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs77a\">of thes<span class=\"_ _1\"></span>e equit<span class=\"_ _1\"></span>y inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> in the con<span class=\"_ _1\"></span>text of <span class=\"ls6 ws1f\">the stat<span class=\"_ _1\"></span>ement of financi<span class=\"_ _1\"></span>al position as at 31 December 202<span class=\"ls1 ws1\">5 </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs77b\">and 202<span class=\"ls1 ws1\">4<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 hdc ff1 fs14 fc0 sc0 ls1 ws1 gs77c\">. </div><div class=\"gsb6\"><table class=\"s w23f h1f6\" id=\"_03c4b1d0-1e38-4f63-9ca7-856a7deab592\"><tr><td class=\"t m0 x297 h5 y22c1 ff3 fs0 fc0 sc0 ls3 ws114\">7.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Loans and adva<span class=\"_ _0\"></span>nces t<span class=\"_ _0\"></span>o bank<span class=\"_ _0\"></span>s</span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x406 y22c2 wc8 hdd\"><div class=\"t m0 xea h15 yf2d ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x407 y22c2 wc8 hdd\"><div class=\"t m0 xce h9 yf2d ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y22c3 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c3 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c3 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c3 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y22c4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c5 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Repayable on call and at sh<span class=\"_ _0\"></span>ort notice<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x406 y22c5 w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">20,99<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x408 y22c5 wd5 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">18,955<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c5 w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16,010<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c5 wd5 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16,230<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c6 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Term loans and advances<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x406 y22c6 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">41,429<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c6 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">27,243<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c6 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">39,929<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c6 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,743<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c7 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Gross loans and advances to b<span class=\"_ _0\"></span>anks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x406 y22c7 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">62,42<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x408 y22c7 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">46,198<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c7 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">55,939<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c7 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">40,973<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c8 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y22c8 w54 h17\"><div class=\"t m0 x27 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c8 wd5 h17\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c8 w54 h17\"><div class=\"t m0 x27 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c8 wd5 h17\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c9 w99 hbc\"><div class=\"t m0 xd h3 yf2d ff1 fs1 fc0 sc0 ls8 wsa\">Net loans and <span class=\"_ _0\"></span>advance<span class=\"_ _0\"></span>s to ba<span class=\"_ _0\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y22c9 w54 hbc\"><div class=\"t m0 x33 h15 yf2d ff3 fs1 fc0 sc0 ls6 ws8\">62,423<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c9 wd5 hbc\"><div class=\"t m0 x33 h3 yf2d ff1 fs1 fc0 sc0 ls6 ws8\">46,189<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c9 w54 hbc\"><div class=\"t m0 x33 h15 yf2d ff3 fs1 fc0 sc0 ls6 ws8\">55,936<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c9 wd5 hbc\"><div class=\"t m0 x33 h3 yf2d ff1 fs1 fc0 sc0 ls6 ws8\">40,964<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>8.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Loans and adva<span class=\"_ _0\"></span>nces t<span class=\"_ _0\"></span>o custom<span class=\"_ _0\"></span>ers<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span><div class=\"gsb6\"><table class=\"s w240 h1f7\" id=\"_c33f36c6-7db2-4593-b852-d874c097a1a7\"><tr><td></td><td></td><td class=\"c x3fe y22ca wc8 h18\"><div class=\"t m0 xea h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y22ca wc8 h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22cb w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22cb wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cb w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22cb wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22cc w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x400 y22cc wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cc w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y22cc wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22cd w99 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Repayable on call and at sh<span class=\"_ _0\"></span>ort notice<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22cd w54 h1d\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">120,297<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22cd wd5 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">114,456<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cd w54 h1d\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">120,306<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22cd wd5 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">114,464<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ce w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Term loans and advances<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22ce w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">816,170<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22ce wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">766,646<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ce w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">816,170<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22ce wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">766,646<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22cf w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Gross loans and advances to c<span class=\"_ _0\"></span>ustomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22cf w54 h18\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">936,467<span class=\"_ _bc\"> </span></div></td><td class=\"c x400 y22cf wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">881,102<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cf w54 h18\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">936,476<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y22cf wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">881,110<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d0 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d0 w54 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(7,356)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d0 wd5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(8,420)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d0 w54 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">7,356</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x401 y22d0 wd5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(8,420)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d1 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Net loans and <span class=\"_ _0\"></span>advance<span class=\"_ _0\"></span>s to cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d1 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">929,111<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d1 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">872,682<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d1 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">929,120<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d1 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">872,690<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d2 w99 h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls18 ws7f\">Cre<span class=\"_ _1\"></span>dit loss<span class=\"_ _1\"></span> allowan<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y22d3 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 1 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d3 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">678<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d3 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">979<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d3 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">678<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d3 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">979<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d4 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 2 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d4 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">754<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d4 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">754<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">446<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d5 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 3 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d5 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ls6 ws8\">,924</span><span class=\"ffa\"> </span></div></td><td class=\"c x400 y22d5 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,995<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d5 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,924<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d5 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,995<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22d6 w54 h17\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,356<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d6 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,420<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d6 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,356<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d6 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,420<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>Assets acqui<span class=\"_ _0\"></span>red in se<span class=\"_ _0\"></span>ttleme<span class=\"_ _0\"></span>nt of debt amounting<span class=\"_ _0\"></span> to<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span>\u20ac<span class=\"ls6 ws8\">703,000</span> <span class=\"_ _14\"> </span><span class=\"ls6 ws8\">(<span class=\"_ _1\"></span>202</span>4<span class=\"ls6 ws34\">: \u20ac703,000<span class=\"_ _1\"></span>) are pr<span class=\"_ _1\"></span>esented a<span class=\"_ _1\"></span>s assets </span></span>classified a<span class=\"_ _1\"></span>s held for sa<span class=\"_ _1\"></span>le.<span class=\"_ _bc\"> </span>16.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Trade and oth<span class=\"_ _1\"></span>er recei<span class=\"_ _1\"></span>vables </span> </span><table class=\"s w260 h20e\" id=\"_5a9d8092-61fc-4e28-a311-836e70ad67ef\"><tr><td></td><td></td><td class=\"c x48e y23be wc8 h18\"><div class=\"t m0 x14e h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y23be wc8 h18\"><div class=\"t m0 x171 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23bf w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42f y23bf wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23bf w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y23bf wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23c0 w54 h17\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42f y23c0 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c0 w54 h17\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y23c0 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23c1 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Trade rec<span class=\"_ _1\"></span>eiva<span class=\"_ _1\"></span>bles <span class=\"ls1 ws1\">- </span>n<span class=\"_ _1\"></span>et of ex<span class=\"_ _1\"></span>pected <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y23c2 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">   <span class=\"ls6 ws7\">credit loss<span class=\"_ _1\"></span> allowances</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x48e y23c2 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,311<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23c2 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,341<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c2 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x490 y23c2 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23c3 wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Others<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23c3 w54 h1d\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,11<span class=\"ls1 ws1\">6<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x42f y23c3 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,638<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c3 w54 h1d\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls18 ws74\">7,2<span class=\"ls6 ws8\">38<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x490 y23c3 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,443<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23c4 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16,42<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y23c4 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,979<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">7,2<span class=\"ls6 ws8\">38</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x490 y23c4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,443<span class=\"ls1 ws1\"> </span></div></td></tr></table>The exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nces in<span class=\"_ _1\"></span> respec<span class=\"_ _1\"></span>t of trad<span class=\"_ _1\"></span>e recei<span class=\"_ _1\"></span>vab<span class=\"_ _1\"></span>les ar<span class=\"_ _1\"></span>e analy<span class=\"_ _1\"></span>sed as fo<span class=\"_ _1\"></span>llows<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span><table class=\"s w261 h20f\" id=\"_ec213c80-6bad-41c7-b9ae-404665971bdb\"><tr><td></td><td></td><td class=\"c x436 y23c5 w18f h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c x458 y23c5 w190 h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23c6 w191 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x491 y23c6 w192 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x404 y23c6 w53 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x405 y23c6 wd4 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23c7 w191 h1d\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x491 y23c7 w192 h1d\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23c7 w53 h1d\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23c7 wd4 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23c8 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Loss allowance as at 1 Ja<span class=\"_ _0\"></span>nuary<span class=\"ffb ls1\"> </span></div></td><td class=\"c x456 y23c8 w191 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">203<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x491 y23c8 w192 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">91<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23c8 w53 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23c8 wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23c9 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">A<span class=\"ls6 ws7\">cquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary</span><span class=\"ffb\"> </span></div></td><td class=\"c x456 y23c9 w191 h18\"><div class=\"t m0 x6b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td><td class=\"c x491 y23c9 w192 h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x404 y23c9 w53 h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23c9 wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23ca w18b h2f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls8 wsa\">Net charg<span class=\"_ _0\"></span><span class=\"ls1 ws1\">e <span class=\"ls6 ws7\">recognised in p<span class=\"_ _1\"></span>rofit</span></span><span class=\"ls1 ws1\"><span class=\"ls6 ws7\"> </span> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y23ca w18b h2f\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls8 wsa\">or loss dur<span class=\"_ _0\"></span>ing the ye<span class=\"_ _0\"></span>ar<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></span></div></td><td class=\"c x456 y23ca w191 h2f\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">57<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x492 h3 y23cb ff1 fs1 fc0 sc0 ls6 ws8\">112<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x404 y23ca w53 h2f\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23ca wd4 h2f\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23cc w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Loss a<span class=\"_ _1\"></span>llowance as at 31 Dece<span class=\"_ _1\"></span>mber<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23cc w191 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">26<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x491 y23cc w192 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">203<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23cc w53 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23cc wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr></table><div class=\"gsb6\"><table class=\"s w26c h216\" id=\"_f7954164-0b70-4cf5-8595-94bc35457f26\"><tr><td class=\"t m0 x297 h5 y23f7 ff3 fs0 fc0 sc0 ls3 ws114\">20.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Amounts<span class=\"_ _0\"></span> owed to<span class=\"_ _0\"></span> banks</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4b4 y23f8 wc8 h18\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x4b5 y23f8 wc8 h18\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y23f9 wbc h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y23f9 wa5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23f9 wbc h17\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23f9 wa5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y23fa wbc h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4b6 y23fa wa5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23fa wbc h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23fa wa5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x497 y23fb w26d h217\"><div class=\"t m0 x26e h3 y226f ff1 fs1 fc0 sc0 ls5 ws6\">Term dep<span class=\"_ _1\"></span>osit<span class=\"_ _1\"></span>s with<span class=\"_ _1\"></span> agreed m<span class=\"_ _1\"></span>atur<span class=\"_ _1\"></span>ity da<span class=\"_ _1\"></span>tes or<span class=\"_ _bc\"> </span></div><div class=\"t m0 x4b8 h3 y2270 ff1 fs1 fc0 sc0 ls6 ws7\">periods o<span class=\"_ _1\"></span>f notice<span class=\"_ _bc\"> </span></div></td><td class=\"c x4b4 y23fc wbc h156\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y23fc wa5 h156\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23fc wbc h156\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23fc wa5 h156\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y23fd w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repayable<span class=\"_ _0\"></span> on dem<span class=\"_ _0\"></span>and<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y23fd wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">322<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y23fd wa5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">415<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23fd wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">322<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23fd wa5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">415<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y23fe wbc h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">345<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y23fe wa5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">438<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23fe wbc h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">345<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23fe wa5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">438<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w26e h218\" id=\"_2507bdfe-433b-4404-a173-16c99adc0c43\"><tr><td class=\"t m0 x297 h4 y23ff ff3 fs0 fc0 sc0 ls3 ws114\">21.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Amounts<span class=\"_ _0\"></span> owed to<span class=\"_ _0\"></span> cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs</span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4b4 y2400 wc8 h17\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x4b5 y2400 wc8 h17\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2401 wbc h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2401 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2401 wbc h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2401 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2402 wbc h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2402 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2402 wbc h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2402 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2403 w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Term dep<span class=\"_ _1\"></span>osit<span class=\"_ _1\"></span>s with<span class=\"_ _1\"></span> agreed m<span class=\"_ _1\"></span>atur<span class=\"_ _1\"></span>ity da<span class=\"_ _1\"></span>tes<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y2403 wbc h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">550,973<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2403 wa5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">484,266<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2403 wbc h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">551,373<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2403 wa5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">484,666<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2404 w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repayable<span class=\"_ _0\"></span> on dem<span class=\"_ _0\"></span>and<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y2404 wbc h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">656,283<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2404 wa5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">635,740<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2404 wbc h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">658,921<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2404 wa5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">637,150<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2405 wbc h1d\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,207,256<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2405 wa5 h1d\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,120,006<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2405 wbc h1d\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,210,294<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2405 wa5 h1d\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,121,816<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-530": {
   "value": "5.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span><span class=\"ls71 ws116\">Bal<span class=\"_ _1\"></span>ances<span class=\"_ _1\"></span> with C<span class=\"_ _1\"></span>entral Bank<span class=\"_ _1\"></span> of Malt<span class=\"_ _1\"></span>a, treasur<span class=\"_ _1\"></span>y bills<span class=\"_ _1\"></span> and cash</span> </span><table class=\"s w239 h1f0\" id=\"_6ef2464f-06e7-437c-9635-371fe5247071\"><tr><td></td><td></td><td class=\"c x3f5 y2291 wc8 h1d\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3f6 y2291 wc8 h1d\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2292 wd5 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2292 w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2292 wd5 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2292 w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2293 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2293 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2293 wd5 h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2293 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2294 w14c h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Balances with C<span class=\"_ _0\"></span>entral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y2294 wd5 h18\"><div class=\"t m0 xf3 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">132,171</div></td><td class=\"c x3f7 y2294 w54 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">146,872<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2294 wd5 h18\"><div class=\"t m0 xf3 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">132,170</div></td><td class=\"c x3f8 y2294 w54 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">146,872<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x270 y2296 w23a h1f1\"><div class=\"t m0 x26e h3 y2295 ff1 fs1 fc0 sc0 ls5 ws6\">Malta<span class=\"_ _1\"></span> Govern<span class=\"_ _1\"></span>ment trea<span class=\"_ _1\"></span>sury<span class=\"_ _1\"></span> bills<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"ls9 wsa\">at<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 x3f9 h3 y2270 ff1 fs1 fc0 sc0 ls7 ws1\">amortised cost<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f5 y2297 wd5 h156\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,751<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2297 w54 h156\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3f6 y2297 wd5 h156\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,751<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2297 w54 h156\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3f0 y2298 w14c h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Cash in hand<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2298 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,642<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2298 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,608<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2298 wd5 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,937<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2298 w54 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,489<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2299 wd5 h18\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">182,5<span class=\"ls1 ws1\">64</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f7 y2299 w54 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">154,480<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2299 wd5 h18\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">181,<span class=\"ls1 ws1\">8</span>58<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2299 w54 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">153,361<span class=\"ls1 ws1\"> </span></div></td></tr></table>Balances with the<span class=\"_ _0\"></span> Central Bank of Malta include a r<span class=\"_ _0\"></span>eserve deposit amounting to <span class=\"ls6 ws8\">\u20ac7,210,000<span class=\"ls1 ws1\">  </span>(202<span class=\"ls1 ws1\">4<span class=\"_ _1\"></span><span class=\"lsd ws44\">: </span></span></span>\u20ac<span class=\"ls6 ws8\">7,237,000<span class=\"ws61\">) held<span class=\"_ _1\"></span> in terms o<span class=\"_ _1\"></span>f Regulation<span class=\"_ _1\"></span> (EC) No.1745/2<span class=\"_ _1\"></span>003 of th<span class=\"_ _1\"></span>e European Cen<span class=\"_ _1\"></span>tral Ban<span class=\"_ _1\"></span>k. The average </span></span>reserv<span class=\"_ _1\"></span>e depos<span class=\"_ _1\"></span>it ba<span class=\"_ _1\"></span>lance h<span class=\"_ _1\"></span>eld fo<span class=\"_ _1\"></span>r the rel<span class=\"_ _1\"></span>evan<span class=\"_ _1\"></span>t main<span class=\"_ _1\"></span>tena<span class=\"_ _1\"></span>nce peri<span class=\"_ _1\"></span>od amo<span class=\"_ _1\"></span>unted<span class=\"_ _1\"></span> to <span class=\"_ _87\"> </span><span class=\"fs1 ls6 ws8\">\u20ac7,949,00<span class=\"_ _1\"></span>0 <span class=\"_ _85\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span></span><span class=\"fs1\">4<span class=\"lsd ws44\">: </span></span>\u20ac<span class=\"ls6 ws8\">7,871,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span></span></span> At 31 December 202<span class=\"ls1 ws1\">5<span class=\"ls8 ws67\">, the Bank had pledg<span class=\"_ _0\"></span>ed a deposi<span class=\"_ _0\"></span>t w<span class=\"_ _0\"></span>ith the C<span class=\"_ _0\"></span>entral<span class=\"_ _0\"></span> Bank of M<span class=\"_ _0\"></span>alta amounting<span class=\"_ _0\"></span> to </span></span>\u20ac<span class=\"ls6 ws8\">1,582,000</span> <span class=\"_ _15\"> </span><span class=\"lsd ws44\">(20<span class=\"_ _1\"></span>2</span>4<span class=\"lsd ws161\">: \u20ac<span class=\"ls6 ws8\">1,31</span></span>3<span class=\"ls89 ws7c\">,000<span class=\"ls6 ws55\">) in favour of the<span class=\"_ _1\"></span> Deposito<span class=\"_ _1\"></span>r Compensa<span class=\"_ _1\"></span>tion Sche<span class=\"_ _1\"></span>me to comp<span class=\"_ _1\"></span>ly with local </span></span>regula<span class=\"_ _0\"></span>tory requi<span class=\"_ _0\"></span>rement<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span><span class=\"ls1 ws1\"> </span>As at 31 December 202<span class=\"_ _1\"></span><span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span></span>a<span class=\"_ _1\"></span>nd 202<span class=\"ls1 ws1\">4<span class=\"ls7 ws14\">, the credit loss allowance on balance<span class=\"_ _0\"></span>s with Central<span class=\"_ _0\"></span> Bank of Malta an<span class=\"_ _0\"></span>d </span></span>Malta Govern<span class=\"_ _1\"></span>ment treasury b<span class=\"_ _1\"></span>ills was ins<span class=\"_ _1\"></span>ignificant.<span class=\"ls1 ws1\"> </span>6.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Financial inv<span class=\"_ _0\"></span>estments<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"_ _11\"></span><span class=\"ff3 fs0 ls1 ws1\"> </span></span></span>As at 31 Decembe<span class=\"_ _1\"></span>r 202<span class=\"ls1 ws1\">5<span class=\"ls8 ws86\">, credit loss allow<span class=\"_ _0\"></span>ances i<span class=\"_ _0\"></span>n respec<span class=\"_ _0\"></span>t of de<span class=\"_ _0\"></span>bt instrume<span class=\"_ _0\"></span>nts measured at F<span class=\"_ _0\"></span>VOCI </span></span>compu<span class=\"_ _1\"></span>ted in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance with<span class=\"_ _1\"></span> th<span class=\"_ _1\"></span>e IFRS 9 exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> credi<span class=\"_ _1\"></span>t loss<span class=\"_ _1\"></span> model,<span class=\"_ _1\"></span> were <span class=\"ls6 ws8\">\u20ac219,0<span class=\"_ _1\"></span>00<span class=\"ls1 ws1\"> <span class=\"lsd ws44\">(202<span class=\"_ _1\"></span></span>4<span class=\"lsd ws74\">: \u20ac</span></span>224,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span>8.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Loans and adva<span class=\"_ _0\"></span>nces t<span class=\"_ _0\"></span>o custom<span class=\"_ _0\"></span>ers<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span><table class=\"s w240 h1f7\" id=\"_c33f36c6-7db2-4593-b852-d874c097a1a7\"><tr><td></td><td></td><td class=\"c x3fe y22ca wc8 h18\"><div class=\"t m0 xea h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y22ca wc8 h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22cb w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22cb wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cb w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22cb wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22cc w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x400 y22cc wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cc w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y22cc wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22cd w99 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Repayable on call and at sh<span class=\"_ _0\"></span>ort notice<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22cd w54 h1d\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">120,297<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22cd wd5 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">114,456<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cd w54 h1d\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">120,306<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22cd wd5 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">114,464<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ce w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Term loans and advances<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22ce w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">816,170<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22ce wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">766,646<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ce w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">816,170<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22ce wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">766,646<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22cf w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Gross loans and advances to c<span class=\"_ _0\"></span>ustomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22cf w54 h18\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">936,467<span class=\"_ _bc\"> </span></div></td><td class=\"c x400 y22cf wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">881,102<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cf w54 h18\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">936,476<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y22cf wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">881,110<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d0 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d0 w54 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(7,356)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d0 wd5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(8,420)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d0 w54 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">7,356</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x401 y22d0 wd5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(8,420)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d1 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Net loans and <span class=\"_ _0\"></span>advance<span class=\"_ _0\"></span>s to cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d1 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">929,111<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d1 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">872,682<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d1 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">929,120<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d1 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">872,690<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d2 w99 h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls18 ws7f\">Cre<span class=\"_ _1\"></span>dit loss<span class=\"_ _1\"></span> allowan<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y22d3 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 1 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d3 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">678<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d3 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">979<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d3 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">678<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d3 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">979<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d4 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 2 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d4 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">754<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d4 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">754<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">446<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d5 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 3 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d5 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ls6 ws8\">,924</span><span class=\"ffa\"> </span></div></td><td class=\"c x400 y22d5 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,995<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d5 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,924<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d5 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,995<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22d6 w54 h17\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,356<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d6 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,420<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d6 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,356<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d6 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,420<span class=\"ls1 ws1\"> </span></div></td></tr></table>Assets acqui<span class=\"_ _0\"></span>red in se<span class=\"_ _0\"></span>ttleme<span class=\"_ _0\"></span>nt of debt amounting<span class=\"_ _0\"></span> to<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span>\u20ac<span class=\"ls6 ws8\">703,000</span> <span class=\"_ _14\"> </span><span class=\"ls6 ws8\">(<span class=\"_ _1\"></span>202</span>4<span class=\"ls6 ws34\">: \u20ac703,000<span class=\"_ _1\"></span>) are pr<span class=\"_ _1\"></span>esented a<span class=\"_ _1\"></span>s assets </span></span>classified a<span class=\"_ _1\"></span>s held for sa<span class=\"_ _1\"></span>le.<span class=\"_ _bc\"> </span><div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs8b1\">32.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Net movement i<span class=\"_ _1\"></span>n expected<span class=\"_ _1\"></span> credit lo<span class=\"_ _1\"></span>sses </span><span class=\"fs2\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs8b2\">Movement in expe<span class=\"_ _1\"></span>cted credit <span class=\"_ _1\"></span>losses d<span class=\"_ _1\"></span>uring 202<span class=\"ls1 ws1\">5 <span class=\"ls7\">was as follows:</span> </span></div><div class=\"gsb6\"><table class=\"s w279 h228\" id=\"_e5500d51-cad2-42ab-89f8-75f9e04ba71e\"><tr><td></td><td></td><td class=\"c x4c1 y247e w17a hfc\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls20 ws7e\">Group </span></div></td><td></td><td></td><td class=\"c x4c2 y247e w1a8 hfc\"><div class=\"t m0 x106 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls20 ws7e\">Bank </span> </div></td><td></td></tr><tr><td></td><td></td><td class=\"c x4c3 y247f wa6 h1c\"><div class=\"t m0 x9c h9 y1a0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls7 ws4e\">Reversals </span></div></td><td></td><td></td><td class=\"c x4c4 y247f wa7 h1c\"><div class=\"t m0 x10 h9 y1a0 ff3 fs1 fc0 sc0 ls7 ws4e\">Reversals <span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x455 h9 y2480 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls18 ws74\"></span><span class=\"ls18 ws74\">Write<span class=\"_ _1\"></span></span>-<span class=\"_ _bc\"> </span></td><td class=\"t m0 x4c5 h9 y2480 ff3 fs1 fc0 sc0 ls18 ws7f\">of wr<span class=\"_ _1\"></span>ite<span class=\"ls1 ws1\">-</span></td><td></td><td class=\"t m0 x4c6 h9 y2480 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls18 ws74\"></span><span class=\"ls18 ws74\">Write<span class=\"_ _1\"></span></span>-<span class=\"_ _bc\"> </span></td><td class=\"t m0 x4c7 h9 y2480 ff3 fs1 fc0 sc0 ls18 ws7f\">of wr<span class=\"_ _1\"></span>ite<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></td><td></td></tr><tr><td></td><td class=\"c x4c1 y247f wa7 h1c\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">downs <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y247f wa6 h1c\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">downs <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c8 y247f w112 h1c\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y247f wa6 h1c\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">downs <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y247f wa7 h1c\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">downs <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y247f wa6 h1c\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls18 ws74\">Tota<span class=\"_ _1\"></span>l </span> </div></td></tr><tr><td></td><td class=\"c x4c1 y2481 wa7 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c3 y2481 wa6 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c8 y2481 w112 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c2 y2481 wa6 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c4 y2481 wa7 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y2481 wa6 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2482 w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Trade receivables <span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2483 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 3<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y2483 wa7 hfc\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(57)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y2483 wa6 hfc\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y2483 w112 hfc\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(57)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y2483 wa6 hfc\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y2483 wa7 hfc\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x401 y2483 wa6 hfc\"><div class=\"t m0 x10b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2484 w1a7 hf9\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Total trade receiva<span class=\"_ _0\"></span>bles<span class=\"ffa ls1\"> </span></div></td><td class=\"c x4c1 y2484 wa7 hf9\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(57)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y2484 wa6 hf9\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y2484 w112 hf9\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(57)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y2484 wa6 hf9\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y2484 wa7 hf9\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x401 y2484 wa6 hf9\"><div class=\"t m0 x10b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y2486 w27a h229\"><div class=\"t m0 x26e h9 y2485 ff3 fs1 fc0 sc0 ls20 ws4e\">Loans a<span class=\"_ _0\"></span>nd adva<span class=\"_ _0\"></span>nces to<span class=\"_ _bc\"> </span></div><div class=\"t m0 x4b8 h15 y2387 ff3 fs1 fc0 sc0 ls20 ws7e\">banks</div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2487 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x4c1 y2487 wa7 hfc\"><div class=\"t m0 x10b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c3 y2487 wa6 hfc\"><div class=\"t m0 x49 h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">6<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y2487 w112 hfc\"><div class=\"t m0 x49 h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">6<span class=\"ffa\"> </span></div></td><td class=\"c x4c2 y2487 wa6 hfc\"><div class=\"t m0 x69 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c4 y2487 wa7 hfc\"><div class=\"t m0 xcd h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">6<span class=\"ffa\"> </span></div></td><td class=\"c x401 y2487 wa6 hfc\"><div class=\"t m0 x49 h9 y99e ff3 fs1 fc0 sc0 ls1 ws1\">6 </div></td></tr><tr><td class=\"c x402 y2488 w1a7 h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> </span><span class=\"ls20 ws4e\">loans an<span class=\"_ _0\"></span>d advanc<span class=\"_ _0\"></span>es</span><span class=\"ls20 ws4e\"> <span class=\"ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2488 w1a7 h31\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls20 ws4e\">to banks<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x4c1 y2488 wa7 h31\"><div class=\"t m0 x10b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"t m0 x4c9 h15 y2489 ff3 fs1 fc0 sc0 ls1 ws1\">6<span class=\"ffa\"> </span></td><td class=\"t m0 x4ca h15 y2489 ff3 fs1 fc0 sc0 ls1 ws1\">6<span class=\"ffa\"> </span></td><td class=\"c x4c2 y2488 wa6 h31\"><div class=\"t m0 x69 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"t m0 x4cb h15 y2489 ff3 fs1 fc0 sc0 ls1 ws1\">6<span class=\"ffa\"> </span></td><td class=\"t m0 x4cc h9 y2489 ff3 fs1 fc0 sc0 ls1 ws1\">6 </td></tr><tr><td class=\"c x270 y248a w27a h229\"><div class=\"t m0 x26e h9 y2485 ff3 fs1 fc0 sc0 ls20 ws4e\">Loans a<span class=\"_ _0\"></span>nd adva<span class=\"_ _0\"></span>nces to<span class=\"_ _bc\"> </span></div><div class=\"t m0 x4b8 h15 y2387 ff3 fs1 fc0 sc0 ls7 ws4e\">customers</div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y248b w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y248b wa7 hfc\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c3 y248b wa6 hfc\"><div class=\"t m0 x35 h9 y99e ff3 fs1 fc0 sc0 ls6 ws8\">301<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c8 y248b w112 hfc\"><div class=\"t m0 x35 h9 y99e ff3 fs1 fc0 sc0 ls6 ws8\">301<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c2 y248b wa6 hfc\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y248b wa7 hfc\"><div class=\"t m0 xe5 h9 y99e ff3 fs1 fc0 sc0 ls6 ws8\">301<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y248b wa6 hfc\"><div class=\"t m0 x35 h9 y99e ff3 fs1 fc0 sc0 ls6 ws8\">301<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y248c w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 2<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y248c wa7 hfc\"><div class=\"t m0 xd4 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(308)<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c3 y248c wa6 hfc\"><div class=\"t m0 x10b h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y248c w112 hfc\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(308)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y248c wa6 hfc\"><div class=\"t m0 xd4 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(308)<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c4 y248c wa7 hfc\"><div class=\"t m0 x69 h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x401 y248c wa6 hfc\"><div class=\"t m0 xcb h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(308)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y248d w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 3<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y248d wa7 hfc\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c3 y248d wa6 hfc\"><div class=\"t m0 x80 h15 y99e ff3 fs1 fc0 sc0 ls6 ws8\">1,15<span class=\"ls1 ws1\">0</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4c8 y248d w112 hfc\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,15<span class=\"ls1 ws1\">0</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4c2 y248d wa6 hfc\"><div class=\"t m0 xd9 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y248d wa7 hfc\"><div class=\"t m0 x90 h15 y99e ff3 fs1 fc0 sc0 ls6 ws8\">1,15<span class=\"ls1 ws1\">0</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x401 y248d wa6 hfc\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,15<span class=\"ls1 ws1\">0</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y248e w1a7 hfc\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls5 ws7\">Recov<span class=\"_ _1\"></span>eries<span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x4c1 y248e wa7 hfc\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c3 y248e wa6 hfc\"><div class=\"t m0 x49 h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y248e w112 hfc\"><div class=\"t m0 x49 h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"ffa\"> </span></div></td><td class=\"c x4c2 y248e wa6 hfc\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y248e wa7 hfc\"><div class=\"t m0 xcd h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"ffa\"> </span></div></td><td class=\"c x401 y248e wa6 hfc\"><div class=\"t m0 x49 h9 y99e ff3 fs1 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x402 y248f w1a7 h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> </span><span class=\"ls20 ws4e\">loans an<span class=\"_ _0\"></span>d advanc<span class=\"_ _0\"></span>es</span><span class=\"ls20 ws4e\"> <span class=\"ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y248f w1a7 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls7 ws1\">to customers<span class=\"ffa ls1\"> </span></span></div></td><td class=\"c x4c1 y248f wa7 h31\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(308)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y248f wa6 h31\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,454<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c8 y248f w112 h31\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,146<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y248f wa6 h31\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(308)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y248f wa7 h31\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,454<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y248f wa6 h31\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,146<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2490 w1a7 h2f\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls7 ws1\">Debt securities meas<span class=\"_ _0\"></span>ured <span class=\"ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2490 w1a7 h2f\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls6 ws7\">at FVOCI</span><span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2491 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y2491 wa7 hfc\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c3 y2491 wa6 hfc\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y2491 w112 hfc\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x4c2 y2491 wa6 hfc\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y2491 wa7 hfc\"><div class=\"t m0 xcd h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x401 y2491 wa6 hfc\"><div class=\"t m0 x49 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x402 y2492 w1a7 h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> <span class=\"ff3 ls7\">financial inves<span class=\"_ _0\"></span>tments</span></span><span class=\"ff1 ls1 ws1\"><span class=\"ff3 ls7\"> <span class=\"ls1\"> </span></span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2492 w1a7 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls20 ws4e\">measured a<span class=\"_ _0\"></span>t FVO<span class=\"_ _0\"></span>CI<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x4c1 y2492 wa7 h31\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c3 y2492 wa6 h31\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y2492 w112 h31\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x4c2 y2492 wa6 h31\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y2492 wa7 h31\"><div class=\"t m0 xcd h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffa\"> </span></div></td><td class=\"c x401 y2492 wa6 h31\"><div class=\"t m0 x49 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x402 y2493 w1a7 h2f\"><div class=\"t m0 xd h9 y3bc ff3 fs1 fc0 sc0 ls7 ws1\">Debt securities meas<span class=\"_ _0\"></span>ured <span class=\"ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2493 w1a7 h2f\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls7 ws1\">at amortised cost<span class=\"_ _0\"></span><span class=\"ffa ls1\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2494 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y2494 wa7 hfc\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c3 y2494 wa6 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y2494 w112 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x4c2 y2494 wa6 hfc\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y2494 wa7 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x401 y2494 wa6 hfc\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12 </div></td></tr><tr><td class=\"c x402 y2495 w1a7 h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> <span class=\"ff3 ls7\">financial inves<span class=\"_ _0\"></span>tments</span></span><span class=\"ff1 ls1 ws1\"><span class=\"ff3 ls7\"> <span class=\"ls1\"> </span></span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2495 w1a7 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls20 ws4e\">measured a<span class=\"_ _0\"></span>t amo<span class=\"_ _0\"></span>rtised<span class=\"_ _0\"></span> cost<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x4c1 y2495 wa7 h31\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c3 y2495 wa6 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y2495 w112 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x4c2 y2495 wa6 h31\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y2495 wa7 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x401 y2495 wa6 h31\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12 </div></td></tr><tr><td class=\"c x402 y2496 w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Other financial<span class=\"_ _0\"></span> assets<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2497 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y2497 wa7 hfc\"><div class=\"t m0 xd4 h15 y99e ff3 fs1 fc0 sc0 ls6 ws8\">(201)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y2497 wa6 hfc\"><div class=\"t m0 x10b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c8 y2497 w112 hfc\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(201)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y2497 wa6 hfc\"><div class=\"t m0 xd4 h15 y99e ff3 fs1 fc0 sc0 ls6 ws8\">(201)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y2497 wa7 hfc\"><div class=\"t m0 x69 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y2497 wa6 hfc\"><div class=\"t m0 xcb h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(201)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2498 w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> <span class=\"ff3 ls7\">other financial ass<span class=\"_ _0\"></span>ets</span></span><span class=\"ff1 ls1 ws1\"><span class=\"ff3 ls7\"><span class=\"ffa ls1\"> </span></span></span></div></td><td class=\"c x4c1 y2498 wa7 hfc\"><div class=\"t m0 xd4 h15 y99e ff3 fs1 fc0 sc0 ls6 ws8\">(201)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y2498 wa6 hfc\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y2498 w112 hfc\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(201)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y2498 wa6 hfc\"><div class=\"t m0 xd4 h15 y99e ff3 fs1 fc0 sc0 ls6 ws8\">(201)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y2498 wa7 hfc\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x401 y2498 wa6 hfc\"><div class=\"t m0 xcb h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(201)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2499 w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">Off<span class=\"ls1 ws1\">-<span class=\"ls7\">balance sheet items</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y249a w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y249a wa7 hfc\"><div class=\"t m0 x10b h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c3 y249a wa6 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">70<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y249a w112 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">70<span class=\"ffa\"> </span></div></td><td class=\"c x4c2 y249a wa6 hfc\"><div class=\"t m0 xd9 h15 y99e ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c4 y249a wa7 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">70<span class=\"ffa\"> </span></div></td><td class=\"c x401 y249a wa6 hfc\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">70 </div></td></tr><tr><td class=\"c x402 y249b w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 3<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y249b wa7 hfc\"><div class=\"t m0 x35 h15 y99e ff3 fs1 fc0 sc0 ls6 ws8\">(21)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y249b wa6 hfc\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y249b w112 hfc\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(21)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y249b wa6 hfc\"><div class=\"t m0 x35 h15 y99e ff3 fs1 fc0 sc0 ls6 ws8\">(21)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y249b wa7 hfc\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x401 y249b wa6 hfc\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(21)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y249c w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> </span><span class=\"ls24 ws9\">off<span class=\"ls1 ws1\">-<span class=\"ls7\">balance sheet items</span></span></span><span class=\"ls24 ws9\"><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></span></div></td><td class=\"c x4c1 y249c wa7 hfc\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(21<span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x4c3 y249c wa6 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">70<span class=\"ffa\"> </span></div></td><td class=\"c x4c8 y249c w112 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">49<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y249c wa6 hfc\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(21)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y249c wa7 hfc\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">70<span class=\"ffa\"> </span></div></td><td class=\"c x401 y249c wa6 hfc\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">49<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y249d w1a7 h17c\"><div class=\"t m0 xd h9 yafe ff3 fs1 fc0 sc0 ls7 ws1\">Net movement in expected </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y249d w1a7 h17c\"><div class=\"t m0 x88 h15 y19d3 ff3 fs1 fc0 sc0 ls7 ws1\">credit losses <span class=\"ffa ls1\"> </span></div></td><td class=\"c x4c1 y249d wa7 h17c\"><div class=\"t m0 xd4 h15 y19d3 ff3 fs1 fc0 sc0 ls6 ws8\">(587)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y249d wa6 h17c\"><div class=\"t m0 x90 h15 y19d3 ff3 fs1 fc0 sc0 ls6 ws8\">1,547<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c8 y249d w112 h17c\"><div class=\"t m0 xe5 h15 y19d3 ff3 fs1 fc0 sc0 ls6 ws8\">960<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y249d wa6 h17c\"><div class=\"t m0 xd4 h15 y19d3 ff3 fs1 fc0 sc0 ls6 ws8\">(530)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y249d wa7 h17c\"><div class=\"t m0 x90 h15 y19d3 ff3 fs1 fc0 sc0 ls6 ws8\">1,547<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x4cd h9 y249e ff3 fs1 fc0 sc0 ls6 ws8\">1,017<span class=\"ls1 ws1\"> </span></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs8b5\">Movement in expe<span class=\"_ _1\"></span>cted credit <span class=\"_ _1\"></span>losses d<span class=\"_ _1\"></span>uring 202<span class=\"ls1 ws1\">4 <span class=\"ls7\">was as follows:</span> </span></div><div class=\"gsb6\"><table class=\"s w279 h22a\" id=\"_3359aa20-73be-4cb1-b3e5-db751281177d\"><tr><td></td><td></td><td class=\"c x4c1 y249f w17a hfc\"><div class=\"t m0 xf7 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls20 ws7e\">Group </span><span class=\"ffa\"> </span></div></td><td></td><td></td><td class=\"c x4c2 y249f w1a8 hfc\"><div class=\"t m0 x106 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls20 ws7e\">Bank </span> </div></td><td></td></tr><tr><td></td><td></td><td class=\"c x4c3 y24a0 wa6 h1f\"><div class=\"t m0 x9c h9 y1a0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls7 ws4e\">Reversals </span></div></td><td></td><td></td><td class=\"c x4c4 y24a0 wa7 h1f\"><div class=\"t m0 x10 h9 y1a0 ff3 fs1 fc0 sc0 ls7 ws4e\">Reversals <span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x455 h9 y24a1 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls18 ws74\"></span><span class=\"ls18 ws74\">Write<span class=\"_ _1\"></span></span>-<span class=\"_ _bc\"> </span></td><td class=\"t m0 x4c5 h9 y24a1 ff3 fs1 fc0 sc0 ls18 ws7f\">of wr<span class=\"_ _1\"></span>ite<span class=\"ls1 ws1\">-</span></td><td></td><td class=\"t m0 x4c6 h9 y24a2 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls18 ws74\"></span><span class=\"ls18 ws74\">Write<span class=\"_ _1\"></span></span>-<span class=\"_ _bc\"> </span></td><td class=\"t m0 x4c7 h9 y24a1 ff3 fs1 fc0 sc0 ls18 ws7f\">of wr<span class=\"_ _1\"></span>ite<span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></td><td></td></tr><tr><td></td><td class=\"c x4c1 y24a0 wa7 h1f\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">downs <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24a0 wa6 h1f\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">downs </div></td><td class=\"c x4c8 y24a0 w112 h1f\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total</div></td><td class=\"c x4c2 y24a0 wa6 h1f\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">downs <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24a0 wa7 h1f\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">downs </div></td><td class=\"c x401 y24a0 wa6 h1f\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls18 ws74\">Tota<span class=\"_ _1\"></span>l </span> </div></td></tr><tr><td></td><td class=\"c x4c1 y24a3 wa7 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24a3 wa6 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24a3 w112 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24a3 wa6 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24a3 wa7 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y24a3 wa6 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24a4 w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Trade receivables <span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24a5 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 3<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24a5 wa7 hfc\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(112)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24a5 wa6 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24a5 w112 hfc\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(112)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24a5 wa6 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24a5 wa7 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24a5 wa6 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24a6 w1a7 h102\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Total trade receiva<span class=\"_ _0\"></span>bles<span class=\"ffa ls1\"> </span></div></td><td class=\"c x4c1 y24a6 wa7 h102\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(112)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24a6 wa6 h102\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24a6 w112 h102\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(112)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24a6 wa6 h102\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24a6 wa7 h102\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24a6 wa6 h102\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x270 y24a8 w27a h22b\"><div class=\"t m0 x26e h9 y24a7 ff3 fs1 fc0 sc0 ls20 ws4e\">Loans a<span class=\"_ _0\"></span>nd adva<span class=\"_ _0\"></span>nces to<span class=\"_ _bc\"> </span></div><div class=\"t m0 x4b8 h15 y2387 ff3 fs1 fc0 sc0 ls20 ws7e\">banks</div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24a9 w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffa ws1\"> </span></div></td><td class=\"c x4c1 y24a9 wa7 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24a9 wa6 hfc\"><div class=\"t m0 x10b h3 y9bd ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24a9 w112 hfc\"><div class=\"t m0 x4f h3 y9bd ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24a9 wa6 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24a9 wa7 hfc\"><div class=\"t m0 x69 h3 y9bd ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24a9 wa6 hfc\"><div class=\"t m0 x4f h3 y9bd ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24aa w1a7 h2f\"><div class=\"t m0 xd h9 y3bc ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> </span><span class=\"ls20 ws4e\">loans an<span class=\"_ _0\"></span>d advanc<span class=\"_ _0\"></span>es</span><span class=\"ls20 ws4e\"> <span class=\"ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24aa w1a7 h2f\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls20 ws4e\">to banks<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x4c1 y24aa wa7 h2f\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24aa wa6 h2f\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24aa w112 h2f\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24aa wa6 h2f\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24aa wa7 h2f\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24aa wa6 h2f\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x270 y24ab w27a h22b\"><div class=\"t m0 x26e h9 y24a7 ff3 fs1 fc0 sc0 ls20 ws4e\">Loans a<span class=\"_ _0\"></span>nd adva<span class=\"_ _0\"></span>nces to<span class=\"_ _bc\"> </span></div><div class=\"t m0 x4b8 h15 y2387 ff3 fs1 fc0 sc0 ls7 ws4e\">customers</div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24ac w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24ac wa7 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24ac wa6 hfc\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">601<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24ac w112 hfc\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">601<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24ac wa6 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24ac wa7 hfc\"><div class=\"t m0 xe5 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">601<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24ac wa6 hfc\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">601<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ad w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 2<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24ad wa7 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24ad wa6 hfc\"><div class=\"t m0 x80 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,441<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24ad w112 hfc\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,441<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24ad wa6 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24ad wa7 hfc\"><div class=\"t m0 x90 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,441<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24ad wa6 hfc\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,441<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ae w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 3<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24ae wa7 hfc\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,184)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24ae wa6 hfc\"><div class=\"t m0 x10b h3 y9bd ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24ae w112 hfc\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,184)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24ae wa6 hfc\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,184)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24ae wa7 hfc\"><div class=\"t m0 x69 h3 y9bd ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24ae wa6 hfc\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,184)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24af w1a7 hfc\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Write o<span class=\"_ _1\"></span>ffs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c1 y24af wa7 hfc\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(129)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24af wa6 hfc\"><div class=\"t m0 x10b h3 y9bd ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24af w112 hfc\"><div class=\"t m0 xcb h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(129)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24af wa6 hfc\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(129)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24af wa7 hfc\"><div class=\"t m0 x69 h3 y9bd ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24af wa6 hfc\"><div class=\"t m0 xcb h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(129)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24b0 w1a7 hfc\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls5 ws7\">Recov<span class=\"_ _1\"></span>eries<span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x4c1 y24b0 wa7 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24b0 wa6 hfc\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">63<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24b0 w112 hfc\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">63<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24b0 wa6 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24b0 wa7 hfc\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">63<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24b0 wa6 hfc\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">63<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24b1 w1a7 h2f\"><div class=\"t m0 xd h9 y3bc ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> </span><span class=\"ls20 ws4e\">loans an<span class=\"_ _0\"></span>d advanc<span class=\"_ _0\"></span>es</span><span class=\"ls20 ws4e\"> <span class=\"ls1 ws1\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24b1 w1a7 h2f\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls7 ws1\">to customers<span class=\"ffa ls1\"> </span></span></div></td><td class=\"c x4c1 y24b1 wa7 h2f\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,313)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24b1 wa6 h2f\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,105<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24b1 w112 h2f\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">792<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24b1 wa6 h2f\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,313)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24b1 wa7 h2f\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,105<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24b1 wa6 h2f\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">792<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24b2 w1a7 h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls7 ws1\">Debt securities meas<span class=\"_ _0\"></span>ured <span class=\"ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24b2 w1a7 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls6 ws7\">at FVOCI</span><span class=\"ffa ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24b3 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24b3 wa7 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24b3 wa6 hfc\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">247<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24b3 w112 hfc\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">247<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24b3 wa6 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24b3 wa7 hfc\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">247<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24b3 wa6 hfc\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">247<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24b4 w1a7 h2f\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> <span class=\"ff3 ls7\">financial inves<span class=\"_ _0\"></span>tments</span></span><span class=\"ff1 ls1 ws1\"><span class=\"ff3 ls7\"> <span class=\"ls1\"> </span></span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24b4 w1a7 h2f\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls20 ws4e\">measured a<span class=\"_ _0\"></span>t FVO<span class=\"_ _0\"></span>CI<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x4c1 y24b4 wa7 h2f\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24b4 wa6 h2f\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">247<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24b4 w112 h2f\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">247<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24b4 wa6 h2f\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24b4 wa7 h2f\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">247<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24b4 wa6 h2f\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">247<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24b5 w1a7 h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls7 ws1\">Debt securities meas<span class=\"_ _0\"></span>ured <span class=\"ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24b5 w1a7 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls7 ws1\">at amortised cost<span class=\"_ _0\"></span><span class=\"ffa ls1\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24b6 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24b6 wa7 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24b6 wa6 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24b6 w112 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24b6 wa6 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24b6 wa7 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24b6 wa6 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24b7 w1a7 h156\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> <span class=\"ff3 ls7\">financial inves<span class=\"_ _0\"></span>tments</span></span><span class=\"ff1 ls1 ws1\"><span class=\"ff3 ls7\"> <span class=\"ls1\"> </span></span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24b7 w1a7 h156\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls20 ws4e\">measured a<span class=\"_ _0\"></span>t amo<span class=\"_ _0\"></span>rtised<span class=\"_ _0\"></span> cost<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x4c1 y24b7 wa7 h156\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c3 y24b7 wa6 h156\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c8 y24b7 w112 h156\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c2 y24b7 wa6 h156\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c4 y24b7 wa7 h156\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y24b7 wa6 h156\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24b8 w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Other financial<span class=\"_ _0\"></span> assets<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24b9 w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24b9 wa7 hfc\"><div class=\"t m0 x10b h3 y9bd ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24b9 wa6 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24b9 w112 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24b9 wa6 hfc\"><div class=\"t m0 x69 h3 y9bd ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24b9 wa7 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24b9 wa6 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ba w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> <span class=\"ff3 ls7\">other financial ass<span class=\"_ _0\"></span>ets</span></span><span class=\"ff1 ls1 ws1\"><span class=\"ff3 ls7\"><span class=\"ffa ls1\"> </span></span></span></div></td><td class=\"c x4c1 y24ba wa7 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24ba wa6 hfc\"><div class=\"t m0 xd6 h3 y99e ff1 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c8 y24ba w112 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24ba wa6 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24ba wa7 hfc\"><div class=\"t m0 xd6 h3 y99e ff1 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y24ba wa6 hfc\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24bb w1a7 hfc\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">Off<span class=\"ls1 ws1\">-<span class=\"ls7\">balance sheet items</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24bc w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 1<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24bc wa7 hfc\"><div class=\"t m0 x35 h3 y99e ff1 fs1 fc0 sc0 ls6 ws8\">(59)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24bc wa6 hfc\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24bc w112 hfc\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(59)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24bc wa6 hfc\"><div class=\"t m0 x35 h3 y99e ff1 fs1 fc0 sc0 ls6 ws8\">(59)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24bc wa7 hfc\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24bc wa6 hfc\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(59)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24bd w1a7 hfc\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls5 ws6\">Stage 2<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4c1 y24bd wa7 hfc\"><div class=\"t m0 x10b h3 y99e ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c3 y24bd wa6 hfc\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24bd w112 hfc\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffb\"> </span></div></td><td class=\"c x4c2 y24bd wa6 hfc\"><div class=\"t m0 x69 h3 y99e ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4c4 y24bd wa7 hfc\"><div class=\"t m0 xcd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24bd wa6 hfc\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x402 y24be w1a7 hfc\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ff1 ls1 ws1\"> </span><span class=\"ls24 ws9\">off<span class=\"ls1 ws1\">-<span class=\"ls7\">balance sheet items<span class=\"_ _bc\"> </span></span></span></span></div></td><td class=\"c x4c1 y24be wa7 hfc\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(59)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c3 y24be wa6 hfc\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffb\"> </span></div></td><td class=\"c x4c8 y24be w112 hfc\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(54)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c2 y24be wa6 hfc\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(59)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c4 y24be wa7 hfc\"><div class=\"t m0 xcd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ffb\"> </span></div></td><td class=\"c x401 y24be wa6 hfc\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(54)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24bf w1a7 h17c\"><div class=\"t m0 xd h9 yafe ff3 fs1 fc0 sc0 ls7 ws1\">Net movement in expected </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24bf w1a7 h17c\"><div class=\"t m0 x88 h15 y19c6 ff3 fs1 fc0 sc0 ls7 ws1\">credit losses <span class=\"ffa ls1\"> </span></div></td><td class=\"t m0 x4ce h3 y24c0 ff1 fs1 fc0 sc0 ls6 ws8\">(1,493)<span class=\"ffb ls1 ws1\"> </span></td><td class=\"t m0 x4cf h3 y24c0 ff1 fs1 fc0 sc0 ls6 ws8\">2,420<span class=\"ffb ls1 ws1\"> </span></td><td class=\"t m0 x4d0 h3 y24c0 ff1 fs1 fc0 sc0 ls6 ws8\">927<span class=\"ffb ls1 ws1\"> </span></td><td class=\"t m0 x4d1 h3 y24c0 ff1 fs1 fc0 sc0 ls6 ws8\">(1,381)<span class=\"ffb ls1 ws1\"> </span></td><td class=\"t m0 x4d2 h3 y24c0 ff1 fs1 fc0 sc0 ls6 ws8\">2,420<span class=\"ffb ls1 ws1\"> </span></td><td class=\"t m0 x4cd h3 y24c0 ff1 fs1 fc0 sc0 ls6 ws8\">1,039<span class=\"ls1 ws1\"> </span></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-21": {
   "value": "6.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Financial inv<span class=\"_ _0\"></span>estments<span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span>Financial in<span class=\"_ _1\"></span>vestments i<span class=\"_ _1\"></span>nclude the followin<span class=\"_ _1\"></span>g<span class=\"ls1 ws1\">:</span><table class=\"s w238 h1ee\" id=\"_ec131e1d-2f4a-476c-8ef5-94c8d10fe609\"><tr><td></td><td></td><td class=\"c x3f5 y227b wc8 h76\"><div class=\"t m0 x110 h9 y827 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c x3f6 y227b wc8 h76\"><div class=\"t m0 xf7 h9 y827 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y227c w54 h77\"><div class=\"t m0 x35 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y227c wd5 h77\"><div class=\"t m0 xe5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227c w54 h77\"><div class=\"t m0 x35 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y227c wd5 h77\"><div class=\"t m0 xd7 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y227d w54 h76\"><div class=\"t m0 x1d h9 y827 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f7 y227d wd5 h76\"><div class=\"t m0 x22 h3 y827 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227d w54 h76\"><div class=\"t m0 x1d h9 y827 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f8 y227d wd5 h76\"><div class=\"t m0 xe5 h3 y827 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y227e we3 h77\"><div class=\"t m0 x10 h15 y829 ff3 fs1 fc0 sc0 ls20 ws4e\">Measured a<span class=\"_ _0\"></span>t FVO<span class=\"_ _0\"></span>CI<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y227f we3 h78\"><div class=\"t m0 x11 h3 y827 ff1 fs1 fc0 sc0 ls8 wsa\">Debt and othe<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>xed inc<span class=\"_ _0\"></span>ome instrum<span class=\"_ _0\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y227f w54 h78\"><div class=\"t m0 x11 h9 y827 ff3 fs1 fc0 sc0 ls6 ws8\">170,965<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f7 y227f wd5 h78\"><div class=\"t m0 xf3 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y227f w54 h78\"><div class=\"t m0 xdf h9 y827 ff3 fs1 fc0 sc0 ls6 ws8\">168,955<span class=\"_ _bc\"> </span></div></td><td class=\"c x3f8 y227f wd5 h78\"><div class=\"t m0 xdb h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">176,696<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2280 we3 h77\"><div class=\"t m0 x11 h3 y829 ff1 fs1 fc0 sc0 ls8 wsa\">Equity instr<span class=\"_ _0\"></span>uments<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2280 w54 h77\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2280 wd5 h77\"><div class=\"t m0 x22 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2280 w54 h77\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2280 wd5 h77\"><div class=\"t m0 xe5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2281 we3 h76\"><div class=\"t m0 x10 h9 y827 ff3 fs1 fc0 sc0 ls20 ws4e\">Measured a<span class=\"_ _0\"></span>t amo<span class=\"_ _0\"></span>rtise<span class=\"_ _0\"></span>d cost<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2282 we3 h77\"><div class=\"t m0 x11 h3 y829 ff1 fs1 fc0 sc0 ls8 wsa\">Debt and othe<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>xed inc<span class=\"_ _0\"></span>ome instrum<span class=\"_ _0\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2282 w54 h77\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2282 wd5 h77\"><div class=\"t m0 xd4 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2282 w54 h77\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2282 wd5 h77\"><div class=\"t m0 x113 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2283 w54 h78\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">213,1<span class=\"ls1 ws1\">36</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f7 y2283 wd5 h78\"><div class=\"t m0 xf3 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">208,110<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2283 w54 h78\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">211,126<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2283 wd5 h78\"><div class=\"t m0 xdb h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">205,978<span class=\"ls1 ws1\"> </span></div></td></tr></table>Debt a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her fixed<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> FVOCI are a<span class=\"_ _1\"></span>naly<span class=\"_ _1\"></span>sed as<span class=\"_ _1\"></span> follows<span class=\"_ _1\"></span>:<table class=\"s w238 h1ef\" id=\"_6275a389-b31c-4133-9cd8-016b073a9d32\"><tr><td></td><td></td><td class=\"c x3f5 y2284 wc8 h17\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">                     <span class=\"_ _0\"></span><span class=\"ls20 ws7e\">Group<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></span></div></td><td></td><td class=\"c x3f6 y2284 wc8 h17\"><div class=\"t m0 x10 h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">                      <span class=\"_ _0\"></span>  <span class=\"ls20 ws7e\">Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x3f5 y2285 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2285 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2285 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2285 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2286 w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2286 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2286 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2286 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2287 we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic bodie<span class=\"_ _0\"></span>s:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2288 we3 h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls6 ws7\">local governm<span class=\"_ _1\"></span>ent</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y2288 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">139,855<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2288 wd5 h17\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">141,008<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2288 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">138,778<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2288 wd5 h17\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">139,805<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2289 we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls5 ws6\">forei<span class=\"_ _1\"></span>gn gov<span class=\"_ _1\"></span>ernments</span><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y2289 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,561<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2289 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,224<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2289 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,561<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2289 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,224<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228a we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7 ws4e\">supranational</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228a w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228a wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,010<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228a w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,010<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228b we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic is<span class=\"_ _0\"></span>suers:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y228c we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228c w54 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">11,814<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228c wd5 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,197<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228c w54 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">11,270<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228c wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">11,660<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228d we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local corporate<span class=\"_ _0\"></span>s</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y228d w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,601<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228d wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,836<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228d w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,212<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228d wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,444<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228e we3 h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">foreign banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y228e w54 h1d\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,742<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228e wd5 h1d\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,243<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228e w54 h1d\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,742<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228e wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,243<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y228f we3 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">foreign corporate<span class=\"_ _0\"></span>s</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y228f w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,286<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y228f wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,310<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y228f w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,286<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y228f wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,310<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2290 w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">170,965<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2290 wd5 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2290 w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">168,955<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2290 wd5 h18\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">176,696<span class=\"ls1 ws1\"> </span></div></td></tr></table>As at 31 Decembe<span class=\"_ _1\"></span>r 202<span class=\"ls1 ws1\">5<span class=\"ls8 ws86\">, credit loss allow<span class=\"_ _0\"></span>ances i<span class=\"_ _0\"></span>n respec<span class=\"_ _0\"></span>t of de<span class=\"_ _0\"></span>bt instrume<span class=\"_ _0\"></span>nts measured at F<span class=\"_ _0\"></span>VOCI </span></span>compu<span class=\"_ _1\"></span>ted in<span class=\"_ _1\"></span> accord<span class=\"_ _1\"></span>ance with<span class=\"_ _1\"></span> th<span class=\"_ _1\"></span>e IFRS 9 exp<span class=\"_ _1\"></span>ected<span class=\"_ _1\"></span> credi<span class=\"_ _1\"></span>t loss<span class=\"_ _1\"></span> model,<span class=\"_ _1\"></span> were <span class=\"ls6 ws8\">\u20ac219,0<span class=\"_ _1\"></span>00<span class=\"ls1 ws1\"> <span class=\"lsd ws44\">(202<span class=\"_ _1\"></span></span>4<span class=\"lsd ws74\">: \u20ac</span></span>224,000<span class=\"lsd ws44\">).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></span>Debt a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her fixed<span class=\"_ _1\"></span> incom<span class=\"_ _1\"></span>e inst<span class=\"_ _1\"></span>rument<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> amortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t are a<span class=\"_ _1\"></span>nalys<span class=\"_ _1\"></span>ed as fol<span class=\"_ _1\"></span>lows:<span class=\"ls1 ws1\"> </span>Group<span class=\"ffa ls1 ws1\"> </span>Bank<span class=\"ls1 ws1\"> </span><table class=\"s w23b h1f2\" id=\"_53cba5d5-ba95-46d8-b4d6-1689fae9c67d\"><tr><td></td><td class=\"c x3f5 y229a w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229a w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229a wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y229b w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229b wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229b w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229b wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y229c wdd h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic bodie<span class=\"_ _0\"></span>s:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y229d wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls6 ws7\">local governm<span class=\"_ _1\"></span>ent</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y229d w54 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22,012<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229d wd5 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,016<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229d w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22,012<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229d wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,016<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y229e wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls5 ws6\">forei<span class=\"_ _1\"></span>gn gov<span class=\"_ _1\"></span>ernments</span><span class=\"ls5 ws6\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y229e w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,588<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229e wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,860<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229e w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,588<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229e wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,860<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y229f wdd h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7 ws4e\">supranational</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y229f w54 h17\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,994<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y229f wd5 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,695<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y229f w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,994<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y229f wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,695<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y22a0 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Issued by publ<span class=\"_ _0\"></span>ic is<span class=\"_ _0\"></span>suers:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y22a1 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y22a1 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">224<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y22a1 wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">224<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a1 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">224<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a1 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">224<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y22a2 wdd h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">local corporate<span class=\"_ _0\"></span>s</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y22a2 w54 h1d\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,610<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y22a2 wd5 h1d\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,412<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a2 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,610<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a2 wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,412<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y22a3 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- <span class=\"ls7\">foreign banks</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y22a3 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"ls6 ws8\">,475</span><span class=\"ffa\"> </span></div></td><td class=\"c x3fa y22a3 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,925<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a3 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,475<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a3 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,925<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y22a4 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Expected credit<span class=\"_ _1\"></span> loss allo<span class=\"_ _1\"></span>wances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y22a4 w54 h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(13)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y22a4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(25)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a4 w54 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(13)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a4 wd5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(25)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y22a5 w54 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y22a5 wd5 h1d\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y22a5 w54 h1d\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y22a5 wd5 h1d\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr></table>At 31 <span class=\"_ _1\"></span>Decemb<span class=\"_ _1\"></span>er 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5<span class=\"ls8 ws53\">, the Bank held Mal<span class=\"_ _0\"></span>ta Governm<span class=\"_ _0\"></span>ent Stocks me<span class=\"_ _0\"></span>asured at FVO<span class=\"_ _0\"></span>CI with a carryi<span class=\"_ _0\"></span>ng amount<span class=\"_ _0\"></span> </span></span>of <span class=\"ls6 ws8\">\u20ac7,620,000<span class=\"ls1 ws1\"> </span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws143\">: \u20ac</span></span>7,956,<span class=\"_ _1\"></span>000</span><span class=\"ws45\">) pled<span class=\"_ _1\"></span>ged wi<span class=\"_ _1\"></span>th th<span class=\"_ _1\"></span>e Centr<span class=\"_ _1\"></span>al Ba<span class=\"_ _1\"></span>nk of M<span class=\"_ _1\"></span>alta,<span class=\"_ _1\"></span> in terms<span class=\"_ _1\"></span> of Dir<span class=\"_ _1\"></span>ectiv<span class=\"_ _1\"></span>e No. 8<span class=\"ls1 ws1\"> </span>of the<span class=\"_ _1\"></span> </span>Central Bank of<span class=\"_ _0\"></span> Malta Act<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"ls6 ws34\">(Ca<span class=\"_ _1\"></span>p. 204</span>) <span class=\"_ _14\"></span><span class=\"ls8 ws33\">as security f<span class=\"_ _0\"></span>or a facility t<span class=\"_ _0\"></span>hat was not uti<span class=\"_ _0\"></span>lised dur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he repor<span class=\"_ _0\"></span>ting </span></span>periods. <span class=\"ls1 ws1\"> </span>The de<span class=\"_ _0\"></span>bt securi<span class=\"_ _0\"></span>ties he<span class=\"_ _0\"></span>ld by the G<span class=\"_ _0\"></span>roup are<span class=\"_ _0\"></span> listed o<span class=\"_ _0\"></span>n the Malt<span class=\"_ _0\"></span>a Stock Ex<span class=\"_ _0\"></span>change o<span class=\"_ _0\"></span>r<span class=\"ls1 ws1\"> </span>on other r<span class=\"_ _0\"></span>ecogni<span class=\"_ _0\"></span>sed exchan<span class=\"_ _1\"></span>ges. <span class=\"ls1 ws1\"> </span>The movem<span class=\"_ _1\"></span>ent in<span class=\"_ _1\"></span> debt<span class=\"_ _1\"></span> and other fixed<span class=\"_ _1\"></span> income fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> FVOCI is<span class=\"_ _1\"></span> summaris<span class=\"_ _1\"></span>ed as follows<span class=\"_ _1\"></span>:<table class=\"s w23c h1f3\" id=\"_777dac11-1855-49ca-8316-1f2b9212c24f\"><tr><td></td><td></td><td class=\"c x3fe y22a6 wc8 h18\"><div class=\"t m0 xea h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y22a6 wc8 h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22a7 w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22a7 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22a7 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y22a7 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22a8 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22a8 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22a8 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y22a8 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22a9 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22a9 w54 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22a9 wd5 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">199,965<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22a9 w54 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">176,695<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22a9 wd5 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">197,700<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22aa w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws4e\">Amortisation<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22aa w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(792)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22aa wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(883)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22aa w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(790)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22aa wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(881)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ab w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Redempti<span class=\"_ _0\"></span>ons/disposal<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22ab w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">9,943</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x400 y22ab wd5 h17\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(29,642)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ab w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">9,844</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x401 y22ab wd5 h17\"><div class=\"t m0 xdb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(29,423)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ac w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Fair v<span class=\"_ _1\"></span>alue mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22ac w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,235<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22ac wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,946<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ac w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,257<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22ac wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,858<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ad w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Foreign<span class=\"_ _1\"></span> exch<span class=\"_ _1\"></span>ange di<span class=\"_ _1\"></span>fferenc<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22ad w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(363)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22ad wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">442<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ad w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(363)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22ad wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">442<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ae w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">At 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22ae w54 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">170,9<span class=\"ls1 ws1\">65</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x400 y22ae wd5 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178,828<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ae w54 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16<span class=\"ls1 ws1\">8<span class=\"ls18 ws74\">,955</span></span><span class=\"ls1 ws1\"><span class=\"ls18 ws74\"><span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></span></div></td><td class=\"c x401 y22ae wd5 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">176,696<span class=\"ls1 ws1\"> </span></div></td></tr></table>The move<span class=\"_ _1\"></span>ment in<span class=\"_ _1\"></span> debt<span class=\"_ _1\"></span> and o<span class=\"_ _1\"></span>ther fixed<span class=\"_ _1\"></span> inco<span class=\"_ _1\"></span>me fina<span class=\"_ _1\"></span>ncia<span class=\"_ _1\"></span>l inves<span class=\"_ _1\"></span>tment<span class=\"_ _1\"></span>s measu<span class=\"_ _1\"></span>red at<span class=\"_ _1\"></span> amortis<span class=\"_ _1\"></span>ed cos<span class=\"_ _1\"></span>t is summa<span class=\"_ _1\"></span>rised a<span class=\"_ _1\"></span>s follo<span class=\"_ _1\"></span>ws:<span class=\"ls1 ws1\"> </span><table class=\"s w23d h1f4\" id=\"_946d57c0-4ec0-4230-80b2-5255ec1b83b8\"><tr><td></td><td></td><td class=\"c x403 y22af w14e h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">                    <span class=\"_ _0\"></span><span class=\"ls20 ws4e\">Group a<span class=\"_ _0\"></span>nd Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x404 y22b0 w150 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b0 wd4 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x404 y22b1 w150 h17\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b1 wd4 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b2 w14f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x404 y22b2 w150 h18\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b2 wd4 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,285<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b3 w14f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Acquisiti<span class=\"_ _1\"></span>ons<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b3 w150 h18\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">13,596<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b3 wd4 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,542<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b4 w14f h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws4e\">Amortisation<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b4 w150 h17\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b4 wd4 h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b5 w14f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Foreign<span class=\"_ _1\"></span> exch<span class=\"_ _1\"></span>ange di<span class=\"_ _1\"></span>fferenc<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b5 w150 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(</span><span class=\"ls6 ws8\">84</span>8)<span class=\"ffa\"> </span></div></td><td class=\"c x405 y22b5 wd4 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">221<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b6 w14f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Expected credit<span class=\"_ _1\"></span> loss allo<span class=\"_ _1\"></span>wances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b6 w150 h18\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">12<span class=\"ffa\"> </span></div></td><td class=\"c x405 y22b6 wd4 h18\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22b7 w14f h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">At 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22b7 w150 h17\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33,890<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y22b7 wd4 h17\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">21,107<span class=\"ls1 ws1\"> </span></div></td></tr></table>The move<span class=\"_ _1\"></span>ment in<span class=\"_ _1\"></span> equit<span class=\"_ _1\"></span>y fina<span class=\"_ _1\"></span>ncial i<span class=\"_ _1\"></span>nves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> design<span class=\"_ _1\"></span>ated a<span class=\"_ _1\"></span>t FVOCI is<span class=\"_ _1\"></span> summa<span class=\"_ _1\"></span>rised<span class=\"_ _1\"></span> as foll<span class=\"_ _1\"></span>ows<span class=\"_ _1\"></span>:<table class=\"s w23e h1f5\" id=\"_5870c67e-7682-4a47-9e78-42b42e3e62d1\"><tr><td></td><td></td><td class=\"c x403 y22b8 w152 h76\"><div class=\"t m0 xb5 h9 y827 ff3 fs1 fc0 sc0 ls1 ws9\">             <span class=\"ls20 ws4e\">Gr<span class=\"_ _0\"></span>oup an<span class=\"_ _0\"></span>d Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x404 y22b9 w53 h77\"><div class=\"t m0 xd4 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22b9 wd5 h77\"><div class=\"t m0 xd4 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x404 y22ba w53 h76\"><div class=\"t m0 x80 h9 y827 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y22ba wd5 h76\"><div class=\"t m0 x80 h3 y827 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22bb w14f h78\"><div class=\"t m0 xd h3 y827 ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x404 y22bb w53 h78\"><div class=\"t m0 x80 h9 y827 ff3 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y22bb wd5 h78\"><div class=\"t m0 x80 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">8,520<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22bc w14f h77\"><div class=\"t m0 xd h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">Acquisiti<span class=\"_ _1\"></span>ons<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22bc w53 h77\"><div class=\"t m0 x10b h15 y829 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y22bc wd5 h77\"><div class=\"t m0 xb5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">88<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22bd w14f h76\"><div class=\"t m0 xd h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">Dispos<span class=\"_ _1\"></span>als<span class=\"_ _bc\"> </span></div></td><td class=\"c x404 y22bd w53 h76\"><div class=\"t m0 x10b h9 y827 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y22bd wd5 h76\"><div class=\"t m0 x113 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">(416)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22be w14f h77\"><div class=\"t m0 xd h3 y829 ff1 fs1 fc0 sc0 ls5 ws6\">Fair v<span class=\"_ _1\"></span>alue mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22be w53 h77\"><div class=\"t m0 x22 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">257<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22be wd5 h77\"><div class=\"t m0 xe5 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">(74)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22bf w14f h76\"><div class=\"t m0 xd h3 y827 ff1 fs1 fc0 sc0 ls5 ws6\">Foreign<span class=\"_ _1\"></span> exch<span class=\"_ _1\"></span>ange di<span class=\"_ _1\"></span>fferenc<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22bf w53 h76\"><div class=\"t m0 x113 h15 y827 ff3 fs1 fc0 sc0 ls6 ws8\">(151)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22bf wd5 h76\"><div class=\"t m0 xb5 h3 y827 ff1 fs1 fc0 sc0 ls6 ws8\">57<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22c0 w14f h77\"><div class=\"t m0 xd h3 y829 ff1 fs1 fc0 sc0 ls5 ws6\">At 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y22c0 w53 h77\"><div class=\"t m0 x80 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">8,281<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22c0 wd5 h77\"><div class=\"t m0 x80 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">8,175<span class=\"ls1 ws1\"> </span></div></td></tr></table>Equity instr<span class=\"_ _0\"></span>uments m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI consist o<span class=\"_ _0\"></span>f equit<span class=\"_ _0\"></span>ies liste<span class=\"_ _0\"></span>d on the M<span class=\"_ _0\"></span>alta Stoc<span class=\"_ _0\"></span>k Excha<span class=\"_ _0\"></span>nge.<span class=\"ls1 ws1\"> </span>During <span class=\"_ _14\"></span>2024<span class=\"ls8 ws3a\">, the Bank dis<span class=\"_ _0\"></span>pose<span class=\"_ _0\"></span>d of its e<span class=\"_ _0\"></span>quity i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span> Tigne<span class=\"_ _0\"></span> Mall pl<span class=\"_ _0\"></span>c as a r<span class=\"_ _0\"></span>esult <span class=\"_ _0\"></span>of <span class=\"_ _0\"></span>the squee<span class=\"_ _0\"></span>ze<span class=\"ls1 ws1\">-<span class=\"ls9 wsa\">out </span></span></span>process ini<span class=\"_ _0\"></span>tiated by t<span class=\"_ _0\"></span>he maj<span class=\"_ _0\"></span>or shareholder<span class=\"_ _0\"></span> of Tigne Ma<span class=\"_ _0\"></span>ll plc. The <span class=\"ls6 ws8\">sold <span class=\"_ _1\"></span><span class=\"ws1c\">shares<span class=\"_ _1\"></span> had a fair v<span class=\"_ _1\"></span>alue of <span class=\"_ _1\"></span>\u20ac416,000, </span></span>and th<span class=\"_ _1\"></span>e Bank realised a ga<span class=\"_ _1\"></span>in of<span class=\"_ _1\"></span> \u20ac216,000 whi<span class=\"_ _1\"></span>ch ha<span class=\"ls1 ws1\">d <span class=\"_ _0\"></span><span class=\"ls8 ws18\">alre<span class=\"_ _0\"></span>ady been <span class=\"ls5 ws7\">reflected<span class=\"_ _1\"></span> <span class=\"_ _11\"></span><span class=\"ws3f\">in<span class=\"_ _1\"></span> Oth<span class=\"_ _1\"></span>er Comp<span class=\"_ _1\"></span>reh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e Income.<span class=\"_ _1\"></span> <span class=\"_ _13\"></span><span class=\"ls1 ws1\"> </span></span></span></span></span>The dis<span class=\"_ _1\"></span>closu<span class=\"_ _1\"></span>re requ<span class=\"_ _1\"></span>iremen<span class=\"_ _1\"></span>ts eman<span class=\"_ _1\"></span>ating<span class=\"_ _1\"></span> from IF<span class=\"_ _1\"></span>RS 13 in res<span class=\"_ _1\"></span>p<span class=\"_ _1\"></span>ect of equ<span class=\"_ _1\"></span>ity in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>ts d<span class=\"_ _1\"></span>esigna<span class=\"_ _1\"></span>ted at<span class=\"_ _1\"></span> FVOCI were not de<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ed nece<span class=\"_ _0\"></span>ssary by the di<span class=\"_ _0\"></span>rect<span class=\"_ _0\"></span>ors taki<span class=\"_ _0\"></span>ng cogni<span class=\"_ _0\"></span>sance<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> insignif<span class=\"_ _0\"></span>icanc<span class=\"_ _0\"></span>e of the<span class=\"_ _0\"></span> carryi<span class=\"_ _0\"></span>ng amount<span class=\"_ _0\"></span> of thes<span class=\"_ _1\"></span>e equit<span class=\"_ _1\"></span>y inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> in the con<span class=\"_ _1\"></span>text of <span class=\"ls6 ws1f\">the stat<span class=\"_ _1\"></span>ement of financi<span class=\"_ _1\"></span>al position as at 31 December 202<span class=\"ls1 ws1\">5 </span></span>and 202<span class=\"ls1 ws1\">4<span class=\"_ _bc\"> </span></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-22": {
   "value": "<table class=\"s w23f h1f6\" id=\"_03c4b1d0-1e38-4f63-9ca7-856a7deab592\"><tr><td class=\"t m0 x297 h5 y22c1 ff3 fs0 fc0 sc0 ls3 ws114\">7.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Loans and adva<span class=\"_ _0\"></span>nces t<span class=\"_ _0\"></span>o bank<span class=\"_ _0\"></span>s</span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x406 y22c2 wc8 hdd\"><div class=\"t m0 xea h15 yf2d ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x407 y22c2 wc8 hdd\"><div class=\"t m0 xce h9 yf2d ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y22c3 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c3 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c3 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c3 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y22c4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c5 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Repayable on call and at sh<span class=\"_ _0\"></span>ort notice<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x406 y22c5 w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">20,99<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x408 y22c5 wd5 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">18,955<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c5 w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16,010<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c5 wd5 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16,230<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c6 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Term loans and advances<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x406 y22c6 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">41,429<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c6 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">27,243<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c6 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">39,929<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c6 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,743<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c7 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Gross loans and advances to b<span class=\"_ _0\"></span>anks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x406 y22c7 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">62,42<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x408 y22c7 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">46,198<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c7 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">55,939<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c7 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">40,973<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c8 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y22c8 w54 h17\"><div class=\"t m0 x27 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c8 wd5 h17\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c8 w54 h17\"><div class=\"t m0 x27 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c8 wd5 h17\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y22c9 w99 hbc\"><div class=\"t m0 xd h3 yf2d ff1 fs1 fc0 sc0 ls8 wsa\">Net loans and <span class=\"_ _0\"></span>advance<span class=\"_ _0\"></span>s to ba<span class=\"_ _0\"></span>nks<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y22c9 w54 hbc\"><div class=\"t m0 x33 h15 yf2d ff3 fs1 fc0 sc0 ls6 ws8\">62,423<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y22c9 wd5 hbc\"><div class=\"t m0 x33 h3 yf2d ff1 fs1 fc0 sc0 ls6 ws8\">46,189<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y22c9 w54 hbc\"><div class=\"t m0 x33 h15 yf2d ff3 fs1 fc0 sc0 ls6 ws8\">55,936<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y22c9 wd5 hbc\"><div class=\"t m0 x33 h3 yf2d ff1 fs1 fc0 sc0 ls6 ws8\">40,964<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-458": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws114 gs74b\">8.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Loans and adva<span class=\"_ _0\"></span>nces t<span class=\"_ _0\"></span>o custom<span class=\"_ _0\"></span>ers<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs781\">Assets acqui<span class=\"_ _0\"></span>red in se<span class=\"_ _0\"></span>ttleme<span class=\"_ _0\"></span>nt of debt amounting<span class=\"_ _0\"></span> to<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span>\u20ac<span class=\"ls6 ws8\">703,000</span> <span class=\"_ _14\"> </span><span class=\"ls6 ws8\">(<span class=\"_ _1\"></span>202</span>4<span class=\"ls6 ws34\">: \u20ac703,000<span class=\"_ _1\"></span>) are pr<span class=\"_ _1\"></span>esented a<span class=\"_ _1\"></span>s assets </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs782\">classified a<span class=\"_ _1\"></span>s held for sa<span class=\"_ _1\"></span>le.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-23": {
   "value": "8.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Loans and adva<span class=\"_ _0\"></span>nces t<span class=\"_ _0\"></span>o custom<span class=\"_ _0\"></span>ers<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span><table class=\"s w240 h1f7\" id=\"_c33f36c6-7db2-4593-b852-d874c097a1a7\"><tr><td></td><td></td><td class=\"c x3fe y22ca wc8 h18\"><div class=\"t m0 xea h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y22ca wc8 h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22cb w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22cb wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cb w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22cb wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22cc w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x400 y22cc wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cc w54 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y22cc wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22cd w99 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Repayable on call and at sh<span class=\"_ _0\"></span>ort notice<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22cd w54 h1d\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">120,297<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22cd wd5 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">114,456<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cd w54 h1d\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">120,306<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22cd wd5 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">114,464<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22ce w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Term loans and advances<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22ce w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">816,170<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22ce wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">766,646<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22ce w54 h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">816,170<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22ce wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">766,646<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22cf w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Gross loans and advances to c<span class=\"_ _0\"></span>ustomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3fe y22cf w54 h18\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">936,467<span class=\"_ _bc\"> </span></div></td><td class=\"c x400 y22cf wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">881,102<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22cf w54 h18\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">936,476<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y22cf wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">881,110<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d0 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d0 w54 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(7,356)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d0 wd5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(8,420)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d0 w54 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">7,356</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x401 y22d0 wd5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(8,420)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d1 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Net loans and <span class=\"_ _0\"></span>advance<span class=\"_ _0\"></span>s to cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d1 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">929,111<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d1 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">872,682<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d1 w54 h17\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">929,120<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d1 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">872,690<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d2 w99 h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls18 ws7f\">Cre<span class=\"_ _1\"></span>dit loss<span class=\"_ _1\"></span> allowan<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y22d3 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 1 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d3 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">678<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d3 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">979<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d3 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">678<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d3 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">979<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d4 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 2 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d4 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">754<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d4 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">754<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">446<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22d5 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Stage 3 <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y22d5 w54 h18\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ls6 ws8\">,924</span><span class=\"ffa\"> </span></div></td><td class=\"c x400 y22d5 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,995<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d5 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,924<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d5 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,995<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y22d6 w54 h17\"><div class=\"t m0 x1d h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,356<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y22d6 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,420<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y22d6 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,356<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y22d6 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,420<span class=\"ls1 ws1\"> </span></div></td></tr></table>Assets acqui<span class=\"_ _0\"></span>red in se<span class=\"_ _0\"></span>ttleme<span class=\"_ _0\"></span>nt of debt amounting<span class=\"_ _0\"></span> to<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span>\u20ac<span class=\"ls6 ws8\">703,000</span> <span class=\"_ _14\"> </span><span class=\"ls6 ws8\">(<span class=\"_ _1\"></span>202</span>4<span class=\"ls6 ws34\">: \u20ac703,000<span class=\"_ _1\"></span>) are pr<span class=\"_ _1\"></span>esented a<span class=\"_ _1\"></span>s assets </span></span>classified a<span class=\"_ _1\"></span>s held for sa<span class=\"_ _1\"></span>le.<span class=\"_ _bc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-484": {
   "value": "8.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Loans and adva<span class=\"_ _0\"></span>nces t<span class=\"_ _0\"></span>o custom<span class=\"_ _0\"></span>ers<span class=\"_ _bc\"> </span></span>Assets acqui<span class=\"_ _0\"></span>red in se<span class=\"_ _0\"></span>ttleme<span class=\"_ _0\"></span>nt of debt amounting<span class=\"_ _0\"></span> to<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span>\u20ac<span class=\"ls6 ws8\">703,000</span> <span class=\"_ _14\"> </span><span class=\"ls6 ws8\">(<span class=\"_ _1\"></span>202</span>4<span class=\"ls6 ws34\">: \u20ac703,000<span class=\"_ _1\"></span>) are pr<span class=\"_ _1\"></span>esented a<span class=\"_ _1\"></span>s assets </span></span>classified a<span class=\"_ _1\"></span>s held for sa<span class=\"_ _1\"></span>le.<span class=\"_ _bc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-459": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs784\">9.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Investments in s<span class=\"_ _0\"></span>ubsi<span class=\"_ _0\"></span>diaries<span class=\"_ _0\"></span> <span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"gsb6\"><table class=\"s w241 h1f8\" id=\"_d24bfd6e-1648-4afb-b9d1-2a33526b7ec6\"><tr><td></td><td class=\"c x40b y22d7 w154 h2f\"><div class=\"t m0 x7e h9 y3bc ff3 fs1 fc0 sc0 ls20 ws4e\">Country of<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y22d7 w153 h2f\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Name of co<span class=\"_ _0\"></span>mpany<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40b y22d7 w154 h2f\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">incorporat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40c y22d7 w155 h2f\"><div class=\"t m0 x9c h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Nature of<span class=\"_ _0\"></span> busines<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x403 y22d7 w156 h2f\"><div class=\"t m0 xe2 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Equity<span class=\"_ _0\"></span> interes<span class=\"_ _0\"></span>t<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x40d y22d7 w157 h2f\"><div class=\"t m0 x10 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Carryi<span class=\"_ _0\"></span>ng amo<span class=\"_ _0\"></span>unt<span class=\"ff1 ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x403 y22d8 w158 h18\"><div class=\"t m0 x7e h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x40e y22d8 w159 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x40d y22d8 w114 h18\"><div class=\"t m0 xf3 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x40f y22d8 w159 h18\"><div class=\"t m0 x107 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x403 y22d9 w158 h18\"><div class=\"t m0 xcb h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">%<span class=\"ffb\"> </span></div></td><td class=\"c x40e y22d9 w159 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">%<span class=\"ffb\"> </span></div></td><td class=\"c x40d y22d9 w114 h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40f y22d9 w159 h18\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22da w153 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Redbo<span class=\"_ _1\"></span>x Limited<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40b y22da w154 h1d\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40c y22da w155 h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Holding c<span class=\"_ _0\"></span>ompany <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x403 y22da w158 h1d\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">100<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y22da w159 h1d\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">100<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40d y22da w114 h1d\"><div class=\"t m0 xe2 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">17,926<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40f y22da w159 h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">17,926<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22db w153 h31\"><div class=\"t m0 xd h3 y1834 ff1 fs1 fc0 sc0 ls6 ws7\">Lombard Sele<span class=\"_ _1\"></span>ct SICAV p.l.c.<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"t m0 x410 h3 y22dc ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x40c y22db w155 h31\"><div class=\"t m0 x10 h3 y3a3 ff1 fs1 fc0 sc0 ls5 ws6\">Collect<span class=\"_ _1\"></span>ive Inv<span class=\"_ _1\"></span>estm<span class=\"_ _1\"></span>ent </div></td><td class=\"t m0 x411 h9 y22dc ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></td><td class=\"t m0 x412 h3 y22dc ff1 fs1 fc0 sc0 ls6 ws8\">100<span class=\"_ _bc\"> </span></td><td class=\"c n x413 y22de w242 h1f9\"><div class=\"t m0 x26e h15 y22dd ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c n x414 y22de w243 h1f9\"><div class=\"t m0 x26e h15 y22dd ff1 fs1 fc0 sc0 ls1 ws1\">1<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x40c y22db w155 h31\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Schem<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs787\">The reg<span class=\"_ _1\"></span>istered<span class=\"_ _1\"></span> office o<span class=\"_ _1\"></span>f th<span class=\"_ _1\"></span>ese enti<span class=\"_ _1\"></span>ties is<span class=\"_ _1\"></span> situ<span class=\"_ _1\"></span>ated a<span class=\"_ _1\"></span>t <span class=\"ls6 ws7\">67, Republic Street, Vall<span class=\"_ _1\"></span>etta, Malta<span class=\"_ _1\"></span>.<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs788\">At 31 December 202<span class=\"_ _1\"></span><span class=\"ls1 ws1\">5 </span>and 2024<span class=\"ls8 ws15\">, Redbox Lim<span class=\"_ _0\"></span>ited held <span class=\"ls6 ws8\">73.0%<span class=\"ls1 ws1\"> </span></span>of<span class=\"_ _0\"></span> the e<span class=\"_ _0\"></span>quity share c<span class=\"_ _0\"></span>apital and vo<span class=\"_ _0\"></span>ting rig<span class=\"_ _0\"></span>hts of<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs789\">MaltaPost<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">p.l.c.,<span class=\"_ _0\"></span> a listed c<span class=\"_ _0\"></span>ompany inc<span class=\"_ _0\"></span>orporate<span class=\"_ _0\"></span>d and ope<span class=\"_ _0\"></span>rating i<span class=\"_ _0\"></span>n Malta, c<span class=\"_ _0\"></span>omprisi<span class=\"_ _0\"></span>ng the G<span class=\"_ _0\"></span>roup\u2019s postal<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs78a\">servi<span class=\"_ _1\"></span>ces repo<span class=\"_ _1\"></span>rtab<span class=\"_ _1\"></span>le segmen<span class=\"_ _1\"></span>t (s<span class=\"_ _1\"></span>ee note 4<span class=\"_ _1\"></span>). The r<span class=\"_ _1\"></span>emain<span class=\"_ _1\"></span>ing 27<span class=\"_ _1\"></span>.0%<span class=\"ls1 ws1\"> <span class=\"ls8 wsa\">is held by the g<span class=\"_ _0\"></span>eneral<span class=\"_ _0\"></span> public.<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff6 fs1 fc0 sc0 lsd ws74 gs78b\">Lombard S<span class=\"_ _1\"></span>elect SICAV p<span class=\"_ _1\"></span>.l.c. <span class=\"ff1 ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs78c\">During 2025, Lo<span class=\"_ _1\"></span>mbard Select SICAV p<span class=\"_ _1\"></span>.l.c.<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span>volunta<span class=\"_ _1\"></span>rily surrendered its<span class=\"_ _1\"></span> license. The Bank,<span class=\"_ _1\"></span> acting as the sole </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs78d\">shareholde<span class=\"_ _0\"></span>r of Lo<span class=\"_ _0\"></span>mbard Selec<span class=\"_ _0\"></span>t SICAV p.<span class=\"_ _0\"></span>l.c. had a<span class=\"_ _0\"></span>pproved the<span class=\"_ _0\"></span> voluntary dissol<span class=\"_ _0\"></span>ution an<span class=\"_ _0\"></span>d conse<span class=\"_ _0\"></span>quential </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws58 gs78e\">winding<span class=\"_ _0\"></span> up of the c<span class=\"_ _0\"></span>ompany. T<span class=\"_ _0\"></span>he eff<span class=\"_ _0\"></span>ects of<span class=\"_ _0\"></span> this deve<span class=\"_ _0\"></span>lopme<span class=\"_ _0\"></span>nt on the Ba<span class=\"_ _0\"></span>nk\u2019s financ<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span> stateme<span class=\"_ _0\"></span><span class=\"ls5 ws81\">nts ar<span class=\"_ _1\"></span>e </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs78f\">insignifican<span class=\"_ _1\"></span>t.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs791\">MaltaPos<span class=\"_ _1\"></span>t p.l.c. su<span class=\"_ _1\"></span>bsidiaries are shown<span class=\"_ _1\"></span> below: <span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w244 h1fa\" id=\"_8289ca28-6ed8-4127-b59a-5ee427fa9799\"><tr><td class=\"c x31e y22df w15d h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws7e\">Subsi<span class=\"_ _0\"></span>diary<span class=\"_ _0\"></span> </div></td><td class=\"c x415 y22df wa4 h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls7 ws1\">Registered offi<span class=\"_ _0\"></span>ce<span class=\"_ _bc\"> </span></div></td><td class=\"c x416 y22df w15e h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls7 ws1\">Percentage of<span class=\"ls1\"> </span></div></td><td class=\"c x417 y22df w9 h31\"><div class=\"t m0 xd h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Nature of<span class=\"_ _0\"></span> busines<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x416 y22df w15e h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">shares h<span class=\"_ _0\"></span>eld<span class=\"ffa ls1 ws1\"> </span></div></td><td></td></tr><tr><td class=\"c x31e y22e0 w15d h1f\"><div class=\"t m0 xd h3 y1a0 ff1 fs1 fc0 sc0 ls5 ws6\">Tans<span class=\"_ _1\"></span>eana Li<span class=\"_ _1\"></span>mited<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x415 y22e0 wa4 h1f\"><div class=\"t m0 xd h3 y1a0 ff1 fs1 fc0 sc0 ls6 ws7\">305, Qormi Road,<span class=\"_ _1\"></span> </div></td><td class=\"c x416 y22e0 w15e h1f\"><div class=\"t m0 xd h3 y1a0 ff1 fs1 fc0 sc0 ls6 ws7\">100% of ordin<span class=\"_ _1\"></span>ary<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x417 y22e0 w9 h1f\"><div class=\"t m0 xd h3 y1a0 ff1 fs1 fc0 sc0 ls5 ws6\">Documen<span class=\"_ _1\"></span>t mana<span class=\"_ _1\"></span>gem<span class=\"_ _1\"></span>ent<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x415 y22e0 wa4 h1f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls6 ws7\">Marsa, MTP 1001,<span class=\"_ _1\"></span> </div></td><td class=\"c x416 y22e0 w15e h1f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls5 ws7\">sha<span class=\"_ _1\"></span>res<span class=\"_ _bc\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x415 y22e0 wa4 h1f\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x31e y22e1 w15d h15b\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws7\">Ciabro Limited<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x415 y22e1 wa4 h15b\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws7\">22, Warehou<span class=\"_ _1\"></span>se il<span class=\"ls1 ws1\">-</span><span class=\"ws8\">Moll</span><span class=\"ws8\"><span class=\"ls1 ws1\"> </span></span></div></td><td class=\"c x416 y22e1 w15e h15b\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws7\">100% of ordin<span class=\"_ _1\"></span>ary<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x417 y22e1 w9 h15b\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls8 ws16\">Warehousing<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x419 y22e2 w245 h1fb\"><div class=\"t m0 x26e h3 y2270 ff1 fs1 fc0 sc0 ls9 wsa\">tal</div><div class=\"t m0 x418 h3 y2270 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ls9 wsa\">Pont,<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x416 y22e1 w15e h15b\"><div class=\"t m0 xd h3 y196 ff1 fs1 fc0 sc0 ls5 ws7\">sha<span class=\"_ _1\"></span>res<span class=\"_ _bc\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x415 y22e1 wa4 h15b\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls6 ws7\">Marsa, MRS1400,<span class=\"_ _1\"></span> </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x415 y22e1 wa4 h15b\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x31e y22e3 w15d h15c\"><div class=\"t m0 xd h3 y184e ff1 fs1 fc0 sc0 lsa ws24\">PostaInsure<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">Agen<span class=\"_ _1\"></span>cy Limited</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x415 y22e3 wa4 h15c\"><div class=\"t m0 xd h3 y184e ff1 fs1 fc0 sc0 ls6 ws7\">4, Triq l<span class=\"ls1 ws1\">-<span class=\"lsa ws24\">Ifran,</span></span><span class=\"ls1 ws1\"> </span></div></td><td class=\"c x416 y22e3 w15e h15c\"><div class=\"t m0 xd h3 y184e ff1 fs1 fc0 sc0 ls6 ws7\">49% of ordinary<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td class=\"c x417 y22e3 w9 h15c\"><div class=\"t m0 xd h3 y184e ff1 fs1 fc0 sc0 ls5 ws6\">General i<span class=\"_ _1\"></span>nsur<span class=\"_ _1\"></span>ance <span class=\"ws7\">ag<span class=\"_ _1\"></span>ent</span><span class=\"ws7\"><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x415 y22e3 wa4 h15c\"><div class=\"t m0 xd h3 y3a5 ff1 fs1 fc0 sc0 ls6 ws7\">Valletta, VLT 1<span class=\"_ _1\"></span>450,<span class=\"_ _bc\"> </span></div></td><td class=\"c x416 y22e3 w15e h15c\"><div class=\"t m0 xd h3 y3a5 ff1 fs1 fc0 sc0 lse ws2c\">shares (<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>hts to </div></td><td></td></tr><tr><td></td><td class=\"c x415 y22e3 wa4 h15c\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"_ _bc\"> </span></div></td><td class=\"c x416 y22e3 w15e h15c\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws7\">appoin<span class=\"_ _1\"></span>t 60% of </div></td><td></td></tr><tr><td></td><td></td><td class=\"c x416 y22e3 w15e h15c\"><div class=\"t m0 xd h3 y1a0 ff1 fs1 fc0 sc0 ls5 ws6\">the in<span class=\"_ _1\"></span>vestee\u2019<span class=\"_ _1\"></span>s </div></td><td></td></tr><tr><td></td><td></td><td class=\"c x416 y22e3 w15e h15c\"><div class=\"t m0 xd h3 y3bc ff1 fs1 fc0 sc0 ls7 ws1\">Board of </div></td><td></td></tr><tr><td></td><td></td><td class=\"c x416 y22e3 w15e h15c\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Directors)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td></tr><tr><td class=\"c x31e y22ae w15d h15b\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls5 ws6\">Dormax<span class=\"_ _1\"></span> Press<span class=\"_ _1\"></span> Compan<span class=\"_ _1\"></span>y Limit<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x415 y22ae wa4 h15b\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws7\">B55, Triq Gius<span class=\"_ _1\"></span>eppe </div></td><td class=\"c x416 y22ae w15e h15b\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws7\">99.99% of </div></td><td class=\"c x417 y22ae w9 h15b\"><div class=\"t m0 xd h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws7\">Printing s<span class=\"_ _1\"></span>ervices<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x415 y22ae wa4 h15b\"><div class=\"t m0 xd h3 y1a0 ff1 fs1 fc0 sc0 ls6 ws8\">Garibaldi,<span class=\"_ _bc\"> </span></div></td><td class=\"c x416 y22ae w15e h15b\"><div class=\"t m0 xd h3 y1a0 ff1 fs1 fc0 sc0 ls8 wsa\">ordinary share<span class=\"_ _0\"></span>s<span class=\"_ _bc\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x419 y22e4 w246 h1fb\"><div class=\"t m0 x26e h3 y2270 ff1 fs1 fc0 sc0 ls7 ws4e\">Qasam<span class=\"_ _bc\"> </span></div><div class=\"t m0 x41a h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">Indus<span class=\"_ _1\"></span>trijali,<span class=\"_ _bc\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x415 y22ae wa4 h15b\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Marsa, Malta<span class=\"ffb ls1\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsc gs794\">The profit or<span class=\"_ _0\"></span> loss allocated to non<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">controllin<span class=\"_ _1\"></span>g interests of <span class=\"_ _1\"></span>MaltaPos<span class=\"_ _1\"></span>t</span> <span class=\"_ _1\"></span><span class=\"ls8 ws3c\">p.l.c. duri<span class=\"_ _0\"></span>ng the f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> year unde<span class=\"_ _0\"></span>r </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws83 gs795\">review, a<span class=\"_ _1\"></span>ccu<span class=\"_ _1\"></span>mulated<span class=\"_ _1\"></span> non<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws4f\">controll<span class=\"_ _0\"></span>ing inte<span class=\"_ _0\"></span>rests of<span class=\"_ _0\"></span> the subsi<span class=\"_ _0\"></span>diary at the<span class=\"_ _0\"></span> end of t<span class=\"_ _0\"></span>he repo<span class=\"_ _0\"></span>rting pe<span class=\"_ _0\"></span>riod and<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs796\">dividends <span class=\"_ _0\"></span>paid to<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls5 ws68\">controlli<span class=\"_ _1\"></span>ng int<span class=\"_ _1\"></span>erests<span class=\"_ _1\"></span> are pres<span class=\"_ _1\"></span>ented<span class=\"_ _1\"></span> within th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s sta<span class=\"_ _1\"></span>tement of c<span class=\"_ _1\"></span>hanges<span class=\"_ _1\"></span> in </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs797\">equity. F<span class=\"_ _0\"></span>ina<span class=\"ls6 ws10\">ncial information<span class=\"_ _1\"></span> abou<span class=\"_ _1\"></span>t the assets,<span class=\"_ _1\"></span> liabilities, revenu<span class=\"_ _1\"></span>es, profit or lo<span class=\"_ _1\"></span>ss, tot<span class=\"_ _1\"></span>al comprehensive </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs798\">income<span class=\"_ _0\"></span> and cash fl<span class=\"_ _0\"></span>ows of t<span class=\"_ _0\"></span>he subsidi<span class=\"_ _0\"></span>ary ar<span class=\"_ _0\"></span>e discl<span class=\"_ _0\"></span>osed w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> annual<span class=\"_ _0\"></span> report a<span class=\"_ _0\"></span>nd fi<span class=\"_ _0\"></span>nanci<span class=\"_ _0\"></span>al statem<span class=\"_ _0\"></span>ents of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wsd gs799\">MaltaPos<span class=\"_ _1\"></span>t p.l.c., which<span class=\"_ _1\"></span> are pub<span class=\"_ _1\"></span>licly availa<span class=\"_ _1\"></span>ble in view<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span>of the co<span class=\"_ _1\"></span>mpany\u2019s l<span class=\"_ _1\"></span>isted stat<span class=\"_ _1\"></span>us. Financial in<span class=\"_ _1\"></span>formation </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs79a\">about the subsidi<span class=\"_ _0\"></span>ary is al<span class=\"_ _0\"></span>so disclose<span class=\"_ _0\"></span>d within no<span class=\"_ _0\"></span>te 4 to these<span class=\"_ _0\"></span> financ<span class=\"_ _0\"></span>ial statem<span class=\"_ _0\"></span>ents deal<span class=\"_ _0\"></span>ing with segm<span class=\"_ _0\"></span>ental </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws5e gs79b\">information. T<span class=\"_ _0\"></span>he non<span class=\"ls1 ws1\">-<span class=\"ls5 ws3f\">contro<span class=\"_ _1\"></span>llin<span class=\"_ _1\"></span>g interes<span class=\"_ _1\"></span>ts o<span class=\"_ _1\"></span>f this subs<span class=\"_ _1\"></span>idiar<span class=\"_ _1\"></span>y are not deemed<span class=\"_ _1\"></span> materia<span class=\"_ _1\"></span>l to the re<span class=\"ls6 ws2e\">p<span class=\"_ _1\"></span>orting entity </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs79c\">with res<span class=\"_ _1\"></span>pect t<span class=\"_ _1\"></span>o the <span class=\"_ _1\"></span>Bank\u2019<span class=\"_ _1\"></span>s con<span class=\"_ _1\"></span>solid<span class=\"_ _1\"></span>ated fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al sta<span class=\"_ _1\"></span>temen<span class=\"_ _1\"></span>ts for t<span class=\"_ _1\"></span>he pu<span class=\"_ _1\"></span>rpos<span class=\"_ _1\"></span>e of dis<span class=\"_ _1\"></span>closu<span class=\"_ _1\"></span>res in terms<span class=\"_ _1\"></span> of the<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs79d\">requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s of IFRS<span class=\"_ _1\"></span> 12 \u2018Dis<span class=\"_ _1\"></span>clos<span class=\"_ _1\"></span>ure of in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span>s in o<span class=\"_ _1\"></span>ther en<span class=\"_ _1\"></span>tities<span class=\"_ _1\"></span>\u2019.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs79e\">The e<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> reporti<span class=\"_ _0\"></span>ng peri<span class=\"_ _0\"></span>od of the<span class=\"_ _0\"></span> audite<span class=\"_ _0\"></span>d financ<span class=\"_ _0\"></span>ial st<span class=\"_ _0\"></span>atem<span class=\"_ _0\"></span>ents of M<span class=\"_ _0\"></span>altaPost p.l<span class=\"_ _0\"></span>.c. <span class=\"_ _0\"></span>and its a<span class=\"_ _0\"></span>ssociat<span class=\"_ _0\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws86 gs79f\">IVALIF<span class=\"_ _0\"></span>E Insurance<span class=\"_ _0\"></span> Limit<span class=\"_ _0\"></span>ed that have bee<span class=\"_ _0\"></span>n utili<span class=\"_ _0\"></span>sed in the pr<span class=\"_ _0\"></span>eparati<span class=\"_ _0\"></span>on of the<span class=\"_ _0\"></span>se consoli<span class=\"_ _0\"></span>dated f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs7a0\">stat<span class=\"_ _1\"></span>ements i<span class=\"_ _1\"></span>s 30 Sep<span class=\"_ _1\"></span>tember 202<span class=\"ls1 ws1\">5<span class=\"ls8 wsb\">, since the financ<span class=\"_ _0\"></span>ial stat<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts prepare<span class=\"_ _0\"></span>d as of<span class=\"_ _0\"></span> this d<span class=\"_ _0\"></span>ate c<span class=\"_ _0\"></span>onstitute t<span class=\"_ _0\"></span>he </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs7a1\">most r<span class=\"_ _1\"></span>ecent au<span class=\"_ _1\"></span>dited<span class=\"_ _1\"></span> fina<span class=\"_ _1\"></span>ncial s<span class=\"_ _1\"></span>tatemen<span class=\"_ _1\"></span>ts of t<span class=\"_ _1\"></span>he res<span class=\"_ _1\"></span>pecti<span class=\"_ _1\"></span>ve co<span class=\"_ _1\"></span>mpanies<span class=\"_ _1\"></span>. Th<span class=\"_ _1\"></span>e Bank h<span class=\"_ _1\"></span>as co<span class=\"_ _1\"></span>nsid<span class=\"_ _1\"></span>ered th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1d gs7a2\">utilisat<span class=\"_ _1\"></span>ion of the su<span class=\"_ _1\"></span>bsidiary<span class=\"_ _1\"></span>\u2019s financial in<span class=\"_ _1\"></span>formation as a<span class=\"_ _1\"></span>t 31 Dece<span class=\"_ _1\"></span>mber 202<span class=\"ls1 ws1\">5 <span class=\"ls7 ws26\">as impractical for the pur<span class=\"lse ws8b\">poses </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs7a3\">of preparation of i<span class=\"_ _0\"></span>ts consolidat<span class=\"ls5 ws7\">ed</span><span class=\"ls1\"> <span class=\"ls5 ws6\">finan<span class=\"_ _1\"></span>cial st<span class=\"_ _1\"></span>atement<span class=\"_ _1\"></span>s.</span> </span></div><div class=\"t m0 ha ff6 fs1 fc0 sc0 ls7 ws1 gs7a4\">Dormax Press Company L<span class=\"_ _0\"></span>imited<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs7a5\">On 17 Fe<span class=\"_ _0\"></span>bruary 20<span class=\"_ _0\"></span>25, Mal<span class=\"_ _0\"></span>taPost ent<span class=\"_ _0\"></span>ered i<span class=\"_ _0\"></span>nto a shar<span class=\"_ _0\"></span>e purc<span class=\"_ _0\"></span>hase ag<span class=\"_ _0\"></span>reeme<span class=\"_ _0\"></span>nt with<span class=\"ls1 ws1\"> </span>the<span class=\"_ _0\"></span> previ<span class=\"_ _0\"></span>ous<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">shareh<span class=\"_ _1\"></span>olders<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs7a6\">of<span class=\"ls1 ws1\"> <span class=\"_ _14\"> </span><span class=\"ls5 ws83\">Do<span class=\"_ _1\"></span>rmax<span class=\"_ _1\"></span> Press<span class=\"_ _1\"></span> Comp<span class=\"_ _1\"></span>any Li<span class=\"_ _1\"></span>mited (<span class=\"_ _1\"></span>Dormax<span class=\"_ _1\"></span><span class=\"ls6 ws61\">), a li<span class=\"_ _1\"></span>mited liab<span class=\"_ _1\"></span>ility compan<span class=\"_ _1\"></span>y registered in<span class=\"_ _1\"></span> Malta u<span class=\"_ _1\"></span>nder the<span class=\"_ _1\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs7a7\">Companies Act (Ca<span class=\"_ _1\"></span>p.386) with<span class=\"_ _1\"></span> registratio<span class=\"_ _1\"></span>n number C 27512<span class=\"ls1 ws1\">, <span class=\"ls5 ws45\">for the p<span class=\"_ _1\"></span>urcha<span class=\"_ _1\"></span>se of 99.<span class=\"_ _1\"></span>99% of the i<span class=\"_ _1\"></span>ssu<span class=\"_ _1\"></span>ed share </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs7a8\">capital for a<span class=\"_ _1\"></span> considerati<span class=\"_ _1\"></span>on of \u20ac300,000.<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws41\">The tra<span class=\"_ _1\"></span>nsfer o<span class=\"_ _1\"></span>f sha<span class=\"_ _1\"></span>res was<span class=\"_ _1\"></span> complet<span class=\"_ _1\"></span>ed on 17<span class=\"_ _1\"></span> Febru<span class=\"_ _1\"></span>ary 20<span class=\"_ _1\"></span>25, at </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs7a9\">which date MaltaPost also ob<span class=\"_ _0\"></span>tained control over<span class=\"_ _0\"></span> the company.<span class=\"_ _0\"></span><span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs7aa\">The purc<span class=\"_ _0\"></span>hase consi<span class=\"_ _0\"></span>deratio<span class=\"_ _0\"></span>n was dee<span class=\"_ _0\"></span>med equiva<span class=\"_ _0\"></span>lent to the f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> 99.99% equity ho<span class=\"_ _0\"></span>lding in<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs771\">Dormax as at acquisition date<span class=\"_ _0\"></span>.<span class=\"ls1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs7ac\">The es<span class=\"_ _1\"></span>timated<span class=\"_ _1\"></span> fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>es of i<span class=\"_ _1\"></span>den<span class=\"_ _1\"></span>tifiab<span class=\"_ _1\"></span>le ass<span class=\"_ _1\"></span>ets an<span class=\"_ _1\"></span>d liab<span class=\"_ _1\"></span>iliti<span class=\"_ _1\"></span>es of Do<span class=\"_ _1\"></span>rmax<span class=\"_ _1\"></span> as at<span class=\"_ _1\"></span> date o<span class=\"_ _1\"></span>f ac<span class=\"_ _1\"></span>quis<span class=\"_ _1\"></span>ition<span class=\"_ _1\"></span> were as </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs7ad\">follows<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"gs7af\"><table class=\"s w247 h1fc\" id=\"_64b8a67a-5b4c-48bc-a9e8-cdd70725d99c\"><tr><td></td><td class=\"c x41c y22e5 wd5 ha6\"><div class=\"t m0 x10 h9 y8d0 ff3 fs1 fc0 sc0 ls1 ws9\">          <span class=\"ls6 ws7\"></span><span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x41d y22e6 w161 ha4\"><div class=\"t m0 xd6 h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws4e\">Non<span class=\"ls1 ws1\">-<span class=\"ls8 wsa\">curre<span class=\"_ _0\"></span>nt assets (pri<span class=\"_ _0\"></span>ncipall<span class=\"_ _0\"></span>y prope<span class=\"_ _0\"></span>rty, plan<span class=\"_ _0\"></span>t and equipm<span class=\"_ _11\"></span>ent) (Note 1<span class=\"_ _0\"></span>2)</span></span><span class=\"ls1 ws1\"><span class=\"ls8 wsa\"><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x41c y22e6 wd5 ha4\"><div class=\"t m0 xd6 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">111</span> </div></td></tr><tr><td class=\"c x41d y22e7 w161 had\"><div class=\"t m0 xd6 h15 y99e ff1 fs1 fc0 sc0 ls8 wsa\">Curre<span class=\"_ _0\"></span>nt assets (pri<span class=\"_ _0\"></span>ncipall<span class=\"_ _0\"></span>y inve<span class=\"_ _0\"></span>ntory and trade<span class=\"_ _0\"></span> and othe<span class=\"_ _0\"></span>r re<span class=\"_ _0\"></span>ceivabl<span class=\"_ _0\"></span>es)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x41c y22e7 wd5 had\"><div class=\"t m0 xd6 h3 y99e ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">418</span> </div></td></tr><tr><td class=\"c x41d y22e8 w15f hac\"><div class=\"t m0 xd6 h3 y99e ff1 fs1 fc0 sc0 ls8 wsa\">Cash and cas<span class=\"_ _0\"></span>h equivale<span class=\"_ _0\"></span>nts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x41c y22e8 wd5 hac\"><div class=\"t m0 xd6 h3 y99e ff1 fs1 fc0 sc0 ls1 ws9\">   <span class=\"ls6 ws8\">21</span><span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x41d y22e9 w15f hac\"><div class=\"t m0 xd6 h3 y99e ff1 fs1 fc0 sc0 ls8 wsa\">Trade<span class=\"_ _0\"></span> and other payabl<span class=\"_ _0\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x41c y22e9 wd5 hac\"><div class=\"t m0 x10 h3 y99e ff1 fs1 fc0 sc0 ls1 ws9\">            <span class=\"ls6 ws8\">(313)</span><span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x41d y22ea w15f ha6\"><div class=\"t m0 xd6 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">I<span class=\"ls18 ws74\">den<span class=\"_ _1\"></span>tifiable<span class=\"_ _1\"></span></span> <span class=\"ls7 ws4e\">net</span> <span class=\"ls7\">assets acquired</span><span class=\"ffa\"> </span></div></td><td class=\"c x41c y22ea wd5 ha6\"><div class=\"t m0 xd6 h9 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">237</span> </div></td></tr><tr><td class=\"c x41d y22eb w15f ha4\"><div class=\"t m0 xd6 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">Goodwill (Note <span class=\"_ _1\"></span>11)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x41c y22eb wd5 ha4\"><div class=\"t m0 xd6 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws9\">   <span class=\"ls6 ws8\">63</span><span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x41d y22ec w161 hd5\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Purchas<span class=\"_ _0\"></span>e consi<span class=\"_ _0\"></span>derati<span class=\"_ _0\"></span>on<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x41c y22ec wd5 hd5\"><div class=\"t m0 xd6 h9 y8e7 ff3 fs1 fc0 sc0 ls6 ws8\">300<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-24": {
   "value": "9.<span class=\"ls1 ws1\"> <span class=\"_ _94\"> </span></span><span class=\"ws3\">Investments in s<span class=\"_ _0\"></span>ubsi<span class=\"_ _0\"></span>diaries<span class=\"_ _0\"></span> <span class=\"ff5 fs1 lsb ws2c\">(continued)<span class=\"_ _0\"></span><span class=\"ff3 fs2 ls1 ws1\"> </span></span></span>The profit or<span class=\"_ _0\"></span> loss allocated to non<span class=\"ls1 ws1\">-<span class=\"ls6 wsd\">controllin<span class=\"_ _1\"></span>g interests of <span class=\"_ _1\"></span>MaltaPos<span class=\"_ _1\"></span>t</span> <span class=\"_ _1\"></span><span class=\"ls8 ws3c\">p.l.c. duri<span class=\"_ _0\"></span>ng the f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> year unde<span class=\"_ _0\"></span>r </span></span>review, a<span class=\"_ _1\"></span>ccu<span class=\"_ _1\"></span>mulated<span class=\"_ _1\"></span> non<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls8 ws4f\">controll<span class=\"_ _0\"></span>ing inte<span class=\"_ _0\"></span>rests of<span class=\"_ _0\"></span> the subsi<span class=\"_ _0\"></span>diary at the<span class=\"_ _0\"></span> end of t<span class=\"_ _0\"></span>he repo<span class=\"_ _0\"></span>rting pe<span class=\"_ _0\"></span>riod and<span class=\"_ _0\"></span> </span></span>dividends <span class=\"_ _0\"></span>paid to<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls5 ws68\">controlli<span class=\"_ _1\"></span>ng int<span class=\"_ _1\"></span>erests<span class=\"_ _1\"></span> are pres<span class=\"_ _1\"></span>ented<span class=\"_ _1\"></span> within th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s sta<span class=\"_ _1\"></span>tement of c<span class=\"_ _1\"></span>hanges<span class=\"_ _1\"></span> in </span></span>equity. F<span class=\"_ _0\"></span>ina<span class=\"ls6 ws10\">ncial information<span class=\"_ _1\"></span> abou<span class=\"_ _1\"></span>t the assets,<span class=\"_ _1\"></span> liabilities, revenu<span class=\"_ _1\"></span>es, profit or lo<span class=\"_ _1\"></span>ss, tot<span class=\"_ _1\"></span>al comprehensive </span>income<span class=\"_ _0\"></span> and cash fl<span class=\"_ _0\"></span>ows of t<span class=\"_ _0\"></span>he subsidi<span class=\"_ _0\"></span>ary ar<span class=\"_ _0\"></span>e discl<span class=\"_ _0\"></span>osed w<span class=\"_ _0\"></span>ithin the<span class=\"_ _0\"></span> annual<span class=\"_ _0\"></span> report a<span class=\"_ _0\"></span>nd fi<span class=\"_ _0\"></span>nanci<span class=\"_ _0\"></span>al statem<span class=\"_ _0\"></span>ents of<span class=\"_ _0\"></span> MaltaPos<span class=\"_ _1\"></span>t p.l.c., which<span class=\"_ _1\"></span> are pub<span class=\"_ _1\"></span>licly availa<span class=\"_ _1\"></span>ble in view<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span>of the co<span class=\"_ _1\"></span>mpany\u2019s l<span class=\"_ _1\"></span>isted stat<span class=\"_ _1\"></span>us. Financial in<span class=\"_ _1\"></span>formation about the subsidi<span class=\"_ _0\"></span>ary is al<span class=\"_ _0\"></span>so disclose<span class=\"_ _0\"></span>d within no<span class=\"_ _0\"></span>te 4 to these<span class=\"_ _0\"></span> financ<span class=\"_ _0\"></span>ial statem<span class=\"_ _0\"></span>ents deal<span class=\"_ _0\"></span>ing with segm<span class=\"_ _0\"></span>ental information. T<span class=\"_ _0\"></span>he non<span class=\"ls1 ws1\">-<span class=\"ls5 ws3f\">contro<span class=\"_ _1\"></span>llin<span class=\"_ _1\"></span>g interes<span class=\"_ _1\"></span>ts o<span class=\"_ _1\"></span>f this subs<span class=\"_ _1\"></span>idiar<span class=\"_ _1\"></span>y are not deemed<span class=\"_ _1\"></span> materia<span class=\"_ _1\"></span>l to the re<span class=\"ls6 ws2e\">p<span class=\"_ _1\"></span>orting entity </span></span></span>with res<span class=\"_ _1\"></span>pect t<span class=\"_ _1\"></span>o the <span class=\"_ _1\"></span>Bank\u2019<span class=\"_ _1\"></span>s con<span class=\"_ _1\"></span>solid<span class=\"_ _1\"></span>ated fi<span class=\"_ _1\"></span>nanci<span class=\"_ _1\"></span>al sta<span class=\"_ _1\"></span>temen<span class=\"_ _1\"></span>ts for t<span class=\"_ _1\"></span>he pu<span class=\"_ _1\"></span>rpos<span class=\"_ _1\"></span>e of dis<span class=\"_ _1\"></span>closu<span class=\"_ _1\"></span>res in terms<span class=\"_ _1\"></span> of the<span class=\"_ _1\"></span> requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s of IFRS<span class=\"_ _1\"></span> 12 \u2018Dis<span class=\"_ _1\"></span>clos<span class=\"_ _1\"></span>ure of in<span class=\"_ _1\"></span>terest<span class=\"_ _1\"></span>s in o<span class=\"_ _1\"></span>ther en<span class=\"_ _1\"></span>tities<span class=\"_ _1\"></span>\u2019.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-460": {
   "value": "<div class=\"gs7b1\"><table class=\"s w248 h1fd\" id=\"_484ab3cd-d15d-4c15-a17e-a3126565cb5f\"><tr><td class=\"t m0 x41f h4 y22ed ff3 fs0 fc0 sc0 ls3 ws114\">10.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Inves<span class=\"_ _0\"></span>tments i<span class=\"_ _0\"></span>n assoc<span class=\"_ _0\"></span>iates</span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x420 y22ee wc8 h17\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x421 y22ee wc8 h17\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x420 y22ef w54 h113\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22ef wd5 h113\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22ef w54 h113\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x423 y22ef wd5 h113\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x420 y22f0 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22f0 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f0 w54 h1d\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x423 y22f0 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x424 y22f1 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x420 y22f1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,250<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22f1 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,292<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x423 y22f1 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x424 y22f2 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f2 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22f2 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f2 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x423 y22f2 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22f3 wfd h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Share o<span class=\"_ _1\"></span>f resul<span class=\"_ _1\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f3 w54 h17\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,306<span class=\"_ _bc\"> </span></div></td><td class=\"c x422 y22f3 wd5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(42)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f3 w54 h17\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x423 y22f3 wd5 h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22f4 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Dividend r<span class=\"_ _1\"></span>eceived<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f4 w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">2,700</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x422 y22f4 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x421 y22f4 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x423 y22f4 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22f5 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Reduction in<span class=\"_ _1\"></span> share cap<span class=\"_ _1\"></span>ital<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f5 w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,14<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x422 y22f5 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x421 y22f5 w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,14<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x423 y22f5 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22f6 wfd h96\"><div class=\"t m0 xd h3 y187a ff1 fs1 fc0 sc0 ls6 ws7\">At 31 <span class=\"ls5\">Decemb<span class=\"_ _1\"></span>er</span><span class=\"ls5\"><span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></span></div></td><td class=\"c x420 y22f6 w54 h96\"><div class=\"t m0 x35 h15 y187a ff3 fs1 fc0 sc0 ls6 ws8\">4,714<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22f6 wd5 h96\"><div class=\"t m0 x35 h3 y187a ff1 fs1 fc0 sc0 ls6 ws8\">4,250<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f6 w54 h96\"><div class=\"t m0 xd8 h15 y187a ff3 fs1 fc0 sc0 ls6 ws8\">503<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x423 y22f6 wd5 h96\"><div class=\"t m0 x35 h3 y187a ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x424 y22f7 wfd h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December<span class=\"ffb ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x424 y22f8 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f8 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,37<span class=\"ls1 ws1\">8<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x422 y22f8 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ls6 ws8\">,520</span><span class=\"ffb\"> </span></div></td><td class=\"c x421 y22f8 w54 h18\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">503<span class=\"_ _bc\"> </span></div></td><td class=\"c x423 y22f8 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x424 y22f9 wfd h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Share o<span class=\"_ _1\"></span>f re<span class=\"ws7\">serv<span class=\"_ _1\"></span>es</span><span class=\"ws7\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x420 y22f9 w54 h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">664)</span><span class=\"ffa\"> </span></div></td><td class=\"c x422 y22f9 wd5 h17\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">1,270</span>)<span class=\"ffb\"> </span></div></td><td class=\"c x421 y22f9 w54 h17\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x423 y22f9 wd5 h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22fa wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Carrying<span class=\"_ _0\"></span> amount<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22fa w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,714<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22fa wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,250<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22fa w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">503<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x423 y22fa wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs7b3\">The Grou<span class=\"_ _1\"></span>p's as<span class=\"_ _1\"></span>soci<span class=\"_ _1\"></span>ates a<span class=\"_ _1\"></span>t 31 Dece<span class=\"_ _1\"></span>mber 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">and 202</span>4 </span>ar<span class=\"_ _1\"></span>e sh<span class=\"_ _1\"></span>own bel<span class=\"_ _1\"></span>ow:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w249 h1fe\" id=\"_7d93e5d3-2d58-45df-8676-da5a31dfbacc\"><tr><td></td><td class=\"c x425 y22fb w163 h31\"><div class=\"t m0 xdb h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Country of<span class=\"_ _0\"></span> </div></td><td class=\"c x426 y22fb w164 h31\"><div class=\"t m0 x35 h9 y3a3 ff3 fs1 fc0 sc0 ls7 ws1\">Nature of </div></td><td></td><td></td><td></td><td class=\"c x427 y22fb w166 h31\"><div class=\"t m0 xd8 h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y22fb w162 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Name of co<span class=\"_ _0\"></span>mpany<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x425 y22fb w163 h31\"><div class=\"t m0 x84 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">incorporat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x426 y22fb w164 h31\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">busines<span class=\"_ _0\"></span>s<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x428 y22fb w165 h31\"><div class=\"t m0 xd4 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Equity<span class=\"_ _0\"></span> interes<span class=\"_ _0\"></span>t<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td class=\"c x427 y22fb w166 h31\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">carryi<span class=\"_ _0\"></span>ng amount<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x428 y22fc wdc h152\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x429 y22fc wdc h152\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x427 y22fc w167 h152\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x42a y22fc w168 h152\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x428 y22fd wdc h152\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">%<span class=\"ffa\"> </span></div></td><td class=\"c x429 y22fd wdc h152\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">%<span class=\"ffb\"> </span></div></td><td class=\"c x427 y22fd w167 h152\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42a y22fd w168 h152\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y22fe w162 h31\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls7 ws1\">Gozo Hotels     </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x31e y22fe w162 h31\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Compan<span class=\"_ _1\"></span>y Limit<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td class=\"c x42c y22ff w24a h1fb\"><div class=\"t m0 x26e h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"_ _bc\"> </span></div><div class=\"t m0 x42b h3 y2270 ff1 fs1 fc0 sc0 ls7 ws4e\">Accommodation<span class=\"_ _bc\"> </span></div></td><td class=\"c x428 y22fe wdc h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33.3<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x429 y22fe wdc h31\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">33.3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x427 y22fe w167 h31\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">745<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42a y22fe w168 h31\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,475<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y2300 w162 h2f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 lsa ws44\">IVALIFE Insurance </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x31e y2300 w162 h2f\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Limited<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x425 y2300 w163 h2f\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x426 y2300 w164 h2f\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Insurance<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x428 y2300 wdc h2f\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">25.0<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x429 y2300 wdc h2f\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">25.0<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x427 y2300 w167 h2f\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,969<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42a y2300 w168 h2f\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,775<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws4e gs7b6\">MaltaPost<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">p.l.c. c<span class=\"_ _0\"></span>ontrols 25<span class=\"_ _0\"></span>% of the sha<span class=\"_ _0\"></span>re capi<span class=\"_ _0\"></span>tal (and holds an equi<span class=\"_ _0\"></span>valent am<span class=\"_ _0\"></span>ount of vot<span class=\"_ _0\"></span>ing rig<span class=\"_ _0\"></span>hts) of </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs7b7\">IVALIF<span class=\"_ _0\"></span>E Insurance<span class=\"_ _0\"></span> Limit<span class=\"_ _0\"></span>ed, an unlist<span class=\"_ _0\"></span>ed com<span class=\"_ _0\"></span>pany which w<span class=\"_ _0\"></span>as incor<span class=\"_ _0\"></span>porated i<span class=\"_ _0\"></span>n Malta tow<span class=\"_ _0\"></span>ards the e<span class=\"_ _0\"></span>nd of 20<span class=\"_ _0\"></span>19 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs7b8\">and comm<span class=\"_ _0\"></span>enced ope<span class=\"_ _0\"></span>rations in 2<span class=\"_ _0\"></span>021. T<span class=\"_ _0\"></span>he company w<span class=\"_ _0\"></span>as establi<span class=\"_ _0\"></span>s<span class=\"lsa ws12c\">hed to provide Class I and Class III long term </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs7b9\">bus<span class=\"_ _1\"></span>iness o<span class=\"_ _1\"></span>f insura<span class=\"_ _1\"></span>nce with<span class=\"_ _1\"></span>in Malta wi<span class=\"_ _1\"></span>th a reg<span class=\"_ _1\"></span>istered<span class=\"_ _1\"></span> office at<span class=\"_ _1\"></span> Centris<span class=\"_ _1\"></span> Busin<span class=\"_ _1\"></span>ess Gatewa<span class=\"_ _1\"></span>y II, Lev<span class=\"_ _1\"></span>el 1 D, Triq is<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span></div><div class=\"t m0 h15f ff1 fs1 fc0 sc0 ls6 ws12 gs7ba\">Salib tal<span class=\"ls1 ws1\">-</span><span class=\"ff14 ws8\">Imri<span class=\"_ _1\"></span>e\u0127el, <span class=\"_ _0\"></span>Central Business District, <span class=\"_ _0\"></span>Birkirkara, <span class=\"_ _0\"></span>Malta. During <span class=\"_ _11\"></span>th<span class=\"_ _1\"></span>e <span class=\"_ _0\"></span>202<span class=\"ff1 ls1 ws1\">5 <span class=\"_ _11\"></span><span class=\"ls6 ws12\">fina<span class=\"_ _1\"></span>ncial year, <span class=\"ws2e\">Mal<span class=\"_ _1\"></span>taPost p.<span class=\"_ _1\"></span>l.c. </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws2e gs7bb\">further injected<span class=\"_ _1\"></span> capital amou<span class=\"_ _1\"></span>nting t<span class=\"_ _1\"></span>o \u20ac1,000,000 in its<span class=\"_ _1\"></span> associat<span class=\"_ _1\"></span>e IVALIFE Insu<span class=\"_ _1\"></span>rance Limited.<span class=\"_ _1\"></span> The Group\u2019s 25%<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs7bc\">share of t<span class=\"_ _0\"></span>he prof<span class=\"_ _0\"></span>its registe<span class=\"_ _0\"></span>red by the associ<span class=\"_ _0\"></span>ate duri<span class=\"_ _0\"></span>ng the c<span class=\"_ _0\"></span>urrent f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l year, amounting<span class=\"_ _0\"></span> to \u20ac<span class=\"ls6 ws8\">194,000 </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs7bd\">was refl<span class=\"_ _1\"></span>ected wi<span class=\"_ _1\"></span>thin<span class=\"_ _1\"></span> the Gr<span class=\"_ _1\"></span>oup\u2019<span class=\"_ _1\"></span>s 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">finan<span class=\"_ _1\"></span>cial results<span class=\"_ _1\"></span>. </span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs7be\">Gozo Hote<span class=\"_ _0\"></span>ls Company Li<span class=\"_ _0\"></span>mited is an unli<span class=\"_ _0\"></span>sted com<span class=\"_ _0\"></span>pany inc<span class=\"_ _0\"></span>orporate<span class=\"_ _0\"></span>d and oper<span class=\"_ _0\"></span>ating in M<span class=\"_ _0\"></span>alta. Its pr<span class=\"_ _0\"></span>incipal </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws82 gs7bf\">activity is the operation of<span class=\"_ _0\"></span> the Hotel Cal<span class=\"_ _0\"></span>ypso in Marsalforn, Gozo, and its registere<span class=\"_ _0\"></span>d address is \u2018Calypso\u2019<span class=\"_ _0\"></span>, </div><div class=\"t m0 h15f ff14 fs1 fc0 sc0 ls5 ws7 gs7c0\">G\u0127ar <span class=\"_ _10\"> </span>Qawqla<span class=\"_ _1\"></span> <span class=\"_ _14\"></span>Str<span class=\"_ _1\"></span>eet, <span class=\"_ _10\"> </span>\u017bebbu<span class=\"_ _1\"></span>\u0121, <span class=\"_ _10\"> </span>Gozo. <span class=\"_ _10\"> </span><span class=\"ff1 ls8 ws56\">In previous f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l y<span class=\"_ _0\"></span>ears the<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> with G<span class=\"_ _0\"></span>ozo Hote<span class=\"_ _0\"></span>ls Compa<span class=\"_ _0\"></span>ny </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws49 gs7c1\">Limited with<span class=\"_ _1\"></span> a carrying amou<span class=\"_ _1\"></span>nt o<span class=\"_ _1\"></span>f \u20ac1,645,000 had<span class=\"_ _1\"></span> been recognis<span class=\"_ _1\"></span>ed as an i<span class=\"_ _1\"></span>nvestment in<span class=\"_ _1\"></span> associat<span class=\"_ _1\"></span>e on the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs7c2\">basis that t<span class=\"_ _0\"></span>he Bank<span class=\"_ _0\"></span> control<span class=\"_ _0\"></span>s 33<span class=\"_ _0\"></span>.3% of<span class=\"_ _0\"></span> the share<span class=\"_ _0\"></span>s (and hol<span class=\"_ _0\"></span>ds an e<span class=\"_ _0\"></span>quivalent<span class=\"_ _0\"></span> amount of<span class=\"_ _0\"></span> voti<span class=\"ls6 ws34\">ng rights).<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"lsf ws23\">T<span class=\"_ _1\"></span>he </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs7c3\">Group<span class=\"_ _1\"></span> is dee<span class=\"_ _1\"></span>med to h<span class=\"_ _1\"></span>ave s<span class=\"_ _1\"></span>igni<span class=\"_ _1\"></span>ficant<span class=\"_ _1\"></span> influen<span class=\"_ _1\"></span>ce ov<span class=\"_ _1\"></span>er th<span class=\"_ _1\"></span>e inves<span class=\"_ _1\"></span>tee in<span class=\"_ _1\"></span> acc<span class=\"_ _1\"></span>ordan<span class=\"_ _1\"></span>ce wit<span class=\"_ _1\"></span>h the r<span class=\"_ _1\"></span>equ<span class=\"_ _1\"></span>irement<span class=\"_ _1\"></span>s of I<span class=\"_ _1\"></span>AS </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs7c4\">28 \u2018Invest<span class=\"_ _1\"></span>ments in Ass<span class=\"_ _1\"></span>ociates\u2019. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws87 gs7c5\">On 23 October 2025,<span class=\"_ _1\"></span> Gozo Hotels Comp<span class=\"_ _1\"></span>any Limited <span class=\"ls5 ws7\">eff<span class=\"_ _1\"></span>ected<span class=\"ls1 ws1\">  <span class=\"ls7 ws43\">a reduction of share<span class=\"_ _0\"></span> capital, <span class=\"ls5 ws7\">effectively </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs7c6\">reducing<span class=\"_ _0\"></span> the <span class=\"ls5 ws72\">number<span class=\"_ _1\"></span> of </span>shares held by the B<span class=\"_ _0\"></span>ank by 34,3<span class=\"_ _0\"></span>66 shares<span class=\"ls1 ws1\">, <span class=\"_ _13\"></span><span class=\"ls6 ws39\">with a n<span class=\"_ _1\"></span>ominal valu<span class=\"_ _1\"></span>e of \u20ac11.646866,<span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws27 gs7c7\">giving rise t<span class=\"_ _1\"></span>o a decreas<span class=\"_ _1\"></span>e in sh<span class=\"_ _1\"></span>are capital<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span>a<span class=\"_ _1\"></span>mounting to<span class=\"_ _1\"></span> \u20ac400,000,<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls7 ws4e\">and<span class=\"_ _1\"></span></span> <span class=\"_ _10\"> </span></span><span class=\"ws8\">in<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws28\">th<span class=\"_ _1\"></span>e relat<span class=\"_ _1\"></span>ed s<span class=\"_ _1\"></span>hare p<span class=\"_ _1\"></span>remium <span class=\"ls5f wsb8\">of</span></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws10 gs7c8\">\u20ac742,000. In<span class=\"_ _1\"></span> addition, on 30 December 2025, th<span class=\"_ _1\"></span>e associate declared a <span class=\"_ _1\"></span>dividend<span class=\"_ _1\"></span><span class=\"ls8 ws36\">, w<span class=\"_ _0\"></span>ith the<span class=\"_ _0\"></span> net divi<span class=\"_ _0\"></span>dend<span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs7c9\">attributable to Lombard Bank <span class=\"_ _0\"></span>Malta p.l.c.<span class=\"_ _0\"></span><span class=\"ls1\"> <span class=\"ls6 ws7\">amountin<span class=\"_ _1\"></span>g to \u20ac2,700,000.<span class=\"_ _1\"></span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs7ca\">The Grou<span class=\"_ _1\"></span>p\u2019s s<span class=\"_ _1\"></span>hare o<span class=\"_ _1\"></span>f <span class=\"ws7\">profit<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls7 ws14\">amounting to </span>\u20ac3<span class=\"ls6 ws8\">,112,000</span> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">(202</span>4</span></span>: s<span class=\"_ _1\"></span>hare o<span class=\"_ _1\"></span>f <span class=\"ls6 ws8\">loss<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span>\u20ac</span>101<span class=\"ws1f\">,000), w<span class=\"_ _1\"></span>as reflected with<span class=\"_ _1\"></span>in </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs7cb\">the Gr<span class=\"_ _0\"></span>oup\u2019s 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws1d\">financial resu<span class=\"_ _1\"></span>lt in respect of th<span class=\"_ _1\"></span>is invest<span class=\"_ _1\"></span>ment.<span class=\"_ _1\"></span> <span class=\"ls5 ws16\">The incr<span class=\"_ _1\"></span>ease in<span class=\"_ _1\"></span> the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span>\u2019s sh<span class=\"_ _1\"></span>are of p<span class=\"_ _1\"></span>rofit is<span class=\"_ _1\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs7cc\">primar<span class=\"_ _0\"></span>ily attri<span class=\"_ _0\"></span>butable to t<span class=\"_ _0\"></span>he <span class=\"ls6 ws7\">gain on <span class=\"ls7 ws1\">disposal of </span><span class=\"ls5\">key <span class=\"ls7 ws1\">assets by Gozo Hotels Com<span class=\"_ _0\"></span>pany Limited.<span class=\"ls1\"> </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws162 gs7cd\">These a<span class=\"_ _1\"></span>ssoci<span class=\"_ _1\"></span>ates a<span class=\"_ _1\"></span>re not c<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> materia<span class=\"_ _1\"></span>l for t<span class=\"_ _1\"></span>he rep<span class=\"_ _1\"></span>ortin<span class=\"_ _1\"></span>g entit<span class=\"_ _1\"></span>y, with<span class=\"_ _1\"></span> resp<span class=\"_ _1\"></span>ect to<span class=\"_ _1\"></span> the Ban<span class=\"_ _1\"></span>k\u2019s </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs7ce\">consolid<span class=\"_ _1\"></span>ated financia<span class=\"_ _1\"></span>l statement<span class=\"_ _1\"></span>s, as at<span class=\"_ _1\"></span> 31 December<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span>2024 and<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _14\"></span></span>2025 fo<span class=\"_ _1\"></span>r the purpo<span class=\"_ _1\"></span>ses of disclo<span class=\"_ _1\"></span>sures in </div><div class=\"t m0 h9 ff1 fs1 fc0 sc0 ls5 ws6 gs7cf\">terms o<span class=\"_ _1\"></span>f the req<span class=\"_ _1\"></span>uiremen<span class=\"_ _1\"></span>ts o<span class=\"_ _1\"></span>f IFRS 12<span class=\"_ _1\"></span> \u2018Discl<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>e of inter<span class=\"_ _1\"></span>ests<span class=\"_ _1\"></span> in ot<span class=\"_ _1\"></span>her ent<span class=\"_ _1\"></span>ities\u2019<span class=\"_ _1\"></span>.<span class=\"ff3 ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-25": {
   "value": "<table class=\"s w248 h1fd\" id=\"_484ab3cd-d15d-4c15-a17e-a3126565cb5f\"><tr><td class=\"t m0 x41f h4 y22ed ff3 fs0 fc0 sc0 ls3 ws114\">10.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Inves<span class=\"_ _0\"></span>tments i<span class=\"_ _0\"></span>n assoc<span class=\"_ _0\"></span>iates</span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x420 y22ee wc8 h17\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x421 y22ee wc8 h17\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x420 y22ef w54 h113\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22ef wd5 h113\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22ef w54 h113\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x423 y22ef wd5 h113\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x420 y22f0 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22f0 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f0 w54 h1d\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x423 y22f0 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x424 y22f1 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x420 y22f1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,250<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22f1 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,292<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x423 y22f1 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x424 y22f2 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f2 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22f2 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f2 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x423 y22f2 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22f3 wfd h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Share o<span class=\"_ _1\"></span>f resul<span class=\"_ _1\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f3 w54 h17\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,306<span class=\"_ _bc\"> </span></div></td><td class=\"c x422 y22f3 wd5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(42)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f3 w54 h17\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x423 y22f3 wd5 h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22f4 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Dividend r<span class=\"_ _1\"></span>eceived<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f4 w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">2,700</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x422 y22f4 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x421 y22f4 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x423 y22f4 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22f5 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Reduction in<span class=\"_ _1\"></span> share cap<span class=\"_ _1\"></span>ital<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f5 w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,14<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x422 y22f5 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x421 y22f5 w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,14<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x423 y22f5 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22f6 wfd h96\"><div class=\"t m0 xd h3 y187a ff1 fs1 fc0 sc0 ls6 ws7\">At 31 <span class=\"ls5\">Decemb<span class=\"_ _1\"></span>er</span><span class=\"ls5\"><span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></span></div></td><td class=\"c x420 y22f6 w54 h96\"><div class=\"t m0 x35 h15 y187a ff3 fs1 fc0 sc0 ls6 ws8\">4,714<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22f6 wd5 h96\"><div class=\"t m0 x35 h3 y187a ff1 fs1 fc0 sc0 ls6 ws8\">4,250<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22f6 w54 h96\"><div class=\"t m0 xd8 h15 y187a ff3 fs1 fc0 sc0 ls6 ws8\">503<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x423 y22f6 wd5 h96\"><div class=\"t m0 x35 h3 y187a ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x424 y22f7 wfd h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December<span class=\"ffb ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x424 y22f8 wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22f8 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,37<span class=\"ls1 ws1\">8<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x422 y22f8 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5<span class=\"ls6 ws8\">,520</span><span class=\"ffb\"> </span></div></td><td class=\"c x421 y22f8 w54 h18\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">503<span class=\"_ _bc\"> </span></div></td><td class=\"c x423 y22f8 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x424 y22f9 wfd h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Share o<span class=\"_ _1\"></span>f re<span class=\"ws7\">serv<span class=\"_ _1\"></span>es</span><span class=\"ws7\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x420 y22f9 w54 h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">664)</span><span class=\"ffa\"> </span></div></td><td class=\"c x422 y22f9 wd5 h17\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">1,270</span>)<span class=\"ffb\"> </span></div></td><td class=\"c x421 y22f9 w54 h17\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x423 y22f9 wd5 h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x424 y22fa wfd h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Carrying<span class=\"_ _0\"></span> amount<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x420 y22fa w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,714<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x422 y22fa wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,250<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x421 y22fa w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">503<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x423 y22fa wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr></table>The Grou<span class=\"_ _1\"></span>p's as<span class=\"_ _1\"></span>soci<span class=\"_ _1\"></span>ates a<span class=\"_ _1\"></span>t 31 Dece<span class=\"_ _1\"></span>mber 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">and 202</span>4 </span>ar<span class=\"_ _1\"></span>e sh<span class=\"_ _1\"></span>own bel<span class=\"_ _1\"></span>ow:<span class=\"ls1 ws1\"> </span><table class=\"s w249 h1fe\" id=\"_7d93e5d3-2d58-45df-8676-da5a31dfbacc\"><tr><td></td><td class=\"c x425 y22fb w163 h31\"><div class=\"t m0 xdb h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Country of<span class=\"_ _0\"></span> </div></td><td class=\"c x426 y22fb w164 h31\"><div class=\"t m0 x35 h9 y3a3 ff3 fs1 fc0 sc0 ls7 ws1\">Nature of </div></td><td></td><td></td><td></td><td class=\"c x427 y22fb w166 h31\"><div class=\"t m0 xd8 h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y22fb w162 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Name of co<span class=\"_ _0\"></span>mpany<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x425 y22fb w163 h31\"><div class=\"t m0 x84 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">incorporat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x426 y22fb w164 h31\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">busines<span class=\"_ _0\"></span>s<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x428 y22fb w165 h31\"><div class=\"t m0 xd4 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Equity<span class=\"_ _0\"></span> interes<span class=\"_ _0\"></span>t<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td class=\"c x427 y22fb w166 h31\"><div class=\"t m0 x11 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">carryi<span class=\"_ _0\"></span>ng amount<span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x428 y22fc wdc h152\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x429 y22fc wdc h152\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x427 y22fc w167 h152\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x42a y22fc w168 h152\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x428 y22fd wdc h152\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">%<span class=\"ffa\"> </span></div></td><td class=\"c x429 y22fd wdc h152\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">%<span class=\"ffb\"> </span></div></td><td class=\"c x427 y22fd w167 h152\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42a y22fd w168 h152\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y22fe w162 h31\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls7 ws1\">Gozo Hotels     </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x31e y22fe w162 h31\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Compan<span class=\"_ _1\"></span>y Limit<span class=\"_ _1\"></span>ed<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td class=\"c x42c y22ff w24a h1fb\"><div class=\"t m0 x26e h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"_ _bc\"> </span></div><div class=\"t m0 x42b h3 y2270 ff1 fs1 fc0 sc0 ls7 ws4e\">Accommodation<span class=\"_ _bc\"> </span></div></td><td class=\"c x428 y22fe wdc h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">33.3<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x429 y22fe wdc h31\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">33.3<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x427 y22fe w167 h31\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">745<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42a y22fe w168 h31\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,475<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y2300 w162 h2f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 lsa ws44\">IVALIFE Insurance </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x31e y2300 w162 h2f\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Limited<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x425 y2300 w163 h2f\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Malta<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x426 y2300 w164 h2f\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Insurance<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x428 y2300 wdc h2f\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">25.0<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x429 y2300 wdc h2f\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">25.0<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x427 y2300 w167 h2f\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,969<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42a y2300 w168 h2f\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,775<span class=\"ls1 ws1\"> </span></div></td></tr></table>MaltaPost<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls8 ws5c\">p.l.c. c<span class=\"_ _0\"></span>ontrols 25<span class=\"_ _0\"></span>% of the sha<span class=\"_ _0\"></span>re capi<span class=\"_ _0\"></span>tal (and holds an equi<span class=\"_ _0\"></span>valent am<span class=\"_ _0\"></span>ount of vot<span class=\"_ _0\"></span>ing rig<span class=\"_ _0\"></span>hts) of </span></span>IVALIF<span class=\"_ _0\"></span>E Insurance<span class=\"_ _0\"></span> Limit<span class=\"_ _0\"></span>ed, an unlist<span class=\"_ _0\"></span>ed com<span class=\"_ _0\"></span>pany which w<span class=\"_ _0\"></span>as incor<span class=\"_ _0\"></span>porated i<span class=\"_ _0\"></span>n Malta tow<span class=\"_ _0\"></span>ards the e<span class=\"_ _0\"></span>nd of 20<span class=\"_ _0\"></span>19 and comm<span class=\"_ _0\"></span>enced ope<span class=\"_ _0\"></span>rations in 2<span class=\"_ _0\"></span>021. T<span class=\"_ _0\"></span>he company w<span class=\"_ _0\"></span>as establi<span class=\"_ _0\"></span>s<span class=\"lsa ws12c\">hed to provide Class I and Class III long term </span>bus<span class=\"_ _1\"></span>iness o<span class=\"_ _1\"></span>f insura<span class=\"_ _1\"></span>nce with<span class=\"_ _1\"></span>in Malta wi<span class=\"_ _1\"></span>th a reg<span class=\"_ _1\"></span>istered<span class=\"_ _1\"></span> office at<span class=\"_ _1\"></span> Centris<span class=\"_ _1\"></span> Busin<span class=\"_ _1\"></span>ess Gatewa<span class=\"_ _1\"></span>y II, Lev<span class=\"_ _1\"></span>el 1 D, Triq is<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"_ _bc\"> </span></span>Salib tal<span class=\"ls1 ws1\">-</span><span class=\"ff14 ws8\">Imri<span class=\"_ _1\"></span>e\u0127el, <span class=\"_ _0\"></span>Central Business District, <span class=\"_ _0\"></span>Birkirkara, <span class=\"_ _0\"></span>Malta. During <span class=\"_ _11\"></span>th<span class=\"_ _1\"></span>e <span class=\"_ _0\"></span>202<span class=\"ff1 ls1 ws1\">5 <span class=\"_ _11\"></span><span class=\"ls6 ws12\">fina<span class=\"_ _1\"></span>ncial year, <span class=\"ws2e\">Mal<span class=\"_ _1\"></span>taPost p.<span class=\"_ _1\"></span>l.c. </span></span></span></span>further injected<span class=\"_ _1\"></span> capital amou<span class=\"_ _1\"></span>nting t<span class=\"_ _1\"></span>o \u20ac1,000,000 in its<span class=\"_ _1\"></span> associat<span class=\"_ _1\"></span>e IVALIFE Insu<span class=\"_ _1\"></span>rance Limited.<span class=\"_ _1\"></span> The Group\u2019s 25%<span class=\"_ _1\"></span> share of t<span class=\"_ _0\"></span>he prof<span class=\"_ _0\"></span>its registe<span class=\"_ _0\"></span>red by the associ<span class=\"_ _0\"></span>ate duri<span class=\"_ _0\"></span>ng the c<span class=\"_ _0\"></span>urrent f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l year, amounting<span class=\"_ _0\"></span> to \u20ac<span class=\"ls6 ws8\">194,000 </span>was refl<span class=\"_ _1\"></span>ected wi<span class=\"_ _1\"></span>thin<span class=\"_ _1\"></span> the Gr<span class=\"_ _1\"></span>oup\u2019<span class=\"_ _1\"></span>s 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">finan<span class=\"_ _1\"></span>cial results<span class=\"_ _1\"></span>. </span> </span>Gozo Hote<span class=\"_ _0\"></span>ls Company Li<span class=\"_ _0\"></span>mited is an unli<span class=\"_ _0\"></span>sted com<span class=\"_ _0\"></span>pany inc<span class=\"_ _0\"></span>orporate<span class=\"_ _0\"></span>d and oper<span class=\"_ _0\"></span>ating in M<span class=\"_ _0\"></span>alta. Its pr<span class=\"_ _0\"></span>incipal activity is the operation of<span class=\"_ _0\"></span> the Hotel Cal<span class=\"_ _0\"></span>ypso in Marsalforn, Gozo, and its registere<span class=\"_ _0\"></span>d address is \u2018Calypso\u2019<span class=\"_ _0\"></span>, G\u0127ar <span class=\"_ _10\"> </span>Qawqla<span class=\"_ _1\"></span> <span class=\"_ _14\"></span>Str<span class=\"_ _1\"></span>eet, <span class=\"_ _10\"> </span>\u017bebbu<span class=\"_ _1\"></span>\u0121, <span class=\"_ _10\"> </span>Gozo. <span class=\"_ _10\"> </span><span class=\"ff1 ls8 ws56\">In previous f<span class=\"_ _0\"></span>inancia<span class=\"_ _0\"></span>l y<span class=\"_ _0\"></span>ears the<span class=\"_ _0\"></span> exposure<span class=\"_ _0\"></span> with G<span class=\"_ _0\"></span>ozo Hote<span class=\"_ _0\"></span>ls Compa<span class=\"_ _0\"></span>ny </span>Limited with<span class=\"_ _1\"></span> a carrying amou<span class=\"_ _1\"></span>nt o<span class=\"_ _1\"></span>f \u20ac1,645,000 had<span class=\"_ _1\"></span> been recognis<span class=\"_ _1\"></span>ed as an i<span class=\"_ _1\"></span>nvestment in<span class=\"_ _1\"></span> associat<span class=\"_ _1\"></span>e on the basis that t<span class=\"_ _0\"></span>he Bank<span class=\"_ _0\"></span> control<span class=\"_ _0\"></span>s 33<span class=\"_ _0\"></span>.3% of<span class=\"_ _0\"></span> the share<span class=\"_ _0\"></span>s (and hol<span class=\"_ _0\"></span>ds an e<span class=\"_ _0\"></span>quivalent<span class=\"_ _0\"></span> amount of<span class=\"_ _0\"></span> voti<span class=\"ls6 ws34\">ng rights).<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"lsf ws23\">T<span class=\"_ _1\"></span>he </span></span></span>Group<span class=\"_ _1\"></span> is dee<span class=\"_ _1\"></span>med to h<span class=\"_ _1\"></span>ave s<span class=\"_ _1\"></span>igni<span class=\"_ _1\"></span>ficant<span class=\"_ _1\"></span> influen<span class=\"_ _1\"></span>ce ov<span class=\"_ _1\"></span>er th<span class=\"_ _1\"></span>e inves<span class=\"_ _1\"></span>tee in<span class=\"_ _1\"></span> acc<span class=\"_ _1\"></span>ordan<span class=\"_ _1\"></span>ce wit<span class=\"_ _1\"></span>h the r<span class=\"_ _1\"></span>equ<span class=\"_ _1\"></span>irement<span class=\"_ _1\"></span>s of I<span class=\"_ _1\"></span>AS 28 \u2018Invest<span class=\"_ _1\"></span>ments in Ass<span class=\"_ _1\"></span>ociates\u2019. <span class=\"ls1 ws1\"> </span>On 23 October 2025,<span class=\"_ _1\"></span> Gozo Hotels Comp<span class=\"_ _1\"></span>any Limited <span class=\"ls5 ws7\">eff<span class=\"_ _1\"></span>ected<span class=\"ls1 ws1\">  <span class=\"ls7 ws43\">a reduction of share<span class=\"_ _0\"></span> capital, <span class=\"ls5 ws7\">effectively </span></span></span></span>reducing<span class=\"_ _0\"></span> the <span class=\"ls5 ws72\">number<span class=\"_ _1\"></span> of </span>shares held by the B<span class=\"_ _0\"></span>ank by 34,3<span class=\"_ _0\"></span>66 shares<span class=\"ls1 ws1\">, <span class=\"_ _13\"></span><span class=\"ls6 ws39\">with a n<span class=\"_ _1\"></span>ominal valu<span class=\"_ _1\"></span>e of \u20ac11.646866,<span class=\"_ _1\"></span></span> </span>giving rise t<span class=\"_ _1\"></span>o a decreas<span class=\"_ _1\"></span>e in sh<span class=\"_ _1\"></span>are capital<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span>a<span class=\"_ _1\"></span>mounting to<span class=\"_ _1\"></span> \u20ac400,000,<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls7 ws4e\">and<span class=\"_ _1\"></span></span> <span class=\"_ _10\"> </span></span><span class=\"ws8\">in<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls5 ws28\">th<span class=\"_ _1\"></span>e relat<span class=\"_ _1\"></span>ed s<span class=\"_ _1\"></span>hare p<span class=\"_ _1\"></span>remium <span class=\"ls5f wsb8\">of</span></span> </span></span>\u20ac742,000. In<span class=\"_ _1\"></span> addition, on 30 December 2025, th<span class=\"_ _1\"></span>e associate declared a <span class=\"_ _1\"></span>dividend<span class=\"_ _1\"></span><span class=\"ls8 ws36\">, w<span class=\"_ _0\"></span>ith the<span class=\"_ _0\"></span> net divi<span class=\"_ _0\"></span>dend<span class=\"_ _0\"></span> </span>attributable to Lombard Bank <span class=\"_ _0\"></span>Malta p.l.c.<span class=\"_ _0\"></span><span class=\"ls1\"> <span class=\"ls6 ws7\">amountin<span class=\"_ _1\"></span>g to \u20ac2,700,000.<span class=\"_ _1\"></span></span> </span>The Grou<span class=\"_ _1\"></span>p\u2019s s<span class=\"_ _1\"></span>hare o<span class=\"_ _1\"></span>f <span class=\"ws7\">profit<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls7 ws14\">amounting to </span>\u20ac3<span class=\"ls6 ws8\">,112,000</span> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">(202</span>4</span></span>: s<span class=\"_ _1\"></span>hare o<span class=\"_ _1\"></span>f <span class=\"ls6 ws8\">loss<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span>\u20ac</span>101<span class=\"ws1f\">,000), w<span class=\"_ _1\"></span>as reflected with<span class=\"_ _1\"></span>in </span></span>the Gr<span class=\"_ _0\"></span>oup\u2019s 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws1d\">financial resu<span class=\"_ _1\"></span>lt in respect of th<span class=\"_ _1\"></span>is invest<span class=\"_ _1\"></span>ment.<span class=\"_ _1\"></span> <span class=\"ls5 ws16\">The incr<span class=\"_ _1\"></span>ease in<span class=\"_ _1\"></span> the <span class=\"_ _1\"></span>Group<span class=\"_ _1\"></span>\u2019s sh<span class=\"_ _1\"></span>are of p<span class=\"_ _1\"></span>rofit is<span class=\"_ _1\"></span> </span></span></span>primar<span class=\"_ _0\"></span>ily attri<span class=\"_ _0\"></span>butable to t<span class=\"_ _0\"></span>he <span class=\"ls6 ws7\">gain on <span class=\"ls7 ws1\">disposal of </span><span class=\"ls5\">key <span class=\"ls7 ws1\">assets by Gozo Hotels Com<span class=\"_ _0\"></span>pany Limited.<span class=\"ls1\"> </span></span></span></span>These a<span class=\"_ _1\"></span>ssoci<span class=\"_ _1\"></span>ates a<span class=\"_ _1\"></span>re not c<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>idered<span class=\"_ _1\"></span> materia<span class=\"_ _1\"></span>l for t<span class=\"_ _1\"></span>he rep<span class=\"_ _1\"></span>ortin<span class=\"_ _1\"></span>g entit<span class=\"_ _1\"></span>y, with<span class=\"_ _1\"></span> resp<span class=\"_ _1\"></span>ect to<span class=\"_ _1\"></span> the Ban<span class=\"_ _1\"></span>k\u2019s consolid<span class=\"_ _1\"></span>ated financia<span class=\"_ _1\"></span>l statement<span class=\"_ _1\"></span>s, as at<span class=\"_ _1\"></span> 31 December<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span>2024 and<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _14\"></span></span>2025 fo<span class=\"_ _1\"></span>r the purpo<span class=\"_ _1\"></span>ses of disclo<span class=\"_ _1\"></span>sures in terms o<span class=\"_ _1\"></span>f the req<span class=\"_ _1\"></span>uiremen<span class=\"_ _1\"></span>ts o<span class=\"_ _1\"></span>f IFRS 12<span class=\"_ _1\"></span> \u2018Discl<span class=\"_ _1\"></span>osur<span class=\"_ _1\"></span>e of inter<span class=\"_ _1\"></span>ests<span class=\"_ _1\"></span> in ot<span class=\"_ _1\"></span>her ent<span class=\"_ _1\"></span>ities\u2019<span class=\"_ _1\"></span>.<span class=\"ff3 ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-461": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs7d1\">11.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Intang<span class=\"_ _0\"></span>ible a<span class=\"_ _0\"></span>ssets</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"gsb6\"><table class=\"s w24b h1ff\" id=\"_e114fb45-a0f9-4af5-9537-4dc2de803f24\"><tr><td></td><td></td><td class=\"c x42d y2301 w16b h18\"><div class=\"t m0 x1ba h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x42e y2301 w101 h18\"><div class=\"t m0 x113 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x42f y2302 w51 h1f\"><div class=\"t m0 xd6 h9 y196 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x430 h9 y2303 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x431 h9 y2303 ff3 fs1 fc0 sc0 ls1 ws1\">i<span class=\"ls20 ws7e\">ntang<span class=\"_ _0\"></span>ible</span><span class=\"ls20 ws7e\"><span class=\"ls1 ws1\"> </span></span></td><td></td><td class=\"t m0 x432 h9 y2303 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x42d y2302 wd h1f\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">Good<span class=\"_ _1\"></span>will<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x433 y2302 w5a h1f\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">softwar<span class=\"_ _1\"></span>e<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2302 w51 h1f\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">assets<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x434 y2302 w50 h1f\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x435 y2302 w8f h1f\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls24 ws9\">softwar<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x42d y2304 wd h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x433 y2304 w5a h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2304 w51 h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x434 y2304 w50 h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x435 y2304 w8f h1d\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2305 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 1 Januar<span class=\"_ _1\"></span>y 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2306 w16c h161\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2306 wfc h161\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2306 w13d h161\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,449<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2306 w16d h161\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2306 w16e h161\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2306 w16f h161\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2307 w16c h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2307 wfc h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y2307 w13d h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,200)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2307 w16d h17\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(54)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2307 w16e h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,254)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2307 w16f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,430)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2308 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2308 wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2308 w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,249<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2308 w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2308 w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,192<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2308 w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2309 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span>4<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y230a w16c h162\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230a wfc h162\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230a w13d h162\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,249<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230a w16d h162\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230a w16e h162\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,192<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230a w16f h162\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230b w16c h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230b wfc h1d\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y230b w13d h1d\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">578<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230b w16d h1d\"><div class=\"t m0 xce h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3ff y230b w16e h1d\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">578<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230b w16f h1d\"><div class=\"t m0 x46 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y230c w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amortisation for the<span class=\"_ _0\"></span> year<span class=\"ffb ls1\"> </span></div></td><td class=\"c x42d y230c wfc h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y230c w13d h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(567)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230c w16d h18\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(17)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230c w16e h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(584)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230c w16f h18\"><div class=\"t m0 x104 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230d w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y230d wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230d w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230d w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230d w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230d w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230e w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">At<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">31 Decem<span class=\"_ _1\"></span>ber 2024</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y230f w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230f wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230f w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,027<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230f w16d h18\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230f w16e h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230f w16f h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2310 w16c h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2310 wfc h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y2310 w13d h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,767)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2310 w16d h17\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(71)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2310 w16e h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,838)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2310 w16f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,439)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2311 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2311 wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2311 w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2311 w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2311 w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2311 w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2312 w16c h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span><span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2313 w16c h162\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2313 wfc h162\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2313 w13d h162\"><div class=\"t m0 x4f h15 y18cb ff3 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2313 w16d h162\"><div class=\"t m0 x11e h15 y18cb ff3 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2313 w16e h162\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y2313 w16f h162\"><div class=\"t m0 x27 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2314 w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2314 wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y2314 w13d h18\"><div class=\"t m0 x125 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">52<span class=\"ls1 ws1\">4<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x437 y2314 w16d h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x3ff y2314 w16e h18\"><div class=\"t m0 x125 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">524<span class=\"_ _bc\"> </span></div></td><td class=\"c x42e y2314 w16f h18\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2315 w16c h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Acquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary<span class=\"ls1 ws1\"> <span class=\"ls1c ws6f\">(N<span class=\"_ _1\"></span>ote 9<span class=\"_ _1\"></span>)</span><span class=\"ffb\"> </span></span></div></td><td class=\"c x42d y2315 wfc h1d\"><div class=\"t m0 xd9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">63<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2315 w13d h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x437 y2315 w16d h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3ff y2315 w16e h1d\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">63<span class=\"ffa\"> </span></div></td><td class=\"c x42e y2315 w16f h1d\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2316 w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amortisation for the<span class=\"_ _0\"></span> year<span class=\"ffb ls1\"> </span></div></td><td class=\"c x42d y2316 wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y2316 w13d h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(61<span class=\"ls1 ws1\">9</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y2316 w16d h18\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(18)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2316 w16e h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(63<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y2316 w16f h18\"><div class=\"t m0 xe6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(7)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2317 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42d y2317 wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2317 w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,165<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2317 w16d h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2317 w16e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y2317 w16f h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x402 y2318 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2319 w16c h18\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2319 wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2319 w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,55<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y2319 w16d h18\"><div class=\"t m0 x125 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2319 w16e h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,61<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y2319 w16f h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y231a w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _bc\"> </span></div></td><td class=\"c x42d y231a wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y231a w13d h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(8,38<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y231a w16d h18\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(89)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y231a w16e h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(8,47<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y231a w16f h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3,446)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y231b w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y231b wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y231b w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,165<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y231b w16d h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y231b w16e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y231b w16f h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 ls6 ws8 gs7d4\">11.1<span class=\"ls1 ws1\"> <span class=\"_ _86\"> </span><span class=\"lsb ws24\">Impairment test for<span class=\"_ _0\"></span> the cash<span class=\"ls1 ws1\">-</span>gener<span class=\"_ _0\"></span>ating unit to<span class=\"_ _0\"></span> which goodw<span class=\"_ _0\"></span>ill has been al<span class=\"_ _0\"></span>located<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs7d5\">The recogn<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> goodwi<span class=\"_ _1\"></span>ll rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s pay<span class=\"_ _1\"></span>ments mad<span class=\"_ _1\"></span>e by the Grou<span class=\"_ _1\"></span>p in ant<span class=\"_ _1\"></span>icipat<span class=\"_ _1\"></span>ion of futu<span class=\"_ _1\"></span>re economi<span class=\"_ _1\"></span>c </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs7d6\">benef<span class=\"_ _0\"></span>its from<span class=\"_ _0\"></span> assets that ar<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>t capable<span class=\"_ _0\"></span> of bei<span class=\"_ _0\"></span>ng indivi<span class=\"_ _0\"></span>dual<span class=\"_ _0\"></span>ly ident<span class=\"_ _0\"></span>ifie<span class=\"_ _0\"></span>d and separate<span class=\"_ _0\"></span>ly r<span class=\"_ _0\"></span>ecog<span class=\"_ _0\"></span>nised. As at<span class=\"_ _11\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs7d7\">31 December 202<span class=\"ls1 ws1\">5 <span class=\"_ _14\"> </span><span class=\"ls8 ws33\">the recognised goodwi<span class=\"_ _0\"></span>ll amo<span class=\"_ _0\"></span>unted to<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">\u20ac920,000</span> <span class=\"_ _10\"> </span><span class=\"ls6 ws8\">(2024: <span class=\"_ _14\"> </span>\u20ac85<span class=\"_ _1\"></span>7,000</span>) <span class=\"_ _14\"></span></span>and related to <span class=\"ls5 ws7\">the </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs7d8\">acquisi<span class=\"_ _1\"></span>tion <span class=\"ls7 ws4e\">of<span class=\"ls1 ws1\"> </span></span><span class=\"ws7\">MaltaPo<span class=\"_ _1\"></span>st p.l.c.<span class=\"ls1 ws1\"> <span class=\"ls7 ws4e\">and</span> <span class=\"ls7 ws4e\">of</span> </span>its su<span class=\"_ _1\"></span>bsidiary, Dor<span class=\"_ _1\"></span>max<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">(see No<span class=\"_ _1\"></span>te 9)</span>. </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs7d9\">In applying t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ments of IA<span class=\"_ _0\"></span>S 36, \u2018<span class=\"ls5 ws35\">Impairment o<span class=\"_ _1\"></span>f as<span class=\"_ _1\"></span>sets\u2019<span class=\"_ _1\"></span><span class=\"ls6 ws49\">, in relation<span class=\"_ _1\"></span> to goodwill arisin<span class=\"_ _1\"></span>g in business </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs7da\">combinat<span class=\"_ _0\"></span>ions, the D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tors carr<span class=\"_ _0\"></span>ied out an i<span class=\"_ _0\"></span>mpairm<span class=\"_ _0\"></span>ent te<span class=\"_ _0\"></span>st at the end of<span class=\"_ _0\"></span> the re<span class=\"_ _0\"></span>porting pe<span class=\"_ _0\"></span>riod to obt<span class=\"_ _0\"></span>ain </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs7db\">comfort<span class=\"_ _1\"></span> that t<span class=\"_ _1\"></span>he r<span class=\"_ _1\"></span>ecoverab<span class=\"_ _1\"></span>le a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> of the ca<span class=\"_ _1\"></span>sh<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">genera<span class=\"_ _1\"></span>ting unit t<span class=\"_ _1\"></span>o which goodwill h<span class=\"_ _1\"></span>as b<span class=\"_ _1\"></span>een allocated is a<span class=\"_ _1\"></span>t</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs7dc\">least equa<span class=\"_ _1\"></span>l to its carry<span class=\"_ _1\"></span>ing amount.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs7dd\">The recov<span class=\"_ _1\"></span>erab<span class=\"_ _1\"></span>le amou<span class=\"_ _1\"></span>nt of t<span class=\"_ _1\"></span>he cash<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">generating uni<span class=\"_ _1\"></span>t is based<span class=\"_ _1\"></span> on fair valu<span class=\"_ _1\"></span>e less costs to sell.  </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws6e gs7de\">This calculation take<span class=\"_ _0\"></span>s into account the marke<span class=\"_ _0\"></span>t capitalisation of Malt<span class=\"_ _0\"></span>aPost<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws11\">p.l.c.<span class=\"_ _0\"></span> based on the<span class=\"_ _0\"></span> quoted pric<span class=\"_ _0\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws54 gs7df\">of its equity on the Malta S<span class=\"_ _0\"></span>tock Exchange at a price<span class=\"_ _0\"></span> per share of \u20ac<span class=\"ls6 ws8\">0.51<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span></span><span class=\"ws34\">as at 31 Dec<span class=\"_ _1\"></span>ember 202<span class=\"ls1 ws1\">5<span class=\"_ _1\"></span> <span class=\"_ _14\"></span><span class=\"lsd ws44\">(202</span>4<span class=\"ls7a ws12c\">: </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws12 gs7e0\">\u20ac0.47). On this<span class=\"_ _1\"></span> basis, th<span class=\"_ _1\"></span>e recoverable amount<span class=\"_ _1\"></span> of the cash<span class=\"ls1 ws1\">-<span class=\"ls8 ws13\">generating unit<span class=\"_ _0\"></span> is higher<span class=\"_ _0\"></span> than i<span class=\"_ _0\"></span>ts car<span class=\"_ _0\"></span>rying am<span class=\"_ _0\"></span>ount.</span></span><span class=\"ls1 ws1\"><span class=\"ls8 ws13\"><span class=\"ls1 ws1\"> </span></span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-485": {
   "value": "11.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Intang<span class=\"_ _0\"></span>ible a<span class=\"_ _0\"></span>ssets</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span>11.1<span class=\"ls1 ws1\"> <span class=\"_ _86\"> </span><span class=\"lsb ws24\">Impairment test for<span class=\"_ _0\"></span> the cash<span class=\"ls1 ws1\">-</span>gener<span class=\"_ _0\"></span>ating unit to<span class=\"_ _0\"></span> which goodw<span class=\"_ _0\"></span>ill has been al<span class=\"_ _0\"></span>located<span class=\"ls1 ws1\"> </span></span></span>The recogn<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> goodwi<span class=\"_ _1\"></span>ll rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s pay<span class=\"_ _1\"></span>ments mad<span class=\"_ _1\"></span>e by the Grou<span class=\"_ _1\"></span>p in ant<span class=\"_ _1\"></span>icipat<span class=\"_ _1\"></span>ion of futu<span class=\"_ _1\"></span>re economi<span class=\"_ _1\"></span>c benef<span class=\"_ _0\"></span>its from<span class=\"_ _0\"></span> assets that ar<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>t capable<span class=\"_ _0\"></span> of bei<span class=\"_ _0\"></span>ng indivi<span class=\"_ _0\"></span>dual<span class=\"_ _0\"></span>ly ident<span class=\"_ _0\"></span>ifie<span class=\"_ _0\"></span>d and separate<span class=\"_ _0\"></span>ly r<span class=\"_ _0\"></span>ecog<span class=\"_ _0\"></span>nised. As at<span class=\"_ _11\"></span> 31 December 202<span class=\"ls1 ws1\">5 <span class=\"_ _14\"> </span><span class=\"ls8 ws33\">the recognised goodwi<span class=\"_ _0\"></span>ll amo<span class=\"_ _0\"></span>unted to<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">\u20ac920,000</span> <span class=\"_ _10\"> </span><span class=\"ls6 ws8\">(2024: <span class=\"_ _14\"> </span>\u20ac85<span class=\"_ _1\"></span>7,000</span>) <span class=\"_ _14\"></span></span>and related to <span class=\"ls5 ws7\">the </span></span></span>acquisi<span class=\"_ _1\"></span>tion <span class=\"ls7 ws4e\">of<span class=\"ls1 ws1\"> </span></span><span class=\"ws7\">MaltaPo<span class=\"_ _1\"></span>st p.l.c.<span class=\"ls1 ws1\"> <span class=\"ls7 ws4e\">and</span> <span class=\"ls7 ws4e\">of</span> </span>its su<span class=\"_ _1\"></span>bsidiary, Dor<span class=\"_ _1\"></span>max<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">(see No<span class=\"_ _1\"></span>te 9)</span>. </span></span>In applying t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ments of IA<span class=\"_ _0\"></span>S 36, \u2018<span class=\"ls5 ws35\">Impairment o<span class=\"_ _1\"></span>f as<span class=\"_ _1\"></span>sets\u2019<span class=\"_ _1\"></span><span class=\"ls6 ws49\">, in relation<span class=\"_ _1\"></span> to goodwill arisin<span class=\"_ _1\"></span>g in business </span></span>combinat<span class=\"_ _0\"></span>ions, the D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tors carr<span class=\"_ _0\"></span>ied out an i<span class=\"_ _0\"></span>mpairm<span class=\"_ _0\"></span>ent te<span class=\"_ _0\"></span>st at the end of<span class=\"_ _0\"></span> the re<span class=\"_ _0\"></span>porting pe<span class=\"_ _0\"></span>riod to obt<span class=\"_ _0\"></span>ain comfort<span class=\"_ _1\"></span> that t<span class=\"_ _1\"></span>he r<span class=\"_ _1\"></span>ecoverab<span class=\"_ _1\"></span>le a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> of the ca<span class=\"_ _1\"></span>sh<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">genera<span class=\"_ _1\"></span>ting unit t<span class=\"_ _1\"></span>o which goodwill h<span class=\"_ _1\"></span>as b<span class=\"_ _1\"></span>een allocated is a<span class=\"_ _1\"></span>t</span> </span>least equa<span class=\"_ _1\"></span>l to its carry<span class=\"_ _1\"></span>ing amount.<span class=\"ls1 ws1\"> </span>The recov<span class=\"_ _1\"></span>erab<span class=\"_ _1\"></span>le amou<span class=\"_ _1\"></span>nt of t<span class=\"_ _1\"></span>he cash<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">generating uni<span class=\"_ _1\"></span>t is based<span class=\"_ _1\"></span> on fair valu<span class=\"_ _1\"></span>e less costs to sell.  </span></span>This calculation take<span class=\"_ _0\"></span>s into account the marke<span class=\"_ _0\"></span>t capitalisation of Malt<span class=\"_ _0\"></span>aPost<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws11\">p.l.c.<span class=\"_ _0\"></span> based on the<span class=\"_ _0\"></span> quoted pric<span class=\"_ _0\"></span>e </span></span>of its equity on the Malta S<span class=\"_ _0\"></span>tock Exchange at a price<span class=\"_ _0\"></span> per share of \u20ac<span class=\"ls6 ws8\">0.51<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span></span><span class=\"ws34\">as at 31 Dec<span class=\"_ _1\"></span>ember 202<span class=\"ls1 ws1\">5<span class=\"_ _1\"></span> <span class=\"_ _14\"></span><span class=\"lsd ws44\">(202</span>4<span class=\"ls7a ws12c\">: </span></span></span></span>\u20ac0.47). On this<span class=\"_ _1\"></span> basis, th<span class=\"_ _1\"></span>e recoverable amount<span class=\"_ _1\"></span> of the cash<span class=\"ls1 ws1\">-<span class=\"ls8 ws13\">generating unit<span class=\"_ _0\"></span> is higher<span class=\"_ _0\"></span> than i<span class=\"_ _0\"></span>ts car<span class=\"_ _0\"></span>rying am<span class=\"_ _0\"></span>ount.</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-26": {
   "value": "11.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Intang<span class=\"_ _0\"></span>ible a<span class=\"_ _0\"></span>ssets</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span><table class=\"s w24b h1ff\" id=\"_e114fb45-a0f9-4af5-9537-4dc2de803f24\"><tr><td></td><td></td><td class=\"c x42d y2301 w16b h18\"><div class=\"t m0 x1ba h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x42e y2301 w101 h18\"><div class=\"t m0 x113 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x42f y2302 w51 h1f\"><div class=\"t m0 xd6 h9 y196 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x430 h9 y2303 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x431 h9 y2303 ff3 fs1 fc0 sc0 ls1 ws1\">i<span class=\"ls20 ws7e\">ntang<span class=\"_ _0\"></span>ible</span><span class=\"ls20 ws7e\"><span class=\"ls1 ws1\"> </span></span></td><td></td><td class=\"t m0 x432 h9 y2303 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x42d y2302 wd h1f\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">Good<span class=\"_ _1\"></span>will<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x433 y2302 w5a h1f\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">softwar<span class=\"_ _1\"></span>e<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2302 w51 h1f\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">assets<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x434 y2302 w50 h1f\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x435 y2302 w8f h1f\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls24 ws9\">softwar<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x42d y2304 wd h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x433 y2304 w5a h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2304 w51 h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x434 y2304 w50 h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x435 y2304 w8f h1d\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2305 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 1 Januar<span class=\"_ _1\"></span>y 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2306 w16c h161\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2306 wfc h161\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2306 w13d h161\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,449<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2306 w16d h161\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2306 w16e h161\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2306 w16f h161\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2307 w16c h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2307 wfc h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y2307 w13d h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,200)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2307 w16d h17\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(54)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2307 w16e h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,254)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2307 w16f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,430)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2308 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2308 wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2308 w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,249<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2308 w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2308 w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,192<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2308 w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2309 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span>4<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y230a w16c h162\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230a wfc h162\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230a w13d h162\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,249<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230a w16d h162\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230a w16e h162\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,192<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230a w16f h162\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230b w16c h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230b wfc h1d\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y230b w13d h1d\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">578<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230b w16d h1d\"><div class=\"t m0 xce h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3ff y230b w16e h1d\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">578<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230b w16f h1d\"><div class=\"t m0 x46 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y230c w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amortisation for the<span class=\"_ _0\"></span> year<span class=\"ffb ls1\"> </span></div></td><td class=\"c x42d y230c wfc h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y230c w13d h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(567)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230c w16d h18\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(17)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230c w16e h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(584)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230c w16f h18\"><div class=\"t m0 x104 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230d w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y230d wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230d w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230d w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230d w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230d w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230e w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">At<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">31 Decem<span class=\"_ _1\"></span>ber 2024</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y230f w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230f wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230f w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,027<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230f w16d h18\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230f w16e h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230f w16f h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2310 w16c h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2310 wfc h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y2310 w13d h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,767)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2310 w16d h17\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(71)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2310 w16e h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,838)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2310 w16f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,439)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2311 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2311 wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2311 w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2311 w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2311 w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2311 w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2312 w16c h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span><span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2313 w16c h162\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2313 wfc h162\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2313 w13d h162\"><div class=\"t m0 x4f h15 y18cb ff3 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2313 w16d h162\"><div class=\"t m0 x11e h15 y18cb ff3 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2313 w16e h162\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y2313 w16f h162\"><div class=\"t m0 x27 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2314 w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2314 wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y2314 w13d h18\"><div class=\"t m0 x125 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">52<span class=\"ls1 ws1\">4<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x437 y2314 w16d h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x3ff y2314 w16e h18\"><div class=\"t m0 x125 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">524<span class=\"_ _bc\"> </span></div></td><td class=\"c x42e y2314 w16f h18\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2315 w16c h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Acquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary<span class=\"ls1 ws1\"> <span class=\"ls1c ws6f\">(N<span class=\"_ _1\"></span>ote 9<span class=\"_ _1\"></span>)</span><span class=\"ffb\"> </span></span></div></td><td class=\"c x42d y2315 wfc h1d\"><div class=\"t m0 xd9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">63<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2315 w13d h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x437 y2315 w16d h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3ff y2315 w16e h1d\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">63<span class=\"ffa\"> </span></div></td><td class=\"c x42e y2315 w16f h1d\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2316 w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amortisation for the<span class=\"_ _0\"></span> year<span class=\"ffb ls1\"> </span></div></td><td class=\"c x42d y2316 wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y2316 w13d h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(61<span class=\"ls1 ws1\">9</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y2316 w16d h18\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(18)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2316 w16e h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(63<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y2316 w16f h18\"><div class=\"t m0 xe6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(7)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2317 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42d y2317 wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2317 w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,165<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2317 w16d h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2317 w16e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y2317 w16f h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x402 y2318 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2319 w16c h18\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2319 wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2319 w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,55<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y2319 w16d h18\"><div class=\"t m0 x125 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2319 w16e h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,61<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y2319 w16f h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y231a w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _bc\"> </span></div></td><td class=\"c x42d y231a wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y231a w13d h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(8,38<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y231a w16d h18\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(89)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y231a w16e h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(8,47<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y231a w16f h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3,446)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y231b w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y231b wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y231b w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,165<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y231b w16d h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y231b w16e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y231b w16f h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td></tr></table>12.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Property<span class=\"_ _0\"></span>, plan<span class=\"_ _0\"></span>t and<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent<span class=\"fs2 ls1 ws1\"> </span></span><table class=\"s w24c h200\" id=\"_3ec808b3-1147-4083-be87-643a841e1a44\"><tr><td></td><td class=\"c x3f5 y231c w54 h31\"><div class=\"t m0 xdf h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Land and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td><td class=\"c x3fa y231c wd5 h31\"><div class=\"t m0 xe2 h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3f0 y231c wdd h31\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y231c w54 h31\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">buildi<span class=\"_ _0\"></span>ngs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y231c wd5 h31\"><div class=\"t m0 x10 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">equipment<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y231c w54 h31\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y231c wd5 h31\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y231d w54 h152\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y231d wd5 h152\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y231d w54 h152\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y231d wd5 h152\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y231e wdd h8e\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">At 1 Ja<span class=\"_ _0\"></span>nuary 2<span class=\"_ _0\"></span>02<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y231f wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Cost or valuation<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y231f w54 h152\"><div class=\"t m0 x113 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">65,117<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y231f wd5 h152\"><div class=\"t m0 xe5 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">5,972<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y231f w54 h152\"><div class=\"t m0 x113 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">16,159<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y231f wd5 h152\"><div class=\"t m0 x113 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">87,248<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2320 wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2320 w54 h153\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(4,709)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2320 wd5 h153\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(4,743)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2320 w54 h153\"><div class=\"t m0 x90 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(11,285)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2320 wd5 h153\"><div class=\"t m0 x90 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(20,737)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2321 wdd h152\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2321 w54 h152\"><div class=\"t m0 x113 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">60,408<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2321 wd5 h152\"><div class=\"t m0 xe5 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">1,229<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2321 w54 h152\"><div class=\"t m0 xe5 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">4,874<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2321 wd5 h152\"><div class=\"t m0 x113 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">66,511<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2322 wdd h8e\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span>4<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2323 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2323 w54 h152\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">60,408<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2323 wd5 h152\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,229<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2323 w54 h152\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">4,874<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2323 wd5 h152\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">66,511<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2324 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Revaluatio<span class=\"_ _1\"></span>n surplus<span class=\"_ _1\"></span> arising during t<span class=\"_ _1\"></span>he year:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2325 wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">       <span class=\"ls7 ws1\">Effect on c<span class=\"_ _0\"></span>ost or valuation<span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y2325 w54 h153\"><div class=\"t m0 x35 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">3,839<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2325 wd5 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y2325 w54 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fc y2325 wd5 h153\"><div class=\"t m0 x35 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">3,839<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2326 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">       <span class=\"ls5 ws6\">Effect o<span class=\"_ _1\"></span>n accumu<span class=\"_ _1\"></span>lated<span class=\"_ _1\"></span> depreci<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3f5 y2326 w54 h152\"><div class=\"t m0 x35 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">1,219<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2326 wd5 h152\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y2326 w54 h152\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fc y2326 wd5 h152\"><div class=\"t m0 x35 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">1,219<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2327 wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2327 w54 h8e\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">120<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2327 wd5 h8e\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">582<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2327 w54 h8e\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,362<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2327 wd5 h8e\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">2,064<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2328 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Dispos<span class=\"_ _1\"></span>als<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2328 w54 h152\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(120)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2328 wd5 h152\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(237)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2328 w54 h152\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(184)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2328 wd5 h152\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(541)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2329 wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls9 ws8\">Adjustments to right<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of</span>-<span class=\"lse ws2c\">use<span class=\"_ _0\"></span> assets</span></span><span class=\"ls1 ws1\"><span class=\"lse ws2c\"><span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x3f5 y2329 w54 h153\"><div class=\"t m0 xd8 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2329 wd5 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y2329 w54 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fc y2329 wd5 h153\"><div class=\"t m0 xd8 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232a wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y232a w54 h152\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(1,430)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y232a wd5 h152\"><div class=\"t m0 xd6 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(533)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y232a w54 h152\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(1,077)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232a wd5 h152\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(3,040)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232b wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Depreciation re<span class=\"_ _1\"></span>leased on d<span class=\"_ _1\"></span>isposa<span class=\"_ _1\"></span>ls<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y232b w54 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">120<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y232b wd5 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">237<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y232b w54 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">184<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232b wd5 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">541<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232c wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Other adj<span class=\"_ _0\"></span>ustment<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y232d wdd h164\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">       <span class=\"ls7 ws1\">Effect on c<span class=\"_ _0\"></span>ost or valuation<span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y232d w54 h164\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fa y232d wd5 h164\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y232d w54 h164\"><div class=\"t m0 x49 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(24)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232d wd5 h164\"><div class=\"t m0 x49 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(24)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232e wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">       <span class=\"ls5 ws6\">Effect o<span class=\"_ _1\"></span>n accumu<span class=\"_ _1\"></span>lated<span class=\"_ _1\"></span> depreci<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3f5 y232e w54 h8e\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fa y232e wd5 h8e\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y232e w54 h8e\"><div class=\"t m0 x69 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">24<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232e wd5 h8e\"><div class=\"t m0 x69 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">24<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232f wdd h152\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y232f w54 h152\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">65,013<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y232f wd5 h152\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,278<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y232f w54 h152\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">5,159<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232f wd5 h152\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">71,450<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2330 wdd h152\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">At<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">31 Decem<span class=\"_ _1\"></span>ber 2024</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2331 wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Cost or valuation<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y2331 w54 h153\"><div class=\"t m0 xd4 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">69,813<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2331 wd5 h153\"><div class=\"t m0 x22 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">6,317<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2331 w54 h153\"><div class=\"t m0 x90 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">17,313<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2331 wd5 h153\"><div class=\"t m0 x33 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">93,443<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2332 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2332 w54 h152\"><div class=\"t m0 x113 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(4,800)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2332 wd5 h152\"><div class=\"t m0 x113 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(5,039)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2332 w54 h152\"><div class=\"t m0 xdb h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(12,154)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2332 wd5 h152\"><div class=\"t m0 x80 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(21,993)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2333 wdd h8e\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2333 w54 h8e\"><div class=\"t m0 xd4 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">65,013<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2333 wd5 h8e\"><div class=\"t m0 x22 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,278<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2333 w54 h8e\"><div class=\"t m0 x22 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">5,159<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2333 wd5 h8e\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">71,450<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2334 wdd h153\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span><span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2335 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2335 w54 h152\"><div class=\"t m0 x33 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">65,013<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2335 wd5 h152\"><div class=\"t m0 x35 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">1,278<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y2335 w54 h152\"><div class=\"t m0 x35 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">5,159<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y2335 wd5 h152\"><div class=\"t m0 x33 h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">71,450<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2336 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2336 w54 h152\"><div class=\"t m0 x35 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">2,590<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2336 wd5 h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">463<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y2336 w54 h152\"><div class=\"t m0 x35 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">1,35<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3fc y2336 wd5 h152\"><div class=\"t m0 x35 h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">4,40<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2337 wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">A<span class=\"ls6 ws7\">cquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y2337 w54 h8e\"><div class=\"t m0 x69 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">76<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2337 wd5 h8e\"><div class=\"t m0 x37 h15 y9bd ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3fb y2337 w54 h8e\"><div class=\"t m0 x69 h15 y9bd ff3 fs1 fc0 sc0 ls1 ws1\">35<span class=\"ffa\"> </span></div></td><td class=\"c x3fc y2337 wd5 h8e\"><div class=\"t m0 xd8 h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">111<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2338 wdd h164\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Dispos<span class=\"_ _1\"></span>als <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2338 w54 h164\"><div class=\"t m0 xd6 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(963)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2338 wd5 h164\"><div class=\"t m0 x49 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(22)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y2338 w54 h164\"><div class=\"t m0 xd6 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(161)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y2338 wd5 h164\"><div class=\"t m0 x1d h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(1,146)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2339 wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls9 ws8\">Adjustments to right<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of</span>-<span class=\"lse ws2c\">use<span class=\"_ _0\"></span> assets</span></span><span class=\"ls1 ws1\"><span class=\"lse ws2c\"><span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x3f5 y2339 w54 h8e\"><div class=\"t m0 x6b h15 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x3fa y2339 wd5 h8e\"><div class=\"t m0 x37 h15 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3fb y2339 w54 h8e\"><div class=\"t m0 x37 h15 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3fc y2339 wd5 h8e\"><div class=\"t m0 x6b h9 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">7 </div></td></tr><tr><td class=\"c x3f0 y233a wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y233a w54 h152\"><div class=\"t m0 xcb h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">(1,134)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233a wd5 h152\"><div class=\"t m0 xb5 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">(585)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233a w54 h152\"><div class=\"t m0 xcb h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">(1,232)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233a wd5 h152\"><div class=\"t m0 x1d h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">(2,951)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y233b wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Depreciation re<span class=\"_ _1\"></span>leased on d<span class=\"_ _1\"></span>isposa<span class=\"_ _1\"></span>ls<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y233b w54 h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">617<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233b wd5 h152\"><div class=\"t m0 x69 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233b w54 h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233b wd5 h152\"><div class=\"t m0 xd8 h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y233c wdd h164\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f5 y233c w54 h164\"><div class=\"t m0 x33 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">66,206<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233c wd5 h164\"><div class=\"t m0 x35 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">1,152<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233c w54 h164\"><div class=\"t m0 x35 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">5,277<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233c wd5 h164\"><div class=\"t m0 x33 h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">72,635<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y233d wdd h2f\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2025<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y233e wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Cost or valuation<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y233e w54 h152\"><div class=\"t m0 x90 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">71,547<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233e wd5 h152\"><div class=\"t m0 x22 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">6,758<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233e w54 h152\"><div class=\"t m0 x90 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">19,236<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233e wd5 h152\"><div class=\"t m0 x33 h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">97,541<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y233f wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y233f w54 h153\"><div class=\"t m0 x113 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(5,341)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233f wd5 h153\"><div class=\"t m0 x113 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(5,606)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233f w54 h153\"><div class=\"t m0 xdb h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(13,959)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233f wd5 h153\"><div class=\"t m0 x80 h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(24,906)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2340 wdd h8e\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2340 w54 h8e\"><div class=\"t m0 x90 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">66,206<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2340 wd5 h8e\"><div class=\"t m0 x22 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">1,152<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y2340 w54 h8e\"><div class=\"t m0 x22 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">5,277<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y2340 wd5 h8e\"><div class=\"t m0 x33 h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">72,635<span class=\"ls1 ws1\"> </span></div></td></tr></table>13.     Leases<span class=\"ls1 ws1\"> <span class=\"ff5 fs1 lsb ws2c\">(continued)</span> </span>Leases<span class=\"_ _1\"></span> are reco<span class=\"_ _1\"></span>gnis<span class=\"_ _1\"></span>ed as<span class=\"_ _1\"></span> a righ<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of</span>-<span class=\"ls8 ws7a\">use<span class=\"_ _0\"></span> asset within \u2018P<span class=\"_ _0\"></span>roperty,<span class=\"_ _0\"></span> plant and equi<span class=\"_ _0\"></span>pment\u2019<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls8 ws7a\">(note 12<span class=\"_ _0\"></span>) and a </span></span></span></span>correspon<span class=\"_ _1\"></span>ding liabilit<span class=\"_ _1\"></span>y<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span><span class=\"ws8\">with<span class=\"_ _1\"></span>in <span class=\"_ _1\"></span></span>\u2018Oth<span class=\"_ _1\"></span>er liabilities\u2019 (n<span class=\"_ _1\"></span>ote 23)<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls5 ws1a\">at<span class=\"_ _1\"></span> the da<span class=\"_ _1\"></span>te at wh<span class=\"_ _1\"></span>ich th<span class=\"_ _1\"></span>e leased<span class=\"_ _1\"></span> asset is<span class=\"_ _1\"></span> availa<span class=\"_ _1\"></span>ble </span></span>for use by t<span class=\"_ _0\"></span>he Group.<table class=\"s w254 h204\" id=\"_7b2ad687-ec3c-49ec-9f2c-5d5e4482c63a\"><tr><td></td><td></td><td class=\"c x455 y235d w179 h1d\"><div class=\"t m0 x1b h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x404 y235d w17a h1d\"><div class=\"t m0 x152 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x455 y235e wd6 h17\"><div class=\"t m0 x7e h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Buildi<span class=\"_ _0\"></span>ngs<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y235e wa7 h17\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y235e w112 h17\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x458 y235e w168 h17\"><div class=\"t m0 x84 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Buildi<span class=\"_ _0\"></span>ngs<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y235e w17c h17\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y235e w112 h17\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x455 y235f wd6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y235f wa7 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y235f w112 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x458 y235f w168 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y235f w17c h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y235f w112 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2360 w140 h1d\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">At 1 Ja<span class=\"_ _0\"></span>nuary 2<span class=\"_ _0\"></span>02<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2361 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2361 wd6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,095<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2361 w17d h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">435<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2361 wa6 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,530<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x458 y2361 w17e h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,909<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2361 w17c h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">120<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2361 w112 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,029<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2362 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2362 wd6 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,825)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2362 w17d h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(263)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2362 wa6 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,088)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x458 y2362 w17e h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(996)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2362 w17c h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(22)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2362 w112 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,018)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2363 w140 h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x455 y2363 wd6 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,270<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2363 w17d h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">172<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2363 wa6 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,442<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x458 y2363 w17e h17\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,913<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2363 w17c h17\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">98<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2363 w112 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,011<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2364 w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span>4<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2365 w140 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2365 w17f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,270<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2365 we6 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">172<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2365 wa6 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,442<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y2365 w181 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,913<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2365 w113 h17\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">98<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2365 w112 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,011<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2366 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2366 w17f h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x456 y2366 we6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2366 wa6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y2366 w181 h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x459 y2366 w113 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2366 w112 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2367 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Adjustme<span class=\"_ _0\"></span>nts upon reas<span class=\"_ _0\"></span>sessm<span class=\"_ _0\"></span>ent <span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45c y2369 w255 h205\"><div class=\"t m0 x26e h3 y2368 ff1 fs1 fc0 sc0 ls5 ws6\">of leas<span class=\"_ _1\"></span>e term in r<span class=\"_ _1\"></span>espect o<span class=\"_ _1\"></span>f<span class=\"_ _bc\"> </span></div><div class=\"t m0 x45b h3 y2270 ff1 fs1 fc0 sc0 ls5 ws6\">extens<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> (see No<span class=\"_ _1\"></span>te 12)<span class=\"_ _bc\"> </span></div></td><td class=\"c x455 y236a w17f h17\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236a we6 h17\"><div class=\"t m0 xcd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x457 y236a wa6 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236a w181 h17\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x459 y236a w113 h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x45a y236a w112 h17\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y236b w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y236b w17f h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(477)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236b we6 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(105)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y236b wa6 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(582)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236b w181 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(278)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y236b w113 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(42)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y236b w112 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(320)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y236c w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">At<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">31 Decem<span class=\"_ _1\"></span>ber 2024</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x455 y236c w17f h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,650<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236c we6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">189<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y236c wa6 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,839<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236c w181 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,635<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y236c w113 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y236c w112 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,813<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y236d w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y236e w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y236e w17f h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,952<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236e we6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">557<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y236e wa6 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,509<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236e w181 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,909<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y236e w113 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">242<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y236e w112 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,151<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y236f w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y236f w17f h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,302)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236f we6 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(368)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y236f wa6 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,670)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236f w181 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,274)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y236f w113 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(64)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y236f w112 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,338)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2370 w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x455 y2370 w17f h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,650<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2370 we6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">189<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2370 wa6 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,839<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y2370 w181 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,635<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2370 w113 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2370 w112 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,813<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2371 w140 h1d\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span><span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2372 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x455 y2372 w17f h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,650<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2372 we6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2372 wa6 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,839<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2372 w181 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,635<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y2372 w113 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">178<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2372 w112 h18\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,813<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2373 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2373 w17f h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">1 ,702<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2373 we6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">752<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2373 wa6 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,454<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2373 w181 h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y2373 w113 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2373 w112 h18\"><div class=\"t m0 xb5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2374 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Derecognitio<span class=\"_ _1\"></span>n <span class=\"ls8 wsa\">upon termi<span class=\"_ _0\"></span>nation</span><span class=\"ls8 wsa\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x455 y2374 w17f h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(633)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2374 we6 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(35)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2374 wa6 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(668)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2374 w181 h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y2374 w113 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(35)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2374 w112 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(35)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2375 w140 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Adjustme<span class=\"_ _0\"></span>nts upon reas<span class=\"_ _0\"></span>sessm<span class=\"_ _0\"></span>ent <span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45c y2377 w255 h206\"><div class=\"t m0 x26e h3 y2376 ff1 fs1 fc0 sc0 ls5 ws6\">of leas<span class=\"_ _1\"></span>e term in r<span class=\"_ _1\"></span>espect o<span class=\"_ _1\"></span>f<span class=\"_ _bc\"> </span></div><div class=\"t m0 x45b h3 y2270 ff1 fs1 fc0 sc0 ls5 ws6\">extens<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> (see No<span class=\"_ _1\"></span>te 12)<span class=\"_ _bc\"> </span></div></td><td class=\"c x455 y2378 w17f h18\"><div class=\"t m0 x104 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x456 y2378 we6 h18\"><div class=\"t m0 xcd h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x457 y2378 wa6 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x40e y2378 w181 h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y2378 w113 h18\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x45a y2378 w112 h18\"><div class=\"t m0 x10b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2379 w140 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2379 w17f h17\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(643)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2379 we6 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(153)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2379 wa6 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(796)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2379 w181 h17\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(278)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y2379 w113 h17\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(63)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2379 w112 h17\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(341)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x270 y237a w256 h206\"><div class=\"t m0 x26e h3 y2376 ff1 fs1 fc0 sc0 ls6 ws7\">Depreciation re<span class=\"_ _1\"></span>leased on<span class=\"_ _bc\"> </span></div><div class=\"t m0 x45d h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">derecognition<span class=\"_ _1\"></span> <span class=\"ls8 ws16\">upon<span class=\"_ _bc\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y237b w140 h168\"><div class=\"t m0 x88 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">termina<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y237b w17f h168\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">615<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y237b we6 h168\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">4<span class=\"ffa\"> </span></div></td><td class=\"c x457 y237b wa6 h168\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">619<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y237b w181 h168\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y237b w113 h168\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">4<span class=\"ffa\"> </span></div></td><td class=\"c x45a y237b w112 h168\"><div class=\"t m0 x49 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">4 </div></td></tr><tr><td class=\"c x402 y237c w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 31 December 2025<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y237c w17f h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,698<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y237c we6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y237c wa6 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,455<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y237c w181 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,357<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y237c w113 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">159<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y237c w112 h18\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,516<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y237d w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2025<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y237e w140 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y237e w17f h1d\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">8 ,028<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y237e we6 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,274<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y237e wa6 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,302<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y237e w181 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,909<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y237e w113 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">282<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y237e w112 h1d\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,191<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y237f w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y237f w17f h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(2,330)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y237f we6 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(517)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y237f wa6 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(2,847)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y237f w181 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,552)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y237f w113 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(123)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y237f w112 h18\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,675)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2380 w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x455 y2380 w17f h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,698<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2380 we6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2380 wa6 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,455<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2380 w181 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,357<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y2380 w113 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">159<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2380 w112 h18\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,516<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-514": {
   "value": "11.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Intang<span class=\"_ _0\"></span>ible a<span class=\"_ _0\"></span>ssets</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span><table class=\"s w24b h1ff\" id=\"_e114fb45-a0f9-4af5-9537-4dc2de803f24\"><tr><td></td><td></td><td class=\"c x42d y2301 w16b h18\"><div class=\"t m0 x1ba h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x42e y2301 w101 h18\"><div class=\"t m0 x113 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x42f y2302 w51 h1f\"><div class=\"t m0 xd6 h9 y196 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x430 h9 y2303 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x431 h9 y2303 ff3 fs1 fc0 sc0 ls1 ws1\">i<span class=\"ls20 ws7e\">ntang<span class=\"_ _0\"></span>ible</span><span class=\"ls20 ws7e\"><span class=\"ls1 ws1\"> </span></span></td><td></td><td class=\"t m0 x432 h9 y2303 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x42d y2302 wd h1f\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">Good<span class=\"_ _1\"></span>will<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x433 y2302 w5a h1f\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">softwar<span class=\"_ _1\"></span>e<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2302 w51 h1f\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">assets<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x434 y2302 w50 h1f\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x435 y2302 w8f h1f\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls24 ws9\">softwar<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x42d y2304 wd h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x433 y2304 w5a h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2304 w51 h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x434 y2304 w50 h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x435 y2304 w8f h1d\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2305 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 1 Januar<span class=\"_ _1\"></span>y 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2306 w16c h161\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2306 wfc h161\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2306 w13d h161\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,449<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2306 w16d h161\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2306 w16e h161\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2306 w16f h161\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2307 w16c h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2307 wfc h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y2307 w13d h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,200)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2307 w16d h17\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(54)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2307 w16e h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,254)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2307 w16f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,430)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2308 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2308 wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2308 w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,249<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2308 w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2308 w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,192<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2308 w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2309 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span>4<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y230a w16c h162\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230a wfc h162\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230a w13d h162\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,249<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230a w16d h162\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230a w16e h162\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,192<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230a w16f h162\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230b w16c h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230b wfc h1d\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y230b w13d h1d\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">578<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230b w16d h1d\"><div class=\"t m0 xce h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3ff y230b w16e h1d\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">578<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230b w16f h1d\"><div class=\"t m0 x46 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y230c w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amortisation for the<span class=\"_ _0\"></span> year<span class=\"ffb ls1\"> </span></div></td><td class=\"c x42d y230c wfc h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y230c w13d h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(567)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230c w16d h18\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(17)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230c w16e h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(584)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230c w16f h18\"><div class=\"t m0 x104 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230d w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y230d wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230d w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230d w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230d w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230d w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230e w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">At<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">31 Decem<span class=\"_ _1\"></span>ber 2024</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y230f w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230f wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230f w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,027<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230f w16d h18\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230f w16e h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230f w16f h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2310 w16c h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2310 wfc h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y2310 w13d h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,767)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2310 w16d h17\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(71)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2310 w16e h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,838)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2310 w16f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,439)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2311 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2311 wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2311 w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2311 w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2311 w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2311 w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2312 w16c h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span><span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2313 w16c h162\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2313 wfc h162\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2313 w13d h162\"><div class=\"t m0 x4f h15 y18cb ff3 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2313 w16d h162\"><div class=\"t m0 x11e h15 y18cb ff3 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2313 w16e h162\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y2313 w16f h162\"><div class=\"t m0 x27 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2314 w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2314 wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y2314 w13d h18\"><div class=\"t m0 x125 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">52<span class=\"ls1 ws1\">4<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x437 y2314 w16d h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x3ff y2314 w16e h18\"><div class=\"t m0 x125 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">524<span class=\"_ _bc\"> </span></div></td><td class=\"c x42e y2314 w16f h18\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2315 w16c h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Acquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary<span class=\"ls1 ws1\"> <span class=\"ls1c ws6f\">(N<span class=\"_ _1\"></span>ote 9<span class=\"_ _1\"></span>)</span><span class=\"ffb\"> </span></span></div></td><td class=\"c x42d y2315 wfc h1d\"><div class=\"t m0 xd9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">63<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2315 w13d h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x437 y2315 w16d h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3ff y2315 w16e h1d\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">63<span class=\"ffa\"> </span></div></td><td class=\"c x42e y2315 w16f h1d\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2316 w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amortisation for the<span class=\"_ _0\"></span> year<span class=\"ffb ls1\"> </span></div></td><td class=\"c x42d y2316 wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y2316 w13d h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(61<span class=\"ls1 ws1\">9</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y2316 w16d h18\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(18)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2316 w16e h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(63<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y2316 w16f h18\"><div class=\"t m0 xe6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(7)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2317 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42d y2317 wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2317 w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,165<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2317 w16d h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2317 w16e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y2317 w16f h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x402 y2318 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2319 w16c h18\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2319 wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2319 w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,55<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y2319 w16d h18\"><div class=\"t m0 x125 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2319 w16e h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,61<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y2319 w16f h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y231a w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _bc\"> </span></div></td><td class=\"c x42d y231a wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y231a w13d h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(8,38<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y231a w16d h18\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(89)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y231a w16e h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(8,47<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y231a w16f h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3,446)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y231b w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y231b wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y231b w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,165<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y231b w16d h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y231b w16e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y231b w16f h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td></tr></table>11.1<span class=\"ls1 ws1\"> <span class=\"_ _86\"> </span><span class=\"lsb ws24\">Impairment test for<span class=\"_ _0\"></span> the cash<span class=\"ls1 ws1\">-</span>gener<span class=\"_ _0\"></span>ating unit to<span class=\"_ _0\"></span> which goodw<span class=\"_ _0\"></span>ill has been al<span class=\"_ _0\"></span>located<span class=\"ls1 ws1\"> </span></span></span>The recogn<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> goodwi<span class=\"_ _1\"></span>ll rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s pay<span class=\"_ _1\"></span>ments mad<span class=\"_ _1\"></span>e by the Grou<span class=\"_ _1\"></span>p in ant<span class=\"_ _1\"></span>icipat<span class=\"_ _1\"></span>ion of futu<span class=\"_ _1\"></span>re economi<span class=\"_ _1\"></span>c benef<span class=\"_ _0\"></span>its from<span class=\"_ _0\"></span> assets that ar<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>t capable<span class=\"_ _0\"></span> of bei<span class=\"_ _0\"></span>ng indivi<span class=\"_ _0\"></span>dual<span class=\"_ _0\"></span>ly ident<span class=\"_ _0\"></span>ifie<span class=\"_ _0\"></span>d and separate<span class=\"_ _0\"></span>ly r<span class=\"_ _0\"></span>ecog<span class=\"_ _0\"></span>nised. As at<span class=\"_ _11\"></span> 31 December 202<span class=\"ls1 ws1\">5 <span class=\"_ _14\"> </span><span class=\"ls8 ws33\">the recognised goodwi<span class=\"_ _0\"></span>ll amo<span class=\"_ _0\"></span>unted to<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">\u20ac920,000</span> <span class=\"_ _10\"> </span><span class=\"ls6 ws8\">(2024: <span class=\"_ _14\"> </span>\u20ac85<span class=\"_ _1\"></span>7,000</span>) <span class=\"_ _14\"></span></span>and related to <span class=\"ls5 ws7\">the </span></span></span>acquisi<span class=\"_ _1\"></span>tion <span class=\"ls7 ws4e\">of<span class=\"ls1 ws1\"> </span></span><span class=\"ws7\">MaltaPo<span class=\"_ _1\"></span>st p.l.c.<span class=\"ls1 ws1\"> <span class=\"ls7 ws4e\">and</span> <span class=\"ls7 ws4e\">of</span> </span>its su<span class=\"_ _1\"></span>bsidiary, Dor<span class=\"_ _1\"></span>max<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">(see No<span class=\"_ _1\"></span>te 9)</span>. </span></span>In applying t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ments of IA<span class=\"_ _0\"></span>S 36, \u2018<span class=\"ls5 ws35\">Impairment o<span class=\"_ _1\"></span>f as<span class=\"_ _1\"></span>sets\u2019<span class=\"_ _1\"></span><span class=\"ls6 ws49\">, in relation<span class=\"_ _1\"></span> to goodwill arisin<span class=\"_ _1\"></span>g in business </span></span>combinat<span class=\"_ _0\"></span>ions, the D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tors carr<span class=\"_ _0\"></span>ied out an i<span class=\"_ _0\"></span>mpairm<span class=\"_ _0\"></span>ent te<span class=\"_ _0\"></span>st at the end of<span class=\"_ _0\"></span> the re<span class=\"_ _0\"></span>porting pe<span class=\"_ _0\"></span>riod to obt<span class=\"_ _0\"></span>ain comfort<span class=\"_ _1\"></span> that t<span class=\"_ _1\"></span>he r<span class=\"_ _1\"></span>ecoverab<span class=\"_ _1\"></span>le a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> of the ca<span class=\"_ _1\"></span>sh<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">genera<span class=\"_ _1\"></span>ting unit t<span class=\"_ _1\"></span>o which goodwill h<span class=\"_ _1\"></span>as b<span class=\"_ _1\"></span>een allocated is a<span class=\"_ _1\"></span>t</span> </span>least equa<span class=\"_ _1\"></span>l to its carry<span class=\"_ _1\"></span>ing amount.<span class=\"ls1 ws1\"> </span>The recov<span class=\"_ _1\"></span>erab<span class=\"_ _1\"></span>le amou<span class=\"_ _1\"></span>nt of t<span class=\"_ _1\"></span>he cash<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">generating uni<span class=\"_ _1\"></span>t is based<span class=\"_ _1\"></span> on fair valu<span class=\"_ _1\"></span>e less costs to sell.  </span></span>This calculation take<span class=\"_ _0\"></span>s into account the marke<span class=\"_ _0\"></span>t capitalisation of Malt<span class=\"_ _0\"></span>aPost<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws11\">p.l.c.<span class=\"_ _0\"></span> based on the<span class=\"_ _0\"></span> quoted pric<span class=\"_ _0\"></span>e </span></span>of its equity on the Malta S<span class=\"_ _0\"></span>tock Exchange at a price<span class=\"_ _0\"></span> per share of \u20ac<span class=\"ls6 ws8\">0.51<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span></span><span class=\"ws34\">as at 31 Dec<span class=\"_ _1\"></span>ember 202<span class=\"ls1 ws1\">5<span class=\"_ _1\"></span> <span class=\"_ _14\"></span><span class=\"lsd ws44\">(202</span>4<span class=\"ls7a ws12c\">: </span></span></span></span>\u20ac0.47). On this<span class=\"_ _1\"></span> basis, th<span class=\"_ _1\"></span>e recoverable amount<span class=\"_ _1\"></span> of the cash<span class=\"ls1 ws1\">-<span class=\"ls8 ws13\">generating unit<span class=\"_ _0\"></span> is higher<span class=\"_ _0\"></span> than i<span class=\"_ _0\"></span>ts car<span class=\"_ _0\"></span>rying am<span class=\"_ _0\"></span>ount.</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-503": {
   "value": "11.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Intang<span class=\"_ _0\"></span>ible a<span class=\"_ _0\"></span>ssets</span><table class=\"s w24b h1ff\" id=\"_e114fb45-a0f9-4af5-9537-4dc2de803f24\"><tr><td></td><td></td><td class=\"c x42d y2301 w16b h18\"><div class=\"t m0 x1ba h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x42e y2301 w101 h18\"><div class=\"t m0 x113 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x42f y2302 w51 h1f\"><div class=\"t m0 xd6 h9 y196 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x430 h9 y2303 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x431 h9 y2303 ff3 fs1 fc0 sc0 ls1 ws1\">i<span class=\"ls20 ws7e\">ntang<span class=\"_ _0\"></span>ible</span><span class=\"ls20 ws7e\"><span class=\"ls1 ws1\"> </span></span></td><td></td><td class=\"t m0 x432 h9 y2303 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x42d y2302 wd h1f\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">Good<span class=\"_ _1\"></span>will<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x433 y2302 w5a h1f\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">softwar<span class=\"_ _1\"></span>e<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2302 w51 h1f\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">assets<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x434 y2302 w50 h1f\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x435 y2302 w8f h1f\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls24 ws9\">softwar<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x42d y2304 wd h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x433 y2304 w5a h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2304 w51 h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x434 y2304 w50 h1d\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x435 y2304 w8f h1d\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2305 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 1 Januar<span class=\"_ _1\"></span>y 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2306 w16c h161\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2306 wfc h161\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2306 w13d h161\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,449<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2306 w16d h161\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2306 w16e h161\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2306 w16f h161\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2307 w16c h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2307 wfc h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y2307 w13d h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,200)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2307 w16d h17\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(54)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2307 w16e h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,254)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2307 w16f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,430)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2308 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2308 wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2308 w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,249<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2308 w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2308 w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,192<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2308 w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2309 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span>4<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y230a w16c h162\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230a wfc h162\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230a w13d h162\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,249<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230a w16d h162\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230a w16e h162\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,192<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230a w16f h162\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230b w16c h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230b wfc h1d\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y230b w13d h1d\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">578<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230b w16d h1d\"><div class=\"t m0 xce h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3ff y230b w16e h1d\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">578<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230b w16f h1d\"><div class=\"t m0 x46 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y230c w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amortisation for the<span class=\"_ _0\"></span> year<span class=\"ffb ls1\"> </span></div></td><td class=\"c x42d y230c wfc h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y230c w13d h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(567)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230c w16d h18\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(17)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230c w16e h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(584)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230c w16f h18\"><div class=\"t m0 x104 h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">(9)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230d w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y230d wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230d w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230d w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230d w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230d w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y230e w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">At<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">31 Decem<span class=\"_ _1\"></span>ber 2024</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y230f w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y230f wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y230f w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,027<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y230f w16d h18\"><div class=\"t m0 x125 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y230f w16e h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y230f w16f h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2310 w16c h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2310 wfc h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x436 y2310 w13d h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,767)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2310 w16d h17\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(71)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2310 w16e h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,838)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2310 w16f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,439)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2311 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2311 wfc h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x436 y2311 w13d h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x437 y2311 w16d h18\"><div class=\"t m0 x11e h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2311 w16e h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42e y2311 w16f h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2312 w16c h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span><span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2313 w16c h162\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2313 wfc h162\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2313 w13d h162\"><div class=\"t m0 x4f h15 y18cb ff3 fs1 fc0 sc0 ls6 ws8\">1,260<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2313 w16d h162\"><div class=\"t m0 x11e h15 y18cb ff3 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2313 w16e h162\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,186<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y2313 w16f h162\"><div class=\"t m0 x27 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2314 w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42d y2314 wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y2314 w13d h18\"><div class=\"t m0 x125 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">52<span class=\"ls1 ws1\">4<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x437 y2314 w16d h18\"><div class=\"t m0 xce h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x3ff y2314 w16e h18\"><div class=\"t m0 x125 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">524<span class=\"_ _bc\"> </span></div></td><td class=\"c x42e y2314 w16f h18\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2315 w16c h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Acquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary<span class=\"ls1 ws1\"> <span class=\"ls1c ws6f\">(N<span class=\"_ _1\"></span>ote 9<span class=\"_ _1\"></span>)</span><span class=\"ffb\"> </span></span></div></td><td class=\"c x42d y2315 wfc h1d\"><div class=\"t m0 xd9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">63<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2315 w13d h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x437 y2315 w16d h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3ff y2315 w16e h1d\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">63<span class=\"ffa\"> </span></div></td><td class=\"c x42e y2315 w16f h1d\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2316 w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amortisation for the<span class=\"_ _0\"></span> year<span class=\"ffb ls1\"> </span></div></td><td class=\"c x42d y2316 wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y2316 w13d h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(61<span class=\"ls1 ws1\">9</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y2316 w16d h18\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(18)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2316 w16e h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(63<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y2316 w16f h18\"><div class=\"t m0 xe6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(7)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2317 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42d y2317 wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2317 w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,165<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2317 w16d h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2317 w16e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y2317 w16f h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x402 y2318 w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2319 w16c h18\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost <span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y2319 wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y2319 w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,55<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y2319 w16d h18\"><div class=\"t m0 x125 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">140<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y2319 w16e h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,61<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y2319 w16f h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,449<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y231a w16c h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated amo<span class=\"_ _1\"></span>rtisation<span class=\"_ _bc\"> </span></div></td><td class=\"c x42d y231a wfc h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x436 y231a w13d h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(8,38<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x437 y231a w16d h18\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(89)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y231a w16e h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(8,47<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x42e y231a w16f h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3,446)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y231b w16c h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42d y231b wfc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">920<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x436 y231b w13d h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,165<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y231b w16d h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3ff y231b w16e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42e y231b w16f h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td></tr></table>11.1<span class=\"ls1 ws1\"> <span class=\"_ _86\"> </span><span class=\"lsb ws24\">Impairment test for<span class=\"_ _0\"></span> the cash<span class=\"ls1 ws1\">-</span>gener<span class=\"_ _0\"></span>ating unit to<span class=\"_ _0\"></span> which goodw<span class=\"_ _0\"></span>ill has been al<span class=\"_ _0\"></span>located<span class=\"ls1 ws1\"> </span></span></span>The recogn<span class=\"_ _1\"></span>ised<span class=\"_ _1\"></span> goodwi<span class=\"_ _1\"></span>ll rep<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>s pay<span class=\"_ _1\"></span>ments mad<span class=\"_ _1\"></span>e by the Grou<span class=\"_ _1\"></span>p in ant<span class=\"_ _1\"></span>icipat<span class=\"_ _1\"></span>ion of futu<span class=\"_ _1\"></span>re economi<span class=\"_ _1\"></span>c benef<span class=\"_ _0\"></span>its from<span class=\"_ _0\"></span> assets that ar<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>t capable<span class=\"_ _0\"></span> of bei<span class=\"_ _0\"></span>ng indivi<span class=\"_ _0\"></span>dual<span class=\"_ _0\"></span>ly ident<span class=\"_ _0\"></span>ifie<span class=\"_ _0\"></span>d and separate<span class=\"_ _0\"></span>ly r<span class=\"_ _0\"></span>ecog<span class=\"_ _0\"></span>nised. As at<span class=\"_ _11\"></span> 31 December 202<span class=\"ls1 ws1\">5 <span class=\"_ _14\"> </span><span class=\"ls8 ws33\">the recognised goodwi<span class=\"_ _0\"></span>ll amo<span class=\"_ _0\"></span>unted to<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws8\">\u20ac920,000</span> <span class=\"_ _10\"> </span><span class=\"ls6 ws8\">(2024: <span class=\"_ _14\"> </span>\u20ac85<span class=\"_ _1\"></span>7,000</span>) <span class=\"_ _14\"></span></span>and related to <span class=\"ls5 ws7\">the </span></span></span>acquisi<span class=\"_ _1\"></span>tion <span class=\"ls7 ws4e\">of<span class=\"ls1 ws1\"> </span></span><span class=\"ws7\">MaltaPo<span class=\"_ _1\"></span>st p.l.c.<span class=\"ls1 ws1\"> <span class=\"ls7 ws4e\">and</span> <span class=\"ls7 ws4e\">of</span> </span>its su<span class=\"_ _1\"></span>bsidiary, Dor<span class=\"_ _1\"></span>max<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">(see No<span class=\"_ _1\"></span>te 9)</span>. </span></span>In applying t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>equire<span class=\"_ _0\"></span>ments of IA<span class=\"_ _0\"></span>S 36, \u2018<span class=\"ls5 ws35\">Impairment o<span class=\"_ _1\"></span>f as<span class=\"_ _1\"></span>sets\u2019<span class=\"_ _1\"></span><span class=\"ls6 ws49\">, in relation<span class=\"_ _1\"></span> to goodwill arisin<span class=\"_ _1\"></span>g in business </span></span>combinat<span class=\"_ _0\"></span>ions, the D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tors carr<span class=\"_ _0\"></span>ied out an i<span class=\"_ _0\"></span>mpairm<span class=\"_ _0\"></span>ent te<span class=\"_ _0\"></span>st at the end of<span class=\"_ _0\"></span> the re<span class=\"_ _0\"></span>porting pe<span class=\"_ _0\"></span>riod to obt<span class=\"_ _0\"></span>ain comfort<span class=\"_ _1\"></span> that t<span class=\"_ _1\"></span>he r<span class=\"_ _1\"></span>ecoverab<span class=\"_ _1\"></span>le a<span class=\"_ _1\"></span>mount<span class=\"_ _1\"></span> of the ca<span class=\"_ _1\"></span>sh<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">genera<span class=\"_ _1\"></span>ting unit t<span class=\"_ _1\"></span>o which goodwill h<span class=\"_ _1\"></span>as b<span class=\"_ _1\"></span>een allocated is a<span class=\"_ _1\"></span>t</span> </span>least equa<span class=\"_ _1\"></span>l to its carry<span class=\"_ _1\"></span>ing amount.<span class=\"ls1 ws1\"> </span>The recov<span class=\"_ _1\"></span>erab<span class=\"_ _1\"></span>le amou<span class=\"_ _1\"></span>nt of t<span class=\"_ _1\"></span>he cash<span class=\"_ _1\"></span><span class=\"ls1 ws1\">-<span class=\"ls6 ws7\">generating uni<span class=\"_ _1\"></span>t is based<span class=\"_ _1\"></span> on fair valu<span class=\"_ _1\"></span>e less costs to sell.  </span></span>This calculation take<span class=\"_ _0\"></span>s into account the marke<span class=\"_ _0\"></span>t capitalisation of Malt<span class=\"_ _0\"></span>aPost<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls8 ws11\">p.l.c.<span class=\"_ _0\"></span> based on the<span class=\"_ _0\"></span> quoted pric<span class=\"_ _0\"></span>e </span></span>of its equity on the Malta S<span class=\"_ _0\"></span>tock Exchange at a price<span class=\"_ _0\"></span> per share of \u20ac<span class=\"ls6 ws8\">0.51<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span></span><span class=\"ws34\">as at 31 Dec<span class=\"_ _1\"></span>ember 202<span class=\"ls1 ws1\">5<span class=\"_ _1\"></span> <span class=\"_ _14\"></span><span class=\"lsd ws44\">(202</span>4<span class=\"ls7a ws12c\">: </span></span></span></span>\u20ac0.47). On this<span class=\"_ _1\"></span> basis, th<span class=\"_ _1\"></span>e recoverable amount<span class=\"_ _1\"></span> of the cash<span class=\"ls1 ws1\">-<span class=\"ls8 ws13\">generating unit<span class=\"_ _0\"></span> is higher<span class=\"_ _0\"></span> than i<span class=\"_ _0\"></span>ts car<span class=\"_ _0\"></span>rying am<span class=\"_ _0\"></span>ount.</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-462": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs7e2\">12.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Property<span class=\"_ _0\"></span>, plan<span class=\"_ _0\"></span>t and<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent<span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"gsb6\"><table class=\"s w24c h200\" id=\"_3ec808b3-1147-4083-be87-643a841e1a44\"><tr><td></td><td class=\"c x3f5 y231c w54 h31\"><div class=\"t m0 xdf h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Land and<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td><td class=\"c x3fa y231c wd5 h31\"><div class=\"t m0 xe2 h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws7e\">Computer<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3f0 y231c wdd h31\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y231c w54 h31\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">buildi<span class=\"_ _0\"></span>ngs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y231c wd5 h31\"><div class=\"t m0 x10 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">equipment<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y231c w54 h31\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y231c wd5 h31\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y231d w54 h152\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y231d wd5 h152\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y231d w54 h152\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y231d wd5 h152\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y231e wdd h8e\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">At 1 Ja<span class=\"_ _0\"></span>nuary 2<span class=\"_ _0\"></span>02<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y231f wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Cost or valuation<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y231f w54 h152\"><div class=\"t m0 x113 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">65,117<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y231f wd5 h152\"><div class=\"t m0 xe5 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">5,972<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y231f w54 h152\"><div class=\"t m0 x113 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">16,159<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y231f wd5 h152\"><div class=\"t m0 x113 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">87,248<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2320 wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2320 w54 h153\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(4,709)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2320 wd5 h153\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(4,743)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2320 w54 h153\"><div class=\"t m0 x90 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(11,285)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2320 wd5 h153\"><div class=\"t m0 x90 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(20,737)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2321 wdd h152\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2321 w54 h152\"><div class=\"t m0 x113 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">60,408<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2321 wd5 h152\"><div class=\"t m0 xe5 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">1,229<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2321 w54 h152\"><div class=\"t m0 xe5 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">4,874<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2321 wd5 h152\"><div class=\"t m0 x113 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">66,511<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2322 wdd h8e\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span>4<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2323 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2323 w54 h152\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">60,408<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2323 wd5 h152\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,229<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2323 w54 h152\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">4,874<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2323 wd5 h152\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">66,511<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2324 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Revaluatio<span class=\"_ _1\"></span>n surplus<span class=\"_ _1\"></span> arising during t<span class=\"_ _1\"></span>he year:<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2325 wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">       <span class=\"ls7 ws1\">Effect on c<span class=\"_ _0\"></span>ost or valuation<span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y2325 w54 h153\"><div class=\"t m0 x35 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">3,839<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2325 wd5 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y2325 w54 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fc y2325 wd5 h153\"><div class=\"t m0 x35 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">3,839<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2326 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">       <span class=\"ls5 ws6\">Effect o<span class=\"_ _1\"></span>n accumu<span class=\"_ _1\"></span>lated<span class=\"_ _1\"></span> depreci<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3f5 y2326 w54 h152\"><div class=\"t m0 x35 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">1,219<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2326 wd5 h152\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y2326 w54 h152\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fc y2326 wd5 h152\"><div class=\"t m0 x35 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">1,219<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2327 wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2327 w54 h8e\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">120<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2327 wd5 h8e\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">582<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2327 w54 h8e\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,362<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2327 wd5 h8e\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">2,064<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2328 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Dispos<span class=\"_ _1\"></span>als<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2328 w54 h152\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(120)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2328 wd5 h152\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(237)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2328 w54 h152\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(184)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2328 wd5 h152\"><div class=\"t m0 xd6 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">(541)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2329 wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls9 ws8\">Adjustments to right<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of</span>-<span class=\"lse ws2c\">use<span class=\"_ _0\"></span> assets</span></span><span class=\"ls1 ws1\"><span class=\"lse ws2c\"><span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x3f5 y2329 w54 h153\"><div class=\"t m0 xd8 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2329 wd5 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y2329 w54 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fc y2329 wd5 h153\"><div class=\"t m0 xd8 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232a wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y232a w54 h152\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(1,430)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y232a wd5 h152\"><div class=\"t m0 xd6 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(533)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y232a w54 h152\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(1,077)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232a wd5 h152\"><div class=\"t m0 x1d h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(3,040)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232b wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Depreciation re<span class=\"_ _1\"></span>leased on d<span class=\"_ _1\"></span>isposa<span class=\"_ _1\"></span>ls<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y232b w54 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">120<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y232b wd5 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">237<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y232b w54 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">184<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232b wd5 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">541<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232c wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Other adj<span class=\"_ _0\"></span>ustment<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y232d wdd h164\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">       <span class=\"ls7 ws1\">Effect on c<span class=\"_ _0\"></span>ost or valuation<span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x3f5 y232d w54 h164\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fa y232d wd5 h164\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y232d w54 h164\"><div class=\"t m0 x49 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(24)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232d wd5 h164\"><div class=\"t m0 x49 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(24)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232e wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">       <span class=\"ls5 ws6\">Effect o<span class=\"_ _1\"></span>n accumu<span class=\"_ _1\"></span>lated<span class=\"_ _1\"></span> depreci<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span></span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x3f5 y232e w54 h8e\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fa y232e wd5 h8e\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y232e w54 h8e\"><div class=\"t m0 x69 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">24<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232e wd5 h8e\"><div class=\"t m0 x69 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">24<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y232f wdd h152\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y232f w54 h152\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">65,013<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y232f wd5 h152\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,278<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y232f w54 h152\"><div class=\"t m0 x35 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">5,159<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y232f wd5 h152\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">71,450<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2330 wdd h152\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">At<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">31 Decem<span class=\"_ _1\"></span>ber 2024</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2331 wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Cost or valuation<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y2331 w54 h153\"><div class=\"t m0 xd4 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">69,813<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2331 wd5 h153\"><div class=\"t m0 x22 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">6,317<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2331 w54 h153\"><div class=\"t m0 x90 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">17,313<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2331 wd5 h153\"><div class=\"t m0 x33 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">93,443<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2332 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2332 w54 h152\"><div class=\"t m0 x113 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(4,800)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2332 wd5 h152\"><div class=\"t m0 x113 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(5,039)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2332 w54 h152\"><div class=\"t m0 xdb h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(12,154)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2332 wd5 h152\"><div class=\"t m0 x80 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">(21,993)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2333 wdd h8e\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2333 w54 h8e\"><div class=\"t m0 xd4 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">65,013<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y2333 wd5 h8e\"><div class=\"t m0 x22 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,278<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2333 w54 h8e\"><div class=\"t m0 x22 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">5,159<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2333 wd5 h8e\"><div class=\"t m0 x33 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">71,450<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2334 wdd h153\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span><span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2335 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2335 w54 h152\"><div class=\"t m0 x33 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">65,013<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2335 wd5 h152\"><div class=\"t m0 x35 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">1,278<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y2335 w54 h152\"><div class=\"t m0 x35 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">5,159<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y2335 wd5 h152\"><div class=\"t m0 x33 h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">71,450<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2336 wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2336 w54 h152\"><div class=\"t m0 x35 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">2,590<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2336 wd5 h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">463<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y2336 w54 h152\"><div class=\"t m0 x35 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">1,35<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3fc y2336 wd5 h152\"><div class=\"t m0 x35 h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">4,40<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2337 wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">A<span class=\"ls6 ws7\">cquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y2337 w54 h8e\"><div class=\"t m0 x69 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">76<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2337 wd5 h8e\"><div class=\"t m0 x37 h15 y9bd ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3fb y2337 w54 h8e\"><div class=\"t m0 x69 h15 y9bd ff3 fs1 fc0 sc0 ls1 ws1\">35<span class=\"ffa\"> </span></div></td><td class=\"c x3fc y2337 wd5 h8e\"><div class=\"t m0 xd8 h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">111<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2338 wdd h164\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Dispos<span class=\"_ _1\"></span>als <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2338 w54 h164\"><div class=\"t m0 xd6 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(963)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2338 wd5 h164\"><div class=\"t m0 x49 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(22)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y2338 w54 h164\"><div class=\"t m0 xd6 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(161)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y2338 wd5 h164\"><div class=\"t m0 x1d h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(1,146)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2339 wdd h8e\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls9 ws8\">Adjustments to right<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of</span>-<span class=\"lse ws2c\">use<span class=\"_ _0\"></span> assets</span></span><span class=\"ls1 ws1\"><span class=\"lse ws2c\"><span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x3f5 y2339 w54 h8e\"><div class=\"t m0 x6b h15 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x3fa y2339 wd5 h8e\"><div class=\"t m0 x37 h15 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3fb y2339 w54 h8e\"><div class=\"t m0 x37 h15 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3fc y2339 wd5 h8e\"><div class=\"t m0 x6b h9 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">7 </div></td></tr><tr><td class=\"c x3f0 y233a wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y233a w54 h152\"><div class=\"t m0 xcb h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">(1,134)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233a wd5 h152\"><div class=\"t m0 xb5 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">(585)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233a w54 h152\"><div class=\"t m0 xcb h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">(1,232)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233a wd5 h152\"><div class=\"t m0 x1d h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">(2,951)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y233b wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Depreciation re<span class=\"_ _1\"></span>leased on d<span class=\"_ _1\"></span>isposa<span class=\"_ _1\"></span>ls<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y233b w54 h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">617<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233b wd5 h152\"><div class=\"t m0 x69 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233b w54 h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233b wd5 h152\"><div class=\"t m0 xd8 h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y233c wdd h164\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December 202<span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f5 y233c w54 h164\"><div class=\"t m0 x33 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">66,206<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233c wd5 h164\"><div class=\"t m0 x35 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">1,152<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233c w54 h164\"><div class=\"t m0 x35 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">5,277<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233c wd5 h164\"><div class=\"t m0 x33 h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">72,635<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y233d wdd h2f\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2025<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y233e wdd h152\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Cost or valuation<span class=\"ffb ls1\"> </span></div></td><td class=\"c x3f5 y233e w54 h152\"><div class=\"t m0 x90 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">71,547<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233e wd5 h152\"><div class=\"t m0 x22 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">6,758<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233e w54 h152\"><div class=\"t m0 x90 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">19,236<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233e wd5 h152\"><div class=\"t m0 x33 h9 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">97,541<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y233f wdd h153\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y233f w54 h153\"><div class=\"t m0 x113 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(5,341)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y233f wd5 h153\"><div class=\"t m0 x113 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(5,606)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y233f w54 h153\"><div class=\"t m0 xdb h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(13,959)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y233f wd5 h153\"><div class=\"t m0 x80 h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">(24,906)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2340 wdd h8e\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2340 w54 h8e\"><div class=\"t m0 x90 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">66,206<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2340 wd5 h8e\"><div class=\"t m0 x22 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">1,152<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fb y2340 w54 h8e\"><div class=\"t m0 x22 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">5,277<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y2340 wd5 h8e\"><div class=\"t m0 x33 h9 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">72,635<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws39 gs7e7\">In 202<span class=\"ls1 ws1\">4<span class=\"ls8 ws3a\">, the adjustm<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span> to the<span class=\"_ _0\"></span> Group\u2019<span class=\"_ _0\"></span>s right<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of<span class=\"_ _0\"></span><span class=\"ls1 ws1\">-<span class=\"ls5 ws72\">use ass<span class=\"_ _1\"></span>ets referr<span class=\"_ _1\"></span>ed to in<span class=\"_ _1\"></span> the tab<span class=\"_ _1\"></span>le above, co<span class=\"_ _1\"></span>mprise t<span class=\"_ _1\"></span>he </span></span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws66 gs7e8\">impact<span class=\"_ _1\"></span>s of th<span class=\"_ _1\"></span>e reass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>t of t<span class=\"_ _1\"></span>he leas<span class=\"_ _1\"></span>e term i<span class=\"_ _1\"></span>n resp<span class=\"_ _1\"></span>ect of l<span class=\"_ _1\"></span>eas<span class=\"_ _1\"></span>e exten<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s <span class=\"ls9 ws163\">attributable to<span class=\"ls1 ws1\">  </span></span><span class=\"ws7\">l<span class=\"_ _1\"></span>ease </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs7e9\">agree<span class=\"_ _1\"></span>ments o<span class=\"_ _1\"></span>f <span class=\"ls7 ws4e\">MaltaPost<span class=\"ls1 ws1\"> <span class=\"lsa ws24\">p.l.c<span class=\"ls6 ws7\">, which result<span class=\"_ _1\"></span>ed in an increas<span class=\"_ _1\"></span>e in right</span></span>-</span>of<span class=\"ls1 ws1\">-<span class=\"lse ws2c\">use assets o<span class=\"_ _0\"></span>f <span class=\"ls1 ws1\">\u20ac<span class=\"ls6 ws8\">857,000</span>.  </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs7ea\">Land and buil<span class=\"_ _0\"></span>dings<span class=\"_ _0\"></span> presente<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he table<span class=\"_ _0\"></span>s above<span class=\"_ _0\"></span> include<span class=\"_ _0\"></span> improve<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s to lease<span class=\"_ _0\"></span>hold prop<span class=\"_ _0\"></span>ertie<span class=\"_ _0\"></span>s as foll<span class=\"_ _0\"></span>ows:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w24d h201\" id=\"_ce336bfc-71de-4679-8c48-4aea8887fd49\"><tr><td></td><td></td><td class=\"c x438 y2341 w172 h96\"><div class=\"t m0 x14e h15 y3eb ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x439 y2341 wc8 h96\"><div class=\"t m0 x106 h9 y3eb ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x438 y2342 w90 h9e\"><div class=\"t m0 xd6 h9 y979 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x43a y2342 w173 h9e\"><div class=\"t m0 x26 h3 y979 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x439 y2342 wd5 h9e\"><div class=\"t m0 x26 h9 y979 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ls1 ws1\"> </span></div></td><td class=\"c x43b y2342 w54 h9e\"><div class=\"t m0 x26 h3 y979 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x438 y2342 w90 h9e\"><div class=\"t m0 xb5 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43a y2342 w173 h9e\"><div class=\"t m0 x35 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x439 y2342 wd5 h9e\"><div class=\"t m0 x35 h9 y3eb ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x43b y2342 w54 h9e\"><div class=\"t m0 x35 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2343 w171 h94\"><div class=\"t m0 x10 h15 y3eb ff3 fs1 fc0 sc0 ls20 ws4e\">At 1 Ja<span class=\"_ _0\"></span>nuary<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x438 y2343 w90 h94\"><div class=\"t m0 xe5 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">1,774<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43a y2343 w173 h94\"><div class=\"t m0 xe5 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">2,016<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x439 y2343 wd5 h94\"><div class=\"t m0 x35 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">1,424<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43b y2343 w54 h94\"><div class=\"t m0 x35 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">1,529<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2344 w171 h95\"><div class=\"t m0 x10 h3 y3eb ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x438 y2344 w90 h95\"><div class=\"t m0 xd8 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">513<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43a y2344 w173 h95\"><div class=\"t m0 x6b h3 y3eb ff1 fs1 fc0 sc0 ls1 ws1\">8<span class=\"ffb\"> </span></div></td><td class=\"c x439 y2344 wd5 h95\"><div class=\"t m0 x37 h15 y3eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x43b y2344 w54 h95\"><div class=\"t m0 x6b h3 y3eb ff1 fs1 fc0 sc0 ls1 ws1\">8 </div></td></tr><tr><td class=\"c x3f0 y2345 w171 h94\"><div class=\"t m0 x10 h3 y3eb ff1 fs1 fc0 sc0 ls1 ws1\">A<span class=\"ls6 ws7\">cquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary</span><span class=\"ffb\"> </span></div></td><td class=\"c x438 y2345 w90 h94\"><div class=\"t m0 x69 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">76<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43a y2345 w173 h94\"><div class=\"t m0 x37 h3 y3eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x439 y2345 wd5 h94\"><div class=\"t m0 x37 h15 y3eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td></td></tr><tr><td class=\"c x3f0 y2346 w171 h95\"><div class=\"t m0 x10 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">Dispos<span class=\"_ _1\"></span>als<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x438 y2346 w90 h95\"><div class=\"t m0 x37 h15 y3eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x43a y2346 w173 h95\"><div class=\"t m0 xd6 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">(120)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x439 y2346 wd5 h95\"><div class=\"t m0 x37 h15 y3eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x43b y2346 w54 h95\"><div class=\"t m0 xd6 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">(120)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2347 w171 hd5\"><div class=\"t m0 x10 h3 y829 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x438 y2347 w90 hd5\"><div class=\"t m0 xd6 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">(226)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43a y2347 w173 hd5\"><div class=\"t m0 xd6 h3 y829 ff1 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">250</span>)<span class=\"ffb\"> </span></div></td><td class=\"c x439 y2347 wd5 hd5\"><div class=\"t m0 xd6 h15 y829 ff3 fs1 fc0 sc0 ls6 ws8\">(113)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43b y2347 w54 hd5\"><div class=\"t m0 xd6 h3 y829 ff1 fs1 fc0 sc0 ls6 ws8\">(113)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2348 w171 hd5\"><div class=\"t m0 x10 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws7\">Depreciation re<span class=\"_ _1\"></span>leased on d<span class=\"_ _1\"></span>isposa<span class=\"_ _1\"></span>ls<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x438 y2348 w90 hd5\"><div class=\"t m0 x37 h15 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x43a y2348 w173 hd5\"><div class=\"t m0 xd8 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">120<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x439 y2348 wd5 hd5\"><div class=\"t m0 x37 h15 y8eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x43b y2348 w54 hd5\"><div class=\"t m0 xd8 h3 y8eb ff1 fs1 fc0 sc0 ls6 ws8\">120<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2349 w171 hab\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">At 31 December<span class=\"ffa ls1\"> </span></div></td><td class=\"c x438 y2349 w90 hab\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,137<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43a y2349 w173 hab\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,774<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x439 y2349 wd5 hab\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,311<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43b y2349 w54 hab\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,424<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws164 gs7ed\">As at<span class=\"ws1\"> <span class=\"_ _13\"></span><span class=\"ls6 ws1f\">31 Decem<span class=\"_ _0\"></span>ber 202<span class=\"ls1 ws1\">5<span class=\"lsb ws6b\">, p<span class=\"ls8 ws1b\">roperty, plant<span class=\"_ _0\"></span> and e<span class=\"_ _0\"></span>quipme<span class=\"_ _0\"></span>nt of<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup and the<span class=\"_ _0\"></span> Bank<span class=\"_ _0\"></span> incl<span class=\"_ _0\"></span>udes rig<span class=\"_ _0\"></span>ht<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of</span>-</span><span class=\"ws16\">use </span></span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lse ws165 gs7ee\">assets of<span class=\"_ _0\"></span> <span class=\"ls6 ws8\">\u20ac6,45<span class=\"ls1 ws1\">5</span>,000<span class=\"ls1 ws1\"> <span class=\"_ _14\"></span><span class=\"lsd ws44\">(202</span>4<span class=\"lsd ws166\">: \u20ac<span class=\"_ _1\"></span></span></span>4,839,000<span class=\"ls8 ws33\">) and </span>\u20ac2,516,000<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"lsd ws44\">(202</span>4<span class=\"lsd ws166\">: \u20ac</span></span>2,8<span class=\"_ _1\"></span>13,000<span class=\"ws34\">) respecti<span class=\"_ _1\"></span>vely, as<span class=\"_ _1\"></span> disclos<span class=\"_ _1\"></span>ed in </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs7ef\">note 13. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h9 ff1 fs1 fc0 sc0 ls6 ws8 gs7f0\">12.1<span class=\"ls1 ws1\"> <span class=\"_ _9d\"> </span><span class=\"ls8 wsa\">Fair valuation of<span class=\"_ _0\"></span> land and bui<span class=\"_ _0\"></span>lding<span class=\"_ _0\"></span>s<span class=\"ff3 ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws47 gs7f1\">The Bank\u2019s la<span class=\"_ _0\"></span>nd and buildings <span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>re revalue<span class=\"_ _0\"></span>d <span class=\"ls5 ws3f\">on 31 Dec<span class=\"_ _1\"></span>embe<span class=\"_ _1\"></span>r<span class=\"ls1 ws1\"> <span class=\"_ _11\"></span><span class=\"ls6 ws8\">202<span class=\"ls1 ws1\">4<span class=\"ls8 ws47\">, while the subsidiary\u2019s la<span class=\"_ _0\"></span>nd and building<span class=\"_ _0\"></span>s </span></span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs7f2\">were rev<span class=\"_ _1\"></span>alued<span class=\"_ _1\"></span> on 30 Sept<span class=\"_ _1\"></span>ember 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">4<span class=\"lsb ws2c\">, <span class=\"_ _10\"> </span><span class=\"ls8 ws36\">by an indepe<span class=\"_ _0\"></span>ndent f<span class=\"_ _0\"></span>irm of<span class=\"_ _0\"></span> proper<span class=\"_ _0\"></span>ty value<span class=\"_ _0\"></span>rs ha<span class=\"_ _0\"></span>ving appr<span class=\"_ _0\"></span>opria<span class=\"_ _0\"></span>te </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsb gs7f3\">recog<span class=\"_ _0\"></span>nised profe<span class=\"_ _0\"></span>ssional quali<span class=\"_ _0\"></span>ficati<span class=\"_ _0\"></span>ons and expe<span class=\"_ _0\"></span>rience<span class=\"_ _0\"></span> in the locati<span class=\"_ _0\"></span>on and cate<span class=\"_ _0\"></span>gory of the prope<span class=\"_ _0\"></span>rty being<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs7f4\">valued. The Dire<span class=\"_ _1\"></span>ctors<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span><span class=\"ls7 ws4e\">had</span> <span class=\"_ _14\"> </span><span class=\"ls5 ws41\">r<span class=\"_ _1\"></span>eviewed th<span class=\"_ _1\"></span>e carry<span class=\"_ _1\"></span>ing a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>ts of th<span class=\"_ _1\"></span>e Group<span class=\"_ _1\"></span>\u2019s p<span class=\"_ _1\"></span>ropert<span class=\"_ _1\"></span>ies</span> <span class=\"_ _10\"> </span></span>as at 31 December </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs7f5\">2024<span class=\"ls8 wsa\">, on the basis of<span class=\"_ _0\"></span> the valu<span class=\"_ _0\"></span>ations c<span class=\"_ _0\"></span>arrie<span class=\"_ _0\"></span>d out by the<span class=\"_ _0\"></span> indepe<span class=\"_ _0\"></span>ndent prope<span class=\"_ _0\"></span>rty value<span class=\"_ _0\"></span>rs. <span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsc gs7f6\">Valuations were<span class=\"_ _0\"></span> made on the basis of open market value taking c<span class=\"_ _0\"></span>ognisance of the<span class=\"_ _0\"></span> specific location of the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs7f7\">prop<span class=\"_ _1\"></span>erties,<span class=\"_ _1\"></span> the s<span class=\"_ _1\"></span>ize of th<span class=\"_ _1\"></span>e sit<span class=\"_ _1\"></span>es, th<span class=\"_ _1\"></span>e avai<span class=\"_ _1\"></span>labili<span class=\"_ _1\"></span>ty of s<span class=\"_ _1\"></span>imilar <span class=\"_ _1\"></span>prop<span class=\"_ _1\"></span>erties i<span class=\"_ _1\"></span>n the a<span class=\"_ _1\"></span>rea, an<span class=\"_ _1\"></span>d wh<span class=\"_ _1\"></span>enever p<span class=\"_ _1\"></span>oss<span class=\"_ _1\"></span>ible, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws19 gs7f8\">having r<span class=\"_ _1\"></span>egard to recent market trans<span class=\"_ _1\"></span>actions for simila<span class=\"_ _1\"></span>r properties in th<span class=\"_ _1\"></span>e same location. During 2024, th<span class=\"_ _1\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs7f9\">carrying<span class=\"_ _0\"></span> values <span class=\"_ _0\"></span>of the<span class=\"_ _0\"></span> prope<span class=\"_ _0\"></span>rties, c<span class=\"_ _0\"></span>lassifi<span class=\"_ _0\"></span>ed wi<span class=\"_ _0\"></span>thin proper<span class=\"_ _0\"></span>ty,<span class=\"_ _0\"></span> plant<span class=\"_ _0\"></span> and e<span class=\"_ _0\"></span>quipment<span class=\"_ _0\"></span>, have<span class=\"_ _0\"></span> bee<span class=\"_ _0\"></span>n adjusted to<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs7fa\">the valuati<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd the<span class=\"_ _0\"></span> net re<span class=\"_ _0\"></span>sultant <span class=\"ws53\">a<span class=\"_ _0\"></span>djustm<span class=\"_ _0\"></span>ent compri<span class=\"_ _0\"></span>sed an <span class=\"ls5 ws7\">increa<span class=\"_ _1\"></span>se of <span class=\"ls6 ws8\">\u20ac5,058,000 <span class=\"ws1d\">in the carrying va<span class=\"_ _1\"></span>lues </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs7fb\">for th<span class=\"_ _1\"></span>e Group a<span class=\"_ _1\"></span>nd a<span class=\"_ _1\"></span>n increas<span class=\"_ _1\"></span>e of \u20ac<span class=\"ls6 ws8\">3,162,0<span class=\"_ _1\"></span>00<span class=\"ls1 ws167\">  <span class=\"ls8 ws17\">in the c<span class=\"_ _0\"></span>arrying val<span class=\"_ _0\"></span>ue for<span class=\"_ _0\"></span> the Bank,<span class=\"_ _0\"></span> <span class=\"ls5 ws63\">to reflect th<span class=\"_ _1\"></span>e prop<span class=\"_ _1\"></span>erty\u2019<span class=\"_ _1\"></span>s </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws168 gs7fc\">estima<span class=\"_ _1\"></span>ted op<span class=\"_ _1\"></span>en market<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e on an<span class=\"_ _1\"></span> indivi<span class=\"_ _1\"></span>dual as<span class=\"_ _1\"></span>set level<span class=\"ls6 ws31\">. Th<span class=\"_ _1\"></span>is increase<span class=\"ls1 ws1\"> <span class=\"_ _1a\"> </span></span></span>was rec<span class=\"_ _1\"></span>ognis<span class=\"_ _1\"></span>ed in o<span class=\"_ _1\"></span>ther </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs7fd\">compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e inco<span class=\"_ _1\"></span>me in t<span class=\"_ _1\"></span>he prop<span class=\"_ _1\"></span>erty r<span class=\"_ _1\"></span>evalua<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> reserve.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls8 ws58\">The revaluati<span class=\"_ _0\"></span>on surplus <span class=\"_ _0\"></span>net of<span class=\"_ _0\"></span> applicabl<span class=\"_ _0\"></span>e </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs7fe\">defe<span class=\"_ _0\"></span>rred incom<span class=\"_ _0\"></span>e taxes is ac<span class=\"_ _0\"></span>cording<span class=\"_ _0\"></span>ly shown in \u2018o<span class=\"_ _0\"></span>ther<span class=\"_ _0\"></span> reser<span class=\"_ _0\"></span>ves\u2019 in share<span class=\"_ _0\"></span>holder<span class=\"_ _0\"></span>s\u2019 equit<span class=\"_ _0\"></span>y (no<span class=\"_ _0\"></span>te 19)<span class=\"_ _0\"></span>. <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws68 gs7ff\">The Di<span class=\"_ _1\"></span>rectors<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>essed<span class=\"_ _1\"></span> the c<span class=\"_ _1\"></span>arryin<span class=\"_ _1\"></span>g amou<span class=\"_ _1\"></span>nts a<span class=\"_ _1\"></span>s at 31<span class=\"_ _1\"></span> Decemb<span class=\"_ _1\"></span>er 20<span class=\"_ _1\"></span>2<span class=\"ls1 ws1\">5 <span class=\"_ _15\"> </span><span class=\"ls7 wsa0\">on the basis of management\u2019s </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs800\">assessment<span class=\"_ _0\"></span>s of estim<span class=\"_ _0\"></span>ated c<span class=\"_ _0\"></span>hanges in si<span class=\"_ _0\"></span>gnifi<span class=\"_ _0\"></span>cant inputs to va<span class=\"_ _0\"></span>luatio<span class=\"_ _0\"></span>ns and othe<span class=\"_ _0\"></span>r devel<span class=\"_ _0\"></span>opments since<span class=\"_ _0\"></span> the last<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs801\">exter<span class=\"_ _0\"></span>nal valuati<span class=\"_ _0\"></span>on, and concl<span class=\"_ _0\"></span>uded t<span class=\"_ _0\"></span>hat<span class=\"ls1 ws1\"> </span>no adjustm<span class=\"_ _0\"></span>ent to the<span class=\"_ _11\"></span>se carrying am<span class=\"_ _0\"></span>ounts wer<span class=\"_ _0\"></span>e necessar<span class=\"_ _0\"></span>y.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs802\">The Group i<span class=\"_ _0\"></span>s require<span class=\"_ _0\"></span>d to analyse<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls6 ws52\">financial ass<span class=\"_ _1\"></span>ets carried at fai<span class=\"_ _1\"></span>r value by lev<span class=\"_ _1\"></span>el of the fai<span class=\"_ _1\"></span>r value hierarch<span class=\"_ _1\"></span>y </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs803\">within<span class=\"_ _1\"></span> which<span class=\"_ _1\"></span> the re<span class=\"_ _1\"></span>currin<span class=\"_ _1\"></span>g fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ements<span class=\"_ _1\"></span> are cat<span class=\"_ _1\"></span>egori<span class=\"_ _1\"></span>sed in<span class=\"_ _1\"></span> their en<span class=\"_ _1\"></span>tiret<span class=\"_ _1\"></span>y (Lev<span class=\"_ _1\"></span>el 1, 2 o<span class=\"_ _1\"></span>r 3). <span class=\"_ _1\"></span>The </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs804\">differ<span class=\"_ _1\"></span>ent lev<span class=\"_ _1\"></span>els of th<span class=\"_ _1\"></span>e fair v<span class=\"_ _1\"></span>alu<span class=\"_ _1\"></span>e <span class=\"ls8 wsa\">hiera<span class=\"_ _0\"></span>rchy have be<span class=\"_ _0\"></span>en def<span class=\"_ _0\"></span>ined as fair<span class=\"_ _0\"></span> value m<span class=\"_ _0\"></span>easure<span class=\"_ _0\"></span>ments using<span class=\"_ _0\"></span>:<span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs805\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls5 ws6\">Qu<span class=\"_ _1\"></span>oted p<span class=\"_ _1\"></span>rices (u<span class=\"_ _1\"></span>nadj<span class=\"_ _1\"></span>usted<span class=\"_ _1\"></span>) in activ<span class=\"_ _1\"></span>e market<span class=\"_ _1\"></span>s for id<span class=\"_ _1\"></span>entica<span class=\"_ _1\"></span>l as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> (Level 1);<span class=\"_ _1\"></span></span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs806\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 ws59\">Inputs other t<span class=\"_ _0\"></span>han q<span class=\"_ _0\"></span>uoted pri<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s include<span class=\"_ _0\"></span>d within L<span class=\"_ _0\"></span>evel 1<span class=\"_ _0\"></span> that a<span class=\"_ _0\"></span>re ob<span class=\"_ _0\"></span>servable<span class=\"_ _0\"></span> for the<span class=\"_ _0\"></span> asse<span class=\"_ _0\"></span>t, eit<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs807\">directly (i.e. as<span class=\"_ _1\"></span> prices) or ind<span class=\"_ _1\"></span>irectly (i.e. d<span class=\"_ _1\"></span>erived from pric<span class=\"_ _1\"></span>es) (Lev<span class=\"_ _1\"></span>el 2);<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs808\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 ws15\">Inputs for the asse<span class=\"_ _0\"></span>t that are<span class=\"_ _0\"></span> not based on obse<span class=\"_ _0\"></span>rvable m<span class=\"_ _0\"></span>arket data (<span class=\"_ _0\"></span>i.e.<span class=\"_ _0\"></span> unobservable<span class=\"_ _0\"></span> inputs) (L<span class=\"_ _0\"></span>evel 3).<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs809\">The B<span class=\"_ _0\"></span>ank\u2019s land and buildi<span class=\"_ _0\"></span>ngs com<span class=\"_ _0\"></span>prise vari<span class=\"_ _0\"></span>ous offi<span class=\"_ _0\"></span>ces and operat<span class=\"_ _0\"></span>ional pre<span class=\"_ _0\"></span>mises,<span class=\"_ _0\"></span> including the<span class=\"_ _0\"></span> Bank\u2019s head </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs80a\">office<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span> subsidiary\u2019s land <span class=\"_ _0\"></span>and bui<span class=\"_ _0\"></span>ldings, w<span class=\"_ _0\"></span>ithin pro<span class=\"_ _0\"></span>perty,<span class=\"_ _0\"></span> plant a<span class=\"_ _0\"></span>nd equipme<span class=\"_ _0\"></span>nt, com<span class=\"_ _0\"></span>prises the<span class=\"_ _0\"></span> head of<span class=\"_ _0\"></span>fice<span class=\"_ _0\"></span>, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws7a gs80b\">mail de<span class=\"_ _0\"></span>liver<span class=\"_ _0\"></span>y hubs and re<span class=\"_ _0\"></span>tail<span class=\"_ _0\"></span> outlet<span class=\"_ _0\"></span>s. <span class=\"ls5 ws73\">All the Gr<span class=\"_ _1\"></span>oup\u2019s<span class=\"_ _1\"></span> recurrin<span class=\"_ _1\"></span>g pro<span class=\"_ _1\"></span>perty fa<span class=\"_ _1\"></span>ir value mea<span class=\"_ _1\"></span>suremen<span class=\"_ _1\"></span>ts u<span class=\"_ _1\"></span>se </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8c gs80c\">significant<span class=\"_ _1\"></span> unobs<span class=\"_ _1\"></span>ervable inputs and are acco<span class=\"_ _1\"></span>rdingly categorised<span class=\"_ _1\"></span> within Level 3 of th<span class=\"_ _1\"></span>e fair valuation </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws16 gs80d\">hierar<span class=\"_ _0\"></span>chy.<span class=\"ls1 ws1\"> </span></div>The G<span class=\"_ _0\"></span>roup\u2019s polic<span class=\"_ _0\"></span>y is t<span class=\"_ _0\"></span>o rec<span class=\"_ _0\"></span>ognise t<span class=\"_ _0\"></span>ransfer<span class=\"_ _0\"></span>s into a<span class=\"_ _0\"></span>nd o<span class=\"_ _0\"></span>ut of<span class=\"_ _0\"></span> fair val<span class=\"_ _0\"></span>ue hie<span class=\"_ _0\"></span>rarchy<span class=\"_ _0\"></span> leve<span class=\"_ _0\"></span>ls as of<span class=\"_ _11\"></span> the beginning of<span class=\"_ _11\"></span> the rep<span class=\"_ _1\"></span>ortin<span class=\"_ _1\"></span>g period<span class=\"_ _1\"></span>. There wer<span class=\"_ _1\"></span>e no t<span class=\"_ _1\"></span>rans<span class=\"_ _1\"></span>fers bet<span class=\"_ _1\"></span>ween differ<span class=\"_ _1\"></span>ent lev<span class=\"_ _1\"></span>els of t<span class=\"_ _1\"></span>he fair v<span class=\"_ _1\"></span>alue hiera<span class=\"_ _1\"></span>rchy d<span class=\"_ _1\"></span>urin<span class=\"_ _1\"></span>g the yea<span class=\"_ _1\"></span>rs end<span class=\"_ _1\"></span>ed 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span> 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">and 202</span>4.<span class=\"_ _1\"></span> </span>A reconciliation<span class=\"_ _1\"></span> from the open<span class=\"_ _1\"></span>ing balan<span class=\"_ _1\"></span>ce to the closin<span class=\"_ _1\"></span>g balance of land and bui<span class=\"_ _1\"></span>ldings for recurring fair<span class=\"_ _1\"></span> valu<span class=\"_ _1\"></span>e measur<span class=\"_ _1\"></span>ements c<span class=\"_ _1\"></span>ategori<span class=\"_ _1\"></span>sed<span class=\"_ _1\"></span> within<span class=\"_ _1\"></span> Level 3 o<span class=\"_ _1\"></span>f the value hi<span class=\"_ _1\"></span>erarchy<span class=\"_ _1\"></span>, is reflect<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> the tab<span class=\"_ _1\"></span>le above. Th<span class=\"_ _1\"></span>e principal<span class=\"_ _0\"></span> moveme<span class=\"_ _0\"></span>nts for the years e<span class=\"_ _0\"></span>nded 31 <span class=\"ls5 ws3b\">Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 <span class=\"_ _1\"></span><span class=\"ls6 ws1c\">an<span class=\"_ _1\"></span>d 202</span>4 <span class=\"_ _1\"></span></span>are <span class=\"_ _1\"></span>extens<span class=\"_ _1\"></span>ively d<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>cribed wi<span class=\"_ _1\"></span>th th<span class=\"_ _1\"></span>e </span>tabl<span class=\"_ _1\"></span>es referr<span class=\"_ _1\"></span>ed to <span class=\"ls7 ws4e\">abov<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\">. </span></span>For all G<span class=\"_ _0\"></span>roup prope<span class=\"_ _0\"></span>rtie<span class=\"_ _0\"></span>s, their c<span class=\"_ _0\"></span>urrent<span class=\"_ _0\"></span> use equate<span class=\"_ _0\"></span>s to the hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>st and best u<span class=\"_ _0\"></span>se.<span class=\"ls1 ws1\"> </span>12.2 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span></span><span class=\"ws7\">Valuation<span class=\"_ _1\"></span> processes<span class=\"ls1 ws1\"> </span></span>The valuations of the prope<span class=\"_ _0\"></span>rties are pe<span class=\"_ _0\"></span>rformed on a periodic basis taking into con<span class=\"_ _0\"></span>sideration the valuatio<span class=\"_ _0\"></span>n reports pr<span class=\"_ _0\"></span>epared by i<span class=\"_ _0\"></span>ndepend<span class=\"_ _0\"></span>ent and qua<span class=\"_ _0\"></span>lifie<span class=\"_ _0\"></span>d valuer<span class=\"_ _0\"></span>s. These<span class=\"_ _0\"></span> repor<span class=\"_ _0\"></span>ts are base<span class=\"_ _0\"></span>d on both:<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _1e\"> </span><span class=\"ff1 ls8 ws67\">informa<span class=\"_ _0\"></span>tion provide<span class=\"_ _0\"></span>d by the<span class=\"_ _0\"></span> Bank such<span class=\"_ _0\"></span> as cur<span class=\"_ _0\"></span>rent te<span class=\"_ _0\"></span>rms and c<span class=\"_ _0\"></span>onditio<span class=\"_ _0\"></span>ns of le<span class=\"_ _0\"></span>ase agr<span class=\"_ _0\"></span>eem<span class=\"_ _0\"></span>ents. T<span class=\"_ _0\"></span>his </span></span>inform<span class=\"_ _0\"></span>ation is de<span class=\"_ _0\"></span>rived f<span class=\"_ _0\"></span>rom the B<span class=\"_ _0\"></span>ank\u2019s financ<span class=\"_ _0\"></span>ial syst<span class=\"_ _0\"></span>ems a<span class=\"_ _0\"></span>nd is subje<span class=\"_ _0\"></span>ct to the<span class=\"_ _0\"></span> Bank<span class=\"_ _0\"></span>\u2019s ove<span class=\"_ _0\"></span>rall co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span> environm<span class=\"_ _0\"></span>ent; and<span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _1e\"> </span><span class=\"ff1 ls8 ws11\">assumptions and <span class=\"_ _0\"></span>valuati<span class=\"_ _0\"></span>on mo<span class=\"_ _0\"></span>dels used by<span class=\"_ _0\"></span> the val<span class=\"_ _0\"></span>uers <span class=\"ls1 ws1\">\u2013 <span class=\"ls5 ws3b\">the ass<span class=\"_ _1\"></span>umpti<span class=\"_ _1\"></span>ons are t<span class=\"_ _1\"></span>ypica<span class=\"_ _1\"></span>lly mar<span class=\"_ _1\"></span>ket relat<span class=\"_ _1\"></span>ed, </span></span></span></span>such as re<span class=\"_ _0\"></span>ntal yie<span class=\"_ _0\"></span>lds, di<span class=\"_ _0\"></span>scount r<span class=\"_ _0\"></span>ates and<span class=\"_ _0\"></span> sales <span class=\"_ _0\"></span>price<span class=\"_ _0\"></span>s. These<span class=\"_ _0\"></span> are base<span class=\"_ _0\"></span>d on profe<span class=\"_ _0\"></span>ssional<span class=\"_ _0\"></span> judge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt and market observation.<span class=\"ls1\"> </span>The inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion provide<span class=\"_ _0\"></span>d to the<span class=\"_ _0\"></span> valuer<span class=\"_ _0\"></span>s, toge<span class=\"_ _0\"></span>ther w<span class=\"_ _0\"></span>ith the<span class=\"_ _0\"></span> assumpti<span class=\"_ _0\"></span>ons and<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>valuatio<span class=\"_ _0\"></span>n mode<span class=\"_ _0\"></span>ls used b<span class=\"_ _0\"></span>y the v<span class=\"_ _1\"></span>aluers<span class=\"_ _1\"></span>, are rev<span class=\"_ _1\"></span>iewed by<span class=\"_ _1\"></span> managem<span class=\"_ _1\"></span>ent.<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>When mana<span class=\"_ _0\"></span>gement c<span class=\"_ _0\"></span>onsiders that the<span class=\"_ _0\"></span> valuation r<span class=\"_ _0\"></span>eport is appr<span class=\"_ _0\"></span>opriate<span class=\"_ _0\"></span>, the valua<span class=\"_ _0\"></span>tion repo<span class=\"_ _0\"></span>rt is conside<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span> by the Aud<span class=\"_ _1\"></span>it &amp; Risk Committee as<span class=\"_ _1\"></span> part of its<span class=\"_ _1\"></span> monitoring respon<span class=\"_ _1\"></span>sibility<span class=\"_ _1\"></span> for effective financial<span class=\"_ _1\"></span> reporting.<span class=\"ls1 ws1\"> </span>At the e<span class=\"_ _0\"></span>nd of eve<span class=\"_ _0\"></span>ry repo<span class=\"_ _0\"></span>rting pe<span class=\"_ _0\"></span>riod, m<span class=\"_ _0\"></span>anagement<span class=\"_ _0\"></span> assess w<span class=\"_ _0\"></span>hether<span class=\"_ _0\"></span> any signif<span class=\"_ _0\"></span>icant c<span class=\"_ _0\"></span>hanges<span class=\"_ _0\"></span> or deve<span class=\"_ _0\"></span>lopme<span class=\"_ _0\"></span>nts hav<span class=\"_ _1\"></span>e been exp<span class=\"_ _1\"></span>erienced s<span class=\"_ _1\"></span>ince t<span class=\"_ _1\"></span>he last<span class=\"_ _1\"></span> externa<span class=\"_ _1\"></span>l valua<span class=\"_ _1\"></span>tion.<span class=\"_ _1\"></span> This is su<span class=\"_ _1\"></span>pported<span class=\"_ _1\"></span> by an ass<span class=\"_ _1\"></span>essment<span class=\"_ _1\"></span> performed<span class=\"_ _1\"></span> by the inde<span class=\"_ _0\"></span>pendent f<span class=\"_ _0\"></span>irm o<span class=\"_ _0\"></span>f proper<span class=\"_ _0\"></span>ty valuer<span class=\"_ _0\"></span>s. Manag<span class=\"ls5 ws7\">ement<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"lsa ws24\">report</span>s<span class=\"_ _1\"></span> <span class=\"_ _13\"></span></span></span>to the A<span class=\"_ _0\"></span>udit and<span class=\"_ _0\"></span> Risk C<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>ittee on the outc<span class=\"_ _1\"></span>ome of thi<span class=\"_ _1\"></span>s ass<span class=\"_ _1\"></span>essmen<span class=\"_ _1\"></span>t.<span class=\"ls1 ws1\"> </span>12.3 <span class=\"ls1 ws1\"> <span class=\"_ _9e\"> </span><span class=\"ls8 wsa\">Valuation t<span class=\"_ _0\"></span>echnique<span class=\"_ _0\"></span>s<span class=\"ls1 ws1\"> </span></span></span>The <span class=\"_ _13\"></span><span class=\"ls6 ws19\">Level 3 fair val<span class=\"_ _1\"></span>uation of the <span class=\"lsd ws44\">Bank<span class=\"ls5 ws63\">\u2019<span class=\"_ _1\"></span>s proper<span class=\"_ _1\"></span>ty was d<span class=\"_ _1\"></span>etermined<span class=\"_ _1\"></span> </span></span>using a multi<span class=\"ls1 ws1\">-</span>criteria a<span class=\"_ _1\"></span>ppro<span class=\"_ _1\"></span>ach<span class=\"ls5 ws63\">, namely<span class=\"_ _1\"></span> </span></span>the <span class=\"_ _15\"> </span><span class=\"ls6 ws10\">rent capitalis<span class=\"_ _1\"></span>ation method<span class=\"_ _1\"></span> <span class=\"ls7 ws4e\">and<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span><span class=\"wsf\">an adjusted sales compar<span class=\"_ _0\"></span>ison approach<span class=\"ls8 ws36\">, wit<span class=\"_ _0\"></span>h every<span class=\"_ _0\"></span> prope<span class=\"_ _0\"></span>rty being<span class=\"_ _11\"></span> </span></span></span></span>valued util<span class=\"_ _0\"></span>ising the<span class=\"_ _0\"></span> valuation <span class=\"_ _0\"></span>tec<span class=\"_ _0\"></span>hnique consi<span class=\"_ _0\"></span>dered by t<span class=\"_ _0\"></span>he ext<span class=\"_ _0\"></span>ernal val<span class=\"_ _0\"></span>uer to be<span class=\"_ _0\"></span> the most appropr<span class=\"_ _0\"></span>iate f<span class=\"_ _0\"></span>or the res<span class=\"_ _1\"></span>pectiv<span class=\"_ _1\"></span>e prop<span class=\"_ _1\"></span>erty.<span class=\"ls1 ws1\">  </span>The e<span class=\"_ _0\"></span>xterna<span class=\"_ _0\"></span>l valuations of<span class=\"_ _11\"></span> the subsidiary\u2019<span class=\"_ _0\"></span>s Leve<span class=\"_ _0\"></span>l 3 pr<span class=\"_ _0\"></span>operty <span class=\"_ _0\"></span>have be<span class=\"_ _0\"></span>en perf<span class=\"_ _0\"></span>orme<span class=\"_ _0\"></span>d using <span class=\"ws16\">p<span class=\"_ _0\"></span>redom<span class=\"_ _0\"></span>inantly <span class=\"_ _1\"></span><span class=\"lsc ws38\">an </span></span>adjusted sales comparison  ap<span class=\"_ _0\"></span>proach<span class=\"ls1\">. </span>In vi<span class=\"_ _1\"></span>ew of a l<span class=\"_ _1\"></span>imited<span class=\"_ _1\"></span> numb<span class=\"_ _1\"></span>er of<span class=\"_ _1\"></span> si<span class=\"_ _1\"></span>milar <span class=\"ls8 ws13\">or comparable pr<span class=\"_ _0\"></span>operties and pr<span class=\"_ _0\"></span>operty tr<span class=\"_ _0\"></span><span class=\"ls7 ws4e\">ansactions, <span class=\"_ _11\"></span><span class=\"ls6 ws12\">comp<span class=\"_ _1\"></span>rising sal<span class=\"_ _1\"></span>es </span></span></span>or rentals<span class=\"_ _1\"></span> in the local <span class=\"ls7 wsf\">marke<span class=\"_ _1\"></span>t, the valuations have p<span class=\"ls8 ws36\">re<span class=\"_ _0\"></span>dominat<span class=\"_ _0\"></span>ely bee<span class=\"_ _0\"></span>n performe<span class=\"_ _0\"></span>d using unobser<span class=\"_ _0\"></span>vable<span class=\"_ _0\"></span> </span></span>inputs. The<span class=\"_ _0\"></span> signif<span class=\"_ _0\"></span>icant input<span class=\"_ _0\"></span>s t<span class=\"_ _0\"></span>o the approac<span class=\"_ _0\"></span>hes used ar<span class=\"_ _0\"></span>e ge<span class=\"_ _0\"></span>nerall<span class=\"_ _0\"></span>y those desc<span class=\"_ _0\"></span>ribed be<span class=\"_ _0\"></span>low:<span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls6 ws2e\">Rent capital<span class=\"_ _1\"></span>isation metho<span class=\"_ _1\"></span>d</span><span class=\"ff1\">: <span class=\"_ _11\"></span><span class=\"ls5 ws3f\">a<span class=\"_ _1\"></span>n ann<span class=\"_ _1\"></span>ual ren<span class=\"_ _1\"></span>t rate p<span class=\"_ _1\"></span>er squa<span class=\"_ _1\"></span>re metre r<span class=\"_ _1\"></span>elated</span></span></span> <span class=\"_ _11\"></span><span class=\"ff1 fs1 ls9 wsa\">to <span class=\"_ _11\"></span><span class=\"ls7 ws5e\">trans<span class=\"_ _1\"></span>actions in <span class=\"ws4e\">c<span class=\"_ _0\"></span>omparable </span></span></span>prop<span class=\"_ _1\"></span>erties <span class=\"ls8 ws15\">located in prox<span class=\"_ _0\"></span>imity to the re<span class=\"_ _0\"></span>specti<span class=\"_ _0\"></span>ve property, w<span class=\"_ _0\"></span>ith signi<span class=\"_ _0\"></span>ficant<span class=\"_ _0\"></span> adjustme<span class=\"_ _0\"></span>nts for diff<span class=\"_ _0\"></span>erences </span>in the size, age, exac<span class=\"_ _0\"></span>t location and condition of the property<span class=\"ls1 ws1\">, <span class=\"_ _0\"></span><span class=\"ls5 ws45\">togeth<span class=\"_ _1\"></span>er wit<span class=\"_ _1\"></span>h a <span class=\"ls8 ws53\">growth rate and a </span><span class=\"ws7\">market </span></span></span>capitalis<span class=\"_ _1\"></span>ation rate u<span class=\"_ _1\"></span>tilised for capi<span class=\"_ _1\"></span>talisation<span class=\"_ _1\"></span> of rental income st<span class=\"_ _1\"></span>reams.<span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls5 wse9\">Adju<span class=\"_ _1\"></span>sted s<span class=\"_ _1\"></span>ales co<span class=\"_ _1\"></span>mp<span class=\"ls7 ws169\">arison approach<span class=\"lsd ws44\">: <span class=\"_ _1b\"> </span></span></span>a sa<span class=\"_ _1\"></span>les pri<span class=\"_ _1\"></span>ce per sq<span class=\"_ _1\"></span>uare met<span class=\"_ _1\"></span>re related<span class=\"_ _1\"></span> to tra<span class=\"_ _1\"></span>nsac<span class=\"_ _1\"></span>tions in </span></span>compara<span class=\"_ _0\"></span>ble prope<span class=\"_ _0\"></span>rties loc<span class=\"_ _0\"></span>ated in proxim<span class=\"_ _0\"></span>ity to the<span class=\"_ _0\"></span> <span class=\"ls5 ws7\">resp<span class=\"_ _1\"></span>ectiv<span class=\"_ _1\"></span>e <span class=\"_ _0\"></span><span class=\"ls8 ws13\">proper<span class=\"_ _0\"></span>ty, with si<span class=\"_ _0\"></span>gnificant a<span class=\"_ _0\"></span>djustments f<span class=\"_ _0\"></span>or </span></span>differ<span class=\"_ _1\"></span>ences in<span class=\"_ _1\"></span> <span class=\"ws7\">the <span class=\"ls7 ws1\">size, age, exact location and condition of t<span class=\"_ _0\"></span>he property. <span class=\"ls1\"> </span></span></span><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs83b\">12.4 <span class=\"_ _1d\"> </span><span class=\"ls1 ws1\"> <span class=\"_ _1d\"> </span> <span class=\"_ _1d\"> </span> <span class=\"_ _1d\"> </span><span class=\"ls8 ws58\">Information a<span class=\"_ _0\"></span>bout fair value<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ements using<span class=\"_ _0\"></span> signif<span class=\"_ _0\"></span>icant unobse<span class=\"_ _0\"></span>rvable i<span class=\"_ _0\"></span>nputs (Leve<span class=\"_ _0\"></span>l 3)<span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls7 ws78\">as at</span>  <span class=\"ls6 ws8\">31 </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs83c\">December 2025<span class=\"ls1 ws1\"> </span>a<span class=\"_ _1\"></span>nd 2024<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">fo<span class=\"_ _1\"></span>r the Gro<span class=\"_ _1\"></span>up\u2019s<span class=\"_ _1\"></span> entir<span class=\"_ _1\"></span>e proper<span class=\"_ _1\"></span>ty port<span class=\"_ _1\"></span>folio<span class=\"_ _1\"></span></span> </span></div><div class=\"gsb6\"><table class=\"s w24e h202\" id=\"_db424451-5ec1-4bee-998a-934bda0504c7\"><tr><td></td><td></td><td></td><td class=\"c x43d y234a w176 hec\"><div class=\"t m0 x6b h29 yfda ff3 fs8 fc0 sc0 ls27 ws98\">Signifi<span class=\"_ _1\"></span>cant <span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"c x43e y234a w177 hec\"><div class=\"t m0 x27 h29 yfda ff3 fs8 fc0 sc0 ls28 ws0\">Range of </div></td></tr><tr><td class=\"t m0 x43f h29 y234b ff3 fs8 fc0 sc0 ls28 ws0\">Description by<span class=\"_ _1\"></span> class based </td><td></td><td class=\"t m0 x440 h29 y234b ff3 fs8 fc0 sc0 ls27 ws98\">Valuat<span class=\"_ _1\"></span>ion </td><td class=\"t m0 x441 h29 y234b ff3 fs8 fc0 sc0 ls28 ws99\">unobservable<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td></td><td class=\"c x43e y234a w177 hec\"><div class=\"t m0 xd h29 y979 ff3 fs8 fc0 sc0 ls28 ws0\">unobservable<span class=\"_ _1\"></span> inputs </div></td></tr><tr><td class=\"c x442 y234a w174 hec\"><div class=\"t m0 x7e h35 y3eb ff3 fs8 fc0 sc0 ls28 ws0\">on highest and best<span class=\"_ _1\"></span> use<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x443 y234a w116 hec\"><div class=\"t m0 x80 h35 y3eb ff3 fs8 fc0 sc0 ls27 ws97\">Fair v<span class=\"_ _1\"></span>alue<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x444 y234a w175 hec\"><div class=\"t m0 xd8 h35 y3eb ff3 fs8 fc0 sc0 ls28 ws99\">technique<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x43d y234a w176 hec\"><div class=\"t m0 x106 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls28 ws99\"></span><span class=\"ls28 ws99\">input</span>s<span class=\"ffa\"> </span></div></td><td></td><td class=\"c x43e y234a w177 hec\"><div class=\"t m0 x6e h29 y3eb ff3 fs8 fc0 sc0 ls6f ws113\">(weighted<span class=\"_ _0\"></span> average)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x442 y234c w174 h36\"><div class=\"t m0 x10 h25 y1997 ff1 fs8 fc0 sc0 ls4 ws9a\">Current us<span class=\"_ _1\"></span>e as Bank\u2019s o<span class=\"_ _1\"></span>ffices </div></td><td class=\"c x443 y234c w116 h36\"><div class=\"t m0 x11 h25 y1997 ff1 fs8 fc0 sc0 ls1 ws1\">\u20ac21 <span class=\"ls28 ws99\">million</span><span class=\"ffb\"> </span></div></td><td class=\"c x444 y234c w175 h36\"><div class=\"t m0 x10 h25 y1997 ff1 fs8 fc0 sc0 ls29 ws98\">Rent capi<span class=\"_ _1\"></span>talisa<span class=\"_ _1\"></span>tion </div></td><td class=\"c x43d y234c w176 h36\"><div class=\"t m0 xe2 h25 y1997 ff1 fs8 fc0 sc0 ls29 ws98\">Rental va<span class=\"_ _1\"></span>lue <span class=\"ls1 ws1\">(\u20ac/sqm) </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x445 h25 y234d ff1 fs8 fc0 sc0 ls29 ws98\">and operat<span class=\"_ _1\"></span>ional <span class=\"_ _1\"></span>premises<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></td><td></td><td class=\"t m0 x446 h25 y234d ff1 fs8 fc0 sc0 ls29 ws9a\">method<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></td><td class=\"t m0 x447 h25 y234d ff1 fs8 fc0 sc0 ls2a ws99\">Growth rate<span class=\"ls1 ws1\"> <span class=\"ls3 ws114\">(%)</span> </span></td><td></td><td class=\"t m0 x448 h25 y234d ff1 fs8 fc0 sc0 ls1 ws1\">60 \u2013 367 (226) </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x449 h25 y234e ff1 fs8 fc0 sc0 ls28 ws0\">Capitalisat<span class=\"_ _1\"></span>ion rate </td><td></td><td class=\"t m0 x44a h25 y234e ff1 fs8 fc0 sc0 ls1 ws1\">2 <span class=\"ls29 ws98\">per annum</span><span class=\"ls29 ws98\"><span class=\"_ _1\"></span></span> </td></tr><tr><td></td><td></td><td></td><td class=\"c x43d y234c w176 h36\"><div class=\"t m0 xc h25 y3eb ff1 fs8 fc0 sc0 ls3 ws114\">(%)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x44b y234f w24f h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">6 \u2013 8<span class=\"_ _bc\"> </span></div></td><td class=\"c x44c y234f w250 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">(7)<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y2350 w116 he5\"><div class=\"t m0 x11 h25 yfda ff1 fs8 fc0 sc0 ls28 ws0\">\u20ac17 million<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x444 y2350 w175 he5\"><div class=\"t m0 x90 h25 yfda ff1 fs8 fc0 sc0 ls29 ws9c\">Adjusted sa<span class=\"_ _1\"></span>les </div></td><td class=\"c x43d y2350 w176 he5\"><div class=\"t m0 xb5 h25 yfda ff1 fs8 fc0 sc0 ls4 ws9a\">Sales price p<span class=\"_ _1\"></span>er <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x44d y2351 w251 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">2,000 \u2013<span class=\"_ _bc\"> </span></div></td><td class=\"c x44e y2351 w228 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">15,000<span class=\"_ _bc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x44f h25 y2352 ff1 fs8 fc0 sc0 ls29 ws9a\">compa<span class=\"_ _1\"></span>rison </td><td class=\"t m0 x450 h25 y2352 ff1 fs8 fc0 sc0 ls4 ws9a\">square metre<span class=\"ls1 ws1\"> (<span class=\"_ _1\"></span>\u20ac)<span class=\"ffb\"> </span></span></td><td class=\"t m0 x451 h25 y2352 ff1 fs8 fc0 sc0 ls1 ws1\" colspan=\"2\">(3,179) </td></tr><tr><td></td><td></td><td class=\"c x444 y2350 w175 he5\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">approac<span class=\"_ _1\"></span>h<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x442 y2353 w174 h36\"><div class=\"t m0 x10 h25 y3e8 ff1 fs8 fc0 sc0 ls4 ws9a\">Current us<span class=\"_ _1\"></span>e as subsi<span class=\"_ _1\"></span>diary\u2019s </div></td><td class=\"c x443 y2353 w116 h36\"><div class=\"t m0 x11 h25 y3e8 ff1 fs8 fc0 sc0 ls1 ws1\">\u20ac19 <span class=\"ls28 ws99\">million</span><span class=\"ffb\"> </span></div></td><td class=\"c x444 y2353 w175 h36\"><div class=\"t m0 x90 h25 y3e8 ff1 fs8 fc0 sc0 ls29 ws9c\">Adjusted sa<span class=\"_ _1\"></span>les </div></td><td class=\"c x43d y2353 w176 h36\"><div class=\"t m0 xb5 h25 y3e8 ff1 fs8 fc0 sc0 ls4 ws9a\">Sales price p<span class=\"_ _1\"></span>er <span class=\"ls1 ws1\"> </span></div></td><td class=\"c x452 y2354 w251 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">1,500 \u2013<span class=\"_ _bc\"> </span></div></td><td class=\"c x453 y2354 w252 h1ac\"><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls1 ws1\">6,900<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"t m0 x445 h25 y2355 ff1 fs8 fc0 sc0 ls4 ws9a\">offic<span class=\"_ _1\"></span>e premises, reta<span class=\"_ _1\"></span>il </td><td></td><td class=\"t m0 x44f h25 y2355 ff1 fs8 fc0 sc0 ls29 ws9a\">compa<span class=\"_ _1\"></span>rison </td><td class=\"t m0 x450 h25 y2355 ff1 fs8 fc0 sc0 ls4 ws9a\">square metre (<span class=\"_ _1\"></span>\u20ac)<span class=\"ffb ls1 ws1\"> </span></td><td></td><td class=\"t m0 x451 h25 y2355 ff1 fs8 fc0 sc0 ls1 ws1\">(4,116) </td></tr><tr><td class=\"t m0 x445 h25 y2356 ff1 fs8 fc0 sc0 ls28 ws0\">outlets and ma<span class=\"_ _1\"></span>il delivery </td><td></td><td class=\"t m0 x454 h25 y2356 ff1 fs8 fc0 sc0 ls29 ws9a\">approac<span class=\"_ _1\"></span>h<span class=\"ffb ls1 ws1\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c x442 y2353 w174 h36\"><div class=\"t m0 x7e h25 y3eb ff1 fs8 fc0 sc0 ls29 ws9a\">hubs<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs83f\">The hig<span class=\"_ _0\"></span>her the<span class=\"_ _0\"></span> rental<span class=\"_ _0\"></span> value or <span class=\"_ _0\"></span>the <span class=\"ls5 ws7\">growth <span class=\"ws45\">rate, th<span class=\"_ _1\"></span>e higher t<span class=\"_ _1\"></span>he result<span class=\"_ _1\"></span>ant fa<span class=\"_ _1\"></span>ir val<span class=\"_ _1\"></span>ue. Con<span class=\"_ _1\"></span>versely,<span class=\"_ _1\"></span> the lower<span class=\"_ _1\"></span> the </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs840\">capitalis<span class=\"_ _1\"></span>ation<span class=\"ls1 ws1\"> <span class=\"ls5 ws6\">ra<span class=\"_ _1\"></span>te, th<span class=\"_ _1\"></span>e higher t<span class=\"_ _1\"></span>he resu<span class=\"_ _1\"></span>ltan<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue.</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs841\">The hig<span class=\"_ _0\"></span>her the<span class=\"_ _0\"></span> sales pri<span class=\"_ _0\"></span>ce pe<span class=\"_ _0\"></span>r square me<span class=\"_ _0\"></span>tre, the<span class=\"_ _0\"></span> higher<span class=\"_ _0\"></span> the resulta<span class=\"_ _0\"></span>nt fair val<span class=\"_ _0\"></span>uation.<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs842\">12.5     Historica<span class=\"_ _1\"></span>l cost of lan<span class=\"_ _1\"></span>d and buildi<span class=\"_ _1\"></span>ngs<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws15 gs843\">If the l<span class=\"_ _0\"></span>and and building<span class=\"_ _0\"></span>s we<span class=\"_ _0\"></span>re stated o<span class=\"_ _0\"></span>n the histori<span class=\"_ _0\"></span>cal co<span class=\"_ _0\"></span>st b<span class=\"_ _0\"></span>asis, the ca<span class=\"_ _0\"></span>rrying am<span class=\"_ _0\"></span>ounts w<span class=\"_ _0\"></span>ould be as f<span class=\"_ _0\"></span>ollow<span class=\"_ _0\"></span>s:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w253 h203\" id=\"_5f36d01f-d786-409a-9710-c15933d425e8\"><tr><td></td><td></td><td class=\"c x3fe y2357 wc8 h18\"><div class=\"t m0 xf4 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y2357 wc8 h18\"><div class=\"t m0 x108 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y2358 w54 h18\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y2358 wd5 h18\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2358 w54 h18\"><div class=\"t m0 xb5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y2358 wd5 h18\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y2359 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y2359 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2359 w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y2359 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y235a w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y235a w54 h18\"><div class=\"t m0 xcb h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">38,510<span class=\"_ _bc\"> </span></div></td><td class=\"c x400 y235a wd5 h18\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">38,331<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y235a w54 h18\"><div class=\"t m0 xcb h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">24,380<span class=\"_ _bc\"> </span></div></td><td class=\"c x401 y235a wd5 h18\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,526<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y235b w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y235b w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,095)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y235b wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,743)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y235b w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3,378)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y235b wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,086)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y235c w99 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Net book amount at 31 Dece<span class=\"_ _0\"></span>mber<span class=\"ffa ls1\"> </span></div></td><td class=\"c x3fe y235c w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">34,415<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x400 y235c wd5 h18\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">34,588<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y235c w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">21,002<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y235c wd5 h18\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">21,440<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-463": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs846\">13.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws0\">Leases</span><span class=\"fs2\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws72 gs847\">The Grou<span class=\"_ _1\"></span>p leas<span class=\"_ _1\"></span>es var<span class=\"_ _1\"></span>ious lo<span class=\"_ _1\"></span>cations<span class=\"_ _1\"></span> for offs<span class=\"_ _1\"></span>ite ATMs,<span class=\"_ _1\"></span> offices<span class=\"_ _1\"></span><span class=\"lsb ws2c\">, <span class=\"_ _13\"></span><span class=\"ls8 ws16\">branches <span class=\"_ _13\"></span></span></span>and mot<span class=\"_ _1\"></span>or veh<span class=\"_ _1\"></span>icles as<span class=\"_ _1\"></span> well as low </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws36 gs848\">value ite<span class=\"_ _0\"></span>ms such as IT<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent. R<span class=\"_ _0\"></span>ental c<span class=\"_ _0\"></span>ontracts ar<span class=\"_ _0\"></span>e typically m<span class=\"_ _0\"></span>ade f<span class=\"_ _0\"></span>or fixed pe<span class=\"_ _0\"></span>riods but may ha<span class=\"_ _0\"></span>ve </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs849\">extensi<span class=\"_ _0\"></span>on options. Exte<span class=\"_ _0\"></span>nsion <span class=\"_ _0\"></span>and term<span class=\"_ _0\"></span>ination opti<span class=\"_ _0\"></span>ons are inc<span class=\"_ _0\"></span>luded in a<span class=\"_ _0\"></span> number o<span class=\"_ _0\"></span>f property le<span class=\"_ _0\"></span>ases acr<span class=\"_ _0\"></span>oss </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws22 gs84a\">the Gro<span class=\"_ _1\"></span>up. Th<span class=\"_ _1\"></span>ese are u<span class=\"_ _1\"></span>sed to<span class=\"_ _1\"></span> maximis<span class=\"_ _1\"></span>e oper<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span>al flexib<span class=\"_ _1\"></span>ili<span class=\"_ _1\"></span>ty in<span class=\"_ _1\"></span> terms o<span class=\"_ _1\"></span>f managi<span class=\"_ _1\"></span>ng the a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s used i<span class=\"_ _1\"></span>n the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws33 gs84b\">Group\u2019s ope<span class=\"_ _0\"></span>rations. T<span class=\"_ _0\"></span>he ma<span class=\"_ _0\"></span>jority of<span class=\"_ _0\"></span> exte<span class=\"_ _0\"></span>nsion and ter<span class=\"_ _0\"></span>mination optio<span class=\"_ _0\"></span>ns held are<span class=\"_ _0\"></span> exer<span class=\"_ _0\"></span>cisable only by t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs84c\">Group and not<span class=\"_ _0\"></span> by the<span class=\"_ _0\"></span> respe<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span> lessor. M<span class=\"_ _0\"></span>ost exte<span class=\"_ _0\"></span>nsion opti<span class=\"_ _11\"></span>ons i<span class=\"ls5 ws2a\">n<span class=\"_ _1\"></span> property<span class=\"_ _1\"></span> and mot<span class=\"_ _1\"></span>or veh<span class=\"_ _1\"></span>icle leas<span class=\"_ _1\"></span>es hav<span class=\"_ _1\"></span>e </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs84d\">been in<span class=\"_ _1\"></span>cluded<span class=\"_ _1\"></span> in th<span class=\"_ _1\"></span>e lease li<span class=\"_ _1\"></span>ab<span class=\"_ _1\"></span>ility a<span class=\"_ _1\"></span>s the l<span class=\"_ _1\"></span>ease term r<span class=\"_ _1\"></span>eflect<span class=\"_ _1\"></span>s th<span class=\"_ _1\"></span>e exercise o<span class=\"_ _1\"></span>f such<span class=\"_ _1\"></span> optio<span class=\"_ _1\"></span>ns.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws86 gs84e\">Lease te<span class=\"_ _0\"></span>rms are neg<span class=\"_ _0\"></span>otiated on an indi<span class=\"_ _0\"></span>vidual basis an<span class=\"_ _0\"></span>d contain a<span class=\"_ _0\"></span> wide r<span class=\"_ _0\"></span>ange of differe<span class=\"_ _0\"></span>nt terms and </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs84f\">conditions.<span class=\"_ _0\"></span> The le<span class=\"_ _0\"></span>ase ag<span class=\"_ _0\"></span>reeme<span class=\"_ _0\"></span>nts do not i<span class=\"_ _0\"></span>mpose a<span class=\"_ _0\"></span>ny co<span class=\"_ _0\"></span>venants <span class=\"_ _0\"></span>other than<span class=\"_ _0\"></span> the <span class=\"_ _0\"></span>secur<span class=\"_ _0\"></span>ity inte<span class=\"_ _0\"></span>rests in<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws45 gs850\">leased<span class=\"_ _1\"></span> ass<span class=\"_ _1\"></span>ets that ar<span class=\"_ _1\"></span>e held by th<span class=\"_ _1\"></span>e lesso<span class=\"_ _1\"></span>r. Leas<span class=\"_ _1\"></span>ed asset<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls8 ws53\">may not<span class=\"_ _0\"></span> be use<span class=\"_ _0\"></span>d as <span class=\"_ _0\"></span>securi<span class=\"_ _0\"></span>ty for bor<span class=\"_ _11\"></span>rowing purposes.</span></span><span class=\"ls1 ws1\"><span class=\"ls8 ws53\"><span class=\"_ _11\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws73 gs852\">Leases<span class=\"_ _1\"></span> are reco<span class=\"_ _1\"></span>gnis<span class=\"_ _1\"></span>ed as<span class=\"_ _1\"></span> a righ<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of</span>-<span class=\"ls8 ws7a\">use<span class=\"_ _0\"></span> asset within \u2018P<span class=\"_ _0\"></span>roperty,<span class=\"_ _0\"></span> plant and equi<span class=\"_ _0\"></span>pment\u2019<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> <span class=\"_ _15\"> </span><span class=\"ls8 ws7a\">(note 12<span class=\"_ _0\"></span>) and a </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws1f gs853\">correspon<span class=\"_ _1\"></span>ding liabilit<span class=\"_ _1\"></span>y<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span><span class=\"ws8\">with<span class=\"_ _1\"></span>in <span class=\"_ _1\"></span></span>\u2018Oth<span class=\"_ _1\"></span>er liabilities\u2019 (n<span class=\"_ _1\"></span>ote 23)<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ls5 ws1a\">at<span class=\"_ _1\"></span> the da<span class=\"_ _1\"></span>te at wh<span class=\"_ _1\"></span>ich th<span class=\"_ _1\"></span>e leased<span class=\"_ _1\"></span> asset is<span class=\"_ _1\"></span> availa<span class=\"_ _1\"></span>ble </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs854\">for use by t<span class=\"_ _0\"></span>he Group.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w254 h204\" id=\"_7b2ad687-ec3c-49ec-9f2c-5d5e4482c63a\"><tr><td></td><td></td><td class=\"c x455 y235d w179 h1d\"><div class=\"t m0 x1b h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x404 y235d w17a h1d\"><div class=\"t m0 x152 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x455 y235e wd6 h17\"><div class=\"t m0 x7e h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Buildi<span class=\"_ _0\"></span>ngs<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y235e wa7 h17\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y235e w112 h17\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x458 y235e w168 h17\"><div class=\"t m0 x84 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Buildi<span class=\"_ _0\"></span>ngs<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y235e w17c h17\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">Other<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y235e w112 h17\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Total<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x455 y235f wd6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y235f wa7 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y235f w112 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x458 y235f w168 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y235f w17c h18\"><div class=\"t m0 x11 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y235f w112 h18\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2360 w140 h1d\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">At 1 Ja<span class=\"_ _0\"></span>nuary 2<span class=\"_ _0\"></span>02<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2361 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2361 wd6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,095<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2361 w17d h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">435<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2361 wa6 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,530<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x458 y2361 w17e h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,909<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2361 w17c h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">120<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2361 w112 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,029<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2362 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2362 wd6 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,825)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2362 w17d h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(263)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2362 wa6 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,088)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x458 y2362 w17e h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(996)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2362 w17c h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(22)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2362 w112 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,018)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2363 w140 h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x455 y2363 wd6 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,270<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2363 w17d h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">172<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2363 wa6 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,442<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x458 y2363 w17e h17\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,913<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2363 w17c h17\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">98<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2363 w112 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,011<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2364 w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span>4<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2365 w140 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2365 w17f h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,270<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2365 we6 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">172<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2365 wa6 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,442<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y2365 w181 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,913<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2365 w113 h17\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">98<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2365 w112 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,011<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2366 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2366 w17f h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x456 y2366 we6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2366 wa6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y2366 w181 h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x459 y2366 w113 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2366 w112 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2367 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Adjustme<span class=\"_ _0\"></span>nts upon reas<span class=\"_ _0\"></span>sessm<span class=\"_ _0\"></span>ent <span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45c y2369 w255 h205\"><div class=\"t m0 x26e h3 y2368 ff1 fs1 fc0 sc0 ls5 ws6\">of leas<span class=\"_ _1\"></span>e term in r<span class=\"_ _1\"></span>espect o<span class=\"_ _1\"></span>f<span class=\"_ _bc\"> </span></div><div class=\"t m0 x45b h3 y2270 ff1 fs1 fc0 sc0 ls5 ws6\">extens<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> (see No<span class=\"_ _1\"></span>te 12)<span class=\"_ _bc\"> </span></div></td><td class=\"c x455 y236a w17f h17\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236a we6 h17\"><div class=\"t m0 xcd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x457 y236a wa6 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236a w181 h17\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x459 y236a w113 h17\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x45a y236a w112 h17\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y236b w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y236b w17f h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(477)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236b we6 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(105)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y236b wa6 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(582)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236b w181 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(278)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y236b w113 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(42)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y236b w112 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(320)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y236c w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls24 ws9\">At<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">31 Decem<span class=\"_ _1\"></span>ber 2024</span></span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x455 y236c w17f h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,650<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236c we6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">189<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y236c wa6 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,839<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236c w181 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,635<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y236c w113 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y236c w112 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,813<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y236d w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2024<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y236e w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y236e w17f h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,952<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236e we6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">557<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y236e wa6 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,509<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236e w181 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,909<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y236e w113 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">242<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y236e w112 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,151<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y236f w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y236f w17f h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,302)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y236f we6 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(368)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y236f wa6 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,670)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y236f w181 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,274)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y236f w113 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(64)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y236f w112 h18\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,338)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2370 w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x455 y2370 w17f h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,650<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y2370 we6 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">189<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x457 y2370 wa6 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,839<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y2370 w181 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,635<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y2370 w113 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">178<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45a y2370 w112 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,813<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2371 w140 h1d\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Year ended 31 December 202<span class=\"_ _0\"></span><span class=\"ls1\">5</span><span class=\"ls1\"><span class=\"ffa\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2372 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 1 Janu<span class=\"_ _1\"></span>ary 202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x455 y2372 w17f h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,650<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2372 we6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2372 wa6 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,839<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2372 w181 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,635<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y2372 w113 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">178<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2372 w112 h18\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,813<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2373 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2373 w17f h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">1 ,702<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2373 we6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">752<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2373 wa6 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,454<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2373 w181 h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y2373 w113 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2373 w112 h18\"><div class=\"t m0 xb5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2374 w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Derecognitio<span class=\"_ _1\"></span>n <span class=\"ls8 wsa\">upon termi<span class=\"_ _0\"></span>nation</span><span class=\"ls8 wsa\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x455 y2374 w17f h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(633)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2374 we6 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(35)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2374 wa6 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(668)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2374 w181 h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y2374 w113 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(35)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2374 w112 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(35)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2375 w140 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Adjustme<span class=\"_ _0\"></span>nts upon reas<span class=\"_ _0\"></span>sessm<span class=\"_ _0\"></span>ent <span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45c y2377 w255 h206\"><div class=\"t m0 x26e h3 y2376 ff1 fs1 fc0 sc0 ls5 ws6\">of leas<span class=\"_ _1\"></span>e term in r<span class=\"_ _1\"></span>espect o<span class=\"_ _1\"></span>f<span class=\"_ _bc\"> </span></div><div class=\"t m0 x45b h3 y2270 ff1 fs1 fc0 sc0 ls5 ws6\">extens<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span> (see No<span class=\"_ _1\"></span>te 12)<span class=\"_ _bc\"> </span></div></td><td class=\"c x455 y2378 w17f h18\"><div class=\"t m0 x104 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x456 y2378 we6 h18\"><div class=\"t m0 xcd h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x457 y2378 wa6 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x40e y2378 w181 h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y2378 w113 h18\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x45a y2378 w112 h18\"><div class=\"t m0 x10b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2379 w140 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> charg<span class=\"_ _1\"></span>e for th<span class=\"_ _1\"></span>e year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y2379 w17f h17\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(643)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2379 we6 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(153)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2379 wa6 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(796)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2379 w181 h17\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(278)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y2379 w113 h17\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(63)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2379 w112 h17\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(341)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x270 y237a w256 h206\"><div class=\"t m0 x26e h3 y2376 ff1 fs1 fc0 sc0 ls6 ws7\">Depreciation re<span class=\"_ _1\"></span>leased on<span class=\"_ _bc\"> </span></div><div class=\"t m0 x45d h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">derecognition<span class=\"_ _1\"></span> <span class=\"ls8 ws16\">upon<span class=\"_ _bc\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y237b w140 h168\"><div class=\"t m0 x88 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">termina<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y237b w17f h168\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">615<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y237b we6 h168\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">4<span class=\"ffa\"> </span></div></td><td class=\"c x457 y237b wa6 h168\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">619<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y237b w181 h168\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y237b w113 h168\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">4<span class=\"ffa\"> </span></div></td><td class=\"c x45a y237b w112 h168\"><div class=\"t m0 x49 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">4 </div></td></tr><tr><td class=\"c x402 y237c w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">At 31 December 2025<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y237c w17f h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,698<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y237c we6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y237c wa6 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,455<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y237c w181 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,357<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y237c w113 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">159<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y237c w112 h18\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,516<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y237d w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">At 31 Decembe<span class=\"_ _1\"></span>r 2025<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y237e w140 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls24 ws9\">Cost<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y237e w17f h1d\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">8 ,028<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y237e we6 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,274<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y237e wa6 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,302<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y237e w181 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,909<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y237e w113 h1d\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">282<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y237e w112 h1d\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,191<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y237f w140 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accumulated d<span class=\"_ _1\"></span>epreciation<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x455 y237f w17f h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(2,330)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y237f we6 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(517)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y237f wa6 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(2,847)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y237f w181 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,552)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y237f w113 h18\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(123)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y237f w112 h18\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,675)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2380 w140 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">Net book am<span class=\"_ _0\"></span>ount<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x455 y2380 w17f h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,698<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x456 y2380 we6 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x457 y2380 wa6 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,455<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40e y2380 w181 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,357<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y2380 w113 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">159<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x45a y2380 w112 h18\"><div class=\"t m0 x80 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,516<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs857\">The Grou<span class=\"_ _1\"></span>p and<span class=\"_ _1\"></span> the Ban<span class=\"_ _1\"></span>k\u2019s<span class=\"_ _1\"></span> lease lia<span class=\"_ _1\"></span>bilit<span class=\"_ _1\"></span>ies are p<span class=\"_ _1\"></span>resent<span class=\"_ _1\"></span>ed bel<span class=\"_ _1\"></span>ow:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w257 h207\" id=\"_5fdfc7c2-2f65-4ff3-a1ae-47df5e34db84\"><tr><td></td><td></td><td class=\"c x45e y2381 wc8 h18\"><div class=\"t m0 x110 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c x3f6 y2381 wc8 h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x45e y2382 w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2382 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2382 w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2382 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x45e y2383 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2383 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2383 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2383 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2384 w182 h18\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Lease li<span class=\"_ _0\"></span>abilities (Note 23)<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2385 w182 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Current<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x45e y2385 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">672<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f7 y2385 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">928<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2385 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">226<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2385 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">678<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2386 w182 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls7 ws4e\">Non<span class=\"ls1 ws1\">-<span class=\"lsa ws24\">current</span></span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x45e y2386 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,80<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x3f7 y2386 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,175<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f6 y2386 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,197<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3f8 y2386 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,373<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c n x45f y1fd0 w258 h1fb\"><div class=\"t m0 x26e h15 y2387 ff3 fs1 fc0 sc0 ls6 ws8\">6,477<span class=\"_ _bc\"> </span></div></td><td class=\"c n x460 y1fd0 w259 h1fb\"><div class=\"t m0 x26e h15 y2387 ff1 fs1 fc0 sc0 ls6 ws8\">5,103<span class=\"_ _bc\"> </span></div></td><td class=\"c n x461 y1fd0 w258 h1fb\"><div class=\"t m0 x26e h15 y2387 ff3 fs1 fc0 sc0 ls6 ws8\">2,423<span class=\"_ _bc\"> </span></div></td><td class=\"c n x462 y1fd0 w259 h1fb\"><div class=\"t m0 x26e h15 y2387 ff1 fs1 fc0 sc0 ls6 ws8\">3,051<span class=\"_ _bc\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs85a\">The following t<span class=\"_ _1\"></span>ables sho<span class=\"_ _1\"></span>w the movements<span class=\"_ _1\"></span> in lease liabilit<span class=\"_ _1\"></span>ies during t<span class=\"_ _1\"></span>he year:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w25a h208\" id=\"_d709aba5-b390-4c8e-9a11-74381eb70a16\"><tr><td></td><td></td><td class=\"c x3f5 y2388 wc8 h18\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3fb y2388 wc8 h18\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y2389 w54 h17\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2389 wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2389 w54 h17\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y2389 wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3f5 y238a w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fa y238a wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y238a w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fc y238a wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y238b wdd h18\"><div class=\"t m0 x10 h15 y179 ff3 fs1 fc0 sc0 ls18 ws7f\">Lease<span class=\"_ _1\"></span> liabil<span class=\"_ _1\"></span>ities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y238c wdd h17\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">At begi<span class=\"_ _0\"></span>nning of ye<span class=\"_ _0\"></span>ar<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y238c w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,103<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y238c wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,545<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y238c w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,051<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y238c wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,070<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y238d wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y238d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,360<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y238d wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y238d w54 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">76<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y238d wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">122<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y238e wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">A<span class=\"ls6 ws7\">cquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary</span><span class=\"ffb\"> </span></div></td><td class=\"c x3f5 y238e w54 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">94<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y238e wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y238e w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3fc y238e wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3f0 y238f wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Paymen<span class=\"_ _1\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y238f w54 h18\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,211)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y238f wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(542)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y238f w54 h18\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(741)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y238f wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(213)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2390 wdd h1d\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Interest charge<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2390 w54 h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">174<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2390 wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">121<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2390 w54 h1d\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fc y2390 wd5 h1d\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">72<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2391 wdd h31\"><div class=\"t m0 x10 h3 y3a3 ff1 fs1 fc0 sc0 ls5 ws6\">Adju<span class=\"_ _1\"></span>stment<span class=\"_ _1\"></span>s up<span class=\"_ _1\"></span>on reass<span class=\"_ _1\"></span>essment o<span class=\"_ _1\"></span>f lease<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2391 wdd h31\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">term in r<span class=\"_ _1\"></span>espect<span class=\"_ _1\"></span> of exten<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3f5 y2391 w54 h31\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x3fa y2391 wd5 h31\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">857<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fb y2391 w54 h31\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x3fc y2391 wd5 h31\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3f0 y2392 wdd h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Derecognitio<span class=\"_ _1\"></span>n <span class=\"ls8 wsa\">upon termi<span class=\"_ _0\"></span>nation</span><span class=\"ls8 wsa\"><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x3f5 y2392 w54 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(50)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x3fa y2392 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3fb y2392 w54 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls9 wsa\">(3<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x3fc y2392 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x3f0 y2393 wdd h16a\"><div class=\"t m0 x10 h3 y19e1 ff1 fs1 fc0 sc0 ls5 ws6\">At end<span class=\"_ _1\"></span> of year<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c n x45f y1fd0 w258 h1f9\"><div class=\"t m0 x26e h15 y22dd ff3 fs1 fc0 sc0 ls6 ws8\">6,477<span class=\"_ _bc\"> </span></div></td><td class=\"c n x460 y1fd0 w259 h1f9\"><div class=\"t m0 x26e h15 y22dd ff1 fs1 fc0 sc0 ls6 ws8\">5,103<span class=\"_ _bc\"> </span></div></td><td class=\"c n x461 y1fd0 w258 h1f9\"><div class=\"t m0 x26e h15 y22dd ff3 fs1 fc0 sc0 ls6 ws8\">2,423<span class=\"_ _bc\"> </span></div></td><td class=\"c n x462 y1fd0 w259 h1f9\"><div class=\"t m0 x26e h15 y22dd ff1 fs1 fc0 sc0 ls6 ws8\">3,051<span class=\"_ _bc\"> </span></div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w25b h209\" id=\"_b95bcbdd-07ae-4cad-ae0f-2358a2af2b9a\"><tr><td></td><td></td><td class=\"c x464 y2394 wc8 h17\"><div class=\"t m0 xf7 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x465 y2394 wc8 h17\"><div class=\"t m0 x106 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x464 y2395 w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x466 y2395 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x465 y2395 w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x467 y2395 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x464 y2396 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x466 y2396 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x465 y2396 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x467 y2396 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x468 y2397 wdd h2f\"><div class=\"t m0 xd h8 y3a3 ff5 fs1 fc0 sc0 lsb ws24\">The income statemen<span class=\"_ _0\"></span>t ref<span class=\"_ _0\"></span>lects the fol<span class=\"_ _0\"></span>lowing </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x468 y2397 wdd h2f\"><div class=\"t m0 x84 h15 y179 ff5 fs1 fc0 sc0 lsb ws24\">amounts relati<span class=\"_ _0\"></span>ng to leases:<span class=\"_ _0\"></span><span class=\"fff ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x468 y2398 wdd h18\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Depreciation ch<span class=\"_ _1\"></span>arge o<span class=\"ls1 ws1\">n </span><span class=\"ws8\">righ<span class=\"_ _1\"></span>t<span class=\"ls1 ws1\">-<span class=\"ls7 ws4e\">of</span>-<span class=\"lse ws2c\">use asse<span class=\"_ _0\"></span>ts</span></span></span><span class=\"ws8\"><span class=\"ls1 ws1\"><span class=\"lse ws2c\"><span class=\"ffb ls1 ws1\"> </span></span></span></span></div></td><td class=\"c x464 y2398 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">796<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x466 y2398 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">582<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x465 y2398 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">341<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x467 y2398 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">320<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x468 y2399 wdd h18\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x464 y2399 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">174<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x466 y2399 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">121<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x465 y2399 w54 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">69<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x467 y2399 wd5 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">72<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x468 y239a wdd h156\"><div class=\"t m0 x84 h3 y3a3 ff1 fs1 fc0 sc0 ls8 wsa\">Expense re<span class=\"_ _0\"></span>lating<span class=\"_ _0\"></span> to short<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">term leases (i<span class=\"_ _1\"></span>nclud<span class=\"_ _1\"></span>ed</span></span><span class=\"ls1 ws1\"><span class=\"ls5 ws6\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x468 y239a wdd h156\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">in ad<span class=\"_ _1\"></span>minis<span class=\"_ _1\"></span>trativ<span class=\"_ _1\"></span>e expens<span class=\"_ _1\"></span>es)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x464 y239a w54 h156\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">51<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x466 y239a wd5 h156\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">509<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x465 y239a w54 h156\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">80<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x467 y239a wd5 h156\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">95<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x468 y239b wdd h1f\"><div class=\"t m0 x84 h3 y1a0 ff1 fs1 fc0 sc0 ls5 ws6\">Expen<span class=\"_ _1\"></span>se rela<span class=\"_ _1\"></span>ting to<span class=\"_ _1\"></span> leases<span class=\"_ _1\"></span> of low<span class=\"ls1 ws1\">-<span class=\"lse ws2c\">value asse<span class=\"_ _0\"></span>ts</span></span><span class=\"ls1 ws1\"><span class=\"lse ws2c\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x469 h3 y239c ff1 fs1 fc0 sc0 ls7 ws1\">that are not shown above as <span class=\"_ _0\"></span>short<span class=\"ls1\">-<span class=\"ls5 ws6\">term leas<span class=\"_ _1\"></span>es</span></span><span class=\"ls1\"><span class=\"ls5 ws6\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x468 y239b wdd h1f\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">(include<span class=\"_ _0\"></span>d in admi<span class=\"_ _0\"></span>nistrative<span class=\"_ _0\"></span> expe<span class=\"_ _0\"></span>nses)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x464 y239b w54 h1f\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">197<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x466 y239b wd5 h1f\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">211<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x465 y239b w54 h1f\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">36<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x467 y239b wd5 h1f\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">34<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs85e\">The tot<span class=\"_ _0\"></span>al cash paym<span class=\"_ _0\"></span>ents for<span class=\"_ _0\"></span> le<span class=\"_ _0\"></span>ases, incl<span class=\"_ _0\"></span>uding short<span class=\"ls1 ws1\">-<span class=\"ls5 ws83\">term and low</span>-<span class=\"ls6 ws61\">v<span class=\"_ _1\"></span>alue leases, in<span class=\"_ _1\"></span> 202</span>5 <span class=\"_ _10\"> </span><span class=\"ls5 ws83\">was \u20ac<span class=\"ls6 ws8\">1,982,00<span class=\"_ _1\"></span>0</span></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs85f\">(202<span class=\"ls1 ws1\">4<span class=\"lsd ws74\">: \u20ac</span></span>1,387,0<span class=\"_ _1\"></span>00<span class=\"ls8 wsa\">) for t<span class=\"_ _0\"></span>he Group and \u20ac<span class=\"ls6 ws8\">858,000 (202<span class=\"ls1 ws1\">4<span class=\"lsd ws74\">: \u20ac</span></span>334,000<span class=\"ls7 ws1\">) for the Bank.<span class=\"ls1\"> </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs860\">There w<span class=\"ls7 ws4e\">as<span class=\"ls1 ws1\"> </span></span><span class=\"ws6\">n<span class=\"_ _1\"></span>o expen<span class=\"_ _1\"></span>se relat<span class=\"_ _1\"></span>ing to<span class=\"_ _1\"></span> varia<span class=\"_ _1\"></span>ble leas<span class=\"_ _1\"></span>e paymen<span class=\"_ _1\"></span>ts which wer<span class=\"_ _1\"></span>e not<span class=\"_ _1\"></span> includ<span class=\"_ _1\"></span>ed in the meas<span class=\"_ _1\"></span>ure<span class=\"_ _1\"></span>ment of<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs861\">lease liabiliti<span class=\"_ _1\"></span>es.<span class=\"ls1 ws1\"> <span class=\"_ _12\"> </span></span><span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-504": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs863\">14.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Defe<span class=\"_ _0\"></span>rred tax ass<span class=\"_ _0\"></span>ets a<span class=\"_ _0\"></span>nd liabi<span class=\"_ _0\"></span>lities<span class=\"_ _11\"></span><span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs864\"> <span class=\"_ _9c\"> </span><span class=\"ls6 ws12\">Deferred taxes a<span class=\"_ _1\"></span>re calculated<span class=\"_ _1\"></span> using th<span class=\"_ _1\"></span>e principal ta<span class=\"_ _1\"></span>x rate of <span class=\"ws8\">35<span class=\"ls5 ws2b\">% (202</span></span></span>4<span class=\"ls5 ws2b\">: 3<span class=\"_ _1\"></span>5%), wit<span class=\"_ _1\"></span>h the ex<span class=\"_ _1\"></span>cept<span class=\"_ _1\"></span>ion of d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs865\"> <span class=\"_ _9c\"> </span><span class=\"ls7 ws82\">taxation on the fair valuation of<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls8 wsb\">depreciabl<span class=\"_ _0\"></span>e prope<span class=\"_ _0\"></span>rty, which i<span class=\"_ _0\"></span>s computed on the<span class=\"_ _0\"></span> basis applicable<span class=\"_ _0\"></span> to </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs866\"> <span class=\"_ _9c\"> </span><span class=\"ls5 ws6\">disp<span class=\"_ _1\"></span>osa<span class=\"_ _1\"></span>ls of immova<span class=\"_ _1\"></span>ble pr<span class=\"_ _1\"></span>oper<span class=\"_ _1\"></span>ty, b<span class=\"_ _1\"></span>ased on<span class=\"_ _1\"></span> tax effects<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e tran<span class=\"_ _1\"></span>sfer va<span class=\"_ _1\"></span>lue.</span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls1 ws1 gs867\"> <span class=\"_ _9c\"> </span><span class=\"ls6 ws7\">Deferred tax as<span class=\"_ _1\"></span>sets and<span class=\"_ _1\"></span> liabilities are attri<span class=\"_ _1\"></span>butable to t<span class=\"_ _1\"></span>he following:</span> </div><div class=\"gsb6\"><table class=\"s w25c h20a\" id=\"_5ff3a943-3d28-4bf7-b59e-4e8d0fd822aa\"><tr><td></td><td class=\"c x46b y239d w183 h18\"><div class=\"t m0 xe2 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Assets<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46c y239d w114 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">Liabi<span class=\"_ _1\"></span>litie<span class=\"_ _1\"></span>s<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46d y239d w184 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">Net<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y239d w185 h18\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 lse ws8b\">Assets<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y239d w186 h18\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Liabilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y239d wa7 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Net<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x46b y239e w183 h17\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x46c y239e w114 h17\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x46d y239e w184 h17\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x46e y239e w185 h17\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x46f y239e w186 h17\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x470 y239e wa7 h17\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y239f w179 h18\"><div class=\"t m0 x6d h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y239f w183 h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000</div></td><td class=\"c x46c y239f w114 h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000</div></td><td class=\"c x46d y239f w184 h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000</div></td><td class=\"c x46e y239f w185 h18\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y239f w186 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y239f wa7 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a0 w179 h18\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deferred<span class=\"_ _1\"></span> tax a<span class=\"_ _1\"></span>sset,<span class=\"_ _1\"></span> after offs<span class=\"_ _1\"></span>ett<span class=\"_ _1\"></span>ing<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x471 y23a1 w179 h156\"><div class=\"t m0 x11 h3 y3a3 ff1 fs1 fc0 sc0 ls5 ws6\">Differen<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span> between<span class=\"_ _1\"></span> deprec<span class=\"_ _1\"></span>iati<span class=\"_ _1\"></span>on </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x471 y23a1 w179 h156\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">and cap<span class=\"_ _1\"></span>ital allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y23a1 w183 h156\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46c y23a1 w114 h156\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(23<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x46d y23a1 w184 h156\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\"></span><span class=\"ls6 ws8\">23</span>6)<span class=\"ffa\"> </span></div></td><td class=\"c x46e y23a1 w185 h156\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x46f y23a1 w186 h156\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(252)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y23a1 wa7 h156\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(252)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x473 y23a2 w25d h20b\"><div class=\"t m0 x26e h3 y2295 ff1 fs1 fc0 sc0 ls6 ws7\">Provisio<span class=\"_ _1\"></span>ns for liabi<span class=\"_ _1\"></span>lities and<span class=\"_ _bc\"> </span></div><div class=\"t m0 x472 h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">charges<span class=\"_ _bc\"> </span></div></td><td class=\"c x46b y23a3 w183 h2f\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8<span class=\"ls6 ws8\">93</span><span class=\"ffa\"> </span></div></td><td class=\"c x46c y23a3 w114 h2f\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46d y23a3 w184 h2f\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8<span class=\"ls6 ws8\">93</span><span class=\"ffa\"> </span></div></td><td class=\"c x46e y23a3 w185 h2f\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y23a3 w186 h2f\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x470 y23a3 wa7 h2f\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a4 w179 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y23a4 w183 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,062<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46c y23a4 w114 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46d y23a4 w184 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,062<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y23a4 w185 h18\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,361<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y23a4 w186 h18\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x470 y23a4 wa7 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,361<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a5 w179 h31\"><div class=\"t m0 x11 h3 y3a3 ff1 fs1 fc0 sc0 ls6 ws7\">Fair value mov<span class=\"_ _1\"></span>ements on<span class=\"_ _1\"></span> financial </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x471 y23a5 w179 h31\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y23a5 w183 h31\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,769<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46c y23a5 w114 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46d y23a5 w184 h31\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,769<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y23a5 w185 h31\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">4<span class=\"ls6 ws8\">,049</span><span class=\"ffb\"> </span></div></td><td class=\"c x46f y23a5 w186 h31\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x470 y23a5 wa7 h31\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,049<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a6 w179 h17\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Others<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y23a6 w183 h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46c y23a6 w114 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">33</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x46d y23a6 w184 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">33</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x46e y23a6 w185 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y23a6 w186 h17\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x470 y23a6 wa7 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x46b y23a7 w183 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">6,7<span class=\"ls6 ws8\">24</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x46c y23a7 w114 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(26<span class=\"ls1 ws1\">9</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x46d y23a7 w184 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,455<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y23a7 w185 h18\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,213<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y23a7 w186 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(252)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y23a7 wa7 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,961<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a8 w179 h18\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Deferred tax liab<span class=\"_ _1\"></span>ility<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x471 y23a9 w179 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Revaluation of proper<span class=\"_ _0\"></span>ty<span class=\"ffb ls1\"> </span></div></td><td class=\"c x46b y23a9 w183 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46c y23a9 w114 h18\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46d y23a9 w184 h18\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y23a9 w185 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x46f y23a9 w186 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y23a9 wa7 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x46b y2300 w183 h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46c y2300 w114 h17\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46d y2300 w184 h17\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y2300 w185 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x46f y2300 w186 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y2300 wa7 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w25e h20c\" id=\"_a22a6abc-bf01-423f-bb39-5950f11cfc78\"><tr><td class=\"t m0 x475 h3 y23aa ff1 fs1 fc0 sc0 ls5 ws6\">Movemen<span class=\"_ _1\"></span>t in d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> tax as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> and li<span class=\"_ _1\"></span>abilit<span class=\"_ _1\"></span>ies rela<span class=\"_ _1\"></span>te to:<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x476 y23ab wb h15b\"><div class=\"t m0 xdb h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws8\">Recognised<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x477 y23ab w18a h15b\"><div class=\"t m0 x22 h9 y3a9 ff3 fs1 fc0 sc0 ls7 ws4e\">Recognised<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x478 h3 y23ac ff1 fs1 fc0 sc0 ls1 ws9\">At 1<span class=\"ws1\"> </span></td><td class=\"t m0 x479 h3 y23ac ff1 fs1 fc0 sc0 ls6 ws8\">Recognised<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x47a h3 y23ac ff1 fs1 fc0 sc0 ls8 wsa\">in other<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x47b h3 y23ac ff1 fs1 fc0 sc0 ls6 ws7\">At 31<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x47c h9 y23ac ff3 fs1 fc0 sc0 ls7 ws4e\">Recognised<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x47d h9 y23ac ff3 fs1 fc0 sc0 ls7 ws1\">in other<span class=\"ls1\"> </span></td><td class=\"t m0 x47e h9 y23ac ff3 fs1 fc0 sc0 ls1 ws1\">  <span class=\"ls24 ws71\">At 31<span class=\"_ _1\"></span></span> </td></tr><tr><td></td><td class=\"t m0 x47f h3 y23ad ff1 fs1 fc0 sc0 ls7 ws4e\">January<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x480 h3 y23ad ff1 fs1 fc0 sc0 ls6 ws7\">in profit <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x481 h3 y23ad ff1 fs1 fc0 sc0 ls5 ws7\">compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x482 h3 y23ad ff1 fs1 fc0 sc0 ls5 ws7\">Decemb<span class=\"_ _1\"></span>er<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x483 h9 y23ad ff3 fs1 fc0 sc0 ls20 ws4e\">in profi<span class=\"_ _0\"></span>t <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x484 h9 y23ad ff3 fs1 fc0 sc0 ls20 ws7e\">comprehens<span class=\"_ _0\"></span>iv<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x485 h9 y23ad ff3 fs1 fc0 sc0 ls7 ws4e\">December<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x486 y23ab wd5 h15b\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x487 y23ab w54 h15b\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">or loss<span class=\"ffb ls1\"> </span></div></td><td class=\"c x476 y23ab wb h15b\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">income<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23ab wa7 h15b\"><div class=\"t m0 xd4 h15 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _1c\"></span><span class=\"ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></span></div></td><td class=\"c x489 y23ab wbc h15b\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">or loss<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x477 y23ab w18a h15b\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">income<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48a y23ab wd5 h15b\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">  <span class=\"ls6 ws8\"></span><span class=\"ls6 ws8\">202</span>5<span class=\"_ _1\"></span> </div></td></tr><tr><td class=\"c x48b y23ae w189 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23ae wd5 h31\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23ae w54 h31\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23ae wb h31\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">  <span class=\"ls6 ws7\">\u20ac 000<span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x488 y23ae wa7 h31\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23ae wbc h31\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x477 y23ae w18a h31\"><div class=\"t m0 xf h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48a y23ae wd5 h31\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x48b y23af w189 h17\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Differen<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span> between<span class=\"_ _1\"></span> deprec<span class=\"_ _1\"></span>iati<span class=\"_ _1\"></span>on an<span class=\"_ _1\"></span>d capi<span class=\"_ _1\"></span>tal all<span class=\"_ _1\"></span>owances<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23af wd5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(42)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23af w54 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(210)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23af wb h17\"><div class=\"t m0 x171 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x488 y23af wa7 h17\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(252)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23af wbc h17\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">16<span class=\"ffa\"> </span></div></td><td class=\"c x477 y23af w18a h17\"><div class=\"t m0 x55 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23af wd5 h17\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(23<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x48b y23b0 w189 h18\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Provisio<span class=\"_ _1\"></span>ns for liabi<span class=\"_ _1\"></span>lities and charges<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23b0 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">288<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b0 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">403<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23b0 wb h18\"><div class=\"t m0 xea h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">29<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b0 wa7 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b0 wbc h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">17<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x477 y23b0 w18a h18\"><div class=\"t m0 x14 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b0 wd5 h18\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8<span class=\"ls6 ws8\">93</span> </div></td></tr><tr><td class=\"c x48b y23b1 w189 h18\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23b1 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,385<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b1 w54 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,110)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23b1 wb h18\"><div class=\"t m0 xea h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b1 wa7 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,361<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b1 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">301</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x477 y23b1 w18a h18\"><div class=\"t m0 x23 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b1 wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,062<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x48b y23b2 w189 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Revaluation of proper<span class=\"_ _0\"></span>ty<span class=\"_ _bc\"> </span></div></td><td class=\"c x486 y23b2 wd5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,099)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b2 w54 h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x476 y23b2 wb h18\"><div class=\"t m0 x104 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(725)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b2 wa7 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b2 wbc h18\"><div class=\"t m0 x6b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x477 y23b2 w18a h18\"><div class=\"t m0 x152 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">26<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48a y23b2 wd5 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x48b y23b3 w189 h17\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Fair v<span class=\"_ _1\"></span>alue mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>s on i<span class=\"_ _1\"></span>nvestmen<span class=\"_ _1\"></span>ts<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23b3 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,048<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b3 w54 h17\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x476 y23b3 wb h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,999)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b3 wa7 h17\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,049<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b3 wbc h17\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x477 y23b3 w18a h17\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">1,299</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b3 wd5 h17\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,769<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x48b y23b4 w189 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Others<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x486 y23b4 wd5 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">15<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b4 w54 h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">68<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23b4 wb h18\"><div class=\"t m0 x171 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x488 y23b4 wa7 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b4 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(11<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x477 y23b4 w18a h18\"><div class=\"t m0 x55 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b4 wd5 h18\"><div class=\"t m0 x49 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">33</span>) </div></td></tr><tr><td></td><td class=\"c x486 y23b5 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,595<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b5 w54 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(849)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23b5 wb h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,609)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b5 wa7 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,137<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b5 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">207</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x477 y23b5 w18a h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">1,273</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b5 wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,657<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs8cb\">34.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Income t<span class=\"_ _1\"></span>ax expense </span><span class=\"fs2\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs8cc\">Recognised in<span class=\"_ _1\"></span> profit or los<span class=\"_ _1\"></span>s:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w260 h22f\" id=\"_9400ce35-44a7-404e-8f9b-dbe7b95d828c\"><tr><td></td><td class=\"c x48e y24e0 wc8 h18\"><div class=\"t m0 x6b h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td class=\"c x48f y24e0 wc8 h18\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24e1 w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24e1 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e1 w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24e1 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24e2 w54 h1d\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24e2 wd5 h1d\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e2 w54 h1d\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24e2 wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24e3 wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Current<span class=\"_ _0\"></span> taxat<span class=\"_ _0\"></span>ion<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24e4 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Current tax expense<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24e4 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,<span class=\"ls1 ws1\">977</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y24e4 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,408<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,38<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y24e4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,181<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24e5 wde h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Deferred taxation<span class=\"ffb ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24e6 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deferred<span class=\"_ _1\"></span> tax ch<span class=\"_ _1\"></span>arge (n<span class=\"_ _1\"></span>ote 14<span class=\"_ _1\"></span>)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24e6 w54 h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">20<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y24e6 wd5 h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">849<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e6 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y24e6 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">696<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24e7 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,184<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24e7 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,257<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e7 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,610<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24e7 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,877<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>The tax<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e profit<span class=\"_ _1\"></span> before in<span class=\"_ _1\"></span>come tax d<span class=\"_ _1\"></span>iffers<span class=\"_ _1\"></span> from th<span class=\"_ _1\"></span>e theo<span class=\"_ _1\"></span>retical<span class=\"_ _1\"></span> amoun<span class=\"_ _1\"></span>t tha<span class=\"_ _1\"></span>t would<span class=\"_ _1\"></span> arise us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e tax rate applica<span class=\"_ _1\"></span>ble as follows: <div class=\"gsb6\"><table class=\"s w27d h230\" id=\"_bebadfb3-2f61-4519-87f9-ebfa7edd77b9\"><tr><td></td><td class=\"c x48e y24e8 wc8 hdd\"><div class=\"t m0 x6b h15 yf2d ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y24e8 wc8 hdd\"><div class=\"t m0 x46 h9 yf2d ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x48e y24e9 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24e9 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e9 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y24e9 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24ea w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24ea wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24ea w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24ea wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24eb wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Profit<span class=\"_ _1\"></span> befor<span class=\"_ _1\"></span>e tax <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24eb w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23,767<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24eb wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,41<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x48f y24eb w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">19,061<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24eb wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16,101<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ec wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Tax on profit at 35<span class=\"_ _0\"></span>%<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y24ec w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">8,318<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24ec wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,795<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24ec w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,671<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24ec wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,635<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ed wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Tax effe<span class=\"_ _1\"></span>ct of: <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24ee wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Expenses not de<span class=\"_ _0\"></span>ductibl<span class=\"_ _0\"></span>e for t<span class=\"_ _11\"></span>ax purposes<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24ee w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">498<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24ee wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">776<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24ee w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">288<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24ee wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">435<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ef wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Deductions<span class=\"_ _1\"></span> attribut<span class=\"_ _1\"></span>able to usage of electric<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24f0 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">     <span class=\"ls6 ws8\">vehicles </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x48e y24f0 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x42f y24f0 wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(315)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f0 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x490 y24f0 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24f1 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Income t<span class=\"_ _1\"></span>axed a<span class=\"_ _1\"></span>t diff<span class=\"_ _1\"></span>erent ta<span class=\"_ _1\"></span>x rat<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24f1 w54 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(45)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24f1 wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(118)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f1 w54 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(11)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24f1 wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(232)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24f2 wde h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Share of re<span class=\"_ _0\"></span>sults of associate<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y24f2 w54 h17\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,157)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24f2 wd5 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">15<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f2 w54 h17\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y24f2 wd5 h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24f3 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls9 ws8\">Income not subject to tax<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24f3 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x42f y24f3 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x48f y24f3 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(983)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24f3 wd5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(52)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24f4 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24f4 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(430)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24f4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">104<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f4 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(355)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24f4 wd5 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">91<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24f5 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,184<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24f5 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,257<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f5 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,610<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24f5 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,877<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws41 gs8a3\">The tax<span class=\"_ _1\"></span> impacts<span class=\"_ _1\"></span>, whic<span class=\"_ _1\"></span>h are ent<span class=\"_ _1\"></span>irely a<span class=\"_ _1\"></span>ttribu<span class=\"_ _1\"></span>tab<span class=\"_ _1\"></span>le to deferr<span class=\"_ _1\"></span>ed taxa<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span>, relati<span class=\"_ _1\"></span>ng to co<span class=\"_ _1\"></span>mponent<span class=\"_ _1\"></span>s of ot<span class=\"_ _1\"></span>her </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8a4\">compre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income and ac<span class=\"_ _0\"></span>cording<span class=\"_ _0\"></span>ly prese<span class=\"_ _0\"></span>nted dir<span class=\"_ _0\"></span>ectly in e<span class=\"_ _0\"></span>quity are a<span class=\"_ _0\"></span>s follow<span class=\"_ _0\"></span>s: <span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w27f h232\" id=\"_d92ffe79-64f7-42ab-be04-8a300d44f5b4\"><tr><td></td><td></td><td class=\"c x4c1 y24fb w1b0 h18\"><div class=\"t m0 x23 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x4d8 y24fb w1b1 h18\"><div class=\"t m0 x55 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x40c y24fc w1b3 h1c\"><div class=\"t m0 x35 h9 y196 ff3 fs1 fc0 sc0 lsd ws44\">Tax </div></td><td></td><td></td><td class=\"c x4d9 y24fc w1b2 h1c\"><div class=\"t m0 xb5 h3 y196 ff1 fs1 fc0 sc0 ls18 ws74\">Tax </div></td><td></td></tr><tr><td></td><td class=\"t m0 x455 h9 y24fd ff3 fs1 fc0 sc0 ls20 ws7e\">Before<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4da h9 y24fd ff3 fs1 fc0 sc0 ls7 ws4e\">credit/<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4db h9 y24fd ff3 fs1 fc0 sc0 ls7 ws1\">Net of </td><td class=\"t m0 x4dc h3 y24fd ff1 fs1 fc0 sc0 ls5 ws7\">Befor<span class=\"_ _1\"></span>e </td><td class=\"t m0 x4dd h3 y24fd ff1 fs1 fc0 sc0 ls6 ws8\">credit/<span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x4c1 y24fc w1b2 h1c\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">tax<span class=\"ffa\"> </span></div></td><td class=\"c x40c y24fc w1b3 h1c\"><div class=\"t m0 x88 h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">(charge)<span class=\"ls1 ws1\"> <span class=\"ffa\"> </span></span></div></td><td class=\"c x4de y24fc w1b4 h1c\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">tax<span class=\"ffa\"> </span></div></td><td class=\"c x4d8 y24fc w1b2 h1c\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls9 wsa\">tax<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y24fc w1b2 h1c\"><div class=\"t m0 x107 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(charge)<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x4df y24fc w1b3 h1c\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Net of t<span class=\"_ _1\"></span>ax<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4c1 y24fe w1b2 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40c y24fe w1b3 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4de y24fe w1b4 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d8 y24fe w1b2 h18\"><div class=\"t m0 xe2 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">     <span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4d9 y24fe w1b2 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">        <span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4df y24fe w1b3 h18\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">      <span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ff w1a7 h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x270 y2500 w280 h1ed\"><div class=\"t m0 x26e h3 y226f ff1 fs1 fc0 sc0 ls7 ws1\">Fair valuation of land an<span class=\"_ _0\"></span>d<span class=\"_ _bc\"> </span></div><div class=\"t m0 x276 h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">buildin<span class=\"_ _1\"></span>gs<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c1 y2501 w1b2 h31\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x40c y2501 w1b3 h31\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4de y2501 w1b4 h31\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4d8 y2501 w1b2 h31\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,058<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2501 w1b2 h31\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(725)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4df y2501 w1b3 h31\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2502 w1a7 h2f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls6 ws7\">Fair valua<span class=\"_ _1\"></span>tion of finan<span class=\"_ _1\"></span>cial </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2502 w1a7 h2f\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">ass<span class=\"_ _1\"></span>ets meas<span class=\"_ _1\"></span>ured a<span class=\"_ _1\"></span>t FVOCI:<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2503 w1a7 h18\"><div class=\"t m0 x88 h2d y179 ffb fs1 fc0 sc0 ls1 ws1\">\u2022<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1 ls6 ws7\">N<span class=\"_ _1\"></span>et changes in<span class=\"_ _1\"></span> fair value</span></span><span class=\"ff9\"><span class=\"ff1 ls6 ws7\"><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x4c1 y2503 w1b2 h18\"><div class=\"t m0 x84 h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">      <span class=\"ls6 ws8\">3,492</span><span class=\"ffa ws1\"> </span></div></td><td class=\"c x40c y2503 w1b3 h18\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,299)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4de y2503 w1b4 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,193<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d8 y2503 w1b2 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,872<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2503 w1b2 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,074)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4df y2503 w1b3 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,798<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e1 y2504 w281 h233\"><div class=\"t m0 x26e h2d y2376 ffb fs1 fc0 sc0 ls1 ws1\">\u2022<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1 ls5 ws6\">N<span class=\"_ _1\"></span>et mov<span class=\"_ _1\"></span>ement a<span class=\"_ _1\"></span>ttrib<span class=\"_ _1\"></span>utab<span class=\"_ _1\"></span>le<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 x4e0 h3 y2270 ff1 fs1 fc0 sc0 ls6 ws7\">to change in<span class=\"_ _1\"></span> credit risk</div></td><td class=\"c x4c1 y2505 w1b2 h31\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(5)</span><span class=\"ffa\"> </span></div></td><td class=\"c x40c y2505 w1b3 h31\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x4de y2505 w1b4 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d8 y2505 w1b2 h31\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(247)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2505 w1b2 h31\"><div class=\"t m0 xe2 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">          <span class=\"ls6 ws8\">86</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4df y2505 w1b3 h31\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(161)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2506 w1a7 h31\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls5 ws6\">Remeas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ents o<span class=\"_ _1\"></span>f defined<span class=\"_ _1\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2506 w1a7 h31\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">benefit obligat<span class=\"_ _1\"></span>ions<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c1 y2506 w1b2 h31\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x40c y2506 w1b3 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(2)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4de y2506 w1b4 h31\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x4d8 y2506 w1b2 h31\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(84)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2506 w1b2 h31\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">29<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4df y2506 w1b3 h31\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(55)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4c1 y2507 w1b2 h17\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40c y2507 w1b3 h17\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,299)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4de y2507 w1b4 h17\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,197<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d8 y2507 w1b2 h17\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">13,599<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2507 w1b2 h17\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,684)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4df y2507 w1b3 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,915<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-27": {
   "value": "14.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Defe<span class=\"_ _0\"></span>rred tax ass<span class=\"_ _0\"></span>ets a<span class=\"_ _0\"></span>nd liabi<span class=\"_ _0\"></span>lities<span class=\"_ _11\"></span><span class=\"fs2 ls1 ws1\"> </span></span> <span class=\"_ _9c\"> </span><span class=\"ls6 ws12\">Deferred taxes a<span class=\"_ _1\"></span>re calculated<span class=\"_ _1\"></span> using th<span class=\"_ _1\"></span>e principal ta<span class=\"_ _1\"></span>x rate of <span class=\"ws8\">35<span class=\"ls5 ws2b\">% (202</span></span></span>4<span class=\"ls5 ws2b\">: 3<span class=\"_ _1\"></span>5%), wit<span class=\"_ _1\"></span>h the ex<span class=\"_ _1\"></span>cept<span class=\"_ _1\"></span>ion of d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> </span> <span class=\"_ _9c\"> </span><span class=\"ls7 ws82\">taxation on the fair valuation of<span class=\"_ _0\"></span> non<span class=\"ls1 ws1\">-<span class=\"ls8 wsb\">depreciabl<span class=\"_ _0\"></span>e prope<span class=\"_ _0\"></span>rty, which i<span class=\"_ _0\"></span>s computed on the<span class=\"_ _0\"></span> basis applicable<span class=\"_ _0\"></span> to </span></span></span> <span class=\"_ _9c\"> </span><span class=\"ls5 ws6\">disp<span class=\"_ _1\"></span>osa<span class=\"_ _1\"></span>ls of immova<span class=\"_ _1\"></span>ble pr<span class=\"_ _1\"></span>oper<span class=\"_ _1\"></span>ty, b<span class=\"_ _1\"></span>ased on<span class=\"_ _1\"></span> tax effects<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e tran<span class=\"_ _1\"></span>sfer va<span class=\"_ _1\"></span>lue.</span>  <span class=\"_ _9c\"> </span><span class=\"ls6 ws7\">Deferred tax as<span class=\"_ _1\"></span>sets and<span class=\"_ _1\"></span> liabilities are attri<span class=\"_ _1\"></span>butable to t<span class=\"_ _1\"></span>he following:</span> <table class=\"s w25c h20a\" id=\"_5ff3a943-3d28-4bf7-b59e-4e8d0fd822aa\"><tr><td></td><td class=\"c x46b y239d w183 h18\"><div class=\"t m0 xe2 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">Assets<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46c y239d w114 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">Liabi<span class=\"_ _1\"></span>litie<span class=\"_ _1\"></span>s<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46d y239d w184 h18\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">Net<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y239d w185 h18\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 lse ws8b\">Assets<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y239d w186 h18\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">Liabilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y239d wa7 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Net<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x46b y239e w183 h17\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x46c y239e w114 h17\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x46d y239e w184 h17\"><div class=\"t m0 xe1 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x46e y239e w185 h17\"><div class=\"t m0 xe1 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x46f y239e w186 h17\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x470 y239e wa7 h17\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y239f w179 h18\"><div class=\"t m0 x6d h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y239f w183 h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000</div></td><td class=\"c x46c y239f w114 h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000</div></td><td class=\"c x46d y239f w184 h18\"><div class=\"t m0 xdf h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000</div></td><td class=\"c x46e y239f w185 h18\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y239f w186 h18\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y239f wa7 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a0 w179 h18\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deferred<span class=\"_ _1\"></span> tax a<span class=\"_ _1\"></span>sset,<span class=\"_ _1\"></span> after offs<span class=\"_ _1\"></span>ett<span class=\"_ _1\"></span>ing<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x471 y23a1 w179 h156\"><div class=\"t m0 x11 h3 y3a3 ff1 fs1 fc0 sc0 ls5 ws6\">Differen<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span> between<span class=\"_ _1\"></span> deprec<span class=\"_ _1\"></span>iati<span class=\"_ _1\"></span>on </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x471 y23a1 w179 h156\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">and cap<span class=\"_ _1\"></span>ital allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y23a1 w183 h156\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46c y23a1 w114 h156\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(23<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x46d y23a1 w184 h156\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\"></span><span class=\"ls6 ws8\">23</span>6)<span class=\"ffa\"> </span></div></td><td class=\"c x46e y23a1 w185 h156\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x46f y23a1 w186 h156\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(252)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y23a1 wa7 h156\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(252)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x473 y23a2 w25d h20b\"><div class=\"t m0 x26e h3 y2295 ff1 fs1 fc0 sc0 ls6 ws7\">Provisio<span class=\"_ _1\"></span>ns for liabi<span class=\"_ _1\"></span>lities and<span class=\"_ _bc\"> </span></div><div class=\"t m0 x472 h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">charges<span class=\"_ _bc\"> </span></div></td><td class=\"c x46b y23a3 w183 h2f\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8<span class=\"ls6 ws8\">93</span><span class=\"ffa\"> </span></div></td><td class=\"c x46c y23a3 w114 h2f\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46d y23a3 w184 h2f\"><div class=\"t m0 x90 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8<span class=\"ls6 ws8\">93</span><span class=\"ffa\"> </span></div></td><td class=\"c x46e y23a3 w185 h2f\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y23a3 w186 h2f\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x470 y23a3 wa7 h2f\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a4 w179 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y23a4 w183 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,062<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46c y23a4 w114 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46d y23a4 w184 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,062<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y23a4 w185 h18\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,361<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y23a4 w186 h18\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x470 y23a4 wa7 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,361<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a5 w179 h31\"><div class=\"t m0 x11 h3 y3a3 ff1 fs1 fc0 sc0 ls6 ws7\">Fair value mov<span class=\"_ _1\"></span>ements on<span class=\"_ _1\"></span> financial </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x471 y23a5 w179 h31\"><div class=\"t m0 xd4 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y23a5 w183 h31\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,769<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46c y23a5 w114 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46d y23a5 w184 h31\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,769<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y23a5 w185 h31\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">4<span class=\"ls6 ws8\">,049</span><span class=\"ffb\"> </span></div></td><td class=\"c x46f y23a5 w186 h31\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x470 y23a5 wa7 h31\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,049<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a6 w179 h17\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Others<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46b y23a6 w183 h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46c y23a6 w114 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">33</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x46d y23a6 w184 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">33</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x46e y23a6 w185 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y23a6 w186 h17\"><div class=\"t m0 xd9 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x470 y23a6 wa7 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x46b y23a7 w183 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">6,7<span class=\"ls6 ws8\">24</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x46c y23a7 w114 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(26<span class=\"ls1 ws1\">9</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x46d y23a7 w184 h18\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,455<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y23a7 w185 h18\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,213<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x46f y23a7 w186 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(252)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y23a7 wa7 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,961<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x471 y23a8 w179 h18\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Deferred tax liab<span class=\"_ _1\"></span>ility<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x471 y23a9 w179 h18\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Revaluation of proper<span class=\"_ _0\"></span>ty<span class=\"ffb ls1\"> </span></div></td><td class=\"c x46b y23a9 w183 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46c y23a9 w114 h18\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46d y23a9 w184 h18\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y23a9 w185 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x46f y23a9 w186 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y23a9 wa7 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x46b y2300 w183 h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x46c y2300 w114 h17\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46d y2300 w184 h17\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x46e y2300 w185 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x46f y2300 w186 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x470 y2300 wa7 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ls1 ws1\"> </span></div></td></tr></table><table class=\"s w25e h20c\" id=\"_a22a6abc-bf01-423f-bb39-5950f11cfc78\"><tr><td class=\"t m0 x475 h3 y23aa ff1 fs1 fc0 sc0 ls5 ws6\">Movemen<span class=\"_ _1\"></span>t in d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> tax as<span class=\"_ _1\"></span>sets<span class=\"_ _1\"></span> and li<span class=\"_ _1\"></span>abilit<span class=\"_ _1\"></span>ies rela<span class=\"_ _1\"></span>te to:<span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x476 y23ab wb h15b\"><div class=\"t m0 xdb h3 y3a9 ff1 fs1 fc0 sc0 ls6 ws8\">Recognised<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x477 y23ab w18a h15b\"><div class=\"t m0 x22 h9 y3a9 ff3 fs1 fc0 sc0 ls7 ws4e\">Recognised<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x478 h3 y23ac ff1 fs1 fc0 sc0 ls1 ws9\">At 1<span class=\"ws1\"> </span></td><td class=\"t m0 x479 h3 y23ac ff1 fs1 fc0 sc0 ls6 ws8\">Recognised<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x47a h3 y23ac ff1 fs1 fc0 sc0 ls8 wsa\">in other<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x47b h3 y23ac ff1 fs1 fc0 sc0 ls6 ws7\">At 31<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x47c h9 y23ac ff3 fs1 fc0 sc0 ls7 ws4e\">Recognised<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x47d h9 y23ac ff3 fs1 fc0 sc0 ls7 ws1\">in other<span class=\"ls1\"> </span></td><td class=\"t m0 x47e h9 y23ac ff3 fs1 fc0 sc0 ls1 ws1\">  <span class=\"ls24 ws71\">At 31<span class=\"_ _1\"></span></span> </td></tr><tr><td></td><td class=\"t m0 x47f h3 y23ad ff1 fs1 fc0 sc0 ls7 ws4e\">January<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x480 h3 y23ad ff1 fs1 fc0 sc0 ls6 ws7\">in profit <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x481 h3 y23ad ff1 fs1 fc0 sc0 ls5 ws7\">compreh<span class=\"_ _1\"></span>ensiv<span class=\"_ _1\"></span>e<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x482 h3 y23ad ff1 fs1 fc0 sc0 ls5 ws7\">Decemb<span class=\"_ _1\"></span>er<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x483 h9 y23ad ff3 fs1 fc0 sc0 ls20 ws4e\">in profi<span class=\"_ _0\"></span>t <span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x484 h9 y23ad ff3 fs1 fc0 sc0 ls20 ws7e\">comprehens<span class=\"_ _0\"></span>iv<span class=\"_ _0\"></span>e<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x485 h9 y23ad ff3 fs1 fc0 sc0 ls7 ws4e\">December<span class=\"ls1 ws1\"> </span></td></tr><tr><td></td><td class=\"c x486 y23ab wd5 h15b\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x487 y23ab w54 h15b\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">or loss<span class=\"ffb ls1\"> </span></div></td><td class=\"c x476 y23ab wb h15b\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">income<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23ab wa7 h15b\"><div class=\"t m0 xd4 h15 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _1c\"></span><span class=\"ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></span></div></td><td class=\"c x489 y23ab wbc h15b\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls8 wsa\">or loss<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x477 y23ab w18a h15b\"><div class=\"t m0 xe6 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">income<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48a y23ab wd5 h15b\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">  <span class=\"ls6 ws8\"></span><span class=\"ls6 ws8\">202</span>5<span class=\"_ _1\"></span> </div></td></tr><tr><td class=\"c x48b y23ae w189 h31\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23ae wd5 h31\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23ae w54 h31\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23ae wb h31\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">  <span class=\"ls6 ws7\">\u20ac 000<span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x488 y23ae wa7 h31\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23ae wbc h31\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x477 y23ae w18a h31\"><div class=\"t m0 xf h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48a y23ae wd5 h31\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x48b y23af w189 h17\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Differen<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span> between<span class=\"_ _1\"></span> deprec<span class=\"_ _1\"></span>iati<span class=\"_ _1\"></span>on an<span class=\"_ _1\"></span>d capi<span class=\"_ _1\"></span>tal all<span class=\"_ _1\"></span>owances<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23af wd5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(42)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23af w54 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(210)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23af wb h17\"><div class=\"t m0 x171 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x488 y23af wa7 h17\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(252)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23af wbc h17\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">16<span class=\"ffa\"> </span></div></td><td class=\"c x477 y23af w18a h17\"><div class=\"t m0 x55 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23af wd5 h17\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(23<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x48b y23b0 w189 h18\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Provisio<span class=\"_ _1\"></span>ns for liabi<span class=\"_ _1\"></span>lities and charges<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23b0 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">288<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b0 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">403<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23b0 wb h18\"><div class=\"t m0 xea h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">29<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b0 wa7 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b0 wbc h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">17<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x477 y23b0 w18a h18\"><div class=\"t m0 x14 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b0 wd5 h18\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8<span class=\"ls6 ws8\">93</span> </div></td></tr><tr><td class=\"c x48b y23b1 w189 h18\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit loss<span class=\"_ _1\"></span> allowances<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23b1 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,385<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b1 w54 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(1,110)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23b1 wb h18\"><div class=\"t m0 xea h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b1 wa7 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,361<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b1 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">301</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x477 y23b1 w18a h18\"><div class=\"t m0 x23 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b1 wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,062<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x48b y23b2 w189 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Revaluation of proper<span class=\"_ _0\"></span>ty<span class=\"_ _bc\"> </span></div></td><td class=\"c x486 y23b2 wd5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,099)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b2 w54 h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x476 y23b2 wb h18\"><div class=\"t m0 x104 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(725)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b2 wa7 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(4,824)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b2 wbc h18\"><div class=\"t m0 x6b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x477 y23b2 w18a h18\"><div class=\"t m0 x152 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">26<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48a y23b2 wd5 h18\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(4,798)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x48b y23b3 w189 h17\"><div class=\"t m0 xd h15 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Fair v<span class=\"_ _1\"></span>alue mov<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span>s on i<span class=\"_ _1\"></span>nvestmen<span class=\"_ _1\"></span>ts<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x486 y23b3 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,048<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b3 w54 h17\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x476 y23b3 wb h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(2,999)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b3 wa7 h17\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,049<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b3 wbc h17\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">19<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x477 y23b3 w18a h17\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">1,299</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b3 wd5 h17\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,769<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x48b y23b4 w189 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Others<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x486 y23b4 wd5 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">15<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b4 w54 h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">68<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23b4 wb h18\"><div class=\"t m0 x171 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x488 y23b4 wa7 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b4 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(11<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x477 y23b4 w18a h18\"><div class=\"t m0 x55 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b4 wd5 h18\"><div class=\"t m0 x49 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">33</span>) </div></td></tr><tr><td></td><td class=\"c x486 y23b5 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,595<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x487 y23b5 w54 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(849)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x476 y23b5 wb h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,609)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x488 y23b5 wa7 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,137<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x489 y23b5 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">207</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x477 y23b5 w18a h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">1,273</span>)<span class=\"ffa\"> </span></div></td><td class=\"c x48a y23b5 wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,657<span class=\"ls1 ws1\"> </span></div></td></tr></table>34.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Income t<span class=\"_ _1\"></span>ax expense </span><span class=\"fs2\"> </span></span>Recognised in<span class=\"_ _1\"></span> profit or los<span class=\"_ _1\"></span>s:<span class=\"ls1 ws1\"> </span><table class=\"s w260 h22f\" id=\"_9400ce35-44a7-404e-8f9b-dbe7b95d828c\"><tr><td></td><td class=\"c x48e y24e0 wc8 h18\"><div class=\"t m0 x6b h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td class=\"c x48f y24e0 wc8 h18\"><div class=\"t m0 x46 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24e1 w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24e1 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e1 w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24e1 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24e2 w54 h1d\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24e2 wd5 h1d\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e2 w54 h1d\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24e2 wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24e3 wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Current<span class=\"_ _0\"></span> taxat<span class=\"_ _0\"></span>ion<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24e4 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Current tax expense<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24e4 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,<span class=\"ls1 ws1\">977</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y24e4 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,408<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,38<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y24e4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,181<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24e5 wde h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Deferred taxation<span class=\"ffb ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24e6 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Deferred<span class=\"_ _1\"></span> tax ch<span class=\"_ _1\"></span>arge (n<span class=\"_ _1\"></span>ote 14<span class=\"_ _1\"></span>)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24e6 w54 h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">20<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y24e6 wd5 h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">849<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e6 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y24e6 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">696<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24e7 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,184<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24e7 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,257<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e7 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,610<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24e7 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,877<span class=\"ls1 ws1\"> </span></div></td></tr></table>The tax<span class=\"_ _1\"></span> on th<span class=\"_ _1\"></span>e profit<span class=\"_ _1\"></span> before in<span class=\"_ _1\"></span>come tax d<span class=\"_ _1\"></span>iffers<span class=\"_ _1\"></span> from th<span class=\"_ _1\"></span>e theo<span class=\"_ _1\"></span>retical<span class=\"_ _1\"></span> amoun<span class=\"_ _1\"></span>t tha<span class=\"_ _1\"></span>t would<span class=\"_ _1\"></span> arise us<span class=\"_ _1\"></span>ing th<span class=\"_ _1\"></span>e tax rate applica<span class=\"_ _1\"></span>ble as follows: <table class=\"s w27d h230\" id=\"_bebadfb3-2f61-4519-87f9-ebfa7edd77b9\"><tr><td></td><td class=\"c x48e y24e8 wc8 hdd\"><div class=\"t m0 x6b h15 yf2d ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y24e8 wc8 hdd\"><div class=\"t m0 x46 h9 yf2d ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x48e y24e9 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24e9 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24e9 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y24e9 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24ea w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24ea wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24ea w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24ea wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24eb wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Profit<span class=\"_ _1\"></span> befor<span class=\"_ _1\"></span>e tax <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24eb w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23,767<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24eb wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,41<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x48f y24eb w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">19,061<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24eb wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">16,101<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ec wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Tax on profit at 35<span class=\"_ _0\"></span>%<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y24ec w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">8,318<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24ec wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,795<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24ec w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,671<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24ec wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,635<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ed wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Tax effe<span class=\"_ _1\"></span>ct of: <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24ee wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Expenses not de<span class=\"_ _0\"></span>ductibl<span class=\"_ _0\"></span>e for t<span class=\"_ _11\"></span>ax purposes<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24ee w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">498<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24ee wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">776<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24ee w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">288<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24ee wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">435<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ef wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Deductions<span class=\"_ _1\"></span> attribut<span class=\"_ _1\"></span>able to usage of electric<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24f0 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">     <span class=\"ls6 ws8\">vehicles </span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x48e y24f0 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x42f y24f0 wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(315)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f0 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x490 y24f0 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24f1 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Income t<span class=\"_ _1\"></span>axed a<span class=\"_ _1\"></span>t diff<span class=\"_ _1\"></span>erent ta<span class=\"_ _1\"></span>x rat<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24f1 w54 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(45)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24f1 wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(118)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f1 w54 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(11)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24f1 wd5 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(232)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24f2 wde h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Share of re<span class=\"_ _0\"></span>sults of associate<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y24f2 w54 h17\"><div class=\"t m0 xcb h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,157)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24f2 wd5 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">15<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f2 w54 h17\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y24f2 wd5 h17\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24f3 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls9 ws8\">Income not subject to tax<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24f3 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x42f y24f3 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x48f y24f3 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(983)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24f3 wd5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(52)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24f4 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other d<span class=\"_ _1\"></span>ifferen<span class=\"_ _1\"></span>ces<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24f4 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(430)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24f4 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">104<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f4 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(355)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24f4 wd5 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">91<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24f5 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,184<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24f5 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,257<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24f5 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,610<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24f5 wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,877<span class=\"ls1 ws1\"> </span></div></td></tr></table>The tax<span class=\"_ _1\"></span> impacts<span class=\"_ _1\"></span>, whic<span class=\"_ _1\"></span>h are ent<span class=\"_ _1\"></span>irely a<span class=\"_ _1\"></span>ttribu<span class=\"_ _1\"></span>tab<span class=\"_ _1\"></span>le to deferr<span class=\"_ _1\"></span>ed taxa<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span>, relati<span class=\"_ _1\"></span>ng to co<span class=\"_ _1\"></span>mponent<span class=\"_ _1\"></span>s of ot<span class=\"_ _1\"></span>her compre<span class=\"_ _0\"></span>hensive<span class=\"_ _0\"></span> income and ac<span class=\"_ _0\"></span>cording<span class=\"_ _0\"></span>ly prese<span class=\"_ _0\"></span>nted dir<span class=\"_ _0\"></span>ectly in e<span class=\"_ _0\"></span>quity are a<span class=\"_ _0\"></span>s follow<span class=\"_ _0\"></span>s: <span class=\"ls1 ws1\"> </span><table class=\"s w27f h232\" id=\"_d92ffe79-64f7-42ab-be04-8a300d44f5b4\"><tr><td></td><td></td><td class=\"c x4c1 y24fb w1b0 h18\"><div class=\"t m0 x23 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x4d8 y24fb w1b1 h18\"><div class=\"t m0 x55 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x40c y24fc w1b3 h1c\"><div class=\"t m0 x35 h9 y196 ff3 fs1 fc0 sc0 lsd ws44\">Tax </div></td><td></td><td></td><td class=\"c x4d9 y24fc w1b2 h1c\"><div class=\"t m0 xb5 h3 y196 ff1 fs1 fc0 sc0 ls18 ws74\">Tax </div></td><td></td></tr><tr><td></td><td class=\"t m0 x455 h9 y24fd ff3 fs1 fc0 sc0 ls20 ws7e\">Before<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4da h9 y24fd ff3 fs1 fc0 sc0 ls7 ws4e\">credit/<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4db h9 y24fd ff3 fs1 fc0 sc0 ls7 ws1\">Net of </td><td class=\"t m0 x4dc h3 y24fd ff1 fs1 fc0 sc0 ls5 ws7\">Befor<span class=\"_ _1\"></span>e </td><td class=\"t m0 x4dd h3 y24fd ff1 fs1 fc0 sc0 ls6 ws8\">credit/<span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x4c1 y24fc w1b2 h1c\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">tax<span class=\"ffa\"> </span></div></td><td class=\"c x40c y24fc w1b3 h1c\"><div class=\"t m0 x88 h15 y179 ff3 fs1 fc0 sc0 ls7 ws4e\">(charge)<span class=\"ls1 ws1\"> <span class=\"ffa\"> </span></span></div></td><td class=\"c x4de y24fc w1b4 h1c\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">tax<span class=\"ffa\"> </span></div></td><td class=\"c x4d8 y24fc w1b2 h1c\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls9 wsa\">tax<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y24fc w1b2 h1c\"><div class=\"t m0 x107 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(charge)<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x4df y24fc w1b3 h1c\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Net of t<span class=\"_ _1\"></span>ax<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4c1 y24fe w1b2 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40c y24fe w1b3 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4de y24fe w1b4 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d8 y24fe w1b2 h18\"><div class=\"t m0 xe2 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">     <span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4d9 y24fe w1b2 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">        <span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4df y24fe w1b3 h18\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">      <span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ff w1a7 h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x270 y2500 w280 h1ed\"><div class=\"t m0 x26e h3 y226f ff1 fs1 fc0 sc0 ls7 ws1\">Fair valuation of land an<span class=\"_ _0\"></span>d<span class=\"_ _bc\"> </span></div><div class=\"t m0 x276 h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">buildin<span class=\"_ _1\"></span>gs<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c1 y2501 w1b2 h31\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x40c y2501 w1b3 h31\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4de y2501 w1b4 h31\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4d8 y2501 w1b2 h31\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,058<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2501 w1b2 h31\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(725)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4df y2501 w1b3 h31\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2502 w1a7 h2f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls6 ws7\">Fair valua<span class=\"_ _1\"></span>tion of finan<span class=\"_ _1\"></span>cial </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2502 w1a7 h2f\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">ass<span class=\"_ _1\"></span>ets meas<span class=\"_ _1\"></span>ured a<span class=\"_ _1\"></span>t FVOCI:<span class=\"_ _bc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2503 w1a7 h18\"><div class=\"t m0 x88 h2d y179 ffb fs1 fc0 sc0 ls1 ws1\">\u2022<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1 ls6 ws7\">N<span class=\"_ _1\"></span>et changes in<span class=\"_ _1\"></span> fair value</span></span><span class=\"ff9\"><span class=\"ff1 ls6 ws7\"><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x4c1 y2503 w1b2 h18\"><div class=\"t m0 x84 h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">      <span class=\"ls6 ws8\">3,492</span><span class=\"ffa ws1\"> </span></div></td><td class=\"c x40c y2503 w1b3 h18\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,299)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4de y2503 w1b4 h18\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,193<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d8 y2503 w1b2 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,872<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2503 w1b2 h18\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,074)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4df y2503 w1b3 h18\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,798<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e1 y2504 w281 h233\"><div class=\"t m0 x26e h2d y2376 ffb fs1 fc0 sc0 ls1 ws1\">\u2022<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1 ls5 ws6\">N<span class=\"_ _1\"></span>et mov<span class=\"_ _1\"></span>ement a<span class=\"_ _1\"></span>ttrib<span class=\"_ _1\"></span>utab<span class=\"_ _1\"></span>le<span class=\"_ _bc\"> </span></span></span></div><div class=\"t m0 x4e0 h3 y2270 ff1 fs1 fc0 sc0 ls6 ws7\">to change in<span class=\"_ _1\"></span> credit risk</div></td><td class=\"c x4c1 y2505 w1b2 h31\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(5)</span><span class=\"ffa\"> </span></div></td><td class=\"c x40c y2505 w1b3 h31\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x4de y2505 w1b4 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(3)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d8 y2505 w1b2 h31\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(247)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2505 w1b2 h31\"><div class=\"t m0 xe2 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">          <span class=\"ls6 ws8\">86</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x4df y2505 w1b3 h31\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(161)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2506 w1a7 h31\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls5 ws6\">Remeas<span class=\"_ _1\"></span>urem<span class=\"_ _1\"></span>ents o<span class=\"_ _1\"></span>f defined<span class=\"_ _1\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2506 w1a7 h31\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">benefit obligat<span class=\"_ _1\"></span>ions<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c1 y2506 w1b2 h31\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x40c y2506 w1b3 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(2)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4de y2506 w1b4 h31\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"ffa\"> </span></div></td><td class=\"c x4d8 y2506 w1b2 h31\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(84)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2506 w1b2 h31\"><div class=\"t m0 xb5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">29<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4df y2506 w1b3 h31\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(55)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4c1 y2507 w1b2 h17\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x40c y2507 w1b3 h17\"><div class=\"t m0 xf3 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,299)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4de y2507 w1b4 h17\"><div class=\"t m0 x80 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,197<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d8 y2507 w1b2 h17\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">13,599<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d9 y2507 w1b2 h17\"><div class=\"t m0 xf3 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(3,684)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4df y2507 w1b3 h17\"><div class=\"t m0 x80 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,915<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-28": {
   "value": "15.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span>Inventor<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span><table class=\"s w25f h20d\" id=\"_21ad4e62-5a0f-436e-b218-d0b2f158b728\"><tr><td></td><td></td><td class=\"c x456 y23b6 w18c h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c x48c y23b6 w18d h18\"><div class=\"t m0 x171 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23b7 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x48d y23b7 wd4 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x48c y23b7 we6 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x459 y23b7 w55 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23b8 wbc h1d\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23b8 wd4 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48c y23b8 we6 h1d\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x459 y23b8 w55 h1d\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23b9 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Postal s<span class=\"_ _1\"></span>upplies and<span class=\"_ _1\"></span> materials<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23b9 wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">337<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23b9 wd4 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">331<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48c y23b9 we6 h18\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y23b9 w55 h18\"><div class=\"t m0 xea h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23ba w18b h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 ws16\">Mercha<span class=\"_ _0\"></span>ndise<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23ba wbc h17\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">521<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y23ba wd4 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">522<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48c y23ba we6 h17\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x459 y23ba w55 h17\"><div class=\"t m0 xea h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23bb w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Stocks for resale<span class=\"ffb ls1\"> </span></div></td><td class=\"c x456 y23bb wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">235<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23bb wd4 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">822<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48c y23bb we6 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">235<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y23bb w55 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">822<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23bc w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other s<span class=\"_ _1\"></span>tock<span class=\"_ _1\"></span> items<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23bc wbc h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">56<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23bc wd4 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">56<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48c y23bc we6 h18\"><div class=\"t m0 xcd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">56<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y23bc w55 h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">56<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23bd wbc h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,149<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23bd wd4 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,731<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48c y23bd we6 h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">291<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x459 y23bd w55 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">878<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInventoriesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-464": {
   "value": "<div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws114 gs86b\">16.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Trade and oth<span class=\"_ _1\"></span>er recei<span class=\"_ _1\"></span>vables </span> </span></div><div class=\"gsb6\"><table class=\"s w260 h20e\" id=\"_5a9d8092-61fc-4e28-a311-836e70ad67ef\"><tr><td></td><td></td><td class=\"c x48e y23be wc8 h18\"><div class=\"t m0 x14e h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y23be wc8 h18\"><div class=\"t m0 x171 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23bf w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42f y23bf wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23bf w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y23bf wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23c0 w54 h17\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42f y23c0 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c0 w54 h17\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y23c0 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23c1 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Trade rec<span class=\"_ _1\"></span>eiva<span class=\"_ _1\"></span>bles <span class=\"ls1 ws1\">- </span>n<span class=\"_ _1\"></span>et of ex<span class=\"_ _1\"></span>pected <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y23c2 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">   <span class=\"ls6 ws7\">credit loss<span class=\"_ _1\"></span> allowances</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x48e y23c2 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,311<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23c2 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,341<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c2 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x490 y23c2 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23c3 wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Others<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23c3 w54 h1d\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,11<span class=\"ls1 ws1\">6<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x42f y23c3 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,638<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c3 w54 h1d\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls18 ws74\">7,2<span class=\"ls6 ws8\">38<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x490 y23c3 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,443<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23c4 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16,42<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y23c4 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,979<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">7,2<span class=\"ls6 ws8\">38</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x490 y23c4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,443<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs86e\">The exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nces in<span class=\"_ _1\"></span> respec<span class=\"_ _1\"></span>t of trad<span class=\"_ _1\"></span>e recei<span class=\"_ _1\"></span>vab<span class=\"_ _1\"></span>les ar<span class=\"_ _1\"></span>e analy<span class=\"_ _1\"></span>sed as fo<span class=\"_ _1\"></span>llows<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w261 h20f\" id=\"_ec213c80-6bad-41c7-b9ae-404665971bdb\"><tr><td></td><td></td><td class=\"c x436 y23c5 w18f h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c x458 y23c5 w190 h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23c6 w191 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x491 y23c6 w192 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x404 y23c6 w53 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x405 y23c6 wd4 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23c7 w191 h1d\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x491 y23c7 w192 h1d\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23c7 w53 h1d\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23c7 wd4 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23c8 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Loss allowance as at 1 Ja<span class=\"_ _0\"></span>nuary<span class=\"ffb ls1\"> </span></div></td><td class=\"c x456 y23c8 w191 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">203<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x491 y23c8 w192 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">91<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23c8 w53 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23c8 wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23c9 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">A<span class=\"ls6 ws7\">cquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary</span><span class=\"ffb\"> </span></div></td><td class=\"c x456 y23c9 w191 h18\"><div class=\"t m0 x6b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td><td class=\"c x491 y23c9 w192 h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x404 y23c9 w53 h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23c9 wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23ca w18b h2f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls8 wsa\">Net charg<span class=\"_ _0\"></span><span class=\"ls1 ws1\">e <span class=\"ls6 ws7\">recognised in p<span class=\"_ _1\"></span>rofit</span></span><span class=\"ls1 ws1\"><span class=\"ls6 ws7\"> </span> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y23ca w18b h2f\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls8 wsa\">or loss dur<span class=\"_ _0\"></span>ing the ye<span class=\"_ _0\"></span>ar<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></span></div></td><td class=\"c x456 y23ca w191 h2f\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">57<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x492 h3 y23cb ff1 fs1 fc0 sc0 ls6 ws8\">112<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x404 y23ca w53 h2f\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23ca wd4 h2f\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23cc w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Loss a<span class=\"_ _1\"></span>llowance as at 31 Dece<span class=\"_ _1\"></span>mber<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23cc w191 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">26<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x491 y23cc w192 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">203<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23cc w53 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23cc wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr></table></div><div class=\"t m0 h5 ff3 fs0 fc0 sc0 ls3 ws114 gs871\">17.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Accrued<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> and oth<span class=\"_ _0\"></span>er as<span class=\"_ _0\"></span>sets</span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span></div><div class=\"gsb6\"><table class=\"s w261 h210\" id=\"_61668c39-d9d0-497a-a9c4-a59a9c5ee751\"><tr><td></td><td></td><td class=\"c x456 y23cd wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x40e y23cd wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23ce w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48d y23ce wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23ce w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23ce wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23cf w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48d y23cf wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23cf w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23cf wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d0 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accrued incom<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d0 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,512<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23d0 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,553<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d0 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,485<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y23d0 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,524<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d1 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Prepa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,116<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23d1 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,551<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,009<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y23d1 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d2 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d2 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,099<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y23d2 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,331<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d2 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,099<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23d2 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,331<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23d3 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,727<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y23d3 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,435<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d3 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,593<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23d3 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,612<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-486": {
   "value": "16.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Trade and oth<span class=\"_ _1\"></span>er recei<span class=\"_ _1\"></span>vables </span> </span><table class=\"s w260 h20e\" id=\"_5a9d8092-61fc-4e28-a311-836e70ad67ef\"><tr><td></td><td></td><td class=\"c x48e y23be wc8 h18\"><div class=\"t m0 x14e h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y23be wc8 h18\"><div class=\"t m0 x171 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23bf w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42f y23bf wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23bf w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y23bf wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23c0 w54 h17\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x42f y23c0 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c0 w54 h17\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y23c0 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23c1 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Trade rec<span class=\"_ _1\"></span>eiva<span class=\"_ _1\"></span>bles <span class=\"ls1 ws1\">- </span>n<span class=\"_ _1\"></span>et of ex<span class=\"_ _1\"></span>pected <span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y23c2 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">   <span class=\"ls6 ws7\">credit loss<span class=\"_ _1\"></span> allowances</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x48e y23c2 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,311<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23c2 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,341<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c2 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x490 y23c2 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23c3 wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Others<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23c3 w54 h1d\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,11<span class=\"ls1 ws1\">6<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x42f y23c3 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,638<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c3 w54 h1d\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls18 ws74\">7,2<span class=\"ls6 ws8\">38<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x490 y23c3 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,443<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23c4 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16,42<span class=\"ls1 ws1\">7</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y23c4 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,979<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23c4 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">7,2<span class=\"ls6 ws8\">38</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x490 y23c4 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,443<span class=\"ls1 ws1\"> </span></div></td></tr></table>The exp<span class=\"_ _1\"></span>ected cr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span> loss<span class=\"_ _1\"></span> allowa<span class=\"_ _1\"></span>nces in<span class=\"_ _1\"></span> respec<span class=\"_ _1\"></span>t of trad<span class=\"_ _1\"></span>e recei<span class=\"_ _1\"></span>vab<span class=\"_ _1\"></span>les ar<span class=\"_ _1\"></span>e analy<span class=\"_ _1\"></span>sed as fo<span class=\"_ _1\"></span>llows<span class=\"_ _1\"></span>:<span class=\"ls1 ws1\"> </span><table class=\"s w261 h20f\" id=\"_ec213c80-6bad-41c7-b9ae-404665971bdb\"><tr><td></td><td></td><td class=\"c x436 y23c5 w18f h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"_ _bc\"> </span></div></td><td></td><td class=\"c x458 y23c5 w190 h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23c6 w191 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x491 y23c6 w192 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x404 y23c6 w53 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x405 y23c6 wd4 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23c7 w191 h1d\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x491 y23c7 w192 h1d\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23c7 w53 h1d\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23c7 wd4 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23c8 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Loss allowance as at 1 Ja<span class=\"_ _0\"></span>nuary<span class=\"ffb ls1\"> </span></div></td><td class=\"c x456 y23c8 w191 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">203<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x491 y23c8 w192 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">91<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23c8 w53 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23c8 wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23c9 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">A<span class=\"ls6 ws7\">cquisiti<span class=\"_ _1\"></span>on of subsid<span class=\"_ _1\"></span>iary</span><span class=\"ffb\"> </span></div></td><td class=\"c x456 y23c9 w191 h18\"><div class=\"t m0 x6b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">3<span class=\"_ _bc\"> </span></div></td><td class=\"c x491 y23c9 w192 h18\"><div class=\"t m0 x27 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x404 y23c9 w53 h18\"><div class=\"t m0 x37 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23c9 wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23ca w18b h2f\"><div class=\"t m0 xd h3 y3a3 ff1 fs1 fc0 sc0 ls8 wsa\">Net charg<span class=\"_ _0\"></span><span class=\"ls1 ws1\">e <span class=\"ls6 ws7\">recognised in p<span class=\"_ _1\"></span>rofit</span></span><span class=\"ls1 ws1\"><span class=\"ls6 ws7\"> </span> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y23ca w18b h2f\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ls8 wsa\">or loss dur<span class=\"_ _0\"></span>ing the ye<span class=\"_ _0\"></span>ar<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></span></div></td><td class=\"c x456 y23ca w191 h2f\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">57<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x492 h3 y23cb ff1 fs1 fc0 sc0 ls6 ws8\">112<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x404 y23ca w53 h2f\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23ca wd4 h2f\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y23cc w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Loss a<span class=\"_ _1\"></span>llowance as at 31 Dece<span class=\"_ _1\"></span>mber<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23cc w191 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">26<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x491 y23cc w192 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">203<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x404 y23cc w53 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x405 y23cc wd4 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-487": {
   "value": "17.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Accrued<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> and oth<span class=\"_ _0\"></span>er as<span class=\"_ _0\"></span>sets</span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span><table class=\"s w261 h210\" id=\"_61668c39-d9d0-497a-a9c4-a59a9c5ee751\"><tr><td></td><td></td><td class=\"c x456 y23cd wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x40e y23cd wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23ce w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48d y23ce wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23ce w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23ce wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23cf w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48d y23cf wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23cf w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23cf wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d0 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accrued incom<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d0 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,512<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23d0 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,553<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d0 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,485<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y23d0 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,524<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d1 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Prepa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,116<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23d1 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,551<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,009<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y23d1 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d2 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d2 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,099<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y23d2 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,331<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d2 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,099<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23d2 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,331<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23d3 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,727<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y23d3 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,435<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d3 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,593<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23d3 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,612<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-29": {
   "value": "17.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Accrued<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> and oth<span class=\"_ _0\"></span>er as<span class=\"_ _0\"></span>sets</span><span class=\"ws3\"><span class=\"ls1 ws1\"> </span></span><table class=\"s w261 h210\" id=\"_61668c39-d9d0-497a-a9c4-a59a9c5ee751\"><tr><td></td><td></td><td class=\"c x456 y23cd wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x40e y23cd wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23ce w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48d y23ce wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23ce w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23ce wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23cf w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48d y23cf wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23cf w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y23cf wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d0 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Accrued incom<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d0 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,512<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23d0 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,553<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d0 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,485<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y23d0 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,524<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d1 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Prepa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,116<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y23d1 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,551<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d1 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,009<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y23d1 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">757<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d2 w18b h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x456 y23d2 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,099<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y23d2 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,331<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d2 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,099<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23d2 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,331<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x456 y23d3 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,727<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y23d3 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,435<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y23d3 w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,593<span class=\"_ _bc\"> </span></div></td><td class=\"c x405 y23d3 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,612<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-465": {
   "value": "<div class=\"gsb6\"><table class=\"s w263 h212\" id=\"_6a37e9de-ead2-4d67-98b6-cbe46fe6c714\"><tr><td class=\"t m0 x297 h5 y23db ff3 fs0 fc0 sc0 ls3 ws114\">18.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls71 ws116\">Share cap<span class=\"_ _1\"></span>ital</span></span><span class=\"ls1 ws1\"><span class=\"ls71 ws116\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y23dc wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y23dd wc8 h17\"><div class=\"t m0 xf4 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td></td><td class=\"c x494 y23dd wc8 h17\"><div class=\"t m0 xf4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y23de w54 h31\"><div class=\"t m0 xdf h9 y3a3 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _b1\"> </span><span class=\"ls8 wsa\">No. of</span> </div></td><td></td><td class=\"c x494 y23de w54 h31\"><div class=\"t m0 xdf h3 y3a3 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls7\">No. of</span> </div></td><td></td></tr><tr><td></td><td class=\"c x493 y23de w54 h31\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Shares<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y23de w54 h31\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">sha<span class=\"_ _1\"></span>res<span class=\"ffb ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x493 y23df w54 h1d\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _58\"> </span><span class=\"ls6 ws8\">000s</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y23df wd5 h1d\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _2e\"> </span><span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ffa\"> </span></div></td><td class=\"c x494 y23df w54 h1d\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _58\"> </span><span class=\"ls6 ws8\">000s<span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x496 y23df wd5 h1d\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _b1\"> </span><span class=\"ls6 ws7\">\u20ac 000<span class=\"_ _1\"></span></span> </div></td></tr><tr><td class=\"c x40a y23e0 wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Authori<span class=\"_ _0\"></span>sed<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x497 y23e3 w264 h213\"><div class=\"t m0 x26e h3 y23e1 ff1 fs1 fc0 sc0 lsa ws44\">Ordinary shares o<span class=\"_ _1\"></span>f <span class=\"ls6 ws8\">\u20ac0.125<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">each<span class=\"_ _bc\"> </span></span></span></span></div><div class=\"t m0 x26e h9 y23e2 ff3 fs1 fc0 sc0 ls6 ws8\">Issued<span class=\"_ _bc\"> </span></div></td><td class=\"c x498 y23e4 w265 h1fb\"><div class=\"t m0 x26e h15 y2387 ff3 fs1 fc0 sc0 ls6 ws8\">300,000<span class=\"_ _bc\"> </span></div></td><td class=\"c x499 y23e4 w266 h1fb\"><div class=\"t m0 x26e h15 y2387 ff3 fs1 fc0 sc0 ls6 ws8\">37,500<span class=\"_ _bc\"> </span></div></td><td class=\"c x49a y23e5 w267 h1fb\"><div class=\"t m0 x26e h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">300,000<span class=\"_ _bc\"> </span></div></td><td class=\"c x49b y23e5 w268 h1fb\"><div class=\"t m0 x26e h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">37,500<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x40a y23e6 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Ordinary shares o<span class=\"_ _1\"></span>f <span class=\"ls6 ws8\">\u20ac0.125<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">each</span></span></span><span class=\"ls6 ws8\"><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x493 y23e6 w54 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">154,572<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y23e6 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">19,322<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x494 y23e6 w54 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">154,572<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y23e6 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,322<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs875\">19.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws0\">Reserves</span><span class=\"fs2\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs876\">These res<span class=\"_ _1\"></span>erv<span class=\"_ _1\"></span>es are n<span class=\"_ _1\"></span>on<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">distributable<span class=\"_ _0\"></span>.<span class=\"ff5 ls1 ws1\"> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs877\">19.1<span class=\"ls1 ws1\"> <span class=\"_ _b1\"> </span><span class=\"ls5 ws6\">Sha<span class=\"_ _1\"></span>re premiu<span class=\"_ _1\"></span>m</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs878\">The share<span class=\"_ _0\"></span> premium<span class=\"_ _0\"></span> comprises pre<span class=\"_ _0\"></span>mium<span class=\"_ _0\"></span> attributabl<span class=\"_ _0\"></span>e to the<span class=\"_ _0\"></span> scrip issue<span class=\"_ _0\"></span> of ordina<span class=\"_ _0\"></span>ry share<span class=\"_ _0\"></span>s. Util<span class=\"_ _0\"></span>isation of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs879\">the share<span class=\"_ _0\"></span> premi<span class=\"_ _0\"></span>um acc<span class=\"_ _0\"></span>ount is gover<span class=\"_ _0\"></span>ned by t<span class=\"_ _0\"></span>he requi<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ents of Arti<span class=\"_ _0\"></span>cle 1<span class=\"_ _0\"></span>14 wi<span class=\"_ _0\"></span>thin the Com<span class=\"_ _0\"></span>panies A<span class=\"_ _0\"></span>ct, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs87a\">Chap<span class=\"_ _1\"></span>ter 386 of t<span class=\"_ _1\"></span>he La<span class=\"_ _1\"></span>ws of Ma<span class=\"_ _1\"></span>lta.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs87b\">19.2<span class=\"ls1 ws1\"> <span class=\"_ _2a\"> </span><span class=\"ls5 ws6\">Reval<span class=\"_ _1\"></span>uatio<span class=\"_ _1\"></span>n and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> reserves</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs87c\">The G<span class=\"_ _0\"></span>roup and the B<span class=\"_ _0\"></span>ank had t<span class=\"_ _0\"></span>he fol<span class=\"_ _0\"></span>lowing<span class=\"_ _0\"></span> reserves as at<span class=\"_ _0\"></span> end of the<span class=\"_ _0\"></span> repor<span class=\"_ _0\"></span>ting pe<span class=\"_ _0\"></span>riod:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w262 h211\" id=\"_bfb0f4d1-8609-441e-a738-3dac2e103a60\"><tr><td></td><td></td><td class=\"c x48e y23d4 wc8 h1d\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y23d4 wc8 h1d\"><div class=\"t m0 x10d h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23d5 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d5 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d5 w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y23d5 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23d6 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d6 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d6 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y23d6 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d7 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Property revaluation reserve<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23d7 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16,893<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d7 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">17,016<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d7 w54 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">12,728<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y23d7 wd5 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,851<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d8 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Inves<span class=\"_ _1\"></span>tment r<span class=\"_ _1\"></span>evalu<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> reserv<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23d8 w54 h18\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(5,682)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d8 wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,877)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d8 w54 h18\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(5,72<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y23d8 wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,936)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d9 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Other reserve<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23d9 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,143<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d9 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,871<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d9 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,40<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y23d9 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,133<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23da w54 h17\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">13,354<span class=\"_ _bc\"> </span></div></td><td class=\"c x42f y23da wd5 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">11,010<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23da w54 h17\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,404<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y23da wd5 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,048<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>The pro<span class=\"_ _0\"></span>perty re<span class=\"_ _0\"></span>valuation r<span class=\"_ _0\"></span>eserve<span class=\"_ _0\"></span> rela<span class=\"_ _0\"></span>tes to the<span class=\"_ _0\"></span> fair val<span class=\"_ _0\"></span>uation of<span class=\"_ _0\"></span> the land and<span class=\"_ _0\"></span> building<span class=\"_ _11\"></span>s component of property, pl<span class=\"_ _0\"></span>ant and<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent, and<span class=\"_ _0\"></span> the bal<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span> repr<span class=\"_ _0\"></span>esents the<span class=\"_ _0\"></span> cumula<span class=\"_ _0\"></span>tive ne<span class=\"_ _0\"></span>t incre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n fair va<span class=\"_ _0\"></span>lue of such<span class=\"_ _1\"></span> prop<span class=\"_ _1\"></span>erty, net<span class=\"_ _1\"></span> of relat<span class=\"_ _1\"></span>ed deferr<span class=\"_ _1\"></span>ed tax<span class=\"_ _1\"></span>. The inv<span class=\"_ _1\"></span>estmen<span class=\"_ _1\"></span>t rev<span class=\"_ _1\"></span>aluat<span class=\"_ _1\"></span>ion res<span class=\"_ _1\"></span>erve<span class=\"ls1 ws1\"> </span>represen<span class=\"_ _1\"></span>ts th<span class=\"_ _1\"></span>e cumul<span class=\"_ _1\"></span>ativ<span class=\"_ _1\"></span>e net ch<span class=\"_ _1\"></span>ange in<span class=\"_ _1\"></span> fair va<span class=\"_ _1\"></span>lues o<span class=\"_ _1\"></span>f fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI held by th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup and by the B<span class=\"_ _0\"></span>ank, ne<span class=\"_ _0\"></span>t of re<span class=\"_ _0\"></span>lated de<span class=\"_ _0\"></span>ferred tax<span class=\"_ _0\"></span> impact<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span>The <span class=\"ls5 ws6\">ot<span class=\"_ _1\"></span>her res<span class=\"_ _1\"></span>erve ma<span class=\"_ _1\"></span>inly rep<span class=\"_ _1\"></span>res<span class=\"_ _1\"></span>ents a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>ts set<span class=\"_ _1\"></span> asid<span class=\"_ _1\"></span>e by the Bank<span class=\"_ _1\"></span> from its<span class=\"_ _1\"></span> retain<span class=\"_ _1\"></span>ed ea<span class=\"_ _1\"></span>rnin<span class=\"_ _1\"></span>gs in<span class=\"_ _1\"></span> relatio<span class=\"_ _1\"></span>n </span>to th<span class=\"_ _1\"></span>e Depos<span class=\"_ _1\"></span>itor Co<span class=\"_ _1\"></span>mpensa<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> Scheme (t<span class=\"_ _1\"></span>he \u2018Sch<span class=\"_ _1\"></span>eme\u2019),<span class=\"_ _1\"></span> refl<span class=\"_ _1\"></span>ecting t<span class=\"_ _1\"></span>he carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f as<span class=\"_ _1\"></span>sets wh<span class=\"_ _1\"></span>ich as at end of t<span class=\"_ _0\"></span>he fina<span class=\"_ _0\"></span>ncial <span class=\"_ _0\"></span>year ar<span class=\"_ _0\"></span>e ple<span class=\"_ _0\"></span>dged in f<span class=\"_ _0\"></span>avour of <span class=\"_ _0\"></span>the<span class=\"_ _0\"></span> Sche<span class=\"_ _0\"></span>me to com<span class=\"_ _0\"></span>ply wi<span class=\"_ _0\"></span>th local r<span class=\"_ _0\"></span>egula<span class=\"_ _0\"></span>tory requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span><span class=\"ls1 ws1\"><span class=\"_ _10\"> </span></span><span class=\"ws41\">The othe<span class=\"_ _1\"></span>r rese<span class=\"_ _1\"></span>rve al<span class=\"_ _1\"></span>so refl<span class=\"_ _1\"></span>ects t<span class=\"_ _1\"></span>he imp<span class=\"_ _1\"></span>act <span class=\"_ _1\"></span>of actu<span class=\"_ _1\"></span>arial g<span class=\"_ _1\"></span>ains<span class=\"_ _1\"></span> and lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> with res<span class=\"_ _1\"></span>pect t<span class=\"_ _1\"></span>o </span>pension<span class=\"_ _1\"></span> obligation<span class=\"_ _1\"></span>s of MaltaPos<span class=\"_ _1\"></span>t p.l.c. recogn<span class=\"_ _1\"></span>ised in oth<span class=\"_ _1\"></span>er compr<span class=\"_ _1\"></span>ehensive inco<span class=\"_ _1\"></span>me in acco<span class=\"_ _1\"></span>rdance with<span class=\"_ _1\"></span> the Group\u2019s acc<span class=\"_ _0\"></span>ounting pol<span class=\"_ _0\"></span>icy, ne<span class=\"_ _0\"></span>t of<span class=\"_ _0\"></span> any relat<span class=\"_ _0\"></span>ed def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> impact<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span>The move<span class=\"_ _0\"></span>ments in these<span class=\"_ _0\"></span> reserve<span class=\"_ _0\"></span>s are also a<span class=\"_ _0\"></span>nalysed in the<span class=\"_ _0\"></span> State<span class=\"_ _0\"></span>ments of C<span class=\"_ _0\"></span>hanges in Equity and i<span class=\"_ _0\"></span>n note 34.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-30": {
   "value": "<table class=\"s w263 h212\" id=\"_6a37e9de-ead2-4d67-98b6-cbe46fe6c714\"><tr><td class=\"t m0 x297 h5 y23db ff3 fs0 fc0 sc0 ls3 ws114\">18.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls71 ws116\">Share cap<span class=\"_ _1\"></span>ital</span></span><span class=\"ls1 ws1\"><span class=\"ls71 ws116\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y23dc wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y23dd wc8 h17\"><div class=\"t m0 xf4 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td></td><td class=\"c x494 y23dd wc8 h17\"><div class=\"t m0 xf4 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">4</span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y23de w54 h31\"><div class=\"t m0 xdf h9 y3a3 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _b1\"> </span><span class=\"ls8 wsa\">No. of</span> </div></td><td></td><td class=\"c x494 y23de w54 h31\"><div class=\"t m0 xdf h3 y3a3 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls7\">No. of</span> </div></td><td></td></tr><tr><td></td><td class=\"c x493 y23de w54 h31\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Shares<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y23de w54 h31\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">sha<span class=\"_ _1\"></span>res<span class=\"ffb ls1 ws1\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x493 y23df w54 h1d\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _58\"> </span><span class=\"ls6 ws8\">000s</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y23df wd5 h1d\"><div class=\"t m0 xdf h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _2e\"> </span><span class=\"ls6 ws7\">\u20ac 000</span><span class=\"ffa\"> </span></div></td><td class=\"c x494 y23df w54 h1d\"><div class=\"t m0 xdf h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _58\"> </span><span class=\"ls6 ws8\">000s<span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></div></td><td class=\"c x496 y23df wd5 h1d\"><div class=\"t m0 x11 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> <span class=\"_ _b1\"> </span><span class=\"ls6 ws7\">\u20ac 000<span class=\"_ _1\"></span></span> </div></td></tr><tr><td class=\"c x40a y23e0 wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Authori<span class=\"_ _0\"></span>sed<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x497 y23e3 w264 h213\"><div class=\"t m0 x26e h3 y23e1 ff1 fs1 fc0 sc0 lsa ws44\">Ordinary shares o<span class=\"_ _1\"></span>f <span class=\"ls6 ws8\">\u20ac0.125<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">each<span class=\"_ _bc\"> </span></span></span></span></div><div class=\"t m0 x26e h9 y23e2 ff3 fs1 fc0 sc0 ls6 ws8\">Issued<span class=\"_ _bc\"> </span></div></td><td class=\"c x498 y23e4 w265 h1fb\"><div class=\"t m0 x26e h15 y2387 ff3 fs1 fc0 sc0 ls6 ws8\">300,000<span class=\"_ _bc\"> </span></div></td><td class=\"c x499 y23e4 w266 h1fb\"><div class=\"t m0 x26e h15 y2387 ff3 fs1 fc0 sc0 ls6 ws8\">37,500<span class=\"_ _bc\"> </span></div></td><td class=\"c x49a y23e5 w267 h1fb\"><div class=\"t m0 x26e h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">300,000<span class=\"_ _bc\"> </span></div></td><td class=\"c x49b y23e5 w268 h1fb\"><div class=\"t m0 x26e h3 y2270 ff1 fs1 fc0 sc0 ls6 ws8\">37,500<span class=\"_ _bc\"> </span></div></td></tr><tr><td class=\"c x40a y23e6 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Ordinary shares o<span class=\"_ _1\"></span>f <span class=\"ls6 ws8\">\u20ac0.125<span class=\"ls1 ws1\"> <span class=\"ls5 ws7\">each</span></span></span><span class=\"ls6 ws8\"><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x493 y23e6 w54 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">154,572<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y23e6 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">19,322<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x494 y23e6 w54 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">154,572<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y23e6 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,322<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-31": {
   "value": "19.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws0\">Reserves</span><span class=\"fs2\"> </span></span>These res<span class=\"_ _1\"></span>erv<span class=\"_ _1\"></span>es are n<span class=\"_ _1\"></span>on<span class=\"ls1 ws1\">-<span class=\"ls8 ws16\">distributable<span class=\"_ _0\"></span>.<span class=\"ff5 ls1 ws1\"> </span></span></span>19.1<span class=\"ls1 ws1\"> <span class=\"_ _b1\"> </span><span class=\"ls5 ws6\">Sha<span class=\"_ _1\"></span>re premiu<span class=\"_ _1\"></span>m</span> </span>The share<span class=\"_ _0\"></span> premium<span class=\"_ _0\"></span> comprises pre<span class=\"_ _0\"></span>mium<span class=\"_ _0\"></span> attributabl<span class=\"_ _0\"></span>e to the<span class=\"_ _0\"></span> scrip issue<span class=\"_ _0\"></span> of ordina<span class=\"_ _0\"></span>ry share<span class=\"_ _0\"></span>s. Util<span class=\"_ _0\"></span>isation of the share<span class=\"_ _0\"></span> premi<span class=\"_ _0\"></span>um acc<span class=\"_ _0\"></span>ount is gover<span class=\"_ _0\"></span>ned by t<span class=\"_ _0\"></span>he requi<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ents of Arti<span class=\"_ _0\"></span>cle 1<span class=\"_ _0\"></span>14 wi<span class=\"_ _0\"></span>thin the Com<span class=\"_ _0\"></span>panies A<span class=\"_ _0\"></span>ct, Chap<span class=\"_ _1\"></span>ter 386 of t<span class=\"_ _1\"></span>he La<span class=\"_ _1\"></span>ws of Ma<span class=\"_ _1\"></span>lta.<span class=\"ls1 ws1\"> </span>19.2<span class=\"ls1 ws1\"> <span class=\"_ _2a\"> </span><span class=\"ls5 ws6\">Reval<span class=\"_ _1\"></span>uatio<span class=\"_ _1\"></span>n and<span class=\"_ _1\"></span> other<span class=\"_ _1\"></span> reserves</span> </span>The G<span class=\"_ _0\"></span>roup and the B<span class=\"_ _0\"></span>ank had t<span class=\"_ _0\"></span>he fol<span class=\"_ _0\"></span>lowing<span class=\"_ _0\"></span> reserves as at<span class=\"_ _0\"></span> end of the<span class=\"_ _0\"></span> repor<span class=\"_ _0\"></span>ting pe<span class=\"_ _0\"></span>riod:<span class=\"ls1 ws1\"> </span><table class=\"s w262 h211\" id=\"_bfb0f4d1-8609-441e-a738-3dac2e103a60\"><tr><td></td><td></td><td class=\"c x48e y23d4 wc8 h1d\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y23d4 wc8 h1d\"><div class=\"t m0 x10d h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23d5 w54 h18\"><div class=\"t m0 x26 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d5 wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d5 w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y23d5 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23d6 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d6 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d6 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y23d6 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d7 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Property revaluation reserve<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23d7 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">16,893<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d7 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">17,016<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d7 w54 h18\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">12,728<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y23d7 wd5 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,851<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d8 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Inves<span class=\"_ _1\"></span>tment r<span class=\"_ _1\"></span>evalu<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> reserv<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23d8 w54 h18\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(5,682)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d8 wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,877)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d8 w54 h18\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(5,72<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\">)<span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y23d8 wd5 h18\"><div class=\"t m0 x113 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(7,936)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y23d9 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Other reserve<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y23d9 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,143<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y23d9 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,871<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23d9 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,40<span class=\"ls1 ws1\">2</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y23d9 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,133<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y23da w54 h17\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">13,354<span class=\"_ _bc\"> </span></div></td><td class=\"c x42f y23da wd5 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">11,010<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y23da w54 h17\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,404<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y23da wd5 h17\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,048<span class=\"ls1 ws1\"> </span></div></td></tr></table>The pro<span class=\"_ _0\"></span>perty re<span class=\"_ _0\"></span>valuation r<span class=\"_ _0\"></span>eserve<span class=\"_ _0\"></span> rela<span class=\"_ _0\"></span>tes to the<span class=\"_ _0\"></span> fair val<span class=\"_ _0\"></span>uation of<span class=\"_ _0\"></span> the land and<span class=\"_ _0\"></span> building<span class=\"_ _11\"></span>s component of property, pl<span class=\"_ _0\"></span>ant and<span class=\"_ _0\"></span> equipm<span class=\"_ _0\"></span>ent, and<span class=\"_ _0\"></span> the bal<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span> repr<span class=\"_ _0\"></span>esents the<span class=\"_ _0\"></span> cumula<span class=\"_ _0\"></span>tive ne<span class=\"_ _0\"></span>t incre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n fair va<span class=\"_ _0\"></span>lue of such<span class=\"_ _1\"></span> prop<span class=\"_ _1\"></span>erty, net<span class=\"_ _1\"></span> of relat<span class=\"_ _1\"></span>ed deferr<span class=\"_ _1\"></span>ed tax<span class=\"_ _1\"></span>. The inv<span class=\"_ _1\"></span>estmen<span class=\"_ _1\"></span>t rev<span class=\"_ _1\"></span>aluat<span class=\"_ _1\"></span>ion res<span class=\"_ _1\"></span>erve<span class=\"ls1 ws1\"> </span>represen<span class=\"_ _1\"></span>ts th<span class=\"_ _1\"></span>e cumul<span class=\"_ _1\"></span>ativ<span class=\"_ _1\"></span>e net ch<span class=\"_ _1\"></span>ange in<span class=\"_ _1\"></span> fair va<span class=\"_ _1\"></span>lues o<span class=\"_ _1\"></span>f fina<span class=\"_ _1\"></span>ncial a<span class=\"_ _1\"></span>sset<span class=\"_ _1\"></span>s measure<span class=\"_ _0\"></span>d at FVO<span class=\"_ _0\"></span>CI held by th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup and by the B<span class=\"_ _0\"></span>ank, ne<span class=\"_ _0\"></span>t of re<span class=\"_ _0\"></span>lated de<span class=\"_ _0\"></span>ferred tax<span class=\"_ _0\"></span> impact<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span>The <span class=\"ls5 ws6\">ot<span class=\"_ _1\"></span>her res<span class=\"_ _1\"></span>erve ma<span class=\"_ _1\"></span>inly rep<span class=\"_ _1\"></span>res<span class=\"_ _1\"></span>ents a<span class=\"_ _1\"></span>moun<span class=\"_ _1\"></span>ts set<span class=\"_ _1\"></span> asid<span class=\"_ _1\"></span>e by the Bank<span class=\"_ _1\"></span> from its<span class=\"_ _1\"></span> retain<span class=\"_ _1\"></span>ed ea<span class=\"_ _1\"></span>rnin<span class=\"_ _1\"></span>gs in<span class=\"_ _1\"></span> relatio<span class=\"_ _1\"></span>n </span>to th<span class=\"_ _1\"></span>e Depos<span class=\"_ _1\"></span>itor Co<span class=\"_ _1\"></span>mpensa<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> Scheme (t<span class=\"_ _1\"></span>he \u2018Sch<span class=\"_ _1\"></span>eme\u2019),<span class=\"_ _1\"></span> refl<span class=\"_ _1\"></span>ecting t<span class=\"_ _1\"></span>he carry<span class=\"_ _1\"></span>ing amo<span class=\"_ _1\"></span>unt o<span class=\"_ _1\"></span>f as<span class=\"_ _1\"></span>sets wh<span class=\"_ _1\"></span>ich as at end of t<span class=\"_ _0\"></span>he fina<span class=\"_ _0\"></span>ncial <span class=\"_ _0\"></span>year ar<span class=\"_ _0\"></span>e ple<span class=\"_ _0\"></span>dged in f<span class=\"_ _0\"></span>avour of <span class=\"_ _0\"></span>the<span class=\"_ _0\"></span> Sche<span class=\"_ _0\"></span>me to com<span class=\"_ _0\"></span>ply wi<span class=\"_ _0\"></span>th local r<span class=\"_ _0\"></span>egula<span class=\"_ _0\"></span>tory requi<span class=\"_ _1\"></span>rement<span class=\"_ _1\"></span>s.<span class=\"ls1 ws1\"> </span><span class=\"ls1 ws1\"><span class=\"_ _10\"> </span></span><span class=\"ws41\">The othe<span class=\"_ _1\"></span>r rese<span class=\"_ _1\"></span>rve al<span class=\"_ _1\"></span>so refl<span class=\"_ _1\"></span>ects t<span class=\"_ _1\"></span>he imp<span class=\"_ _1\"></span>act <span class=\"_ _1\"></span>of actu<span class=\"_ _1\"></span>arial g<span class=\"_ _1\"></span>ains<span class=\"_ _1\"></span> and lo<span class=\"_ _1\"></span>sses<span class=\"_ _1\"></span> with res<span class=\"_ _1\"></span>pect t<span class=\"_ _1\"></span>o </span>pension<span class=\"_ _1\"></span> obligation<span class=\"_ _1\"></span>s of MaltaPos<span class=\"_ _1\"></span>t p.l.c. recogn<span class=\"_ _1\"></span>ised in oth<span class=\"_ _1\"></span>er compr<span class=\"_ _1\"></span>ehensive inco<span class=\"_ _1\"></span>me in acco<span class=\"_ _1\"></span>rdance with<span class=\"_ _1\"></span> the Group\u2019s acc<span class=\"_ _0\"></span>ounting pol<span class=\"_ _0\"></span>icy, ne<span class=\"_ _0\"></span>t of<span class=\"_ _0\"></span> any relat<span class=\"_ _0\"></span>ed def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> impact<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span>The move<span class=\"_ _0\"></span>ments in these<span class=\"_ _0\"></span> reserve<span class=\"_ _0\"></span>s are also a<span class=\"_ _0\"></span>nalysed in the<span class=\"_ _0\"></span> State<span class=\"_ _0\"></span>ments of C<span class=\"_ _0\"></span>hanges in Equity and i<span class=\"_ _0\"></span>n note 34.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-32": {
   "value": "<table class=\"s w26c h216\" id=\"_f7954164-0b70-4cf5-8595-94bc35457f26\"><tr><td class=\"t m0 x297 h5 y23f7 ff3 fs0 fc0 sc0 ls3 ws114\">20.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Amounts<span class=\"_ _0\"></span> owed to<span class=\"_ _0\"></span> banks</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4b4 y23f8 wc8 h18\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x4b5 y23f8 wc8 h18\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y23f9 wbc h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y23f9 wa5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23f9 wbc h17\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23f9 wa5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y23fa wbc h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4b6 y23fa wa5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23fa wbc h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23fa wa5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x497 y23fb w26d h217\"><div class=\"t m0 x26e h3 y226f ff1 fs1 fc0 sc0 ls5 ws6\">Term dep<span class=\"_ _1\"></span>osit<span class=\"_ _1\"></span>s with<span class=\"_ _1\"></span> agreed m<span class=\"_ _1\"></span>atur<span class=\"_ _1\"></span>ity da<span class=\"_ _1\"></span>tes or<span class=\"_ _bc\"> </span></div><div class=\"t m0 x4b8 h3 y2270 ff1 fs1 fc0 sc0 ls6 ws7\">periods o<span class=\"_ _1\"></span>f notice<span class=\"_ _bc\"> </span></div></td><td class=\"c x4b4 y23fc wbc h156\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y23fc wa5 h156\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23fc wbc h156\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23fc wa5 h156\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">23<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y23fd w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repayable<span class=\"_ _0\"></span> on dem<span class=\"_ _0\"></span>and<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y23fd wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">322<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y23fd wa5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">415<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23fd wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">322<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23fd wa5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">415<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y23fe wbc h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">345<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y23fe wa5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">438<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y23fe wbc h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">345<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y23fe wa5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">438<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-33": {
   "value": "<table class=\"s w26e h218\" id=\"_2507bdfe-433b-4404-a173-16c99adc0c43\"><tr><td class=\"t m0 x297 h4 y23ff ff3 fs0 fc0 sc0 ls3 ws114\">21.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Amounts<span class=\"_ _0\"></span> owed to<span class=\"_ _0\"></span> cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs</span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4b4 y2400 wc8 h17\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x4b5 y2400 wc8 h17\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2401 wbc h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2401 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2401 wbc h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2401 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2402 wbc h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2402 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2402 wbc h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2402 wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2403 w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Term dep<span class=\"_ _1\"></span>osit<span class=\"_ _1\"></span>s with<span class=\"_ _1\"></span> agreed m<span class=\"_ _1\"></span>atur<span class=\"_ _1\"></span>ity da<span class=\"_ _1\"></span>tes<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y2403 wbc h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">550,973<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2403 wa5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">484,266<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2403 wbc h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">551,373<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2403 wa5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">484,666<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2404 w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repayable<span class=\"_ _0\"></span> on dem<span class=\"_ _0\"></span>and<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y2404 wbc h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">656,283<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2404 wa5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">635,740<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2404 wbc h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">658,921<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2404 wa5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">637,150<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2405 wbc h1d\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,207,256<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2405 wa5 h1d\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,120,006<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2405 wbc h1d\"><div class=\"t m0 xe9 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,210,294<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2405 wa5 h1d\"><div class=\"t m0 xe9 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,121,816<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-488": {
   "value": "<div class=\"gsb6\"><table class=\"s w26c h219\" id=\"_2caad62e-84bc-46f2-844f-ca8480fba35d\"><tr><td class=\"t m0 x297 h4 y2406 ff3 fs0 fc0 sc0 ls3 ws114\">22.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls8b\">Prov<span class=\"_ _0\"></span>isions <span class=\"_ _0\"></span>for lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s a<span class=\"_ _0\"></span>nd othe<span class=\"_ _0\"></span>r cha<span class=\"_ _0\"></span>rges</span></span><span class=\"ls1 ws1\"><span class=\"ls8b\"> <span class=\"fs2 ls1\"> </span></span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4b4 y2407 wc8 h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x4b5 y2407 wc8 h1d\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2408 wbc h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2408 wa5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2408 wbc h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2408 wa5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2409 wbc h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2409 wa5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2409 wbc h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2409 wa5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y240a w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Obliga<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> to Gover<span class=\"_ _1\"></span>nment<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y240a wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">939<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y240a wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,060<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y240a wbc h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4b7 y240a wa5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x40a y240b w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Contractual and regulator<span class=\"_ _0\"></span>y <span class=\"ls6 ws8\">claims</span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x4b4 y240b wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,991<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y240b wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,490<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y240b wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,991<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y240b wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,490<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y240c w195 h2f\"><div class=\"t m0 xd h3 y3bc ff1 fs1 fc0 sc0 lsa ws24\">Other <span class=\"ls5 ws6\">expect<span class=\"_ _1\"></span>ed cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses<span class=\"ls1 ws1\"> <span class=\"ls7\">on<span class=\"_ _1\"></span> off</span>-<span class=\"ls6 ws8\">balance</span></span></span><span class=\"ls5 ws6\"><span class=\"ls1 ws1\"><span class=\"ls6 ws8\"> </span></span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y240c w195 h2f\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">sheet<span class=\"_ _1\"></span> items<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y240c wbc h2f\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y240c wa5 h2f\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y240c wbc h2f\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y240c wa5 h2f\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y240d wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,962<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y240d wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,633<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y240d wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,023<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y240d wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,573<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs882\">These<span class=\"_ _0\"></span> provisions are<span class=\"_ _0\"></span> predom<span class=\"_ _0\"></span>inantly non<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 wsa\">current<span class=\"_ _0\"></span> in natur<span class=\"_ _0\"></span>e.</span></span><span class=\"ls1 ws1\"><span class=\"ls8 wsa\"><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"gsb6\"><table class=\"s w269 h214\" id=\"_08b719f1-4974-4aa9-8059-3d9bc804ad82\"><tr><td class=\"c x49d y23e7 w9 h94\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x49e y23e7 w196 h94\"><div class=\"t m0 x31 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td></td><td></td><td></td><td class=\"c x49f y23e7 w197 h94\"><div class=\"t m0 x1d2 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4a0 y23e8 w198 h171\"><div class=\"t m0 x6d h29 y1997 ff3 fs8 fc0 sc0 ls1 ws1\">Contractual </div></td><td></td><td></td><td></td><td class=\"c x4a1 y23e8 w19a h171\"><div class=\"t m0 x6e h25 y1997 ff1 fs8 fc0 sc0 ls2a ws10d\">Contractual<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x4a2 h29 y23e9 ff3 fs8 fc0 sc0 ls28 ws99\">and </td><td class=\"c x4a3 y23e8 wa6 h171\"><div class=\"t m0 x107 h29 yfda ff3 fs8 fc0 sc0 ls28 ws99\">Expected </div></td><td></td><td></td><td class=\"t m0 x4a4 h25 y23e9 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4a5 h25 y23e9 ff1 fs8 fc0 sc0 ls29 ws9a\">Expec<span class=\"_ _1\"></span>ted </td><td></td></tr><tr><td></td><td class=\"t m0 x4a6 h29 y23ea ff3 fs8 fc0 sc0 ls27 ws97\">Obliga<span class=\"_ _1\"></span>tion to<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4a7 h29 y23eb ff3 fs8 fc0 sc0 ls1 ws1\">regulatory </td><td class=\"t m0 x4a8 h29 y23ea ff3 fs8 fc0 sc0 ls3 ws109\">Credit Lo<span class=\"_ _0\"></span>ss<span class=\"_ _bc\"> </span></td><td></td><td class=\"t m0 x4a9 h25 y23ea ff1 fs8 fc0 sc0 ls28 ws0\">Obligation to<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4aa h25 y23eb ff1 fs8 fc0 sc0 ls2a ws10d\">regulatory </td><td class=\"t m0 x4ab h25 y23eb ff1 fs8 fc0 sc0 ls4 ws9a\">Credit Lo<span class=\"_ _1\"></span>ss <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x49e y23e8 w53 h171\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls6f ws109\">Government <span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x4ac h35 y23ec ff3 fs8 fc0 sc0 ls27 ws98\">claims<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></td><td class=\"t m0 x4ad h35 y23ec ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce <span class=\"ffa ls1 ws1\"> </span></td><td class=\"c x4ae y23e8 w199 h171\"><div class=\"t m0 x88 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23e8 wbc h171\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Government<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x4b0 h25 y23ec ff1 fs8 fc0 sc0 ls28 ws99\">claims<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x4b1 y23e8 wa7 h171\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b2 y23e8 wb3 h171\"><div class=\"t m0 x7e h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x49e y23ed w53 h17\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4a0 y23ed w198 h17\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4a3 y23ed wa6 h17\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4ae y23ed w199 h17\"><div class=\"t m0 x84 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4af y23ed wbc h17\"><div class=\"t m0 xd7 h35 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x4a1 y23ed w19a h17\"><div class=\"t m0 xd4 h35 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x4b1 y23ed wa7 h17\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x4b2 y23ed wb3 h17\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x49d y23ee w9 h96\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">At 1 Januar<span class=\"_ _1\"></span>y<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x49e y23ee w53 h96\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,060<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23ee w198 h96\"><div class=\"t m0 xcb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,490<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23ee wa6 h96\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">83<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23ee w199 h96\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,633<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23ee wbc h96\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,034<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23ee w19a h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">340<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23ee wa7 h96\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">29<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23ee wb3 h96\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,403 </div></td></tr><tr><td class=\"c x49d y23ef w9 he5\"><div class=\"t m0 xd h25 yfda ff1 fs8 fc0 sc0 ls29 ws98\">Actuaria<span class=\"_ _1\"></span>l (gai<span class=\"_ _1\"></span>ns)<span class=\"ls1 ws1\">/<span class=\"ls4 ws0\">losses</span> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x28a y23f0 w26a h215\"><div class=\"t m0 x4b3 h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">recognise<span class=\"_ _1\"></span>d in other<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws0\">comprehen<span class=\"_ _1\"></span>sive<span class=\"ls1 ws1\"> <span class=\"ls29 ws9a\">inc<span class=\"_ _1\"></span>ome<span class=\"_ _bc\"> </span></span></span></div></td><td class=\"c x49e y23ef w53 he5\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(9)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4a0 y23ef w198 he5\"><div class=\"t m0 x125 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23ef wa6 he5\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23ef w199 he5\"><div class=\"t m0 xf3 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(9)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4af y23ef wbc he5\"><div class=\"t m0 x125 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">84<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23ef w19a he5\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23ef wa7 he5\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23ef wb3 he5\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">84 </div></td></tr><tr><td class=\"c x49d y23f1 w9 h96\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\"></span><span class=\"ls29 ws9a\">Charge</span>s <span class=\"ls4 ws0\">rec<span class=\"_ _1\"></span>ognised</span><span class=\"ls4 ws0\"> <span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x49d y23f2 w9 h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls28 ws0\">in profit or lo<span class=\"_ _1\"></span>ss</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x49e y23f2 w53 h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">26<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23f2 w198 h97\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">501<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23f2 wa6 h97\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23f2 w199 h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">527<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23f2 wbc h97\"><div class=\"t m0 x125 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">31<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23f2 w19a h97\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,150<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23f2 wa7 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23f2 wb3 h97\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,181 </div></td></tr><tr><td class=\"c x49d y23f3 w9 h96\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Crystallised o<span class=\"_ _1\"></span>bligations<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x49e y23f3 w53 h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(138)<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23f3 w198 h96\"><div class=\"t m0 x125 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23f3 wa6 h96\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23f3 w199 h96\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(138)<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23f3 wbc h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(89)<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23f3 w19a h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23f3 wa7 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23f3 wb3 h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(89) </div></td></tr><tr><td class=\"c x270 y23f4 w26b h1e8\"><div class=\"t m0 x26e h25 y221e ff1 fs8 fc0 sc0 ls29 ws98\">Change in E<span class=\"_ _1\"></span>CL pro<span class=\"_ _1\"></span>vision o<span class=\"_ _1\"></span>n<span class=\"_ _bc\"> </span></div><div class=\"t m0 x276 h25 y1d62 ff1 fs8 fc0 sc0 ls79 ws113\">off<span class=\"ls1 ws1\">-<span class=\"ls4 ws9a\">balance she<span class=\"_ _1\"></span>et items<span class=\"_ _bc\"> </span></span></span></div></td><td class=\"c x49e y23f5 w53 h9e\"><div class=\"t m0 xf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23f5 w198 h9e\"><div class=\"t m0 x125 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23f5 wa6 h9e\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">              <span class=\"ws1\">(51)<span class=\"ffa\"> </span></span></div></td><td class=\"c x4ae y23f5 w199 h9e\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(51)<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23f5 wbc h9e\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23f5 w19a h9e\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23f5 wa7 h9e\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">54<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23f5 wb3 h9e\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">54 </div></td></tr><tr><td class=\"c x49d y23f6 w9 h172\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">At 31 Decemb<span class=\"_ _1\"></span>er<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x49e y23f6 w53 h172\"><div class=\"t m0 x69 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">939<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23f6 w198 h172\"><div class=\"t m0 xcb h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">1,991<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23f6 wa6 h172\"><div class=\"t m0 x49 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">32<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23f6 w199 h172\"><div class=\"t m0 x84 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">2,962<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23f6 wbc h172\"><div class=\"t m0 xd7 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">1,060<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23f6 w19a h172\"><div class=\"t m0 xd4 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">1,490<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23f6 wa7 h172\"><div class=\"t m0 xd6 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">83<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23f6 wb3 h172\"><div class=\"t m0 xe9 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">2,633 </div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws3b gs885\">The obl<span class=\"_ _1\"></span>igatio<span class=\"_ _1\"></span>n to Go<span class=\"_ _1\"></span>vernmen<span class=\"_ _1\"></span>t aris<span class=\"_ _1\"></span>es in terms<span class=\"_ _1\"></span> of Article 8A o<span class=\"_ _1\"></span>f the Pen<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s Ordin<span class=\"_ _1\"></span>ance (Chap<span class=\"_ _1\"></span>ter 93 of t<span class=\"_ _1\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs886\">Laws o<span class=\"_ _1\"></span>f Malta<span class=\"_ _1\"></span>), cover<span class=\"_ _1\"></span>ing for<span class=\"_ _1\"></span>mer Go<span class=\"_ _1\"></span>vernm<span class=\"_ _1\"></span>ent emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es who o<span class=\"_ _1\"></span>pted t<span class=\"_ _1\"></span>o become <span class=\"_ _1\"></span>full<span class=\"ls1 ws1\">-</span>t<span class=\"_ _1\"></span>ime emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es of<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs887\">MaltaPost p.<span class=\"_ _0\"></span>l.c., a<span class=\"_ _0\"></span>nd who conti<span class=\"_ _0\"></span>nued to be e<span class=\"_ _0\"></span>ntitle<span class=\"_ _0\"></span>d to pension bene<span class=\"_ _0\"></span>fits w<span class=\"_ _0\"></span>hich go be<span class=\"_ _0\"></span>yond the National<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs888\">Insurance S<span class=\"_ _0\"></span>chem<span class=\"_ _0\"></span>e. The pe<span class=\"_ _0\"></span>nsion benef<span class=\"_ _0\"></span>its schem<span class=\"_ _0\"></span>e is a f<span class=\"_ _0\"></span>inal salar<span class=\"_ _0\"></span>y defi<span class=\"_ _0\"></span>ned bene<span class=\"_ _0\"></span>fit pla<span class=\"_ _0\"></span>n and is unfunded.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs889\">Obligation<span class=\"_ _1\"></span> to Government re<span class=\"_ _1\"></span>cognis<span class=\"_ _1\"></span>ed in the st<span class=\"_ _1\"></span>atement of finan<span class=\"_ _1\"></span>cial posit<span class=\"_ _1\"></span>ion is derived as<span class=\"_ _1\"></span> follows:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w26f h21a\" id=\"_65007eae-4f3e-42a5-b8dc-4e1646710cc5\"><tr><td></td><td class=\"c x48f y240e w54 h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y240e wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y240f w54 h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y240f wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2410 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Present<span class=\"_ _0\"></span> value of<span class=\"_ _0\"></span> unfunded obl<span class=\"_ _0\"></span>igatio<span class=\"_ _0\"></span>ns<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2410 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,948<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2410 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,931<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2411 w19f h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Crystallis<span class=\"_ _1\"></span>ed obligatio<span class=\"_ _1\"></span>ns<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2411 w54 h1d\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,009)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2411 wd5 h1d\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(871)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y2412 w54 h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">939<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2412 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,060<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs88c\">The amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> recognis<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> other co<span class=\"_ _1\"></span>mprehen<span class=\"_ _1\"></span>sive i<span class=\"_ _1\"></span>nco<span class=\"_ _1\"></span>me are a<span class=\"_ _1\"></span>s follo<span class=\"_ _1\"></span>ws:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w270 h21b\" id=\"_28bd3a18-c23a-415a-a2c7-b488a6ff3135\"><tr><td></td><td class=\"c x48f y2413 w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2413 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y2414 w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2414 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2415 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Net actuari<span class=\"_ _1\"></span>al (losses)/ga<span class=\"_ _1\"></span>ins<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y2416 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ws1\">- <span class=\"ls8 wsa\">attributabl<span class=\"_ _0\"></span>e to f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assumpti<span class=\"_ _0\"></span>ons</span><span class=\"ls8 wsa\"><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x48f y2416 w54 h18\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x490 y2416 wd5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(84)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y2417 w54 h174\"><div class=\"t m0 x6b h15 y857 ff3 fs1 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x490 y2417 wd5 h174\"><div class=\"t m0 x49 h3 y857 ff1 fs1 fc0 sc0 ls6 ws8\">(84)<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs88f\">Crystall<span class=\"_ _0\"></span>ised oblig<span class=\"_ _0\"></span>ations re<span class=\"_ _0\"></span>late t<span class=\"_ _0\"></span>o amounts whi<span class=\"_ _0\"></span>ch bec<span class=\"_ _0\"></span>ame payabl<span class=\"_ _0\"></span>e as at the<span class=\"_ _0\"></span> end of t<span class=\"_ _0\"></span>he rep<span class=\"_ _0\"></span>orti<span class=\"_ _0\"></span>ng perio<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs890\">In computi<span class=\"_ _0\"></span>ng the<span class=\"_ _0\"></span> provisio<span class=\"_ _0\"></span>n, t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up used a<span class=\"_ _0\"></span> we<span class=\"_ _0\"></span>ighte<span class=\"_ _0\"></span>d average<span class=\"_ _0\"></span> discount r<span class=\"_ _0\"></span>ate of <span class=\"ls6 ws8\">3.91<span class=\"ws49\">%<span class=\"_ _0\"></span> (202<span class=\"ls1 ws1\">4<span class=\"lsd ws44\">: <span class=\"_ _14\"></span></span></span><span class=\"ws8\">3.52<span class=\"lsd ws44\">%). </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws5c gs891\">Assumptions re<span class=\"_ _0\"></span>gardi<span class=\"_ _0\"></span>ng future<span class=\"_ _0\"></span> morta<span class=\"_ _0\"></span>lity ex<span class=\"_ _0\"></span>perience ar<span class=\"_ _0\"></span>e based on publis<span class=\"_ _0\"></span>hed mor<span class=\"_ _0\"></span>tality ta<span class=\"_ _0\"></span>bles in Mal<span class=\"_ _0\"></span>ta, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws42 gs892\">which trans<span class=\"_ _1\"></span>late into an average life exp<span class=\"_ _1\"></span>ectancy of <span class=\"ws8\">83<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span>(202<span class=\"ls1 ws1\">4<span class=\"ls8 ws56\">: 83) de<span class=\"_ _0\"></span>pending on a<span class=\"_ _0\"></span>ge and<span class=\"_ _0\"></span> gende<span class=\"_ _0\"></span>r of the<span class=\"_ _0\"></span> </span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws28 gs893\">benefici<span class=\"_ _1\"></span>aries<span class=\"_ _1\"></span>. Thes<span class=\"_ _1\"></span>e facto<span class=\"_ _1\"></span>rs ar<span class=\"_ _1\"></span>e deemed t<span class=\"_ _1\"></span>o be th<span class=\"_ _1\"></span>e main a<span class=\"_ _1\"></span>ssu<span class=\"_ _1\"></span>mption<span class=\"_ _1\"></span>s used<span class=\"_ _1\"></span> in the comp<span class=\"_ _1\"></span>utat<span class=\"_ _1\"></span>ion of t<span class=\"_ _1\"></span>he </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws34 gs894\">liability.<span class=\"_ _1\"></span> The sensitivit<span class=\"_ _1\"></span>y of the obligation<span class=\"_ _1\"></span> to changes in th<span class=\"_ _1\"></span>ese assumptio<span class=\"_ _1\"></span>ns is considered immaterial<span class=\"_ _1\"></span> for </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs86e\">disclos<span class=\"_ _1\"></span>u<span class=\"ls8 wsa\">re purpose<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-34": {
   "value": "<table class=\"s w26c h219\" id=\"_2caad62e-84bc-46f2-844f-ca8480fba35d\"><tr><td class=\"t m0 x297 h4 y2406 ff3 fs0 fc0 sc0 ls3 ws114\">22.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls8b\">Prov<span class=\"_ _0\"></span>isions <span class=\"_ _0\"></span>for lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s a<span class=\"_ _0\"></span>nd othe<span class=\"_ _0\"></span>r cha<span class=\"_ _0\"></span>rges</span></span><span class=\"ls1 ws1\"><span class=\"ls8b\"> <span class=\"fs2 ls1\"> </span></span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4b4 y2407 wc8 h1d\"><div class=\"t m0 xce h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x4b5 y2407 wc8 h1d\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2408 wbc h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2408 wa5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2408 wbc h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2408 wa5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y2409 wbc h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b6 y2409 wa5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y2409 wbc h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b7 y2409 wa5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y240a w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Obliga<span class=\"_ _1\"></span>tion<span class=\"_ _1\"></span> to Gover<span class=\"_ _1\"></span>nment<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y240a wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">939<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y240a wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,060<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y240a wbc h18\"><div class=\"t m0 x11e h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4b7 y240a wa5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x40a y240b w195 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Contractual and regulator<span class=\"_ _0\"></span>y <span class=\"ls6 ws8\">claims</span><span class=\"ffb ls1\"> </span></div></td><td class=\"c x4b4 y240b wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,991<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y240b wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,490<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y240b wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,991<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y240b wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,490<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y240c w195 h2f\"><div class=\"t m0 xd h3 y3bc ff1 fs1 fc0 sc0 lsa ws24\">Other <span class=\"ls5 ws6\">expect<span class=\"_ _1\"></span>ed cred<span class=\"_ _1\"></span>it los<span class=\"_ _1\"></span>ses<span class=\"ls1 ws1\"> <span class=\"ls7\">on<span class=\"_ _1\"></span> off</span>-<span class=\"ls6 ws8\">balance</span></span></span><span class=\"ls5 ws6\"><span class=\"ls1 ws1\"><span class=\"ls6 ws8\"> </span></span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y240c w195 h2f\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">sheet<span class=\"_ _1\"></span> items<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b4 y240c wbc h2f\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y240c wa5 h2f\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y240c wbc h2f\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y240c wa5 h2f\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">83<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b4 y240d wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,962<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b6 y240d wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,633<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b5 y240d wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,023<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4b7 y240d wa5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,573<span class=\"ls1 ws1\"> </span></div></td></tr></table>These<span class=\"_ _0\"></span> provisions are<span class=\"_ _0\"></span> predom<span class=\"_ _0\"></span>inantly non<span class=\"ls1 ws1\">-<span class=\"_ _0\"></span><span class=\"ls8 wsa\">current<span class=\"_ _0\"></span> in natur<span class=\"_ _0\"></span>e.</span></span><table class=\"s w269 h214\" id=\"_08b719f1-4974-4aa9-8059-3d9bc804ad82\"><tr><td class=\"c x49d y23e7 w9 h94\"><div class=\"t m0 xd h35 y3eb ff3 fs8 fc0 sc0 ls4 ws0\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x49e y23e7 w196 h94\"><div class=\"t m0 x31 h29 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2025<span class=\"ffb\"> </span></div></td><td></td><td></td><td></td><td class=\"c x49f y23e7 w197 h94\"><div class=\"t m0 x1d2 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">2024 </div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4a0 y23e8 w198 h171\"><div class=\"t m0 x6d h29 y1997 ff3 fs8 fc0 sc0 ls1 ws1\">Contractual </div></td><td></td><td></td><td></td><td class=\"c x4a1 y23e8 w19a h171\"><div class=\"t m0 x6e h25 y1997 ff1 fs8 fc0 sc0 ls2a ws10d\">Contractual<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x4a2 h29 y23e9 ff3 fs8 fc0 sc0 ls28 ws99\">and </td><td class=\"c x4a3 y23e8 wa6 h171\"><div class=\"t m0 x107 h29 yfda ff3 fs8 fc0 sc0 ls28 ws99\">Expected </div></td><td></td><td></td><td class=\"t m0 x4a4 h25 y23e9 ff1 fs8 fc0 sc0 ls29 ws9a\">and<span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4a5 h25 y23e9 ff1 fs8 fc0 sc0 ls29 ws9a\">Expec<span class=\"_ _1\"></span>ted </td><td></td></tr><tr><td></td><td class=\"t m0 x4a6 h29 y23ea ff3 fs8 fc0 sc0 ls27 ws97\">Obliga<span class=\"_ _1\"></span>tion to<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4a7 h29 y23eb ff3 fs8 fc0 sc0 ls1 ws1\">regulatory </td><td class=\"t m0 x4a8 h29 y23ea ff3 fs8 fc0 sc0 ls3 ws109\">Credit Lo<span class=\"_ _0\"></span>ss<span class=\"_ _bc\"> </span></td><td></td><td class=\"t m0 x4a9 h25 y23ea ff1 fs8 fc0 sc0 ls28 ws0\">Obligation to<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></td><td class=\"t m0 x4aa h25 y23eb ff1 fs8 fc0 sc0 ls2a ws10d\">regulatory </td><td class=\"t m0 x4ab h25 y23eb ff1 fs8 fc0 sc0 ls4 ws9a\">Credit Lo<span class=\"_ _1\"></span>ss <span class=\"ls1 ws1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x49e y23e8 w53 h171\"><div class=\"t m0 x7d h35 y3eb ff3 fs8 fc0 sc0 ls6f ws109\">Government <span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x4ac h35 y23ec ff3 fs8 fc0 sc0 ls27 ws98\">claims<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></td><td class=\"t m0 x4ad h35 y23ec ff3 fs8 fc0 sc0 ls27 ws98\">allowan<span class=\"_ _1\"></span>ce <span class=\"ffa ls1 ws1\"> </span></td><td class=\"c x4ae y23e8 w199 h171\"><div class=\"t m0 x88 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">Total<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23e8 wbc h171\"><div class=\"t m0 x10 h35 y3eb ff1 fs8 fc0 sc0 ls4 ws0\">Government<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"t m0 x4b0 h25 y23ec ff1 fs8 fc0 sc0 ls28 ws99\">claims<span class=\"ffb ls1 ws1\"> </span></td><td class=\"c x4b1 y23e8 wa7 h171\"><div class=\"t m0 x84 h25 y3eb ff1 fs8 fc0 sc0 ls28 ws99\">allowanc<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b2 y23e8 wb3 h171\"><div class=\"t m0 x7e h25 y3eb ff1 fs8 fc0 sc0 ls6b ws111\">Total<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x49e y23ed w53 h17\"><div class=\"t m0 xb5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4a0 y23ed w198 h17\"><div class=\"t m0 xd4 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4a3 y23ed wa6 h17\"><div class=\"t m0 x1d h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4ae y23ed w199 h17\"><div class=\"t m0 x84 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">\u20ac<span class=\"fs8\"> 000</span><span class=\"fs8\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4af y23ed wbc h17\"><div class=\"t m0 xd7 h35 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x4a1 y23ed w19a h17\"><div class=\"t m0 xd4 h35 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffa ws1\"> </span></div></td><td class=\"c x4b1 y23ed wa7 h17\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ffb ws1\"> </span></div></td><td class=\"c x4b2 y23ed wb3 h17\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">\u20ac 000<span class=\"ws1\"> </span></div></td></tr><tr><td class=\"c x49d y23ee w9 h96\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls29 ws98\">At 1 Januar<span class=\"_ _1\"></span>y<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x49e y23ee w53 h96\"><div class=\"t m0 xd6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,060<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23ee w198 h96\"><div class=\"t m0 xcb h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">1,490<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23ee wa6 h96\"><div class=\"t m0 x49 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">83<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23ee w199 h96\"><div class=\"t m0 x84 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">2,633<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23ee wbc h96\"><div class=\"t m0 xd7 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,034<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23ee w19a h96\"><div class=\"t m0 xe5 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">340<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23ee wa7 h96\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">29<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23ee wb3 h96\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,403 </div></td></tr><tr><td class=\"c x49d y23ef w9 he5\"><div class=\"t m0 xd h25 yfda ff1 fs8 fc0 sc0 ls29 ws98\">Actuaria<span class=\"_ _1\"></span>l (gai<span class=\"_ _1\"></span>ns)<span class=\"ls1 ws1\">/<span class=\"ls4 ws0\">losses</span> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x28a y23f0 w26a h215\"><div class=\"t m0 x4b3 h25 y1d61 ff1 fs8 fc0 sc0 ls4 ws9a\">recognise<span class=\"_ _1\"></span>d in other<span class=\"_ _bc\"> </span></div><div class=\"t m0 x26e h25 y1d62 ff1 fs8 fc0 sc0 ls4 ws0\">comprehen<span class=\"_ _1\"></span>sive<span class=\"ls1 ws1\"> <span class=\"ls29 ws9a\">inc<span class=\"_ _1\"></span>ome<span class=\"_ _bc\"> </span></span></span></div></td><td class=\"c x49e y23ef w53 he5\"><div class=\"t m0 x104 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(9)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4a0 y23ef w198 he5\"><div class=\"t m0 x125 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23ef wa6 he5\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23ef w199 he5\"><div class=\"t m0 xf3 h35 y3eb ff3 fs8 fc0 sc0 ls29 ws9a\">(9)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4af y23ef wbc he5\"><div class=\"t m0 x125 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">84<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23ef w19a he5\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23ef wa7 he5\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23ef wb3 he5\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">84 </div></td></tr><tr><td class=\"c x49d y23f1 w9 h96\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls1 ws1\"> <span class=\"ls29 ws9a\"></span><span class=\"ls29 ws9a\">Charge</span>s <span class=\"ls4 ws0\">rec<span class=\"_ _1\"></span>ognised</span><span class=\"ls4 ws0\"> <span class=\"_ _1\"></span></span><span class=\"ffa\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x49d y23f2 w9 h97\"><div class=\"t m0 xd h25 y3eb ff1 fs8 fc0 sc0 ls1 ws9b\">   <span class=\"ls28 ws0\">in profit or lo<span class=\"_ _1\"></span>ss</span><span class=\"ffb ws1\"> </span></div></td><td class=\"c x49e y23f2 w53 h97\"><div class=\"t m0 x6b h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">26<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23f2 w198 h97\"><div class=\"t m0 xd7 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">501<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23f2 wa6 h97\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23f2 w199 h97\"><div class=\"t m0 xdf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">527<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23f2 wbc h97\"><div class=\"t m0 x125 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">31<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23f2 w19a h97\"><div class=\"t m0 xd4 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,150<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23f2 wa7 h97\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23f2 wb3 h97\"><div class=\"t m0 xe9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">1,181 </div></td></tr><tr><td class=\"c x49d y23f3 w9 h96\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls28 ws0\">Crystallised o<span class=\"_ _1\"></span>bligations<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x49e y23f3 w53 h96\"><div class=\"t m0 x4f h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(138)<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23f3 w198 h96\"><div class=\"t m0 x125 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23f3 wa6 h96\"><div class=\"t m0 xe6 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23f3 w199 h96\"><div class=\"t m0 xe9 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(138)<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23f3 wbc h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(89)<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23f3 w19a h96\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23f3 wa7 h96\"><div class=\"t m0 x10b h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23f3 wb3 h96\"><div class=\"t m0 xdb h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">(89) </div></td></tr><tr><td class=\"c x270 y23f4 w26b h1e8\"><div class=\"t m0 x26e h25 y221e ff1 fs8 fc0 sc0 ls29 ws98\">Change in E<span class=\"_ _1\"></span>CL pro<span class=\"_ _1\"></span>vision o<span class=\"_ _1\"></span>n<span class=\"_ _bc\"> </span></div><div class=\"t m0 x276 h25 y1d62 ff1 fs8 fc0 sc0 ls79 ws113\">off<span class=\"ls1 ws1\">-<span class=\"ls4 ws9a\">balance she<span class=\"_ _1\"></span>et items<span class=\"_ _bc\"> </span></span></span></div></td><td class=\"c x49e y23f5 w53 h9e\"><div class=\"t m0 xf h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23f5 w198 h9e\"><div class=\"t m0 x125 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23f5 wa6 h9e\"><div class=\"t m0 x10 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws9b\">              <span class=\"ws1\">(51)<span class=\"ffa\"> </span></span></div></td><td class=\"c x4ae y23f5 w199 h9e\"><div class=\"t m0 x11 h35 y3eb ff3 fs8 fc0 sc0 ls1 ws1\">(51)<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23f5 wbc h9e\"><div class=\"t m0 x46 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23f5 w19a h9e\"><div class=\"t m0 xd9 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23f5 wa7 h9e\"><div class=\"t m0 xd6 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">54<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23f5 wb3 h9e\"><div class=\"t m0 x90 h25 y3eb ff1 fs8 fc0 sc0 ls1 ws1\">54 </div></td></tr><tr><td class=\"c x49d y23f6 w9 h172\"><div class=\"t m0 xd h35 y3eb ff1 fs8 fc0 sc0 ls4 ws9a\">At 31 Decemb<span class=\"_ _1\"></span>er<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x49e y23f6 w53 h172\"><div class=\"t m0 x69 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">939<span class=\"ffa\"> </span></div></td><td class=\"c x4a0 y23f6 w198 h172\"><div class=\"t m0 xcb h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">1,991<span class=\"ffa\"> </span></div></td><td class=\"c x4a3 y23f6 wa6 h172\"><div class=\"t m0 x49 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">32<span class=\"ffa\"> </span></div></td><td class=\"c x4ae y23f6 w199 h172\"><div class=\"t m0 x84 h35 y11ec ff3 fs8 fc0 sc0 ls1 ws1\">2,962<span class=\"ffa\"> </span></div></td><td class=\"c x4af y23f6 wbc h172\"><div class=\"t m0 xd7 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">1,060<span class=\"ffb\"> </span></div></td><td class=\"c x4a1 y23f6 w19a h172\"><div class=\"t m0 xd4 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">1,490<span class=\"ffb\"> </span></div></td><td class=\"c x4b1 y23f6 wa7 h172\"><div class=\"t m0 xd6 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">83<span class=\"ffb\"> </span></div></td><td class=\"c x4b2 y23f6 wb3 h172\"><div class=\"t m0 xe9 h25 y11ec ff1 fs8 fc0 sc0 ls1 ws1\">2,633 </div></td></tr></table>The obl<span class=\"_ _1\"></span>igatio<span class=\"_ _1\"></span>n to Go<span class=\"_ _1\"></span>vernmen<span class=\"_ _1\"></span>t aris<span class=\"_ _1\"></span>es in terms<span class=\"_ _1\"></span> of Article 8A o<span class=\"_ _1\"></span>f the Pen<span class=\"_ _1\"></span>sion<span class=\"_ _1\"></span>s Ordin<span class=\"_ _1\"></span>ance (Chap<span class=\"_ _1\"></span>ter 93 of t<span class=\"_ _1\"></span>he Laws o<span class=\"_ _1\"></span>f Malta<span class=\"_ _1\"></span>), cover<span class=\"_ _1\"></span>ing for<span class=\"_ _1\"></span>mer Go<span class=\"_ _1\"></span>vernm<span class=\"_ _1\"></span>ent emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es who o<span class=\"_ _1\"></span>pted t<span class=\"_ _1\"></span>o become <span class=\"_ _1\"></span>full<span class=\"ls1 ws1\">-</span>t<span class=\"_ _1\"></span>ime emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es of<span class=\"_ _1\"></span> MaltaPost p.<span class=\"_ _0\"></span>l.c., a<span class=\"_ _0\"></span>nd who conti<span class=\"_ _0\"></span>nued to be e<span class=\"_ _0\"></span>ntitle<span class=\"_ _0\"></span>d to pension bene<span class=\"_ _0\"></span>fits w<span class=\"_ _0\"></span>hich go be<span class=\"_ _0\"></span>yond the National<span class=\"_ _0\"></span> Insurance S<span class=\"_ _0\"></span>chem<span class=\"_ _0\"></span>e. The pe<span class=\"_ _0\"></span>nsion benef<span class=\"_ _0\"></span>its schem<span class=\"_ _0\"></span>e is a f<span class=\"_ _0\"></span>inal salar<span class=\"_ _0\"></span>y defi<span class=\"_ _0\"></span>ned bene<span class=\"_ _0\"></span>fit pla<span class=\"_ _0\"></span>n and is unfunded.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>Obligation<span class=\"_ _1\"></span> to Government re<span class=\"_ _1\"></span>cognis<span class=\"_ _1\"></span>ed in the st<span class=\"_ _1\"></span>atement of finan<span class=\"_ _1\"></span>cial posit<span class=\"_ _1\"></span>ion is derived as<span class=\"_ _1\"></span> follows:<table class=\"s w26f h21a\" id=\"_65007eae-4f3e-42a5-b8dc-4e1646710cc5\"><tr><td></td><td class=\"c x48f y240e w54 h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y240e wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y240f w54 h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y240f wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2410 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Present<span class=\"_ _0\"></span> value of<span class=\"_ _0\"></span> unfunded obl<span class=\"_ _0\"></span>igatio<span class=\"_ _0\"></span>ns<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2410 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,948<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2410 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,931<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2411 w19f h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Crystallis<span class=\"_ _1\"></span>ed obligatio<span class=\"_ _1\"></span>ns<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2411 w54 h1d\"><div class=\"t m0 x113 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(1,009)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2411 wd5 h1d\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(871)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y2412 w54 h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">939<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2412 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,060<span class=\"ls1 ws1\"> </span></div></td></tr></table>The amou<span class=\"_ _1\"></span>nts<span class=\"_ _1\"></span> recognis<span class=\"_ _1\"></span>ed in<span class=\"_ _1\"></span> other co<span class=\"_ _1\"></span>mprehen<span class=\"_ _1\"></span>sive i<span class=\"_ _1\"></span>nco<span class=\"_ _1\"></span>me are a<span class=\"_ _1\"></span>s follo<span class=\"_ _1\"></span>ws:<table class=\"s w270 h21b\" id=\"_28bd3a18-c23a-415a-a2c7-b488a6ff3135\"><tr><td></td><td class=\"c x48f y2413 w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2413 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y2414 w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2414 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2415 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Net actuari<span class=\"_ _1\"></span>al (losses)/ga<span class=\"_ _1\"></span>ins<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y2416 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">  <span class=\"ws1\">- <span class=\"ls8 wsa\">attributabl<span class=\"_ _0\"></span>e to f<span class=\"_ _0\"></span>inancial<span class=\"_ _0\"></span> assumpti<span class=\"_ _0\"></span>ons</span><span class=\"ls8 wsa\"><span class=\"ffb ls1 ws1\"> </span></span></span></div></td><td class=\"c x48f y2416 w54 h18\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x490 y2416 wd5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(84)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y2417 w54 h174\"><div class=\"t m0 x6b h15 y857 ff3 fs1 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x490 y2417 wd5 h174\"><div class=\"t m0 x49 h3 y857 ff1 fs1 fc0 sc0 ls6 ws8\">(84)<span class=\"ls1 ws1\"> </span></div></td></tr></table>Crystall<span class=\"_ _0\"></span>ised oblig<span class=\"_ _0\"></span>ations re<span class=\"_ _0\"></span>late t<span class=\"_ _0\"></span>o amounts whi<span class=\"_ _0\"></span>ch bec<span class=\"_ _0\"></span>ame payabl<span class=\"_ _0\"></span>e as at the<span class=\"_ _0\"></span> end of t<span class=\"_ _0\"></span>he rep<span class=\"_ _0\"></span>orti<span class=\"_ _0\"></span>ng perio<span class=\"_ _0\"></span>d.<span class=\"ls1 ws1\"> </span>In computi<span class=\"_ _0\"></span>ng the<span class=\"_ _0\"></span> provisio<span class=\"_ _0\"></span>n, t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up used a<span class=\"_ _0\"></span> we<span class=\"_ _0\"></span>ighte<span class=\"_ _0\"></span>d average<span class=\"_ _0\"></span> discount r<span class=\"_ _0\"></span>ate of <span class=\"ls6 ws8\">3.91<span class=\"ws49\">%<span class=\"_ _0\"></span> (202<span class=\"ls1 ws1\">4<span class=\"lsd ws44\">: <span class=\"_ _14\"></span></span></span><span class=\"ws8\">3.52<span class=\"lsd ws44\">%). </span></span></span></span>Assumptions re<span class=\"_ _0\"></span>gardi<span class=\"_ _0\"></span>ng future<span class=\"_ _0\"></span> morta<span class=\"_ _0\"></span>lity ex<span class=\"_ _0\"></span>perience ar<span class=\"_ _0\"></span>e based on publis<span class=\"_ _0\"></span>hed mor<span class=\"_ _0\"></span>tality ta<span class=\"_ _0\"></span>bles in Mal<span class=\"_ _0\"></span>ta, which trans<span class=\"_ _1\"></span>late into an average life exp<span class=\"_ _1\"></span>ectancy of <span class=\"ws8\">83<span class=\"ls1 ws1\"> <span class=\"_ _10\"> </span></span>(202<span class=\"ls1 ws1\">4<span class=\"ls8 ws56\">: 83) de<span class=\"_ _0\"></span>pending on a<span class=\"_ _0\"></span>ge and<span class=\"_ _0\"></span> gende<span class=\"_ _0\"></span>r of the<span class=\"_ _0\"></span> </span></span></span>benefici<span class=\"_ _1\"></span>aries<span class=\"_ _1\"></span>. Thes<span class=\"_ _1\"></span>e facto<span class=\"_ _1\"></span>rs ar<span class=\"_ _1\"></span>e deemed t<span class=\"_ _1\"></span>o be th<span class=\"_ _1\"></span>e main a<span class=\"_ _1\"></span>ssu<span class=\"_ _1\"></span>mption<span class=\"_ _1\"></span>s used<span class=\"_ _1\"></span> in the comp<span class=\"_ _1\"></span>utat<span class=\"_ _1\"></span>ion of t<span class=\"_ _1\"></span>he liability.<span class=\"_ _1\"></span> The sensitivit<span class=\"_ _1\"></span>y of the obligation<span class=\"_ _1\"></span> to changes in th<span class=\"_ _1\"></span>ese assumptio<span class=\"_ _1\"></span>ns is considered immaterial<span class=\"_ _1\"></span> for disclos<span class=\"_ _1\"></span>u<span class=\"ls8 wsa\">re purpose<span class=\"_ _0\"></span>s.<span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-466": {
   "value": "<div class=\"gsb6\"><table class=\"s w272 h21d\" id=\"_d44792fc-342a-49f3-ab8d-abe941fb223e\"><tr><td class=\"t m0 x297 h4 y241f ff3 fs0 fc0 sc0 ls3 ws114\">23.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls8b\">Other<span class=\"_ _0\"></span> liab<span class=\"_ _0\"></span>ilities</span></span><span class=\"ls1 ws1\"><span class=\"ls8b\"><span class=\"_ _11\"></span> <span class=\"fs2 ls1\"> </span></span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2420 wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2420 wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2421 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2421 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2421 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2421 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2422 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x495 y2422 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2422 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x496 y2422 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2423 wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Trade<span class=\"_ _0\"></span> payables<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2423 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,931<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2423 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,640<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2423 w54 h1d\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2423 wd5 h1d\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x40a y2424 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Bills pay<span class=\"_ _1\"></span>able<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2424 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,527<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2424 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,373<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2424 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,527<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2424 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,373<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2425 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Lease liabilit<span class=\"_ _1\"></span>ies<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2425 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,477<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2425 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,103<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2425 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,423<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2425 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,051<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2426 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Other payabl<span class=\"_ _0\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2426 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,2<span class=\"ls89 ws7c\">39</span><span class=\"ls89 ws7c\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2426 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,381<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2426 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,151<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2426 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,456<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2427 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">30,174<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2427 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">26,497<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2427 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">17,101<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2427 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">14,880<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w272 h21e\" id=\"_bdf50299-416b-4458-a2be-8418540cfdfb\"><tr><td class=\"t m0 x297 h5 y2428 ff3 fs0 fc0 sc0 ls3 ws114\">24.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Accru<span class=\"_ _1\"></span>als and deferred<span class=\"_ _1\"></span> income</span></span><span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2429 wc8 h18\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2429 wc8 h18\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y242a w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x495 y242a wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242a w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x496 y242a wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y242b w54 h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y242b wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242b w54 h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y242b wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y242c wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Accrued<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y242c w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,680<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y242c wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,323<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242c w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,681<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y242c wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,324<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y242d wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Other <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y242d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,145<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y242d wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,524<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,787<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y242d wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,319<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y242e w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,825<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y242e wd5 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">13,847<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242e w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">11,468<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y242e wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,643<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-37": {
   "value": "<table class=\"s w272 h21d\" id=\"_d44792fc-342a-49f3-ab8d-abe941fb223e\"><tr><td class=\"t m0 x297 h4 y241f ff3 fs0 fc0 sc0 ls3 ws114\">23.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls8b\">Other<span class=\"_ _0\"></span> liab<span class=\"_ _0\"></span>ilities</span></span><span class=\"ls1 ws1\"><span class=\"ls8b\"><span class=\"_ _11\"></span> <span class=\"fs2 ls1\"> </span></span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2420 wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2420 wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2421 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2421 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2421 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2421 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2422 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x495 y2422 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2422 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x496 y2422 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2423 wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Trade<span class=\"_ _0\"></span> payables<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2423 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,931<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2423 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,640<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2423 w54 h1d\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2423 wd5 h1d\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x40a y2424 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Bills pay<span class=\"_ _1\"></span>able<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2424 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,527<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2424 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,373<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2424 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,527<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2424 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,373<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2425 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Lease liabilit<span class=\"_ _1\"></span>ies<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2425 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,477<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2425 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,103<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2425 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,423<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2425 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,051<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2426 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Other payabl<span class=\"_ _0\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2426 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,2<span class=\"ls89 ws7c\">39</span><span class=\"ls89 ws7c\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2426 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,381<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2426 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,151<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2426 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,456<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2427 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">30,174<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2427 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">26,497<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2427 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">17,101<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2427 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">14,880<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-515": {
   "value": "<table class=\"s w272 h21d\" id=\"_d44792fc-342a-49f3-ab8d-abe941fb223e\"><tr><td class=\"t m0 x297 h4 y241f ff3 fs0 fc0 sc0 ls3 ws114\">23.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls8b\">Other<span class=\"_ _0\"></span> liab<span class=\"_ _0\"></span>ilities</span></span><span class=\"ls1 ws1\"><span class=\"ls8b\"><span class=\"_ _11\"></span> <span class=\"fs2 ls1\"> </span></span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2420 wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2420 wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2421 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2421 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2421 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2421 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2422 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x495 y2422 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2422 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x496 y2422 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2423 wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Trade<span class=\"_ _0\"></span> payables<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2423 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,931<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2423 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,640<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2423 w54 h1d\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2423 wd5 h1d\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x40a y2424 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Bills pay<span class=\"_ _1\"></span>able<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2424 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,527<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2424 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,373<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2424 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,527<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2424 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,373<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2425 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Lease liabilit<span class=\"_ _1\"></span>ies<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2425 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,477<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2425 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,103<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2425 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,423<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2425 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,051<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2426 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Other payabl<span class=\"_ _0\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2426 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,2<span class=\"ls89 ws7c\">39</span><span class=\"ls89 ws7c\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2426 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,381<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2426 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,151<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2426 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,456<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2427 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">30,174<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2427 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">26,497<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2427 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">17,101<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2427 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">14,880<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-524": {
   "value": "<table class=\"s w272 h21d\" id=\"_d44792fc-342a-49f3-ab8d-abe941fb223e\"><tr><td class=\"t m0 x297 h4 y241f ff3 fs0 fc0 sc0 ls3 ws114\">23.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls8b\">Other<span class=\"_ _0\"></span> liab<span class=\"_ _0\"></span>ilities</span></span><span class=\"ls1 ws1\"><span class=\"ls8b\"><span class=\"_ _11\"></span> <span class=\"fs2 ls1\"> </span></span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2420 wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2420 wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2421 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2421 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2421 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2421 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2422 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x495 y2422 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2422 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x496 y2422 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2423 wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Trade<span class=\"_ _0\"></span> payables<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2423 w54 h1d\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,931<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2423 wd5 h1d\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,640<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2423 w54 h1d\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2423 wd5 h1d\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x40a y2424 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Bills pay<span class=\"_ _1\"></span>able<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2424 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,527<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2424 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,373<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2424 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,527<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2424 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,373<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2425 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Lease liabilit<span class=\"_ _1\"></span>ies<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2425 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,477<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2425 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,103<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2425 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,423<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2425 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,051<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2426 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Other payabl<span class=\"_ _0\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2426 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,2<span class=\"ls89 ws7c\">39</span><span class=\"ls89 ws7c\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2426 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,381<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2426 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">10,151<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2426 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,456<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2427 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">30,174<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2427 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">26,497<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2427 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">17,101<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2427 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">14,880<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-36": {
   "value": "<table class=\"s w272 h21e\" id=\"_bdf50299-416b-4458-a2be-8418540cfdfb\"><tr><td class=\"t m0 x297 h5 y2428 ff3 fs0 fc0 sc0 ls3 ws114\">24.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Accru<span class=\"_ _1\"></span>als and deferred<span class=\"_ _1\"></span> income</span></span><span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2429 wc8 h18\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2429 wc8 h18\"><div class=\"t m0 xf7 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y242a w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x495 y242a wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242a w54 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x496 y242a wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y242b w54 h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y242b wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242b w54 h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y242b wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y242c wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Accrued<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y242c w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,680<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y242c wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,323<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242c w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,681<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y242c wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,324<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y242d wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Other <span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y242d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,145<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y242d wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,524<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,787<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y242d wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,319<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y242e w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,825<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y242e wd5 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">13,847<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y242e w54 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">11,468<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y242e wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,643<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredIncomeExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-467": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs898\">25.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Comm<span class=\"_ _0\"></span>itments a<span class=\"_ _0\"></span>nd con<span class=\"_ _0\"></span>tinge<span class=\"_ _0\"></span>nt liabil<span class=\"_ _0\"></span>ities </span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"gsb6\"><table class=\"s w260 h21c\" id=\"_2ebcb832-79c6-4420-8f9a-00f030b19f8e\"><tr><td></td><td></td><td class=\"c x48e y2418 wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y2418 wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y2419 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2419 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2419 w54 h17\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y2419 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y241a w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y241a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y241a w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y241a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y241b wde h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls18 ws7f\">Con<span class=\"_ _1\"></span>tingen<span class=\"_ _1\"></span>t liabil<span class=\"_ _1\"></span>ities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x270 y23e5 w271 h20b\"><div class=\"t m0 x26e h3 y2295 ff1 fs1 fc0 sc0 ls8 wsa\">Guarante<span class=\"_ _0\"></span>e obli<span class=\"_ _0\"></span>gations inc<span class=\"_ _0\"></span>urred on behal<span class=\"_ _0\"></span>f of<span class=\"_ _bc\"> </span></div><div class=\"t m0 x4b8 h3 y2270 ff1 fs1 fc0 sc0 ls8 wsa\">third parti<span class=\"_ _0\"></span>es<span class=\"_ _bc\"> </span></div></td><td class=\"c x48e y241c w54 h156\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,11<span class=\"ls1 ws1\">4<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x42f y241c wd5 h156\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,619<span class=\"_ _bc\"> </span></div></td><td class=\"c x48f y241c w54 h156\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,114<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y241c wd5 h156\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,619<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y241d wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Documentary cr<span class=\"_ _1\"></span>edits<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y241d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,941<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y241d wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,208<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y241d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,941<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y241d wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,208<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y241e w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22,055<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y241e wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,827<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y241e w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22,055<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y241e wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,827<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w273 h21f\" id=\"_04785be1-0077-4811-ba38-71b4a65d27c2\"><tr><td class=\"c x402 y242f wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Commitmen<span class=\"_ _0\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2430 wde h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit facilit<span class=\"_ _1\"></span>ies and oth<span class=\"_ _1\"></span>er commitment<span class=\"_ _1\"></span>s to lend<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y2430 w54 h17\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">355,682<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2430 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">291,647<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2430 w54 h17\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">356,793<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2430 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">292,754<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2431 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Capital comm<span class=\"_ _1\"></span>itments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y2431 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">77<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y2431 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">389<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2431 w54 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">59<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2431 wd5 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">79<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y2432 w54 h18\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">356,458</div></td><td class=\"c x42f y2432 wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">292,036<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2432 w54 h18\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">356,852</div></td><td class=\"c x490 y2432 wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">292,833<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse gs89c\">Credit fa<span class=\"_ _1\"></span>cili<span class=\"_ _1\"></span>ties an<span class=\"_ _1\"></span>d oth<span class=\"_ _1\"></span>er commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> to len<span class=\"_ _1\"></span>d fund<span class=\"_ _1\"></span>s to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span> are gra<span class=\"_ _1\"></span>nted a<span class=\"_ _1\"></span>t preva<span class=\"_ _1\"></span>iling ma<span class=\"_ _1\"></span>rket<span class=\"_ _1\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs89d\">interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>es at d<span class=\"_ _1\"></span>rawdown<span class=\"_ _1\"></span> date.<span class=\"_ _bc\"> </span><span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws16b gs89e\">As at 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5</span>, exp<span class=\"_ _1\"></span>ected credit los<span class=\"_ _1\"></span>ses aris<span class=\"_ _1\"></span>ing on cont<span class=\"_ _1\"></span>ingent liabilit<span class=\"_ _1\"></span>ies and<span class=\"_ _1\"></span> undrawn </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs89f\">comm<span class=\"_ _0\"></span>itments to le<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> Group and t<span class=\"_ _0\"></span>he Bank am<span class=\"_ _0\"></span>ounted to \u20ac<span class=\"_ _0\"></span><span class=\"ls6 ws8\">33,000<span class=\"ls1 ws1\"> <span class=\"lsd ws44\">(202</span>4<span class=\"lsd ws74\">: \u20ac<span class=\"_ _1\"></span></span></span>83,000).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs8a0\">Capital commit<span class=\"_ _1\"></span>ments as a<span class=\"_ _1\"></span>t 31 December 202<span class=\"ls1 ws1\">5 </span>and 202<span class=\"ls1 ws1\">4 <span class=\"ls8 ws53\">mainly rel<span class=\"_ _0\"></span>ate to the<span class=\"_ _0\"></span> acquisiti<span class=\"_ _0\"></span>on of <span class=\"_ _0\"></span>propert<span class=\"_ _0\"></span>y, plant<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8a1\">and equipme<span class=\"_ _0\"></span>nt.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs8a3\">Total fu<span class=\"_ _1\"></span>ture <span class=\"_ _1\"></span>minimu<span class=\"_ _1\"></span>m leas<span class=\"_ _1\"></span>e pa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span> und<span class=\"_ _1\"></span>er non<span class=\"ls1 ws1\">-<span class=\"ls6 ws23\">can<span class=\"_ _1\"></span>cellable sh<span class=\"_ _1\"></span>ort</span>-</span>term <span class=\"_ _1\"></span>leases<span class=\"_ _1\"></span>, with a<span class=\"_ _1\"></span> leas<span class=\"_ _1\"></span>e term of <span class=\"_ _1\"></span>less </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws1 gs8a4\">than 12 months, are as f<span class=\"_ _0\"></span>ollows:<span class=\"ls1\"> </span></div><div class=\"gsb6\"><table class=\"s w260 h220\" id=\"_8b47f902-f4f3-4278-9599-9a223a7db3bf\"><tr><td></td><td class=\"c x48f y2433 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y2433 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y2434 wbc h1d\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2434 wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2435 w1a1 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Current<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y2436 w1a1 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Within 1 y<span class=\"_ _1\"></span>ear<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2436 wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">694<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2436 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">654<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws1a gs8a7\">Specifi<span class=\"_ _1\"></span>c leas<span class=\"_ _1\"></span>e agreemen<span class=\"_ _1\"></span>ts in<span class=\"_ _1\"></span>clude a<span class=\"_ _1\"></span>n optio<span class=\"_ _1\"></span>n to renew t<span class=\"_ _1\"></span>he lease aft<span class=\"_ _1\"></span>er the or<span class=\"_ _1\"></span>iginal<span class=\"_ _1\"></span> term but t<span class=\"_ _1\"></span>he amou<span class=\"_ _1\"></span>nts </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8a8\">presente<span class=\"_ _0\"></span>d in the t<span class=\"_ _0\"></span>able above<span class=\"_ _0\"></span> do not ref<span class=\"_ _0\"></span>lec<span class=\"_ _0\"></span>t payme<span class=\"_ _0\"></span>nts subseque<span class=\"_ _0\"></span>nt to rene<span class=\"_ _0\"></span>wal.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-489": {
   "value": "25.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Comm<span class=\"_ _0\"></span>itments a<span class=\"_ _0\"></span>nd con<span class=\"_ _0\"></span>tinge<span class=\"_ _0\"></span>nt liabil<span class=\"_ _0\"></span>ities </span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span><table class=\"s w260 h21c\" id=\"_2ebcb832-79c6-4420-8f9a-00f030b19f8e\"><tr><td></td><td></td><td class=\"c x48e y2418 wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x48f y2418 wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y2419 w54 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2419 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2419 w54 h17\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y2419 wd5 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y241a w54 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y241a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y241a w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x490 y241a wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y241b wde h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls18 ws7f\">Con<span class=\"_ _1\"></span>tingen<span class=\"_ _1\"></span>t liabil<span class=\"_ _1\"></span>ities<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x270 y23e5 w271 h20b\"><div class=\"t m0 x26e h3 y2295 ff1 fs1 fc0 sc0 ls8 wsa\">Guarante<span class=\"_ _0\"></span>e obli<span class=\"_ _0\"></span>gations inc<span class=\"_ _0\"></span>urred on behal<span class=\"_ _0\"></span>f of<span class=\"_ _bc\"> </span></div><div class=\"t m0 x4b8 h3 y2270 ff1 fs1 fc0 sc0 ls8 wsa\">third parti<span class=\"_ _0\"></span>es<span class=\"_ _bc\"> </span></div></td><td class=\"c x48e y241c w54 h156\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,11<span class=\"ls1 ws1\">4<span class=\"_ _bc\"> </span></span></div></td><td class=\"c x42f y241c wd5 h156\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,619<span class=\"_ _bc\"> </span></div></td><td class=\"c x48f y241c w54 h156\"><div class=\"t m0 x33 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,114<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y241c wd5 h156\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12,619<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y241d wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Documentary cr<span class=\"_ _1\"></span>edits<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y241d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,941<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y241d wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,208<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y241d w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,941<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y241d wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,208<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y241e w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22,055<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y241e wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,827<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y241e w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22,055<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y241e wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">19,827<span class=\"ls1 ws1\"> </span></div></td></tr></table>As at 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5</span>, exp<span class=\"_ _1\"></span>ected credit los<span class=\"_ _1\"></span>ses aris<span class=\"_ _1\"></span>ing on cont<span class=\"_ _1\"></span>ingent liabilit<span class=\"_ _1\"></span>ies and<span class=\"_ _1\"></span> undrawn comm<span class=\"_ _0\"></span>itments to le<span class=\"_ _0\"></span>nd of the<span class=\"_ _0\"></span> Group and t<span class=\"_ _0\"></span>he Bank am<span class=\"_ _0\"></span>ounted to \u20ac<span class=\"_ _0\"></span><span class=\"ls6 ws8\">33,000<span class=\"ls1 ws1\"> <span class=\"lsd ws44\">(202</span>4<span class=\"lsd ws74\">: \u20ac<span class=\"_ _1\"></span></span></span>83,000).<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-35": {
   "value": "25.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Comm<span class=\"_ _0\"></span>itments a<span class=\"_ _0\"></span>nd con<span class=\"_ _0\"></span>tinge<span class=\"_ _0\"></span>nt liabil<span class=\"_ _0\"></span>ities </span><table class=\"s w273 h21f\" id=\"_04785be1-0077-4811-ba38-71b4a65d27c2\"><tr><td class=\"c x402 y242f wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Commitmen<span class=\"_ _0\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2430 wde h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Credit facilit<span class=\"_ _1\"></span>ies and oth<span class=\"_ _1\"></span>er commitment<span class=\"_ _1\"></span>s to lend<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y2430 w54 h17\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">355,682<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y2430 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">291,647<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2430 w54 h17\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">356,793<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2430 wd5 h17\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">292,754<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2431 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Capital comm<span class=\"_ _1\"></span>itments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y2431 w54 h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">77<span class=\"ls1 ws1\">6</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x42f y2431 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">389<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2431 w54 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">59<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2431 wd5 h18\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">79<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y2432 w54 h18\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">356,458</div></td><td class=\"c x42f y2432 wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">292,036<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2432 w54 h18\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">356,852</div></td><td class=\"c x490 y2432 wd5 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">292,833<span class=\"ls1 ws1\"> </span></div></td></tr></table>Credit fa<span class=\"_ _1\"></span>cili<span class=\"_ _1\"></span>ties an<span class=\"_ _1\"></span>d oth<span class=\"_ _1\"></span>er commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span> to len<span class=\"_ _1\"></span>d fund<span class=\"_ _1\"></span>s to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span> are gra<span class=\"_ _1\"></span>nted a<span class=\"_ _1\"></span>t preva<span class=\"_ _1\"></span>iling ma<span class=\"_ _1\"></span>rket<span class=\"_ _1\"></span> interes<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>es at d<span class=\"_ _1\"></span>rawdown<span class=\"_ _1\"></span> date.<span class=\"_ _bc\"> </span>Capital commit<span class=\"_ _1\"></span>ments as a<span class=\"_ _1\"></span>t 31 December 202<span class=\"ls1 ws1\">5 </span>and 202<span class=\"ls1 ws1\">4 <span class=\"ls8 ws53\">mainly rel<span class=\"_ _0\"></span>ate to the<span class=\"_ _0\"></span> acquisiti<span class=\"_ _0\"></span>on of <span class=\"_ _0\"></span>propert<span class=\"_ _0\"></span>y, plant<span class=\"_ _0\"></span> </span></span>and equipme<span class=\"_ _0\"></span>nt.<span class=\"_ _bc\"> </span>Total fu<span class=\"_ _1\"></span>ture <span class=\"_ _1\"></span>minimu<span class=\"_ _1\"></span>m leas<span class=\"_ _1\"></span>e pa<span class=\"_ _1\"></span>yments<span class=\"_ _1\"></span> und<span class=\"_ _1\"></span>er non<span class=\"ls1 ws1\">-<span class=\"ls6 ws23\">can<span class=\"_ _1\"></span>cellable sh<span class=\"_ _1\"></span>ort</span>-</span>term <span class=\"_ _1\"></span>leases<span class=\"_ _1\"></span>, with a<span class=\"_ _1\"></span> leas<span class=\"_ _1\"></span>e term of <span class=\"_ _1\"></span>less than 12 months, are as f<span class=\"_ _0\"></span>ollows:<span class=\"ls1\"> </span><table class=\"s w260 h220\" id=\"_8b47f902-f4f3-4278-9599-9a223a7db3bf\"><tr><td></td><td class=\"c x48f y2433 wbc h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x490 y2433 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48f y2434 wbc h1d\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2434 wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2435 w1a1 h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Current<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y2436 w1a1 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Within 1 y<span class=\"_ _1\"></span>ear<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2436 wbc h18\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">694<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2436 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">654<span class=\"ls1 ws1\"> </span></div></td></tr></table>Specifi<span class=\"_ _1\"></span>c leas<span class=\"_ _1\"></span>e agreemen<span class=\"_ _1\"></span>ts in<span class=\"_ _1\"></span>clude a<span class=\"_ _1\"></span>n optio<span class=\"_ _1\"></span>n to renew t<span class=\"_ _1\"></span>he lease aft<span class=\"_ _1\"></span>er the or<span class=\"_ _1\"></span>iginal<span class=\"_ _1\"></span> term but t<span class=\"_ _1\"></span>he amou<span class=\"_ _1\"></span>nts presente<span class=\"_ _0\"></span>d in the t<span class=\"_ _0\"></span>able above<span class=\"_ _0\"></span> do not ref<span class=\"_ _0\"></span>lec<span class=\"_ _0\"></span>t payme<span class=\"_ _0\"></span>nts subseque<span class=\"_ _0\"></span>nt to rene<span class=\"_ _0\"></span>wal.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-468": {
   "value": "<div class=\"gsb6\"><table class=\"s w274 h221\" id=\"_f5f17fd1-6299-4ae3-ae20-0a46cbff0556\"><tr><td class=\"t m0 x297 h4 y2437 ff3 fs0 fc0 sc0 ls3 ws114\">26.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ls4\">Net int<span class=\"_ _1\"></span>erest i<span class=\"_ _1\"></span>ncome</span><span class=\"ls4\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2438 wc8 ha4\"><div class=\"t m0 xea h15 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2438 wc8 ha4\"><div class=\"t m0 x10d h9 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2439 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2439 w54 ha6\"><div class=\"t m0 x26 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y243a w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243a w54 ha4\"><div class=\"t m0 x35 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243b wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest income<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y243c wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to ban<span class=\"_ _0\"></span>ks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">1,115<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,405<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">1,<span class=\"ls6 ws8\">050</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243d wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to cus<span class=\"_ _0\"></span>tomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32,938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ls1 ws1\">,</span>938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243e wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On balances with Ce<span class=\"_ _0\"></span>ntral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,162<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">3,<span class=\"ls6 ws8\">162</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243f wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On Mal<span class=\"_ _1\"></span>ta Gov<span class=\"_ _1\"></span>ernment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry b<span class=\"_ _1\"></span>ills<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,254<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,374<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2441 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On debt and othe<span class=\"_ _0\"></span>r fix<span class=\"_ _0\"></span>ed inco<span class=\"_ _0\"></span>me instr<span class=\"_ _0\"></span>uments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,549<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,56<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls18 ws74\">3,4<span class=\"ls6 ws8\">89</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x496 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2442 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Net amor<span class=\"_ _0\"></span>tisation of<span class=\"_ _0\"></span> prem<span class=\"_ _0\"></span>iums and disc<span class=\"_ _0\"></span>ounts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls9 wsa\">(7<span class=\"ls6 ws8\">69</span><span class=\"ls6 ws8\">)<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(87<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(767)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(869)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,780<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,722<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,627<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2444 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest i<span class=\"_ _0\"></span>ncome<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">40,034<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,143<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39,911<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,001<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2445 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest expense<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2446 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On amounts ow<span class=\"_ _0\"></span>ed to bank<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x495 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffb\"> </span></div></td><td class=\"c x494 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(2)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2447 wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On amo<span class=\"_ _1\"></span>unts<span class=\"_ _1\"></span> owed to<span class=\"_ _1\"></span> cust<span class=\"_ _1\"></span>omers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,731)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,760)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,735)</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,76<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x40a y2448 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On leas<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2448 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(174)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2448 wd5 ha6\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(121)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2448 w54 ha6\"><div class=\"t m0 x49 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(69)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2448 wd5 ha6\"><div class=\"t m0 x49 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(72)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2449 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest ex<span class=\"_ _0\"></span>pense<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,906)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,883)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,805)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,837)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244a wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Net interest income<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,1<span class=\"ls1 ws1\">28</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x495 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,164<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-38": {
   "value": "<table class=\"s w274 h221\" id=\"_f5f17fd1-6299-4ae3-ae20-0a46cbff0556\"><tr><td class=\"t m0 x297 h4 y2437 ff3 fs0 fc0 sc0 ls3 ws114\">26.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ls4\">Net int<span class=\"_ _1\"></span>erest i<span class=\"_ _1\"></span>ncome</span><span class=\"ls4\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2438 wc8 ha4\"><div class=\"t m0 xea h15 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2438 wc8 ha4\"><div class=\"t m0 x10d h9 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2439 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2439 w54 ha6\"><div class=\"t m0 x26 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y243a w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243a w54 ha4\"><div class=\"t m0 x35 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243b wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest income<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y243c wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to ban<span class=\"_ _0\"></span>ks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">1,115<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,405<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">1,<span class=\"ls6 ws8\">050</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243d wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to cus<span class=\"_ _0\"></span>tomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32,938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ls1 ws1\">,</span>938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243e wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On balances with Ce<span class=\"_ _0\"></span>ntral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,162<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">3,<span class=\"ls6 ws8\">162</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243f wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On Mal<span class=\"_ _1\"></span>ta Gov<span class=\"_ _1\"></span>ernment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry b<span class=\"_ _1\"></span>ills<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,254<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,374<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2441 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On debt and othe<span class=\"_ _0\"></span>r fix<span class=\"_ _0\"></span>ed inco<span class=\"_ _0\"></span>me instr<span class=\"_ _0\"></span>uments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,549<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,56<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls18 ws74\">3,4<span class=\"ls6 ws8\">89</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x496 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2442 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Net amor<span class=\"_ _0\"></span>tisation of<span class=\"_ _0\"></span> prem<span class=\"_ _0\"></span>iums and disc<span class=\"_ _0\"></span>ounts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls9 wsa\">(7<span class=\"ls6 ws8\">69</span><span class=\"ls6 ws8\">)<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(87<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(767)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(869)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,780<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,722<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,627<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2444 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest i<span class=\"_ _0\"></span>ncome<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">40,034<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,143<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39,911<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,001<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2445 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest expense<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2446 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On amounts ow<span class=\"_ _0\"></span>ed to bank<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x495 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffb\"> </span></div></td><td class=\"c x494 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(2)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2447 wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On amo<span class=\"_ _1\"></span>unts<span class=\"_ _1\"></span> owed to<span class=\"_ _1\"></span> cust<span class=\"_ _1\"></span>omers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,731)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,760)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,735)</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,76<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x40a y2448 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On leas<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2448 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(174)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2448 wd5 ha6\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(121)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2448 w54 ha6\"><div class=\"t m0 x49 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(69)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2448 wd5 ha6\"><div class=\"t m0 x49 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(72)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2449 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest ex<span class=\"_ _0\"></span>pense<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,906)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,883)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,805)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,837)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244a wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Net interest income<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,1<span class=\"ls1 ws1\">28</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x495 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,164<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-490": {
   "value": "<table class=\"s w274 h221\" id=\"_f5f17fd1-6299-4ae3-ae20-0a46cbff0556\"><tr><td class=\"t m0 x297 h4 y2437 ff3 fs0 fc0 sc0 ls3 ws114\">26.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ls4\">Net int<span class=\"_ _1\"></span>erest i<span class=\"_ _1\"></span>ncome</span><span class=\"ls4\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2438 wc8 ha4\"><div class=\"t m0 xea h15 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2438 wc8 ha4\"><div class=\"t m0 x10d h9 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2439 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2439 w54 ha6\"><div class=\"t m0 x26 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y243a w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243a w54 ha4\"><div class=\"t m0 x35 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243b wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest income<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y243c wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to ban<span class=\"_ _0\"></span>ks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">1,115<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,405<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">1,<span class=\"ls6 ws8\">050</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243d wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to cus<span class=\"_ _0\"></span>tomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32,938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ls1 ws1\">,</span>938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243e wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On balances with Ce<span class=\"_ _0\"></span>ntral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,162<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">3,<span class=\"ls6 ws8\">162</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243f wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On Mal<span class=\"_ _1\"></span>ta Gov<span class=\"_ _1\"></span>ernment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry b<span class=\"_ _1\"></span>ills<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,254<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,374<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2441 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On debt and othe<span class=\"_ _0\"></span>r fix<span class=\"_ _0\"></span>ed inco<span class=\"_ _0\"></span>me instr<span class=\"_ _0\"></span>uments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,549<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,56<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls18 ws74\">3,4<span class=\"ls6 ws8\">89</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x496 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2442 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Net amor<span class=\"_ _0\"></span>tisation of<span class=\"_ _0\"></span> prem<span class=\"_ _0\"></span>iums and disc<span class=\"_ _0\"></span>ounts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls9 wsa\">(7<span class=\"ls6 ws8\">69</span><span class=\"ls6 ws8\">)<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(87<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(767)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(869)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,780<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,722<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,627<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2444 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest i<span class=\"_ _0\"></span>ncome<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">40,034<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,143<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39,911<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,001<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2445 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest expense<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2446 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On amounts ow<span class=\"_ _0\"></span>ed to bank<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x495 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffb\"> </span></div></td><td class=\"c x494 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(2)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2447 wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On amo<span class=\"_ _1\"></span>unts<span class=\"_ _1\"></span> owed to<span class=\"_ _1\"></span> cust<span class=\"_ _1\"></span>omers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,731)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,760)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,735)</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,76<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x40a y2448 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On leas<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2448 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(174)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2448 wd5 ha6\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(121)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2448 w54 ha6\"><div class=\"t m0 x49 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(69)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2448 wd5 ha6\"><div class=\"t m0 x49 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(72)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2449 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest ex<span class=\"_ _0\"></span>pense<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,906)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,883)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,805)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,837)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244a wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Net interest income<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,1<span class=\"ls1 ws1\">28</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x495 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,164<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingCostsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-505": {
   "value": "<table class=\"s w274 h221\" id=\"_f5f17fd1-6299-4ae3-ae20-0a46cbff0556\"><tr><td class=\"t m0 x297 h4 y2437 ff3 fs0 fc0 sc0 ls3 ws114\">26.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ls4\">Net int<span class=\"_ _1\"></span>erest i<span class=\"_ _1\"></span>ncome</span><span class=\"ls4\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2438 wc8 ha4\"><div class=\"t m0 xea h15 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2438 wc8 ha4\"><div class=\"t m0 x10d h9 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2439 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2439 w54 ha6\"><div class=\"t m0 x26 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y243a w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243a w54 ha4\"><div class=\"t m0 x35 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243b wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest income<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y243c wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to ban<span class=\"_ _0\"></span>ks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">1,115<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,405<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">1,<span class=\"ls6 ws8\">050</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243d wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to cus<span class=\"_ _0\"></span>tomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32,938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ls1 ws1\">,</span>938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243e wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On balances with Ce<span class=\"_ _0\"></span>ntral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,162<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">3,<span class=\"ls6 ws8\">162</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243f wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On Mal<span class=\"_ _1\"></span>ta Gov<span class=\"_ _1\"></span>ernment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry b<span class=\"_ _1\"></span>ills<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,254<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,374<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2441 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On debt and othe<span class=\"_ _0\"></span>r fix<span class=\"_ _0\"></span>ed inco<span class=\"_ _0\"></span>me instr<span class=\"_ _0\"></span>uments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,549<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,56<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls18 ws74\">3,4<span class=\"ls6 ws8\">89</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x496 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2442 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Net amor<span class=\"_ _0\"></span>tisation of<span class=\"_ _0\"></span> prem<span class=\"_ _0\"></span>iums and disc<span class=\"_ _0\"></span>ounts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls9 wsa\">(7<span class=\"ls6 ws8\">69</span><span class=\"ls6 ws8\">)<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(87<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(767)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(869)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,780<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,722<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,627<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2444 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest i<span class=\"_ _0\"></span>ncome<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">40,034<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,143<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39,911<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,001<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2445 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest expense<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2446 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On amounts ow<span class=\"_ _0\"></span>ed to bank<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x495 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffb\"> </span></div></td><td class=\"c x494 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(2)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2447 wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On amo<span class=\"_ _1\"></span>unts<span class=\"_ _1\"></span> owed to<span class=\"_ _1\"></span> cust<span class=\"_ _1\"></span>omers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,731)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,760)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,735)</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,76<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x40a y2448 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On leas<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2448 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(174)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2448 wd5 ha6\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(121)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2448 w54 ha6\"><div class=\"t m0 x49 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(69)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2448 wd5 ha6\"><div class=\"t m0 x49 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(72)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2449 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest ex<span class=\"_ _0\"></span>pense<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,906)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,883)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,805)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,837)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244a wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Net interest income<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,1<span class=\"ls1 ws1\">28</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x495 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,164<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-525": {
   "value": "<table class=\"s w274 h221\" id=\"_f5f17fd1-6299-4ae3-ae20-0a46cbff0556\"><tr><td class=\"t m0 x297 h4 y2437 ff3 fs0 fc0 sc0 ls3 ws114\">26.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ls4\">Net int<span class=\"_ _1\"></span>erest i<span class=\"_ _1\"></span>ncome</span><span class=\"ls4\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2438 wc8 ha4\"><div class=\"t m0 xea h15 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2438 wc8 ha4\"><div class=\"t m0 x10d h9 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2439 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2439 w54 ha6\"><div class=\"t m0 x26 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y243a w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243a w54 ha4\"><div class=\"t m0 x35 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243b wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest income<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y243c wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to ban<span class=\"_ _0\"></span>ks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">1,115<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,405<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">1,<span class=\"ls6 ws8\">050</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243d wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to cus<span class=\"_ _0\"></span>tomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32,938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ls1 ws1\">,</span>938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243e wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On balances with Ce<span class=\"_ _0\"></span>ntral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,162<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">3,<span class=\"ls6 ws8\">162</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243f wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On Mal<span class=\"_ _1\"></span>ta Gov<span class=\"_ _1\"></span>ernment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry b<span class=\"_ _1\"></span>ills<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,254<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,374<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2441 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On debt and othe<span class=\"_ _0\"></span>r fix<span class=\"_ _0\"></span>ed inco<span class=\"_ _0\"></span>me instr<span class=\"_ _0\"></span>uments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,549<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,56<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls18 ws74\">3,4<span class=\"ls6 ws8\">89</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x496 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2442 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Net amor<span class=\"_ _0\"></span>tisation of<span class=\"_ _0\"></span> prem<span class=\"_ _0\"></span>iums and disc<span class=\"_ _0\"></span>ounts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls9 wsa\">(7<span class=\"ls6 ws8\">69</span><span class=\"ls6 ws8\">)<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(87<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(767)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(869)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,780<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,722<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,627<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2444 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest i<span class=\"_ _0\"></span>ncome<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">40,034<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,143<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39,911<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,001<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2445 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest expense<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2446 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On amounts ow<span class=\"_ _0\"></span>ed to bank<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x495 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffb\"> </span></div></td><td class=\"c x494 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(2)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2447 wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On amo<span class=\"_ _1\"></span>unts<span class=\"_ _1\"></span> owed to<span class=\"_ _1\"></span> cust<span class=\"_ _1\"></span>omers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,731)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,760)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,735)</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,76<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x40a y2448 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On leas<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2448 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(174)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2448 wd5 ha6\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(121)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2448 w54 ha6\"><div class=\"t m0 x49 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(69)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2448 wd5 ha6\"><div class=\"t m0 x49 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(72)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2449 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest ex<span class=\"_ _0\"></span>pense<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,906)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,883)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,805)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,837)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244a wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Net interest income<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,1<span class=\"ls1 ws1\">28</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x495 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,164<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-531": {
   "value": "<table class=\"s w274 h221\" id=\"_f5f17fd1-6299-4ae3-ae20-0a46cbff0556\"><tr><td class=\"t m0 x297 h4 y2437 ff3 fs0 fc0 sc0 ls3 ws114\">26.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ls4\">Net int<span class=\"_ _1\"></span>erest i<span class=\"_ _1\"></span>ncome</span><span class=\"ls4\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2438 wc8 ha4\"><div class=\"t m0 xea h15 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2438 wc8 ha4\"><div class=\"t m0 x10d h9 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2439 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2439 w54 ha6\"><div class=\"t m0 x26 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y243a w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243a w54 ha4\"><div class=\"t m0 x35 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243b wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest income<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y243c wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to ban<span class=\"_ _0\"></span>ks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">1,115<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,405<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">1,<span class=\"ls6 ws8\">050</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243d wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to cus<span class=\"_ _0\"></span>tomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32,938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ls1 ws1\">,</span>938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243e wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On balances with Ce<span class=\"_ _0\"></span>ntral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,162<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">3,<span class=\"ls6 ws8\">162</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243f wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On Mal<span class=\"_ _1\"></span>ta Gov<span class=\"_ _1\"></span>ernment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry b<span class=\"_ _1\"></span>ills<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,254<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,374<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2441 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On debt and othe<span class=\"_ _0\"></span>r fix<span class=\"_ _0\"></span>ed inco<span class=\"_ _0\"></span>me instr<span class=\"_ _0\"></span>uments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,549<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,56<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls18 ws74\">3,4<span class=\"ls6 ws8\">89</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x496 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2442 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Net amor<span class=\"_ _0\"></span>tisation of<span class=\"_ _0\"></span> prem<span class=\"_ _0\"></span>iums and disc<span class=\"_ _0\"></span>ounts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls9 wsa\">(7<span class=\"ls6 ws8\">69</span><span class=\"ls6 ws8\">)<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(87<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(767)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(869)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,780<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,722<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,627<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2444 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest i<span class=\"_ _0\"></span>ncome<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">40,034<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,143<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39,911<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,001<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2445 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest expense<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2446 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On amounts ow<span class=\"_ _0\"></span>ed to bank<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x495 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffb\"> </span></div></td><td class=\"c x494 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(2)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2447 wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On amo<span class=\"_ _1\"></span>unts<span class=\"_ _1\"></span> owed to<span class=\"_ _1\"></span> cust<span class=\"_ _1\"></span>omers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,731)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,760)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,735)</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,76<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x40a y2448 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On leas<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2448 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(174)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2448 wd5 ha6\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(121)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2448 w54 ha6\"><div class=\"t m0 x49 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(69)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2448 wd5 ha6\"><div class=\"t m0 x49 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(72)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2449 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest ex<span class=\"_ _0\"></span>pense<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,906)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,883)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,805)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,837)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244a wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Net interest income<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,1<span class=\"ls1 ws1\">28</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x495 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,164<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-537": {
   "value": "<table class=\"s w274 h221\" id=\"_f5f17fd1-6299-4ae3-ae20-0a46cbff0556\"><tr><td class=\"t m0 x297 h4 y2437 ff3 fs0 fc0 sc0 ls3 ws114\">26.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ls4\">Net int<span class=\"_ _1\"></span>erest i<span class=\"_ _1\"></span>ncome</span><span class=\"ls4\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x493 y2438 wc8 ha4\"><div class=\"t m0 xea h15 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x494 y2438 wc8 ha4\"><div class=\"t m0 x10d h9 y8d0 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2439 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2439 w54 ha6\"><div class=\"t m0 x26 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y2439 wd5 ha6\"><div class=\"t m0 x26 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y243a w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243a w54 ha4\"><div class=\"t m0 x35 h9 y8d0 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x496 y243a wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243b wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest income<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y243c wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to ban<span class=\"_ _0\"></span>ks<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">1,115<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,405<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243c w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">1,<span class=\"ls6 ws8\">050</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243c wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">1,333<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243d wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On loans and advances to cus<span class=\"_ _0\"></span>tomers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32,938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243d w54 ha4\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">32<span class=\"ls1 ws1\">,</span>938<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243d wd5 ha4\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">28,989<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243e wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls7 ws1\">On balances with Ce<span class=\"_ _0\"></span>ntral Bank of Malta<span class=\"ffb ls1\"> </span></div></td><td class=\"c x493 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,162<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243e w54 ha4\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">3,<span class=\"ls6 ws8\">162</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y243e wd5 ha4\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">4,992<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y243f wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On Mal<span class=\"_ _1\"></span>ta Gov<span class=\"_ _1\"></span>ernment t<span class=\"_ _1\"></span>reasu<span class=\"_ _1\"></span>ry b<span class=\"_ _1\"></span>ills<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y243f w54 ha6\"><div class=\"t m0 xd9 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y243f wd5 ha6\"><div class=\"t m0 xd9 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,254<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,446<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2440 w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">37,189<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2440 wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">35,374<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2441 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On debt and othe<span class=\"_ _0\"></span>r fix<span class=\"_ _0\"></span>ed inco<span class=\"_ _0\"></span>me instr<span class=\"_ _0\"></span>uments<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">3,549<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,56<span class=\"ls1 ws1\">8</span><span class=\"ls1 ws1\"><span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2441 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls18 ws74\">3,4<span class=\"ls6 ws8\">89</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x496 y2441 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">3,496<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2442 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">Net amor<span class=\"_ _0\"></span>tisation of<span class=\"_ _0\"></span> prem<span class=\"_ _0\"></span>iums and disc<span class=\"_ _0\"></span>ounts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls9 wsa\">(7<span class=\"ls6 ws8\">69</span><span class=\"ls6 ws8\">)<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x495 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(87<span class=\"ls1 ws1\">1</span><span class=\"ls1 ws1\">)<span class=\"ffb\"> </span></span></div></td><td class=\"c x494 y2442 w54 ha5\"><div class=\"t m0 xb5 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(767)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2442 wd5 ha5\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(869)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x493 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,780<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2443 w54 ha6\"><div class=\"t m0 x35 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">2,722<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2443 wd5 ha6\"><div class=\"t m0 x35 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">2,627<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2444 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest i<span class=\"_ _0\"></span>ncome<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">40,034<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,143<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2444 w54 ha6\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">39,911<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2444 wd5 ha6\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">38,001<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2445 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Interest expense<span class=\"ffa ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2446 wde ha5\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls8 wsa\">On amounts ow<span class=\"_ _0\"></span>ed to bank<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x495 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 ls1 ws1\">(2)<span class=\"ffb\"> </span></div></td><td class=\"c x494 y2446 w54 ha5\"><div class=\"t m0 x125 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(1)<span class=\"ffa\"> </span></div></td><td class=\"c x496 y2446 wd5 ha5\"><div class=\"t m0 x27 h3 y8d0 ff1 fs1 fc0 sc0 lsd ws44\">(2)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2447 wde ha4\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On amo<span class=\"_ _1\"></span>unts<span class=\"_ _1\"></span> owed to<span class=\"_ _1\"></span> cust<span class=\"_ _1\"></span>omers<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,731)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,760)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2447 w54 ha4\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\">(<span class=\"ls6 ws8\">13,735)</span><span class=\"ffa\"> </span></div></td><td class=\"c x496 y2447 wd5 ha4\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,76<span class=\"ls1 ws1\">3</span><span class=\"ls1 ws1\">) </span></div></td></tr><tr><td class=\"c x40a y2448 wde ha6\"><div class=\"t m0 xd h3 y8d0 ff1 fs1 fc0 sc0 ls5 ws6\">On leas<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x493 y2448 w54 ha6\"><div class=\"t m0 x26 h15 y8d0 ff3 fs1 fc0 sc0 ls1 ws1\"> <span class=\"ls6 ws8\">(174)</span><span class=\"ffa\"> </span></div></td><td class=\"c x495 y2448 wd5 ha6\"><div class=\"t m0 xb5 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(121)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2448 w54 ha6\"><div class=\"t m0 x49 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(69)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2448 wd5 ha6\"><div class=\"t m0 x49 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(72)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2449 wde ha6\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Total interest ex<span class=\"_ _0\"></span>pense<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,906)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x495 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,883)<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y2449 w54 ha6\"><div class=\"t m0 x80 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">(13,805)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y2449 wd5 ha6\"><div class=\"t m0 x80 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">(10,837)<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244a wde ha5\"><div class=\"t m0 xd h15 y8d0 ff3 fs1 fc0 sc0 ls7 ws1\">Net interest income<span class=\"ffa ls1\"> </span></div></td><td class=\"c x493 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,1<span class=\"ls1 ws1\">28</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x495 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,260<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x494 y244a w54 ha5\"><div class=\"t m0 xd4 h15 y8d0 ff3 fs1 fc0 sc0 ls6 ws8\">26,106<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x496 y244a wd5 ha5\"><div class=\"t m0 x33 h3 y8d0 ff1 fs1 fc0 sc0 ls6 ws8\">27,164<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-39": {
   "value": "<table class=\"s w276 h224\" id=\"_7d37fffd-ebd9-4612-b31e-4822a4b084c5\"><tr><td class=\"t m0 x297 h5 y245c ff3 fs0 fc0 sc0 ls3 ws114\">27. <span class=\"ls1 ws1\"> <span class=\"_ _86\"> </span><span class=\"ls4 ws4\">Net f<span class=\"_ _1\"></span>ee and commiss<span class=\"_ _1\"></span>ion income</span></span><span class=\"ls1 ws1\"><span class=\"ls4 ws4\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4b9 y245d wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x4ba y245d wc8 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b9 y245e wd5 h17\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bb y245e w54 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y245e wd5 h17\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bc y245e w54 h17\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4b9 y245f wd5 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bb y245f w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y245f wd5 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bc y245f w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2460 w125 h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Fee and commi<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ion in<span class=\"_ _0\"></span>come<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2461 w125 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Retail bank<span class=\"_ _1\"></span>ing customer fees<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b9 y2461 wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,003<span class=\"_ _bc\"> </span></div></td><td class=\"c x4bb y2461 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,855<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y2461 wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">4,005<span class=\"_ _bc\"> </span></div></td><td class=\"c x4bc y2461 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">3,856<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2462 w125 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws4e\">Brokerage<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b9 y2462 wd5 h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">143<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bb y2462 w54 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">72<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y2462 wd5 h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">143<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bc y2462 w54 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">72<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2463 w125 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Other<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b9 y2463 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,520<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bb y2463 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,715<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y2463 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,538<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bc y2463 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,682<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2464 w125 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Total fee and<span class=\"_ _1\"></span> commission in<span class=\"_ _1\"></span>come<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b9 y2464 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,666<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bb y2464 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,642<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y2464 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,686<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bc y2464 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,610<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2465 w125 h1d\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Fee and commi<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ion expe<span class=\"_ _0\"></span>nse<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2466 w125 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Inter<span class=\"ls1 ws1\">-<span class=\"ls7\">bank trans<span class=\"_ _1\"></span>action fee<span class=\"_ _0\"></span>s</span></span><span class=\"ls1 ws1\"><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></span></div></td><td class=\"c x4b9 y2466 wd5 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(260)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bb y2466 w54 h18\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">           <span class=\"ws1\"> <span class=\"ls6 ws8\">(246)</span><span class=\"ffb\"> </span></span></div></td><td class=\"c x4ba y2466 wd5 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(260)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bc y2466 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(246)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2467 w125 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Other<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b9 y2467 wd5 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(33)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bb y2467 w54 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(23)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y2467 wd5 h18\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(33)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bc y2467 w54 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(23)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2468 w125 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Total fe<span class=\"_ _1\"></span>e and<span class=\"_ _1\"></span> commiss<span class=\"_ _1\"></span>ion ex<span class=\"_ _1\"></span>pens<span class=\"_ _1\"></span>e<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4b9 y2468 wd5 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(293)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bb y2468 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(269)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y2468 wd5 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(293)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bc y2468 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(269)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2469 w125 h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Net fee and commiss<span class=\"_ _0\"></span>ion income<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4b9 y2469 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,373<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bb y2469 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,373<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ba y2469 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,393<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bc y2469 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">5,341<span class=\"ls1 ws1\"> </span></div></td></tr></table>Fee and commis<span class=\"_ _1\"></span>sion inco<span class=\"_ _1\"></span>me is prin<span class=\"_ _1\"></span>cipally recognis<span class=\"_ _1\"></span>ed at a point in<span class=\"_ _1\"></span> time.<span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-469": {
   "value": "<div class=\"gsb6\"><table class=\"s w275 h222\" id=\"_f9fcf173-7c18-4b4b-818b-2653e35d361a\"><tr><td class=\"t m0 x297 h5 y244b ff3 fs0 fc0 sc0 ls3 ws114\">28.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Postal sal<span class=\"_ _1\"></span>es and other reven<span class=\"_ _1\"></span>ues</span></span><span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x406 y244c wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x407 y244c wc8 h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y244d w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x408 y244d wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y244d w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x409 y244d wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y244e w54 h17\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x408 y244e wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y244e w54 h17\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x409 y244e wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244f w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Stamps, parcel post and posta<span class=\"_ _0\"></span>l stationery<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2450 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">   <span class=\"ls8 wsa\">including<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> foreign inbo<span class=\"_ _0\"></span>und mail<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x406 y2450 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">35,909<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y2450 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">34,038<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y2450 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x409 y2450 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x40a y2451 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Collectibles<span class=\"_ _1\"></span> and ph<span class=\"_ _1\"></span>ilatelic sales<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y2451 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,800<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y2451 wd5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">733<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y2451 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,520<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y2451 wd5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">500<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2452 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Other<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y2452 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">4,9<span class=\"ls6 ws8\">40</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x408 y2452 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,412<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y2452 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x409 y2452 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td></td><td class=\"c x406 y2453 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,6<span class=\"ls1 ws1\">49</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x408 y2453 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">39,183<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y2453 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,520<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y2453 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">500<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-542": {
   "value": "<table class=\"s w275 h222\" id=\"_f9fcf173-7c18-4b4b-818b-2653e35d361a\"><tr><td class=\"t m0 x297 h5 y244b ff3 fs0 fc0 sc0 ls3 ws114\">28.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Postal sal<span class=\"_ _1\"></span>es and other reven<span class=\"_ _1\"></span>ues</span></span><span class=\"ls1 ws1\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x406 y244c wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x407 y244c wc8 h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y244d w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x408 y244d wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y244d w54 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x409 y244d wd5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y244e w54 h17\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x408 y244e wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y244e w54 h17\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x409 y244e wd5 h17\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y244f w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Stamps, parcel post and posta<span class=\"_ _0\"></span>l stationery<span class=\"_ _0\"></span><span class=\"ffb ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40a y2450 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws9\">   <span class=\"ls8 wsa\">including<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> foreign inbo<span class=\"_ _0\"></span>und mail<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x406 y2450 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">35,909<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y2450 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">34,038<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y2450 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x409 y2450 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x40a y2451 w99 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Collectibles<span class=\"_ _1\"></span> and ph<span class=\"_ _1\"></span>ilatelic sales<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y2451 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,800<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y2451 wd5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">733<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y2451 w54 h17\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,520<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y2451 wd5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">500<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y2452 w99 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Other<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y2452 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls18 ws74\">4,9<span class=\"ls6 ws8\">40</span><span class=\"ls6 ws8\"><span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x408 y2452 wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,412<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y2452 w54 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x409 y2452 wd5 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td></td><td class=\"c x406 y2453 w54 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">42,6<span class=\"ls1 ws1\">49</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x408 y2453 wd5 h18\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">39,183<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y2453 w54 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,520<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y2453 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">500<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-491": {
   "value": "<div class=\"gsb6\"><table class=\"s w275 h227\" id=\"_18cc1db3-3e8c-466d-996d-9ab6658ba416\"><tr><td class=\"t m0 x297 h4 y2479 ff3 fs0 fc0 sc0 ls3 ws114\">30.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Net trad<span class=\"_ _0\"></span>ing i<span class=\"_ _0\"></span>ncome</span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x406 y247a wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x407 y247a wc8 h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y247b w54 h17\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x408 y247b wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y247b w54 h17\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x409 y247b wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y247c w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x408 y247c wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y247c w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x409 y247c wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y247d w99 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Gains on<span class=\"_ _1\"></span> foreign exchange act<span class=\"_ _1\"></span>ivities<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y247d w54 h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">612<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y247d wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">628<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y247d w54 h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">579<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y247d wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">665<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-40": {
   "value": "<table class=\"s w275 h227\" id=\"_18cc1db3-3e8c-466d-996d-9ab6658ba416\"><tr><td class=\"t m0 x297 h4 y2479 ff3 fs0 fc0 sc0 ls3 ws114\">30.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Net trad<span class=\"_ _0\"></span>ing i<span class=\"_ _0\"></span>ncome</span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x406 y247a wc8 h18\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x407 y247a wc8 h18\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y247b w54 h17\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x408 y247b wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y247b w54 h17\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x409 y247b wd5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x406 y247c w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x408 y247c wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y247c w54 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x409 y247c wd5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x40a y247d w99 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Gains on<span class=\"_ _1\"></span> foreign exchange act<span class=\"_ _1\"></span>ivities<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x406 y247d w54 h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">612<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x408 y247d wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">628<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x407 y247d w54 h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">579<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x409 y247d wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">665<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-470": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs8ad\">31.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Employ<span class=\"_ _0\"></span>ee compe<span class=\"_ _0\"></span>nsatio<span class=\"_ _0\"></span>n and be<span class=\"_ _0\"></span>nefits</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"gsb6\"><table class=\"s w278 h226\" id=\"_eb3c668c-5241-43ed-be40-359080329f92\"><tr><td></td><td></td><td class=\"c x3fe y2472 wc8 h152\"><div class=\"t m0 x10d h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x4be y2472 wc8 h152\"><div class=\"t m0 x14e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x3fe y2473 w54 h153\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bf y2473 wd5 h153\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4be y2473 w54 h153\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4c0 y2473 wd5 h153\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2474 w1a6 h8e\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Avera<span class=\"_ _0\"></span>ge number of<span class=\"_ _0\"></span> employ<span class=\"_ _0\"></span>ees<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y2475 w1a6 h152\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Execu<span class=\"_ _1\"></span>tives<span class=\"_ _1\"></span> and s<span class=\"_ _1\"></span>enior ma<span class=\"_ _1\"></span>nageri<span class=\"_ _1\"></span>al<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y2475 w54 h152\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bf y2475 wd5 h152\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">47<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4be y2475 w54 h152\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">35<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c0 y2475 wd5 h152\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">35<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2476 w1a6 h153\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Other managerial,<span class=\"_ _1\"></span> supervis<span class=\"_ _1\"></span>ory and<span class=\"_ _1\"></span> clerical<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y2476 w54 h153\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">389<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bf y2476 wd5 h153\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">373<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4be y2476 w54 h153\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">171<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c0 y2476 wd5 h153\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">173<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2477 w1a6 h152\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Others<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3fe y2477 w54 h152\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">532<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bf y2477 wd5 h152\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">523<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4be y2477 w54 h152\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">6<span class=\"ffa\"> </span></div></td><td class=\"c x4c0 y2477 wd5 h152\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">6 </div></td></tr><tr><td></td><td class=\"c x3fe y2478 w54 h17a\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">968<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bf y2478 wd5 h17a\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">943<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4be y2478 w54 h17a\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">212<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c0 y2478 wd5 h17a\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">214<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-538": {
   "value": "31.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Employ<span class=\"_ _0\"></span>ee compe<span class=\"_ _0\"></span>nsatio<span class=\"_ _0\"></span>n and be<span class=\"_ _0\"></span>nefits</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span><table class=\"s w277 h225\" id=\"_4f49b3f3-5cc2-4139-bf80-335522b3dd3f\"><tr><td></td><td></td><td class=\"c x430 y246a w1a3 h18\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y246a w1a4 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x430 y246b wd5 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y246b w146 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246b wbc h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y246b w1a5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x430 y246c wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y246c w146 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246c wbc h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y246c w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y246d w125 h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls24 ws71\">Staff cost<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y246e w125 h18\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- w<span class=\"ls5 ws7\">ages<span class=\"_ _1\"></span><span class=\"lsb ws24\">, s</span></span><span class=\"ls7\">alaries and allowanc<span class=\"_ _11\"></span>es</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x430 y246e wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">26,392<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y246e w146 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,731<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246e wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8,<span class=\"ls6 ws8\">98</span>8<span class=\"ffa\"> </span></div></td><td class=\"c x401 y246e w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,002<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y246f w125 h152\"><div class=\"t m0 x6d h2d y179 ff11 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1\"> s<span class=\"ls6 ws7\">ocial security<span class=\"_ _1\"></span> costs</span></span><span class=\"ff1\"><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x430 y246f wd5 h152\"><div class=\"t m0 x35 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">1,832<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y246f w146 h152\"><div class=\"t m0 x22 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,798<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246f wbc h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">509<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y246f w1a5 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">511<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2470 w125 h153\"><div class=\"t m0 x6d h2d y338 ff11 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1\"> <span class=\"ls5 ws7\">others</span></span><span class=\"ff1\"><span class=\"ls5 ws7\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x430 y2470 wd5 h153\"><div class=\"t m0 x69 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y2470 w146 h153\"><div class=\"t m0 x6b h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3ff y2470 wbc h153\"><div class=\"t m0 x69 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y2470 w1a5 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td></td><td class=\"c x430 y2471 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">28,299<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y2471 w146 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">26,529<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2471 wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,572<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y2471 w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,513<span class=\"ls1 ws1\"> </span></div></td></tr></table>33.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Profit be<span class=\"_ _0\"></span>fore ta<span class=\"_ _0\"></span>xati<span class=\"_ _0\"></span>on<span class=\"_ _bc\"> </span></span>Other operating costs are ana<span class=\"_ _0\"></span>lysed as follow<span class=\"_ _0\"></span>s:<span class=\"ls1\"> </span><table class=\"s w27b h22c\" id=\"_4c6be617-04b7-4ff1-aaa5-e7b9b48dc6ce\"><tr><td></td><td class=\"c x4d3 y24c1 w1ab h18\"><div class=\"t m0 x46 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x40e y24c1 wc8 h18\"><div class=\"t m0 x11e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c2 w1ac h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c2 wa5 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c2 w1ad h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c2 w1ae h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c3 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c3 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c3 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c3 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c4 w1aa h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Forei<span class=\"_ _0\"></span>gn outbound mai<span class=\"_ _0\"></span>l<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c4 w1ac h1d\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,852<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c4 wa5 h1d\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,710<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c4 w1ad h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4d4 y24c4 w1ae h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24c5 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Utilities, ins<span class=\"_ _1\"></span>urance and<span class=\"_ _1\"></span> security<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c5 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,098<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c5 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,089<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c5 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">707<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c5 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">717<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c6 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Depos<span class=\"_ _1\"></span>itor a<span class=\"_ _1\"></span>nd in<span class=\"_ _1\"></span>vesto<span class=\"_ _1\"></span>r compens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> schemes<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c6 w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c6 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c6 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c6 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c7 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Infor<span class=\"_ _1\"></span>mation<span class=\"_ _1\"></span> sys<span class=\"_ _1\"></span>tems an<span class=\"_ _1\"></span>d teleco<span class=\"_ _1\"></span>mmunica<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c7 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,528<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c7 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,977<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c7 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,639<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c7 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,126<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c8 w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repair<span class=\"_ _0\"></span>s and mainte<span class=\"_ _0\"></span>nance<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c8 w1ac h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,302<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c8 wa5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,275<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c8 w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">421<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c8 w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">440<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c9 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Short<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">ter<span class=\"_ _1\"></span>m and<span class=\"_ _1\"></span> low va<span class=\"_ _1\"></span>lue leas<span class=\"_ _1\"></span>es</span></span><span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x4d3 y24c9 w1ac h18\"><div class=\"t m0 x69 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">714<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24c9 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c9 w1ad h18\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">116<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24c9 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">129<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ca w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Expen<span class=\"_ _1\"></span>ses a<span class=\"_ _1\"></span>ssocia<span class=\"_ _1\"></span>ted with<span class=\"_ _1\"></span> card s<span class=\"_ _1\"></span>ervices<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24ca w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24ca wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ca w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24ca w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cb w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws2a\">Licence fe<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cb w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">513<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cb wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">524<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cb w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">282<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cb w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">229<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cc w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Legal a<span class=\"_ _1\"></span>nd pr<span class=\"_ _1\"></span>ofessi<span class=\"_ _1\"></span>onal fees<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cc w1ac h17\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">741<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cc wa5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cc w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">495<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cc w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">590<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cd w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other a<span class=\"_ _1\"></span>dmini<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>ive exp<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cd w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,155<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cd wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,281<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cd w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,331<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cd w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,341<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ce w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Total other oper<span class=\"_ _0\"></span>ating costs<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4d3 y24ce w1ac h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">24,584<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24ce wa5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,431<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ce w1ad h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,672<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24ce w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,707<span class=\"ls1 ws1\"> </span></div></td></tr></table>Other adm<span class=\"_ _0\"></span>inistrat<span class=\"_ _0\"></span>ive ex<span class=\"_ _0\"></span>penses m<span class=\"_ _0\"></span>ainly com<span class=\"_ _0\"></span>prise pr<span class=\"_ _0\"></span>ofessiona<span class=\"_ _11\"></span>l expenses, subcontra<span class=\"_ _0\"></span>cted <span class=\"_ _0\"></span>servic<span class=\"_ _0\"></span>es and othe<span class=\"_ _0\"></span>r service<span class=\"_ _0\"></span>s or expe<span class=\"_ _0\"></span>nse ite<span class=\"_ _0\"></span>ms which ar<span class=\"_ _0\"></span>e incur<span class=\"_ _0\"></span>red in the<span class=\"_ _0\"></span> course<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> operati<span class=\"_ _0\"></span>ons of the G<span class=\"_ _0\"></span>roup and the<span class=\"_ _0\"></span> Bank.<span class=\"_ _bc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesByNatureExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-492": {
   "value": "31.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Employ<span class=\"_ _0\"></span>ee compe<span class=\"_ _0\"></span>nsatio<span class=\"_ _0\"></span>n and be<span class=\"_ _0\"></span>nefits</span><span class=\"ws3\"><span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></span><div class=\"gsb6\"><table class=\"s w277 h225\" id=\"_4f49b3f3-5cc2-4139-bf80-335522b3dd3f\"><tr><td></td><td></td><td class=\"c x430 y246a w1a3 h18\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y246a w1a4 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x430 y246b wd5 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y246b w146 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246b wbc h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y246b w1a5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x430 y246c wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y246c w146 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246c wbc h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y246c w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y246d w125 h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls24 ws71\">Staff cost<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y246e w125 h18\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- w<span class=\"ls5 ws7\">ages<span class=\"_ _1\"></span><span class=\"lsb ws24\">, s</span></span><span class=\"ls7\">alaries and allowanc<span class=\"_ _11\"></span>es</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x430 y246e wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">26,392<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y246e w146 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,731<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246e wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8,<span class=\"ls6 ws8\">98</span>8<span class=\"ffa\"> </span></div></td><td class=\"c x401 y246e w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,002<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y246f w125 h152\"><div class=\"t m0 x6d h2d y179 ff11 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1\"> s<span class=\"ls6 ws7\">ocial security<span class=\"_ _1\"></span> costs</span></span><span class=\"ff1\"><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x430 y246f wd5 h152\"><div class=\"t m0 x35 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">1,832<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y246f w146 h152\"><div class=\"t m0 x22 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,798<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246f wbc h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">509<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y246f w1a5 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">511<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2470 w125 h153\"><div class=\"t m0 x6d h2d y338 ff11 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1\"> <span class=\"ls5 ws7\">others</span></span><span class=\"ff1\"><span class=\"ls5 ws7\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x430 y2470 wd5 h153\"><div class=\"t m0 x69 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y2470 w146 h153\"><div class=\"t m0 x6b h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3ff y2470 wbc h153\"><div class=\"t m0 x69 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y2470 w1a5 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td></td><td class=\"c x430 y2471 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">28,299<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y2471 w146 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">26,529<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2471 wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,572<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y2471 w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,513<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>33.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Profit be<span class=\"_ _0\"></span>fore ta<span class=\"_ _0\"></span>xati<span class=\"_ _0\"></span>on<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span><div class=\"t m0 h9 ff3 fs1 fc0 sc0 ls1 ws1 gs8ba\"> <span class=\"_ _24\"> </span><span class=\"ff1 ls7\">Other operating costs are ana<span class=\"_ _0\"></span>lysed as follow<span class=\"_ _0\"></span>s:<span class=\"ls1\"> </span></span></div><div class=\"gsb6\"><table class=\"s w27b h22c\" id=\"_4c6be617-04b7-4ff1-aaa5-e7b9b48dc6ce\"><tr><td></td><td class=\"c x4d3 y24c1 w1ab h18\"><div class=\"t m0 x46 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x40e y24c1 wc8 h18\"><div class=\"t m0 x11e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c2 w1ac h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c2 wa5 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c2 w1ad h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c2 w1ae h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c3 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c3 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c3 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c3 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c4 w1aa h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Forei<span class=\"_ _0\"></span>gn outbound mai<span class=\"_ _0\"></span>l<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c4 w1ac h1d\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,852<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c4 wa5 h1d\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,710<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c4 w1ad h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4d4 y24c4 w1ae h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24c5 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Utilities, ins<span class=\"_ _1\"></span>urance and<span class=\"_ _1\"></span> security<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c5 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,098<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c5 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,089<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c5 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">707<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c5 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">717<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c6 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Depos<span class=\"_ _1\"></span>itor a<span class=\"_ _1\"></span>nd in<span class=\"_ _1\"></span>vesto<span class=\"_ _1\"></span>r compens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> schemes<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c6 w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c6 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c6 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c6 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c7 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Infor<span class=\"_ _1\"></span>mation<span class=\"_ _1\"></span> sys<span class=\"_ _1\"></span>tems an<span class=\"_ _1\"></span>d teleco<span class=\"_ _1\"></span>mmunica<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c7 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,528<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c7 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,977<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c7 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,639<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c7 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,126<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c8 w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repair<span class=\"_ _0\"></span>s and mainte<span class=\"_ _0\"></span>nance<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c8 w1ac h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,302<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c8 wa5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,275<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c8 w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">421<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c8 w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">440<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c9 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Short<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">ter<span class=\"_ _1\"></span>m and<span class=\"_ _1\"></span> low va<span class=\"_ _1\"></span>lue leas<span class=\"_ _1\"></span>es</span></span><span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x4d3 y24c9 w1ac h18\"><div class=\"t m0 x69 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">714<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24c9 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c9 w1ad h18\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">116<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24c9 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">129<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ca w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Expen<span class=\"_ _1\"></span>ses a<span class=\"_ _1\"></span>ssocia<span class=\"_ _1\"></span>ted with<span class=\"_ _1\"></span> card s<span class=\"_ _1\"></span>ervices<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24ca w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24ca wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ca w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24ca w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cb w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws2a\">Licence fe<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cb w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">513<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cb wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">524<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cb w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">282<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cb w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">229<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cc w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Legal a<span class=\"_ _1\"></span>nd pr<span class=\"_ _1\"></span>ofessi<span class=\"_ _1\"></span>onal fees<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cc w1ac h17\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">741<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cc wa5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cc w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">495<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cc w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">590<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cd w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other a<span class=\"_ _1\"></span>dmini<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>ive exp<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cd w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,155<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cd wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,281<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cd w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,331<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cd w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,341<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ce w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Total other oper<span class=\"_ _0\"></span>ating costs<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4d3 y24ce w1ac h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">24,584<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24ce wa5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,431<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ce w1ad h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,672<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24ce w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,707<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>Other adm<span class=\"_ _0\"></span>inistrat<span class=\"_ _0\"></span>ive ex<span class=\"_ _0\"></span>penses m<span class=\"_ _0\"></span>ainly com<span class=\"_ _0\"></span>prise pr<span class=\"_ _0\"></span>ofessiona<span class=\"_ _11\"></span>l expenses, subcontra<span class=\"_ _0\"></span>cted <span class=\"_ _0\"></span>servic<span class=\"_ _0\"></span>es and othe<span class=\"_ _0\"></span>r service<span class=\"_ _0\"></span>s or expe<span class=\"_ _0\"></span>nse ite<span class=\"_ _0\"></span>ms which ar<span class=\"_ _0\"></span>e incur<span class=\"_ _0\"></span>red in the<span class=\"_ _0\"></span> course<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> operati<span class=\"_ _0\"></span>ons of the G<span class=\"_ _0\"></span>roup and the<span class=\"_ _0\"></span> Bank.<span class=\"_ _bc\"> </span>Fees c<span class=\"_ _0\"></span>harged by the pa<span class=\"_ _0\"></span>rent co<span class=\"_ _0\"></span>mpany auditor<span class=\"_ _0\"></span> for se<span class=\"_ _0\"></span>rvices r<span class=\"_ _0\"></span>endere<span class=\"_ _0\"></span>d during t<span class=\"_ _0\"></span>he fina<span class=\"_ _0\"></span>ncial years e<span class=\"_ _0\"></span>nded 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">a<span class=\"_ _1\"></span>nd 202</span>4 </span>r<span class=\"_ _1\"></span>elate t<span class=\"_ _1\"></span>o the fo<span class=\"_ _1\"></span>llowin<span class=\"_ _1\"></span>g:<span class=\"ls1 ws1\"> </span><table class=\"s w27c h22e\" id=\"_03a59aed-8333-451d-8e18-6ea944e3f834\"><tr><td></td><td></td><td class=\"c x4d5 y24d8 w14 h31\"><div class=\"t m0 xdf h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Other as<span class=\"_ _0\"></span>surance/<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4bd y24d8 w53 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Audit<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24d8 w14 h31\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">advi<span class=\"_ _0\"></span>sory s<span class=\"_ _0\"></span>ervi<span class=\"_ _0\"></span>ces<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4bd y24d9 w53 h17a\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d5 y24d9 w14 h17a\"><div class=\"t m0 x108 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24da w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Bank<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y24db w1af h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4bd y24db w53 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">1<span class=\"ls6 ws8\">21</span><span class=\"ffa\"> </span></div></td><td class=\"c x4d5 y24db w14 h18\"><div class=\"t m0 x1b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">14 </div></td></tr><tr><td class=\"c x402 y24dc w1af h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y24dc w53 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">108<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24dc w14 h17\"><div class=\"t m0 x55 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">158<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24dd w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Subsidiary c<span class=\"_ _0\"></span>ompanie<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y24de w1af h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y24de w53 h17\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">96<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24de w14 h17\"><div class=\"t m0 x1b h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24df w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y24df w53 h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24df w14 h18\"><div class=\"t m0 x1b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr></table>During the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt year<span class=\"_ _0\"></span>, fe<span class=\"_ _0\"></span>es amo<span class=\"_ _0\"></span>unting to \u20ac<span class=\"ls6 ws8\">77,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>(202<span class=\"ls1 ws1\">4<span class=\"ls7a ws16c\">: \u20ac</span></span>73<span class=\"lsb ws2c\">,0</span></span>00)<span class=\"_ _0\"></span> have bee<span class=\"_ _0\"></span>n charge<span class=\"_ _0\"></span>d to t<span class=\"_ _0\"></span>he Bank<span class=\"_ _0\"></span> by connect<span class=\"_ _0\"></span>ed undert<span class=\"_ _0\"></span>akings of <span class=\"_ _0\"></span>the B<span class=\"_ _0\"></span>ank\u2019s audi<span class=\"_ _0\"></span>tor, in<span class=\"_ _0\"></span> resp<span class=\"_ _0\"></span>ect of<span class=\"_ _0\"></span> reg<span class=\"_ _0\"></span>ulatory adviso<span class=\"_ _0\"></span>ry s<span class=\"_ _0\"></span>ervic<span class=\"_ _0\"></span>es<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span><span class=\"ls7 wse7\">and tax </span></span>compliance serv<span class=\"_ _1\"></span>ices<span class=\"ls1 ws1\">. </span>During the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt year,<span class=\"_ _0\"></span> fee<span class=\"_ _0\"></span>s amounting<span class=\"_ _0\"></span> to \u20ac<span class=\"ls6 ws8\">21,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws16d\">: \u20ac</span>7</span></span>,000) have<span class=\"_ _0\"></span> been c<span class=\"_ _0\"></span>harged t<span class=\"_ _0\"></span>o the subsi<span class=\"_ _0\"></span>diary<span class=\"_ _0\"></span> companie<span class=\"_ _0\"></span>s by connec<span class=\"_ _0\"></span>ted undertaki<span class=\"_ _0\"></span>ngs of the<span class=\"_ _0\"></span> subsidiarie<span class=\"_ _0\"></span>s\u2019 auditor,<span class=\"_ _0\"></span> in respe<span class=\"_ _0\"></span>ct of r<span class=\"_ _0\"></span>egulatory advi<span class=\"_ _0\"></span>sory<span class=\"_ _0\"></span> services, a<span class=\"_ _1\"></span>nd tax advis<span class=\"_ _1\"></span>ory and compliance s<span class=\"_ _1\"></span>ervices.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-41": {
   "value": "31.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Employ<span class=\"_ _0\"></span>ee compe<span class=\"_ _0\"></span>nsatio<span class=\"_ _0\"></span>n and be<span class=\"_ _0\"></span>nefits</span><table class=\"s w277 h225\" id=\"_4f49b3f3-5cc2-4139-bf80-335522b3dd3f\"><tr><td></td><td></td><td class=\"c x430 y246a w1a3 h18\"><div class=\"t m0 x110 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td class=\"c x3ff y246a w1a4 h18\"><div class=\"t m0 x13 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x430 y246b wd5 h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y246b w146 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246b wbc h18\"><div class=\"t m0 x26 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y246b w1a5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x430 y246c wd5 h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y246c w146 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246c wbc h18\"><div class=\"t m0 x35 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x401 y246c w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y246d w125 h17\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls24 ws71\">Staff cost<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y246e w125 h18\"><div class=\"t m0 x6d h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- w<span class=\"ls5 ws7\">ages<span class=\"_ _1\"></span><span class=\"lsb ws24\">, s</span></span><span class=\"ls7\">alaries and allowanc<span class=\"_ _11\"></span>es</span><span class=\"ls7\"><span class=\"ffb ls1\"> </span></span></div></td><td class=\"c x430 y246e wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">26,392<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y246e w146 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,731<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246e wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">8,<span class=\"ls6 ws8\">98</span>8<span class=\"ffa\"> </span></div></td><td class=\"c x401 y246e w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,002<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y246f w125 h152\"><div class=\"t m0 x6d h2d y179 ff11 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1\"> s<span class=\"ls6 ws7\">ocial security<span class=\"_ _1\"></span> costs</span></span><span class=\"ff1\"><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x430 y246f wd5 h152\"><div class=\"t m0 x35 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">1,832<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y246f w146 h152\"><div class=\"t m0 x22 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">1,798<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y246f wbc h152\"><div class=\"t m0 xd8 h15 y9bd ff3 fs1 fc0 sc0 ls6 ws8\">509<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y246f w1a5 h152\"><div class=\"t m0 xd8 h3 y9bd ff1 fs1 fc0 sc0 ls6 ws8\">511<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2470 w125 h153\"><div class=\"t m0 x6d h2d y338 ff11 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ff9\"> <span class=\"_ _9b\"></span><span class=\"ff1\"> <span class=\"ls5 ws7\">others</span></span><span class=\"ff1\"><span class=\"ls5 ws7\"><span class=\"_ _1\"></span></span><span class=\"ffb\"> </span></span></span></div></td><td class=\"c x430 y2470 wd5 h153\"><div class=\"t m0 x69 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y2470 w146 h153\"><div class=\"t m0 x6b h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x3ff y2470 wbc h153\"><div class=\"t m0 x69 h15 y8eb ff3 fs1 fc0 sc0 ls6 ws8\">75<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y2470 w1a5 h153\"><div class=\"t m0 x37 h3 y8eb ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td></td><td class=\"c x430 y2471 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">28,299<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y2471 w146 h18\"><div class=\"t m0 x90 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">26,529<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x3ff y2471 wbc h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,572<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x401 y2471 w1a5 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">9,513<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-471": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs7e2\">33.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Profit be<span class=\"_ _0\"></span>fore ta<span class=\"_ _0\"></span>xati<span class=\"_ _0\"></span>on<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs8c0\">Fees c<span class=\"_ _0\"></span>harged by the pa<span class=\"_ _0\"></span>rent co<span class=\"_ _0\"></span>mpany auditor<span class=\"_ _0\"></span> for se<span class=\"_ _0\"></span>rvices r<span class=\"_ _0\"></span>endere<span class=\"_ _0\"></span>d during t<span class=\"_ _0\"></span>he fina<span class=\"_ _0\"></span>ncial years e<span class=\"_ _0\"></span>nded 31 </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs8c1\">Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">a<span class=\"_ _1\"></span>nd 202</span>4 </span>r<span class=\"_ _1\"></span>elate t<span class=\"_ _1\"></span>o the fo<span class=\"_ _1\"></span>llowin<span class=\"_ _1\"></span>g:<span class=\"ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w27c h22e\" id=\"_03a59aed-8333-451d-8e18-6ea944e3f834\"><tr><td></td><td></td><td class=\"c x4d5 y24d8 w14 h31\"><div class=\"t m0 xdf h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Other as<span class=\"_ _0\"></span>surance/<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4bd y24d8 w53 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Audit<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24d8 w14 h31\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">advi<span class=\"_ _0\"></span>sory s<span class=\"_ _0\"></span>ervi<span class=\"_ _0\"></span>ces<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4bd y24d9 w53 h17a\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d5 y24d9 w14 h17a\"><div class=\"t m0 x108 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24da w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Bank<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y24db w1af h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4bd y24db w53 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">1<span class=\"ls6 ws8\">21</span><span class=\"ffa\"> </span></div></td><td class=\"c x4d5 y24db w14 h18\"><div class=\"t m0 x1b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">14 </div></td></tr><tr><td class=\"c x402 y24dc w1af h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y24dc w53 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">108<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24dc w14 h17\"><div class=\"t m0 x55 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">158<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24dd w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Subsidiary c<span class=\"_ _0\"></span>ompanie<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y24de w1af h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y24de w53 h17\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">96<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24de w14 h17\"><div class=\"t m0 x1b h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24df w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y24df w53 h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24df w14 h18\"><div class=\"t m0 x1b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws17 gs8c4\">During the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt year<span class=\"_ _0\"></span>, fe<span class=\"_ _0\"></span>es amo<span class=\"_ _0\"></span>unting to \u20ac<span class=\"ls6 ws8\">77,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>(202<span class=\"ls1 ws1\">4<span class=\"ls7a ws16c\">: \u20ac</span></span>73<span class=\"lsb ws2c\">,0</span></span>00)<span class=\"_ _0\"></span> have bee<span class=\"_ _0\"></span>n charge<span class=\"_ _0\"></span>d to t<span class=\"_ _0\"></span>he Bank<span class=\"_ _0\"></span> by </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsed gs8c5\">connect<span class=\"_ _0\"></span>ed undert<span class=\"_ _0\"></span>akings of <span class=\"_ _0\"></span>the B<span class=\"_ _0\"></span>ank\u2019s audi<span class=\"_ _0\"></span>tor, in<span class=\"_ _0\"></span> resp<span class=\"_ _0\"></span>ect of<span class=\"_ _0\"></span> reg<span class=\"_ _0\"></span>ulatory adviso<span class=\"_ _0\"></span>ry s<span class=\"_ _0\"></span>ervic<span class=\"_ _0\"></span>es<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span><span class=\"ls7 wse7\">and tax </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs8c6\">compliance serv<span class=\"_ _1\"></span>ices<span class=\"ls1 ws1\">. </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs8c7\">During the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt year,<span class=\"_ _0\"></span> fee<span class=\"_ _0\"></span>s amounting<span class=\"_ _0\"></span> to \u20ac<span class=\"ls6 ws8\">21,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws16d\">: \u20ac</span>7</span></span>,000) have<span class=\"_ _0\"></span> been c<span class=\"_ _0\"></span>harged t<span class=\"_ _0\"></span>o the subsi<span class=\"_ _0\"></span>diary<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws7a gs8c8\">companie<span class=\"_ _0\"></span>s by connec<span class=\"_ _0\"></span>ted undertaki<span class=\"_ _0\"></span>ngs of the<span class=\"_ _0\"></span> subsidiarie<span class=\"_ _0\"></span>s\u2019 auditor,<span class=\"_ _0\"></span> in respe<span class=\"_ _0\"></span>ct of r<span class=\"_ _0\"></span>egulatory advi<span class=\"_ _0\"></span>sory<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs8c9\">services, a<span class=\"_ _1\"></span>nd tax advis<span class=\"_ _1\"></span>ory and compliance s<span class=\"_ _1\"></span>ervices.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-506": {
   "value": "33.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Profit be<span class=\"_ _0\"></span>fore ta<span class=\"_ _0\"></span>xati<span class=\"_ _0\"></span>on<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span> <span class=\"_ _24\"> </span><span class=\"ff1 ls6 ws7\">Profit befor<span class=\"_ _1\"></span>e taxation<span class=\"_ _1\"></span> is stated after cha<span class=\"_ _1\"></span>rging and cred<span class=\"_ _1\"></span>iting the following<span class=\"_ _1\"></span>:</span><div class=\"gsb6\"><table class=\"s w260 h22d\" id=\"_4df5f9fa-ecd5-4a7c-843c-f93bf12333cf\"><tr><td></td><td class=\"c x48e y24cf wd2 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x48f y24cf wd1 h18\"><div class=\"t m0 x8f h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24d0 wd5 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x42f y24d0 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d0 wbc h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y24d0 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24d1 wd5 h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24d1 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d1 wbc h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24d1 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24d2 w1a9 h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">After c<span class=\"_ _0\"></span>hargi<span class=\"_ _0\"></span>ng<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24d3 w1a9 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Directo<span class=\"_ _1\"></span>rs' emo<span class=\"_ _1\"></span>lumen<span class=\"_ _1\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24d4 w1a9 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> - <span class=\"ls5 ws7\">fees</span><span class=\"ffb\"> </span></div></td><td class=\"c x48e y24d4 wd5 h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">161<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24d4 wd5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">148<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d4 wbc h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">135<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24d4 wd5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">102<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24d5 w1a9 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> - <span class=\"ls5 ws6\">other<span class=\"_ _1\"></span> emolu<span class=\"_ _1\"></span>ments</span><span class=\"ffb\"> </span></div></td><td class=\"c x48e y24d5 wd5 h18\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">381<span class=\"_ _bc\"> </span></div></td><td class=\"c x42f y24d5 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">368<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d5 wbc h18\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">381<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y24d5 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">368<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24d6 w1a9 h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">After crediting<span class=\"ffb ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24d7 w1a9 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Net in<span class=\"_ _1\"></span>come fro<span class=\"_ _1\"></span>m inves<span class=\"_ _1\"></span>tment <span class=\"_ _1\"></span>serv<span class=\"_ _1\"></span>ices<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24d7 wd5 h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">555<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24d7 wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">429<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d7 wbc h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">555<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24d7 wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">429<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>Other operating costs are ana<span class=\"_ _0\"></span>lysed as follow<span class=\"_ _0\"></span>s:<span class=\"ls1\"> </span><table class=\"s w27b h22c\" id=\"_4c6be617-04b7-4ff1-aaa5-e7b9b48dc6ce\"><tr><td></td><td class=\"c x4d3 y24c1 w1ab h18\"><div class=\"t m0 x46 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x40e y24c1 wc8 h18\"><div class=\"t m0 x11e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c2 w1ac h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c2 wa5 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c2 w1ad h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c2 w1ae h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c3 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c3 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c3 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c3 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c4 w1aa h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Forei<span class=\"_ _0\"></span>gn outbound mai<span class=\"_ _0\"></span>l<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c4 w1ac h1d\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,852<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c4 wa5 h1d\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,710<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c4 w1ad h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4d4 y24c4 w1ae h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24c5 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Utilities, ins<span class=\"_ _1\"></span>urance and<span class=\"_ _1\"></span> security<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c5 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,098<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c5 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,089<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c5 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">707<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c5 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">717<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c6 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Depos<span class=\"_ _1\"></span>itor a<span class=\"_ _1\"></span>nd in<span class=\"_ _1\"></span>vesto<span class=\"_ _1\"></span>r compens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> schemes<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c6 w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c6 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c6 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c6 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c7 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Infor<span class=\"_ _1\"></span>mation<span class=\"_ _1\"></span> sys<span class=\"_ _1\"></span>tems an<span class=\"_ _1\"></span>d teleco<span class=\"_ _1\"></span>mmunica<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c7 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,528<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c7 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,977<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c7 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,639<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c7 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,126<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c8 w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repair<span class=\"_ _0\"></span>s and mainte<span class=\"_ _0\"></span>nance<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c8 w1ac h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,302<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c8 wa5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,275<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c8 w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">421<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c8 w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">440<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c9 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Short<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">ter<span class=\"_ _1\"></span>m and<span class=\"_ _1\"></span> low va<span class=\"_ _1\"></span>lue leas<span class=\"_ _1\"></span>es</span></span><span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x4d3 y24c9 w1ac h18\"><div class=\"t m0 x69 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">714<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24c9 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c9 w1ad h18\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">116<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24c9 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">129<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ca w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Expen<span class=\"_ _1\"></span>ses a<span class=\"_ _1\"></span>ssocia<span class=\"_ _1\"></span>ted with<span class=\"_ _1\"></span> card s<span class=\"_ _1\"></span>ervices<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24ca w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24ca wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ca w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24ca w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cb w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws2a\">Licence fe<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cb w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">513<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cb wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">524<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cb w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">282<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cb w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">229<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cc w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Legal a<span class=\"_ _1\"></span>nd pr<span class=\"_ _1\"></span>ofessi<span class=\"_ _1\"></span>onal fees<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cc w1ac h17\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">741<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cc wa5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cc w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">495<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cc w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">590<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cd w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other a<span class=\"_ _1\"></span>dmini<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>ive exp<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cd w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,155<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cd wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,281<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cd w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,331<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cd w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,341<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ce w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Total other oper<span class=\"_ _0\"></span>ating costs<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4d3 y24ce w1ac h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">24,584<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24ce wa5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,431<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ce w1ad h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,672<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24ce w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,707<span class=\"ls1 ws1\"> </span></div></td></tr></table>Other adm<span class=\"_ _0\"></span>inistrat<span class=\"_ _0\"></span>ive ex<span class=\"_ _0\"></span>penses m<span class=\"_ _0\"></span>ainly com<span class=\"_ _0\"></span>prise pr<span class=\"_ _0\"></span>ofessiona<span class=\"_ _11\"></span>l expenses, subcontra<span class=\"_ _0\"></span>cted <span class=\"_ _0\"></span>servic<span class=\"_ _0\"></span>es and othe<span class=\"_ _0\"></span>r service<span class=\"_ _0\"></span>s or expe<span class=\"_ _0\"></span>nse ite<span class=\"_ _0\"></span>ms which ar<span class=\"_ _0\"></span>e incur<span class=\"_ _0\"></span>red in the<span class=\"_ _0\"></span> course<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> operati<span class=\"_ _0\"></span>ons of the G<span class=\"_ _0\"></span>roup and the<span class=\"_ _0\"></span> Bank.<span class=\"_ _bc\"> </span>Fees c<span class=\"_ _0\"></span>harged by the pa<span class=\"_ _0\"></span>rent co<span class=\"_ _0\"></span>mpany auditor<span class=\"_ _0\"></span> for se<span class=\"_ _0\"></span>rvices r<span class=\"_ _0\"></span>endere<span class=\"_ _0\"></span>d during t<span class=\"_ _0\"></span>he fina<span class=\"_ _0\"></span>ncial years e<span class=\"_ _0\"></span>nded 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">a<span class=\"_ _1\"></span>nd 202</span>4 </span>r<span class=\"_ _1\"></span>elate t<span class=\"_ _1\"></span>o the fo<span class=\"_ _1\"></span>llowin<span class=\"_ _1\"></span>g:<span class=\"ls1 ws1\"> </span><table class=\"s w27c h22e\" id=\"_03a59aed-8333-451d-8e18-6ea944e3f834\"><tr><td></td><td></td><td class=\"c x4d5 y24d8 w14 h31\"><div class=\"t m0 xdf h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Other as<span class=\"_ _0\"></span>surance/<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4bd y24d8 w53 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Audit<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24d8 w14 h31\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">advi<span class=\"_ _0\"></span>sory s<span class=\"_ _0\"></span>ervi<span class=\"_ _0\"></span>ces<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4bd y24d9 w53 h17a\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d5 y24d9 w14 h17a\"><div class=\"t m0 x108 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24da w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Bank<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y24db w1af h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4bd y24db w53 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">1<span class=\"ls6 ws8\">21</span><span class=\"ffa\"> </span></div></td><td class=\"c x4d5 y24db w14 h18\"><div class=\"t m0 x1b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">14 </div></td></tr><tr><td class=\"c x402 y24dc w1af h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y24dc w53 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">108<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24dc w14 h17\"><div class=\"t m0 x55 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">158<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24dd w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Subsidiary c<span class=\"_ _0\"></span>ompanie<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y24de w1af h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y24de w53 h17\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">96<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24de w14 h17\"><div class=\"t m0 x1b h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24df w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y24df w53 h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24df w14 h18\"><div class=\"t m0 x1b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr></table>During the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt year<span class=\"_ _0\"></span>, fe<span class=\"_ _0\"></span>es amo<span class=\"_ _0\"></span>unting to \u20ac<span class=\"ls6 ws8\">77,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>(202<span class=\"ls1 ws1\">4<span class=\"ls7a ws16c\">: \u20ac</span></span>73<span class=\"lsb ws2c\">,0</span></span>00)<span class=\"_ _0\"></span> have bee<span class=\"_ _0\"></span>n charge<span class=\"_ _0\"></span>d to t<span class=\"_ _0\"></span>he Bank<span class=\"_ _0\"></span> by connect<span class=\"_ _0\"></span>ed undert<span class=\"_ _0\"></span>akings of <span class=\"_ _0\"></span>the B<span class=\"_ _0\"></span>ank\u2019s audi<span class=\"_ _0\"></span>tor, in<span class=\"_ _0\"></span> resp<span class=\"_ _0\"></span>ect of<span class=\"_ _0\"></span> reg<span class=\"_ _0\"></span>ulatory adviso<span class=\"_ _0\"></span>ry s<span class=\"_ _0\"></span>ervic<span class=\"_ _0\"></span>es<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span><span class=\"ls7 wse7\">and tax </span></span>compliance serv<span class=\"_ _1\"></span>ices<span class=\"ls1 ws1\">. </span>During the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt year,<span class=\"_ _0\"></span> fee<span class=\"_ _0\"></span>s amounting<span class=\"_ _0\"></span> to \u20ac<span class=\"ls6 ws8\">21,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws16d\">: \u20ac</span>7</span></span>,000) have<span class=\"_ _0\"></span> been c<span class=\"_ _0\"></span>harged t<span class=\"_ _0\"></span>o the subsi<span class=\"_ _0\"></span>diary<span class=\"_ _0\"></span> companie<span class=\"_ _0\"></span>s by connec<span class=\"_ _0\"></span>ted undertaki<span class=\"_ _0\"></span>ngs of the<span class=\"_ _0\"></span> subsidiarie<span class=\"_ _0\"></span>s\u2019 auditor,<span class=\"_ _0\"></span> in respe<span class=\"_ _0\"></span>ct of r<span class=\"_ _0\"></span>egulatory advi<span class=\"_ _0\"></span>sory<span class=\"_ _0\"></span> services, a<span class=\"_ _1\"></span>nd tax advis<span class=\"_ _1\"></span>ory and compliance s<span class=\"_ _1\"></span>ervices.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-516": {
   "value": "33.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Profit be<span class=\"_ _0\"></span>fore ta<span class=\"_ _0\"></span>xati<span class=\"_ _0\"></span>on<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span>Other operating costs are ana<span class=\"_ _0\"></span>lysed as follow<span class=\"_ _0\"></span>s:<span class=\"ls1\"> </span><table class=\"s w27b h22c\" id=\"_4c6be617-04b7-4ff1-aaa5-e7b9b48dc6ce\"><tr><td></td><td class=\"c x4d3 y24c1 w1ab h18\"><div class=\"t m0 x46 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x40e y24c1 wc8 h18\"><div class=\"t m0 x11e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c2 w1ac h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c2 wa5 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c2 w1ad h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c2 w1ae h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c3 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c3 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c3 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c3 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c4 w1aa h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Forei<span class=\"_ _0\"></span>gn outbound mai<span class=\"_ _0\"></span>l<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c4 w1ac h1d\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,852<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c4 wa5 h1d\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,710<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c4 w1ad h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4d4 y24c4 w1ae h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24c5 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Utilities, ins<span class=\"_ _1\"></span>urance and<span class=\"_ _1\"></span> security<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c5 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,098<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c5 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,089<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c5 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">707<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c5 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">717<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c6 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Depos<span class=\"_ _1\"></span>itor a<span class=\"_ _1\"></span>nd in<span class=\"_ _1\"></span>vesto<span class=\"_ _1\"></span>r compens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> schemes<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c6 w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c6 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c6 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c6 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c7 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Infor<span class=\"_ _1\"></span>mation<span class=\"_ _1\"></span> sys<span class=\"_ _1\"></span>tems an<span class=\"_ _1\"></span>d teleco<span class=\"_ _1\"></span>mmunica<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c7 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,528<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c7 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,977<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c7 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,639<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c7 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,126<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c8 w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repair<span class=\"_ _0\"></span>s and mainte<span class=\"_ _0\"></span>nance<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c8 w1ac h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,302<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c8 wa5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,275<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c8 w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">421<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c8 w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">440<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c9 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Short<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">ter<span class=\"_ _1\"></span>m and<span class=\"_ _1\"></span> low va<span class=\"_ _1\"></span>lue leas<span class=\"_ _1\"></span>es</span></span><span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x4d3 y24c9 w1ac h18\"><div class=\"t m0 x69 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">714<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24c9 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c9 w1ad h18\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">116<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24c9 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">129<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ca w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Expen<span class=\"_ _1\"></span>ses a<span class=\"_ _1\"></span>ssocia<span class=\"_ _1\"></span>ted with<span class=\"_ _1\"></span> card s<span class=\"_ _1\"></span>ervices<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24ca w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24ca wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ca w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24ca w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cb w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws2a\">Licence fe<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cb w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">513<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cb wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">524<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cb w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">282<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cb w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">229<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cc w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Legal a<span class=\"_ _1\"></span>nd pr<span class=\"_ _1\"></span>ofessi<span class=\"_ _1\"></span>onal fees<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cc w1ac h17\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">741<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cc wa5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cc w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">495<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cc w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">590<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cd w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other a<span class=\"_ _1\"></span>dmini<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>ive exp<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cd w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,155<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cd wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,281<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cd w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,331<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cd w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,341<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ce w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Total other oper<span class=\"_ _0\"></span>ating costs<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4d3 y24ce w1ac h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">24,584<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24ce wa5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,431<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ce w1ad h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,672<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24ce w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,707<span class=\"ls1 ws1\"> </span></div></td></tr></table><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8bd\">Other adm<span class=\"_ _0\"></span>inistrat<span class=\"_ _0\"></span>ive ex<span class=\"_ _0\"></span>penses m<span class=\"_ _0\"></span>ainly com<span class=\"_ _0\"></span>prise pr<span class=\"_ _0\"></span>ofessiona<span class=\"_ _11\"></span>l expenses, subcontra<span class=\"_ _0\"></span>cted <span class=\"_ _0\"></span>servic<span class=\"_ _0\"></span>es and othe<span class=\"_ _0\"></span>r </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8be\">service<span class=\"_ _0\"></span>s or expe<span class=\"_ _0\"></span>nse ite<span class=\"_ _0\"></span>ms which ar<span class=\"_ _0\"></span>e incur<span class=\"_ _0\"></span>red in the<span class=\"_ _0\"></span> course<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> operati<span class=\"_ _0\"></span>ons of the G<span class=\"_ _0\"></span>roup and the<span class=\"_ _0\"></span> Bank.<span class=\"_ _bc\"> </span><span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-532": {
   "value": "33.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Profit be<span class=\"_ _0\"></span>fore ta<span class=\"_ _0\"></span>xati<span class=\"_ _0\"></span>on<span class=\"_ _bc\"> </span></span><span class=\"ws3\"><span class=\"fs2 ls1 ws1\"> </span></span> <span class=\"_ _24\"> </span><span class=\"ff1 ls6 ws7\">Profit befor<span class=\"_ _1\"></span>e taxation<span class=\"_ _1\"></span> is stated after cha<span class=\"_ _1\"></span>rging and cred<span class=\"_ _1\"></span>iting the following<span class=\"_ _1\"></span>:</span><span class=\"ff1\"> </span><table class=\"s w260 h22d\" id=\"_4df5f9fa-ecd5-4a7c-843c-f93bf12333cf\"><tr><td></td><td class=\"c x48e y24cf wd2 h18\"><div class=\"t m0 x37 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x48f y24cf wd1 h18\"><div class=\"t m0 x8f h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24d0 wd5 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x42f y24d0 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d0 wbc h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y24d0 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y24d1 wd5 h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24d1 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d1 wbc h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24d1 wd5 h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24d2 w1a9 h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">After c<span class=\"_ _0\"></span>hargi<span class=\"_ _0\"></span>ng<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24d3 w1a9 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Directo<span class=\"_ _1\"></span>rs' emo<span class=\"_ _1\"></span>lumen<span class=\"_ _1\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24d4 w1a9 h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> - <span class=\"ls5 ws7\">fees</span><span class=\"ffb\"> </span></div></td><td class=\"c x48e y24d4 wd5 h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">161<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24d4 wd5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">148<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d4 wbc h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">135<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24d4 wd5 h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">102<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24d5 w1a9 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\"> - <span class=\"ls5 ws6\">other<span class=\"_ _1\"></span> emolu<span class=\"_ _1\"></span>ments</span><span class=\"ffb\"> </span></div></td><td class=\"c x48e y24d5 wd5 h18\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">381<span class=\"_ _bc\"> </span></div></td><td class=\"c x42f y24d5 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">368<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d5 wbc h18\"><div class=\"t m0 xd8 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">381<span class=\"_ _bc\"> </span></div></td><td class=\"c x490 y24d5 wd5 h18\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">368<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24d6 w1a9 h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">After crediting<span class=\"ffb ls1\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x402 y24d7 w1a9 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Net in<span class=\"_ _1\"></span>come fro<span class=\"_ _1\"></span>m inves<span class=\"_ _1\"></span>tment <span class=\"_ _1\"></span>serv<span class=\"_ _1\"></span>ices<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y24d7 wd5 h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">555<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x42f y24d7 wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">429<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y24d7 wbc h1d\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">555<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y24d7 wd5 h1d\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">429<span class=\"ls1 ws1\"> </span></div></td></tr></table>Other operating costs are ana<span class=\"_ _0\"></span>lysed as follow<span class=\"_ _0\"></span>s:<table class=\"s w27b h22c\" id=\"_4c6be617-04b7-4ff1-aaa5-e7b9b48dc6ce\"><tr><td></td><td class=\"c x4d3 y24c1 w1ab h18\"><div class=\"t m0 x46 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ffa ls1 ws1\"> </span></div></td><td></td><td></td><td class=\"c x40e y24c1 wc8 h18\"><div class=\"t m0 x11e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Bank<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c2 w1ac h17\"><div class=\"t m0 xd8 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c2 wa5 h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c2 w1ad h17\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c2 w1ae h17\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d3 y24c3 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c3 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c3 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c3 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c4 w1aa h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Forei<span class=\"_ _0\"></span>gn outbound mai<span class=\"_ _0\"></span>l<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c4 w1ac h1d\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,852<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c4 wa5 h1d\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">10,710<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c4 w1ad h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4d4 y24c4 w1ae h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y24c5 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Utilities, ins<span class=\"_ _1\"></span>urance and<span class=\"_ _1\"></span> security<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c5 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,098<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c5 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,089<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c5 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">707<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c5 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">717<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c6 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Depos<span class=\"_ _1\"></span>itor a<span class=\"_ _1\"></span>nd in<span class=\"_ _1\"></span>vesto<span class=\"_ _1\"></span>r compens<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> schemes<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c6 w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c6 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c6 w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">624<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c6 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">593<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c7 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Infor<span class=\"_ _1\"></span>mation<span class=\"_ _1\"></span> sys<span class=\"_ _1\"></span>tems an<span class=\"_ _1\"></span>d teleco<span class=\"_ _1\"></span>mmunica<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c7 w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,528<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c7 wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,977<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c7 w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,639<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c7 w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,126<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c8 w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Repair<span class=\"_ _0\"></span>s and mainte<span class=\"_ _0\"></span>nance<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24c8 w1ac h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,302<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24c8 wa5 h17\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,275<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c8 w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">421<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24c8 w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">440<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24c9 w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Short<span class=\"ls1 ws1\">-<span class=\"ls5 ws6\">ter<span class=\"_ _1\"></span>m and<span class=\"_ _1\"></span> low va<span class=\"_ _1\"></span>lue leas<span class=\"_ _1\"></span>es</span></span><span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x4d3 y24c9 w1ac h18\"><div class=\"t m0 x69 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">714<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24c9 wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24c9 w1ad h18\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">116<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24c9 w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">129<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ca w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Expen<span class=\"_ _1\"></span>ses a<span class=\"_ _1\"></span>ssocia<span class=\"_ _1\"></span>ted with<span class=\"_ _1\"></span> card s<span class=\"_ _1\"></span>ervices<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24ca w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24ca wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ca w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">1,057<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24ca w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,542<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cb w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws2a\">Licence fe<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cb w1ac h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">513<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cb wa5 h18\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">524<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cb w1ad h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">282<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cb w1ae h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">229<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cc w1aa h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Legal a<span class=\"_ _1\"></span>nd pr<span class=\"_ _1\"></span>ofessi<span class=\"_ _1\"></span>onal fees<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cc w1ac h17\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">741<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cc wa5 h17\"><div class=\"t m0 x49 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">720<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cc w1ad h17\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">495<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cc w1ae h17\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">590<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24cd w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Other a<span class=\"_ _1\"></span>dmini<span class=\"_ _1\"></span>strat<span class=\"_ _1\"></span>ive exp<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d3 y24cd w1ac h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">5,155<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x48d y24cd wa5 h18\"><div class=\"t m0 x26 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">4,281<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24cd w1ad h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,331<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d4 y24cd w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,341<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24ce w1aa h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Total other oper<span class=\"_ _0\"></span>ating costs<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4d3 y24ce w1ac h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">24,584<span class=\"_ _bc\"> </span></div></td><td class=\"c x48d y24ce wa5 h18\"><div class=\"t m0 x1d h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">24,431<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x40e y24ce w1ad h18\"><div class=\"t m0 x22 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">9,672<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d4 y24ce w1ae h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">8,707<span class=\"ls1 ws1\"> </span></div></td></tr></table>Other adm<span class=\"_ _0\"></span>inistrat<span class=\"_ _0\"></span>ive ex<span class=\"_ _0\"></span>penses m<span class=\"_ _0\"></span>ainly com<span class=\"_ _0\"></span>prise pr<span class=\"_ _0\"></span>ofessiona<span class=\"_ _11\"></span>l expenses, subcontra<span class=\"_ _0\"></span>cted <span class=\"_ _0\"></span>servic<span class=\"_ _0\"></span>es and othe<span class=\"_ _0\"></span>r service<span class=\"_ _0\"></span>s or expe<span class=\"_ _0\"></span>nse ite<span class=\"_ _0\"></span>ms which ar<span class=\"_ _0\"></span>e incur<span class=\"_ _0\"></span>red in the<span class=\"_ _0\"></span> course<span class=\"_ _0\"></span> of the<span class=\"_ _0\"></span> operati<span class=\"_ _0\"></span>ons of the G<span class=\"_ _0\"></span>roup and the<span class=\"_ _0\"></span> Bank.<span class=\"_ _bc\"> </span>Fees c<span class=\"_ _0\"></span>harged by the pa<span class=\"_ _0\"></span>rent co<span class=\"_ _0\"></span>mpany auditor<span class=\"_ _0\"></span> for se<span class=\"_ _0\"></span>rvices r<span class=\"_ _0\"></span>endere<span class=\"_ _0\"></span>d during t<span class=\"_ _0\"></span>he fina<span class=\"_ _0\"></span>ncial years e<span class=\"_ _0\"></span>nded 31 Decemb<span class=\"_ _1\"></span>er 202<span class=\"ls1 ws1\">5 <span class=\"ls6 ws7\">a<span class=\"_ _1\"></span>nd 202</span>4 </span>r<span class=\"_ _1\"></span>elate t<span class=\"_ _1\"></span>o the fo<span class=\"_ _1\"></span>llowin<span class=\"_ _1\"></span>g:<span class=\"ls1 ws1\"> </span><table class=\"s w27c h22e\" id=\"_03a59aed-8333-451d-8e18-6ea944e3f834\"><tr><td></td><td></td><td class=\"c x4d5 y24d8 w14 h31\"><div class=\"t m0 xdf h9 y3a3 ff3 fs1 fc0 sc0 ls20 ws4e\">Other as<span class=\"_ _0\"></span>surance/<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4bd y24d8 w53 h31\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Audit<span class=\"_ _0\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24d8 w14 h31\"><div class=\"t m0 xe1 h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">advi<span class=\"_ _0\"></span>sory s<span class=\"_ _0\"></span>ervi<span class=\"_ _0\"></span>ces<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4bd y24d9 w53 h17a\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d5 y24d9 w14 h17a\"><div class=\"t m0 x108 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24da w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsd ws44\">Bank<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y24db w1af h18\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">202<span class=\"ls1 ws1\">5</span><span class=\"ls1 ws1\"><span class=\"ffa\"> </span></span></div></td><td class=\"c x4bd y24db w53 h18\"><div class=\"t m0 x69 h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">1<span class=\"ls6 ws8\">21</span><span class=\"ffa\"> </span></div></td><td class=\"c x4d5 y24db w14 h18\"><div class=\"t m0 x1b h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">14 </div></td></tr><tr><td class=\"c x402 y24dc w1af h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y24dc w53 h17\"><div class=\"t m0 x69 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">108<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24dc w14 h17\"><div class=\"t m0 x55 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">158<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24dd w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Subsidiary c<span class=\"_ _0\"></span>ompanie<span class=\"_ _0\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x402 y24de w1af h17\"><div class=\"t m0 xd h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4bd y24de w53 h17\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">96<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24de w14 h17\"><div class=\"t m0 x1b h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y24df w1af h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4bd y24df w53 h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">86<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d5 y24df w14 h18\"><div class=\"t m0 x1b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr></table>During the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt year<span class=\"_ _0\"></span>, fe<span class=\"_ _0\"></span>es amo<span class=\"_ _0\"></span>unting to \u20ac<span class=\"ls6 ws8\">77,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>(202<span class=\"ls1 ws1\">4<span class=\"ls7a ws16c\">: \u20ac</span></span>73<span class=\"lsb ws2c\">,0</span></span>00)<span class=\"_ _0\"></span> have bee<span class=\"_ _0\"></span>n charge<span class=\"_ _0\"></span>d to t<span class=\"_ _0\"></span>he Bank<span class=\"_ _0\"></span> by connect<span class=\"_ _0\"></span>ed undert<span class=\"_ _0\"></span>akings of <span class=\"_ _0\"></span>the B<span class=\"_ _0\"></span>ank\u2019s audi<span class=\"_ _0\"></span>tor, in<span class=\"_ _0\"></span> resp<span class=\"_ _0\"></span>ect of<span class=\"_ _0\"></span> reg<span class=\"_ _0\"></span>ulatory adviso<span class=\"_ _0\"></span>ry s<span class=\"_ _0\"></span>ervic<span class=\"_ _0\"></span>es<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span><span class=\"ls7 wse7\">and tax </span></span>compliance serv<span class=\"_ _1\"></span>ices<span class=\"ls1 ws1\">. </span>During the<span class=\"_ _0\"></span> curre<span class=\"_ _0\"></span>nt year,<span class=\"_ _0\"></span> fee<span class=\"_ _0\"></span>s amounting<span class=\"_ _0\"></span> to \u20ac<span class=\"ls6 ws8\">21,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span></span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws16d\">: \u20ac</span>7</span></span>,000) have<span class=\"_ _0\"></span> been c<span class=\"_ _0\"></span>harged t<span class=\"_ _0\"></span>o the subsi<span class=\"_ _0\"></span>diary<span class=\"_ _0\"></span> companie<span class=\"_ _0\"></span>s by connec<span class=\"_ _0\"></span>ted undertaki<span class=\"_ _0\"></span>ngs of the<span class=\"_ _0\"></span> subsidiarie<span class=\"_ _0\"></span>s\u2019 auditor,<span class=\"_ _0\"></span> in respe<span class=\"_ _0\"></span>ct of r<span class=\"_ _0\"></span>egulatory advi<span class=\"_ _0\"></span>sory<span class=\"_ _0\"></span> services, a<span class=\"_ _1\"></span>nd tax advis<span class=\"_ _1\"></span>ory and compliance s<span class=\"_ _1\"></span>ervices.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-472": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs8d2\">35.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws16e\">Earnings<span class=\"_ _0\"></span> per share<span class=\"_ _bc\"> </span></span><span class=\"ws16e\"><span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"gsb6\"><table class=\"s w27e h231\" id=\"_bcfc4843-37b6-455b-a17d-c8cb09f2094f\"><tr><td></td><td></td><td class=\"c x4d6 y24f6 w1b6 h18\"><div class=\"t m0 x152 h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Group<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4d6 y24f7 w11e h17\"><div class=\"t m0 x49 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d7 y24f7 w5a h17\"><div class=\"t m0 xd8 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y24f8 w1b5 h181\"><div class=\"t m0 xd h3 y17a3 ff1 fs1 fc0 sc0 ls8 wsa\">Net prof<span class=\"_ _0\"></span>it attri<span class=\"_ _0\"></span>butable to e<span class=\"_ _0\"></span>quity holde<span class=\"_ _0\"></span>rs of the<span class=\"_ _0\"></span> Bank (\u20ac<span class=\"_ _0\"></span> 000)<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d6 y24f8 w11e h181\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15,382<span class=\"_ _bc\"> </span></div></td><td class=\"c x4d7 y24f8 w5a h181\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">11,293<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y24f9 w1b5 h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Weight<span class=\"_ _0\"></span>ed avera<span class=\"_ _0\"></span>ge num<span class=\"_ _0\"></span>ber of ordinary share<span class=\"_ _0\"></span>s in i<span class=\"_ _0\"></span>ssue<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d6 y24f9 w11e h1d\"><div class=\"t m0 x84 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">154,272,263<span class=\"_ _1\"></span><span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d7 y24f9 w5a h1d\"><div class=\"t m0 x84 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">154,572,263<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x31e y24fa w1b5 h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws44\">Earnings per share<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4d6 y24fa w11e h18\"><div class=\"t m0 x4f h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">\u20ac0.10<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4d7 y24fa w5a h18\"><div class=\"t m0 x4f h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">\u20ac0.07<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3a gs8d5\">Earnings per<span class=\"_ _0\"></span> share is base<span class=\"_ _0\"></span>d on the ne<span class=\"_ _0\"></span>t profi<span class=\"_ _0\"></span>t for the year divide<span class=\"_ _0\"></span>d by the we<span class=\"_ _0\"></span>ighted ave<span class=\"_ _0\"></span>rage numbe<span class=\"_ _0\"></span>r of </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8d6\">ordinary share<span class=\"_ _0\"></span>s in i<span class=\"_ _0\"></span>ssue duri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws1b gs8d7\">The B<span class=\"_ _0\"></span>ank has no instrum<span class=\"_ _0\"></span>ents o<span class=\"_ _0\"></span>r arrange<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts which give<span class=\"_ _0\"></span> rise to dilut<span class=\"_ _0\"></span>ive pote<span class=\"_ _0\"></span>ntial ordi<span class=\"_ _0\"></span>nary shares, a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8d8\">accordi<span class=\"_ _0\"></span>ngly dilute<span class=\"_ _0\"></span>d earni<span class=\"_ _0\"></span>ngs pe<span class=\"_ _0\"></span>r share i<span class=\"_ _0\"></span>s equivale<span class=\"_ _0\"></span>nt to ba<span class=\"_ _0\"></span>sic ear<span class=\"_ _0\"></span>nings per shar<span class=\"_ _0\"></span>e.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-42": {
   "value": "35.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws16e\">Earnings<span class=\"_ _0\"></span> per share<span class=\"_ _bc\"> </span></span>Earnings per<span class=\"_ _0\"></span> share is base<span class=\"_ _0\"></span>d on the ne<span class=\"_ _0\"></span>t profi<span class=\"_ _0\"></span>t for the year divide<span class=\"_ _0\"></span>d by the we<span class=\"_ _0\"></span>ighted ave<span class=\"_ _0\"></span>rage numbe<span class=\"_ _0\"></span>r of ordinary share<span class=\"_ _0\"></span>s in i<span class=\"_ _0\"></span>ssue duri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-475": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs7e2\">36.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span>Dividends<span class=\"_ _0\"></span><span class=\"fs2 ls1 ws1\"> </span></div><div class=\"gsb6\"><table class=\"s w283 h235\" id=\"_6622504d-dca4-49ab-81f3-474e6d4e50da\"><tr><td></td><td class=\"c x48f y2509 w54 h152\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y2509 wd5 h152\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y250a w19f h164\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Dividends<span class=\"_ _1\"></span> paid by th<span class=\"_ _1\"></span>e Bank (\u20ac 000)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y250a w54 h164\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">3,416<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x490 y250a wd5 h164\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,638<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y250b w19f h17a\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">\u20ac per s<span class=\"_ _1\"></span>hare <span class=\"ls1 ws1\">- </span><span class=\"ws7\">net</span><span class=\"ws7\"><span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x48f y250b w54 h17a\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\"><span>2.21<span class=\"ffa ls1 ws1\"> </span></span></div></td><td class=\"c x490 y250b wd5 h17a\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">0.01<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs8dc\">The div<span class=\"_ _1\"></span>idend<span class=\"_ _1\"></span>s per sh<span class=\"_ _1\"></span>are in r<span class=\"_ _1\"></span>espect<span class=\"_ _1\"></span> of the fin<span class=\"_ _1\"></span>ancia<span class=\"_ _1\"></span>l year end<span class=\"_ _1\"></span>ed 31 Dece<span class=\"_ _1\"></span>mber 202<span class=\"_ _1\"></span>4 reflec<span class=\"_ _1\"></span>ted i<span class=\"_ _1\"></span>n the t<span class=\"_ _1\"></span>able </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws2d gs8dd\">above has be<span class=\"_ _0\"></span>en ca<span class=\"_ _0\"></span>lculate<span class=\"_ _0\"></span>d on the<span class=\"_ _0\"></span> basis of<span class=\"_ _0\"></span> the n<span class=\"_ _0\"></span>umber<span class=\"_ _0\"></span> of ordina<span class=\"_ _0\"></span>ry share<span class=\"_ _0\"></span>s in i<span class=\"_ _0\"></span>ssue of 15<span class=\"_ _0\"></span>4,5<span class=\"_ _0\"></span>72,26<span class=\"_ _0\"></span>3 as at 25<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs8de\">June 202<span class=\"_ _0\"></span>5, being<span class=\"_ _0\"></span> the date<span class=\"_ _0\"></span> of approval of<span class=\"_ _0\"></span> the divide<span class=\"_ _0\"></span>nds by th<span class=\"_ _0\"></span>e share<span class=\"_ _0\"></span>holder<span class=\"_ _0\"></span>s of the A<span class=\"_ _0\"></span>nnual Ge<span class=\"_ _0\"></span>neral Mee<span class=\"_ _0\"></span>ting.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"gs8df\"><table class=\"s w282 h234\" id=\"_23f9a7f1-9dc6-44de-808f-8d47aa6d6f47\"><tr><td class=\"t m0 x4e3 h3 y2508 ff1 fs1 fc0 sc0 ls8 ws17\">Subsequent<span class=\"_ _0\"></span> to the end o<span class=\"_ _0\"></span>f the reporti<span class=\"_ _0\"></span>ng perio<span class=\"_ _0\"></span>d, a gross dividend of<span class=\"_ _0\"></span> 3.4<span class=\"ls1 ws1\">2 <span class=\"_ _1\"></span><span class=\"ls6 ws19\">c<span class=\"_ _1\"></span>ent per no<span class=\"_ _1\"></span>mina<span class=\"_ _1\"></span>l <span class=\"gs4\">\u20ac0.125</span> sha<span class=\"_ _1\"></span>re </span></span></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs8e0\">(net divi<span class=\"_ _0\"></span>dend of 2<span class=\"_ _0\"></span>.2<span class=\"ls1 ws1\">2 <span class=\"_ _1\"></span><span class=\"ls7 wsc\">cent for a total amount of \u20ac3,<span class=\"ls6 ws8\">436<span class=\"ls5 ws22\">,000) fo<span class=\"_ _1\"></span>r the t<span class=\"_ _1\"></span>welve<span class=\"_ _1\"></span> month<span class=\"_ _1\"></span>s ended<span class=\"_ _1\"></span> 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span> </span></span></span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws8 gs8e1\">202<span class=\"ls1 ws1\">5 <span class=\"ls8 ws2d\">is being propose<span class=\"_ _0\"></span>d for approval by the<span class=\"_ _0\"></span> sharehol<span class=\"_ _0\"></span>ders to <span class=\"_ _0\"></span>be distri<span class=\"_ _0\"></span>buted. A r<span class=\"_ _0\"></span>esoluti<span class=\"_ _0\"></span>on to this ef<span class=\"_ _0\"></span>fect w<span class=\"_ _0\"></span>ill </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8e2\">be proposed t<span class=\"_ _0\"></span>o the Annual<span class=\"_ _11\"></span> General Mee<span class=\"_ _0\"></span>ting.<span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-44": {
   "value": "2.21",
   "decimals": 4,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "fact-507": {
   "value": "0.125",
   "decimals": 4,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "fact-474": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs8e4\">37.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Cash a<span class=\"_ _0\"></span>nd cash<span class=\"_ _0\"></span> equiv<span class=\"_ _0\"></span>alents<span class=\"fs2 ls1 ws1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws4f gs8e5\">Cash and ca<span class=\"_ _0\"></span>sh equiv<span class=\"_ _0\"></span>alents c<span class=\"_ _11\"></span>omprise balance<span class=\"_ _0\"></span>s with le<span class=\"_ _0\"></span>ss than thr<span class=\"_ _0\"></span>ee m<span class=\"_ _0\"></span>onths\u2019 matur<span class=\"_ _0\"></span>ity f<span class=\"_ _0\"></span>rom the<span class=\"_ _0\"></span> date of<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs8e6\">acquisitio<span class=\"_ _0\"></span>n, including<span class=\"_ _0\"></span> ca<span class=\"_ _0\"></span>sh in hand, de<span class=\"_ _0\"></span>posits he<span class=\"_ _0\"></span>ld at<span class=\"_ _0\"></span> call w<span class=\"_ _0\"></span>ith banks<span class=\"_ _0\"></span> and othe<span class=\"_ _0\"></span>r short<span class=\"ls1 ws1\">-<span class=\"ls6 ws42\">term highly liquid </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs8e7\">inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> with o<span class=\"_ _1\"></span>rigina<span class=\"_ _1\"></span>l mat<span class=\"_ _1\"></span>urities<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>ree month<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> <span class=\"lse ws2c\">or less.</span> </span></div><div class=\"gsb6\"><table class=\"s w284 h236\" id=\"_d5f83edf-57c1-473e-811d-b718918c7cc5\"><tr><td></td><td></td><td class=\"c x48e y250c wc8 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">           <span class=\"ls17 ws71\"></span><span class=\"ls17 ws71\"></span><span class=\"ls17 ws71\">Group</span><span class=\"ffa ws1\"> </span></div></td><td></td><td class=\"c x48f y250c wc8 h17\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">           <span class=\"ls20 ws7e\">Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x48e y250d wd5 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y250d w54 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y250d wd5 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y250d w54 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y250e wd5 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y250e w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y250e wd5 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y250e w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y250f wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Balances with C<span class=\"_ _0\"></span>entral Bank of Malta (note<span class=\"_ _0\"></span> 5)<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y250f wd5 h1d\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">123,379</div></td><td class=\"c x437 y250f w54 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">138,320<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y250f wd5 h1d\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">123,379</div></td><td class=\"c x405 y250f w54 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">138,320<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2510 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Malta<span class=\"_ _1\"></span> Govern<span class=\"_ _1\"></span>ment trea<span class=\"_ _1\"></span>sury<span class=\"_ _1\"></span> bills<span class=\"_ _1\"></span> (note 5<span class=\"_ _1\"></span>)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y2510 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">25,864<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2510 w54 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x48f y2510 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">25,864<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y2510 w54 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2511 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Cash in hand<span class=\"_ _0\"></span> (note 5<span class=\"_ _0\"></span>)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y2511 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,642<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2511 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,608<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2511 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,937<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y2511 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,489<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22f8 wde h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Loans and advances to banks <span class=\"_ _0\"></span>(note 7)<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y22f8 wd5 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">60,925<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y22f8 w54 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">43,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y22f8 wd5 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">55,939<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22f8 w54 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">40,973<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2512 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amounts owed to banks (note<span class=\"_ _0\"></span> 20)<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y2512 wd5 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(322)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2512 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(415)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2512 wd5 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(321)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y2512 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(415)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2513 wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Cash an<span class=\"_ _0\"></span>d cash equi<span class=\"_ _0\"></span>val<span class=\"_ _0\"></span>ents<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x48e y2513 wd5 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">217,488<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2513 w54 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">189,210<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2513 wd5 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">211,798<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y2513 w54 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">185,367<span class=\"ls1 ws1\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-517": {
   "value": "37.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span></span><span class=\"ws3\">Cash a<span class=\"_ _0\"></span>nd cash<span class=\"_ _0\"></span> equiv<span class=\"_ _0\"></span>alents<span class=\"fs2 ls1 ws1\"> </span></span>Cash and ca<span class=\"_ _0\"></span>sh equiv<span class=\"_ _0\"></span>alents c<span class=\"_ _11\"></span>omprise balance<span class=\"_ _0\"></span>s with le<span class=\"_ _0\"></span>ss than thr<span class=\"_ _0\"></span>ee m<span class=\"_ _0\"></span>onths\u2019 matur<span class=\"_ _0\"></span>ity f<span class=\"_ _0\"></span>rom the<span class=\"_ _0\"></span> date of<span class=\"_ _0\"></span> acquisitio<span class=\"_ _0\"></span>n, including<span class=\"_ _0\"></span> ca<span class=\"_ _0\"></span>sh in hand, de<span class=\"_ _0\"></span>posits he<span class=\"_ _0\"></span>ld at<span class=\"_ _0\"></span> call w<span class=\"_ _0\"></span>ith banks<span class=\"_ _0\"></span> and othe<span class=\"_ _0\"></span>r short<span class=\"ls1 ws1\">-<span class=\"ls6 ws42\">term highly liquid </span></span>inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> with o<span class=\"_ _1\"></span>rigina<span class=\"_ _1\"></span>l mat<span class=\"_ _1\"></span>urities<span class=\"_ _1\"></span> of th<span class=\"_ _1\"></span>ree month<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> <span class=\"lse ws2c\">or less.</span> </span><table class=\"s w284 h236\" id=\"_d5f83edf-57c1-473e-811d-b718918c7cc5\"><tr><td></td><td></td><td class=\"c x48e y250c wc8 h17\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls1 ws9\">           <span class=\"ls17 ws71\"></span><span class=\"ls17 ws71\"></span><span class=\"ls17 ws71\">Group</span><span class=\"ffa ws1\"> </span></div></td><td></td><td class=\"c x48f y250c wc8 h17\"><div class=\"t m0 xd6 h9 y179 ff3 fs1 fc0 sc0 ls1 ws9\">           <span class=\"ls20 ws7e\">Bank<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></div></td></tr><tr><td></td><td class=\"c x48e y250d wd5 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y250d w54 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y250d wd5 h18\"><div class=\"t m0 xd7 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y250d w54 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x48e y250e wd5 h18\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y250e w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y250e wd5 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x405 y250e w54 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y250f wde h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Balances with C<span class=\"_ _0\"></span>entral Bank of Malta (note<span class=\"_ _0\"></span> 5)<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y250f wd5 h1d\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">123,379</div></td><td class=\"c x437 y250f w54 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">138,320<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y250f wd5 h1d\"><div class=\"t m0 x34 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">123,379</div></td><td class=\"c x405 y250f w54 h1d\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">138,320<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2510 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Malta<span class=\"_ _1\"></span> Govern<span class=\"_ _1\"></span>ment trea<span class=\"_ _1\"></span>sury<span class=\"_ _1\"></span> bills<span class=\"_ _1\"></span> (note 5<span class=\"_ _1\"></span>)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y2510 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">25,864<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2510 w54 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x48f y2510 wd5 h18\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">25,864<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y2510 w54 h18\"><div class=\"t m0 x37 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x402 y2511 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Cash in hand<span class=\"_ _0\"></span> (note 5<span class=\"_ _0\"></span>)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48e y2511 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">7,642<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2511 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">7,608<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2511 wd5 h18\"><div class=\"t m0 x35 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,937<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y2511 w54 h18\"><div class=\"t m0 x35 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">6,489<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y22f8 wde h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Loans and advances to banks <span class=\"_ _0\"></span>(note 7)<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y22f8 wd5 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">60,925<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y22f8 w54 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">43,697<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y22f8 wd5 h17\"><div class=\"t m0 x33 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">55,939<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y22f8 w54 h17\"><div class=\"t m0 x33 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">40,973<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2512 wde h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Amounts owed to banks (note<span class=\"_ _0\"></span> 20)<span class=\"ffb ls1\"> </span></div></td><td class=\"c x48e y2512 wd5 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(322)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2512 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(415)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2512 wd5 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">(321)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y2512 w54 h18\"><div class=\"t m0 xd6 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">(415)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2513 wde h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls20 ws4e\">Cash an<span class=\"_ _0\"></span>d cash equi<span class=\"_ _0\"></span>val<span class=\"_ _0\"></span>ents<span class=\"ls1 ws1\"> <span class=\"ffb\"> </span></span></div></td><td class=\"c x48e y2513 wd5 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">217,488<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x437 y2513 w54 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">189,210<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x48f y2513 wd5 h18\"><div class=\"t m0 x34 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">211,798<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x405 y2513 w54 h18\"><div class=\"t m0 x34 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">185,367<span class=\"ls1 ws1\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-473": {
   "value": "<div class=\"t m0 h4 ff3 fs0 fc0 sc0 ls3 ws114 gs8ea\">38.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Related par<span class=\"_ _1\"></span>ties</span><span class=\"fs2\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs8eb\">38.1    Identity<span class=\"_ _1\"></span> of related parties<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws18 gs8ec\">The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs that it has <span class=\"_ _0\"></span>a rel<span class=\"_ _0\"></span>ated party r<span class=\"_ _0\"></span>elati<span class=\"_ _0\"></span>onship with t<span class=\"_ _0\"></span>he National<span class=\"_ _0\"></span> Deve<span class=\"_ _0\"></span>lopme<span class=\"_ _0\"></span>nt and Social F<span class=\"_ _0\"></span>und, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws3c gs8ed\">subsidiar<span class=\"_ _0\"></span>y and associ<span class=\"_ _0\"></span>ated co<span class=\"_ _0\"></span>mpani<span class=\"_ _0\"></span>es, the B<span class=\"_ _0\"></span>ank\u2019s Dire<span class=\"_ _0\"></span>ctors and C<span class=\"_ _0\"></span>hief<span class=\"_ _0\"></span> Office<span class=\"_ _0\"></span>rs (co<span class=\"_ _0\"></span>llectively dee<span class=\"_ _0\"></span>med to<span class=\"_ _0\"></span> be </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 wse9 gs8ee\">key man<span class=\"_ _1\"></span>agement<span class=\"_ _1\"></span> perso<span class=\"_ _1\"></span>nnel, w<span class=\"ls6 ws8\">it<span class=\"_ _1\"></span>h<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span></span><span class=\"ws8c\">lat<span class=\"_ _1\"></span>ter category compris</span>ing<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span></span></span>Chief E<span class=\"_ _1\"></span>xecut<span class=\"_ _1\"></span>ive Offic<span class=\"_ _1\"></span>er, D<span class=\"_ _1\"></span>eputy Ch<span class=\"_ _1\"></span>ief </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws52 gs8ef\">Executive Off<span class=\"_ _1\"></span>icers, Chief Fin<span class=\"_ _1\"></span>ancial Off<span class=\"_ _1\"></span>icer, Chief Infor<span class=\"_ _1\"></span>mation <span class=\"_ _1\"></span>Officer, Chie<span class=\"_ _1\"></span>f Risk Officer,<span class=\"_ _1\"></span> Chief Legal O<span class=\"_ _1\"></span>fficer, </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws2a gs8f0\">Chief O<span class=\"_ _1\"></span>fficer <span class=\"_ _1\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"ls8 ws2d\">Group Corporate S<span class=\"_ _0\"></span>ervice<span class=\"_ _0\"></span>s) and other<span class=\"_ _0\"></span> relate<span class=\"_ _0\"></span>d parties, pri<span class=\"_ _0\"></span>ncipall<span class=\"_ _0\"></span>y entiti<span class=\"_ _0\"></span>es control<span class=\"_ _0\"></span>led by ke<span class=\"_ _0\"></span>y </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs8f1\">manag<span class=\"_ _1\"></span>ement p<span class=\"_ _1\"></span>erson<span class=\"_ _1\"></span>nel.<span class=\"_ _bc\"> </span><span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 wsc gs8f3\">The Gover<span class=\"_ _0\"></span>nment of Malta Is also considered to be a re<span class=\"_ _0\"></span>lated party, through its control o<span class=\"_ _0\"></span>ver the National<span class=\"_ _0\"></span> </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws56 gs8f4\">Devel<span class=\"_ _0\"></span>opment and Soc<span class=\"_ _0\"></span>ial Fun<span class=\"_ _0\"></span>d (\u2018NDS<span class=\"_ _0\"></span>F\u2019). Ne<span class=\"_ _0\"></span>verthe<span class=\"_ _0\"></span>less, in i<span class=\"_ _0\"></span>ts Co<span class=\"_ _0\"></span>mpany Annou<span class=\"_ _0\"></span>ncem<span class=\"_ _0\"></span>ent date<span class=\"_ _0\"></span>d 10 Aug<span class=\"_ _0\"></span>ust </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8f5\">2018,<span class=\"_ _0\"></span> the Bank r<span class=\"_ _0\"></span>eporte<span class=\"_ _0\"></span>d that the ND<span class=\"_ _0\"></span>SF had re<span class=\"_ _0\"></span>aff<span class=\"_ _0\"></span>irmed that:<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 ls6 ws8 gs8f6\">Quote<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs8f7\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it does not inte<span class=\"_ _0\"></span>nd to inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> its holding<span class=\"_ _0\"></span>s in the<span class=\"_ _0\"></span> Bank;<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs8f8\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it shall not act i<span class=\"_ _0\"></span>n conc<span class=\"_ _0\"></span>ert w<span class=\"_ _0\"></span>ith any othe<span class=\"_ _0\"></span>r sharehol<span class=\"_ _0\"></span>ders;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs8f9\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 ws18\">it will se<span class=\"_ _0\"></span>ek to re<span class=\"_ _0\"></span>duce its share<span class=\"_ _0\"></span>holding i<span class=\"_ _0\"></span>n the Bank<span class=\"_ _0\"></span> in an or<span class=\"_ _0\"></span>derly m<span class=\"_ _0\"></span>anner, at t<span class=\"_ _0\"></span>he rig<span class=\"_ _0\"></span>ht marke<span class=\"_ _0\"></span>t conditi<span class=\"_ _0\"></span>ons </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8fa\">and by agree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt with the<span class=\"_ _0\"></span> regulato<span class=\"_ _0\"></span>ry authoriti<span class=\"_ _0\"></span>es;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs8fb\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it has no inte<span class=\"_ _0\"></span>ntion of e<span class=\"_ _0\"></span>xert<span class=\"_ _0\"></span>ing any influe<span class=\"_ _0\"></span>nce on the<span class=\"_ _0\"></span> opera<span class=\"_ _0\"></span>tions of the<span class=\"_ _0\"></span> Bank; a<span class=\"_ _0\"></span>nd<span class=\"ls1 ws1\"> </span></span></span></div><div class=\"t m0 h2d ff11 fs1 fc0 sc0 ls1 ws1 gs8fc\">-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls6 ws7\">this<span class=\"_ _1\"></span> acquisit<span class=\"_ _1\"></span>ion will not result i<span class=\"_ _1\"></span>n a change in co<span class=\"_ _1\"></span>ntrol of the Ban<span class=\"_ _1\"></span>k.</span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h8 ff5 fs1 fc0 sc0 lsb ws2c gs8fd\">Unquote<span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs8fe\">The Group\u2019s e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span> to the Gover<span class=\"_ _0\"></span>nment of M<span class=\"_ _0\"></span>alta arises thr<span class=\"_ _0\"></span>ough its inve<span class=\"_ _0\"></span>stment i<span class=\"_ _0\"></span>n Governme<span class=\"_ _0\"></span>nt tre<span class=\"_ _0\"></span>asury </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs8ff\">bills and debt<span class=\"_ _0\"></span> securi<span class=\"_ _0\"></span>ties which a<span class=\"_ _0\"></span>re discl<span class=\"_ _0\"></span>osed in note<span class=\"_ _0\"></span>s 5 and 6, respect<span class=\"_ _0\"></span>ively, and o<span class=\"_ _0\"></span>ther bala<span class=\"_ _0\"></span>nces disclose<span class=\"_ _0\"></span>d in </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls9 wsa gs900\">note<span class=\"ls1 ws1\"> <span class=\"ls6 ws8\">22.</span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws13 gs901\">Other r<span class=\"_ _0\"></span>elate<span class=\"_ _0\"></span>d party transac<span class=\"_ _0\"></span>tions w<span class=\"_ _0\"></span>ith gove<span class=\"_ _0\"></span>rnme<span class=\"_ _0\"></span>nt owned/<span class=\"_ _0\"></span>controlle<span class=\"_ _0\"></span>d entiti<span class=\"_ _0\"></span>es we<span class=\"_ _0\"></span>re carri<span class=\"_ _0\"></span>ed out on an ar<span class=\"_ _0\"></span>m<span class=\"ls1 ws1\">\u2019<span class=\"ls17 ws71\">s </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws53 gs902\">length basi<span class=\"_ _0\"></span>s and on norm<span class=\"_ _0\"></span>al com<span class=\"_ _0\"></span>merci<span class=\"_ _0\"></span>al terms.<span class=\"_ _0\"></span> The tr<span class=\"_ _0\"></span>ansaction amounts i<span class=\"_ _0\"></span>n this re<span class=\"_ _0\"></span>spect a<span class=\"_ _0\"></span>re not co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws81 gs903\">materia<span class=\"_ _1\"></span>l for di<span class=\"_ _1\"></span>sclos<span class=\"_ _1\"></span>ure pu<span class=\"_ _1\"></span>rposes<span class=\"_ _1\"></span>, as they d<span class=\"_ _1\"></span>o not mat<span class=\"_ _1\"></span>erially<span class=\"_ _1\"></span> impact<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p<span class=\"ls1 ws1\">\u2019<span class=\"ls6 ws85\">s financial resu<span class=\"_ _1\"></span>lts and </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 ws7 gs904\">financial p<span class=\"_ _1\"></span>osition.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithRelatedPartiesExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-43": {
   "value": "38.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Related par<span class=\"_ _1\"></span>ties</span><span class=\"fs2\"> </span></span>38.1    Identity<span class=\"_ _1\"></span> of related parties<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs that it has <span class=\"_ _0\"></span>a rel<span class=\"_ _0\"></span>ated party r<span class=\"_ _0\"></span>elati<span class=\"_ _0\"></span>onship with t<span class=\"_ _0\"></span>he National<span class=\"_ _0\"></span> Deve<span class=\"_ _0\"></span>lopme<span class=\"_ _0\"></span>nt and Social F<span class=\"_ _0\"></span>und, subsidiar<span class=\"_ _0\"></span>y and associ<span class=\"_ _0\"></span>ated co<span class=\"_ _0\"></span>mpani<span class=\"_ _0\"></span>es, the B<span class=\"_ _0\"></span>ank\u2019s Dire<span class=\"_ _0\"></span>ctors and C<span class=\"_ _0\"></span>hief<span class=\"_ _0\"></span> Office<span class=\"_ _0\"></span>rs (co<span class=\"_ _0\"></span>llectively dee<span class=\"_ _0\"></span>med to<span class=\"_ _0\"></span> be key man<span class=\"_ _1\"></span>agement<span class=\"_ _1\"></span> perso<span class=\"_ _1\"></span>nnel, w<span class=\"ls6 ws8\">it<span class=\"_ _1\"></span>h<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span></span><span class=\"ws8c\">lat<span class=\"_ _1\"></span>ter category compris</span>ing<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span></span></span>Chief E<span class=\"_ _1\"></span>xecut<span class=\"_ _1\"></span>ive Offic<span class=\"_ _1\"></span>er, D<span class=\"_ _1\"></span>eputy Ch<span class=\"_ _1\"></span>ief Executive Off<span class=\"_ _1\"></span>icers, Chief Fin<span class=\"_ _1\"></span>ancial Off<span class=\"_ _1\"></span>icer, Chief Infor<span class=\"_ _1\"></span>mation <span class=\"_ _1\"></span>Officer, Chie<span class=\"_ _1\"></span>f Risk Officer,<span class=\"_ _1\"></span> Chief Legal O<span class=\"_ _1\"></span>fficer, Chief O<span class=\"_ _1\"></span>fficer <span class=\"_ _1\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"ls8 ws2d\">Group Corporate S<span class=\"_ _0\"></span>ervice<span class=\"_ _0\"></span>s) and other<span class=\"_ _0\"></span> relate<span class=\"_ _0\"></span>d parties, pri<span class=\"_ _0\"></span>ncipall<span class=\"_ _0\"></span>y entiti<span class=\"_ _0\"></span>es control<span class=\"_ _0\"></span>led by ke<span class=\"_ _0\"></span>y </span></span>manag<span class=\"_ _1\"></span>ement p<span class=\"_ _1\"></span>erson<span class=\"_ _1\"></span>nel.<span class=\"_ _bc\"> </span>The Gover<span class=\"_ _0\"></span>nment of Malta Is also considered to be a re<span class=\"_ _0\"></span>lated party, through its control o<span class=\"_ _0\"></span>ver the National<span class=\"_ _0\"></span> Devel<span class=\"_ _0\"></span>opment and Soc<span class=\"_ _0\"></span>ial Fun<span class=\"_ _0\"></span>d (\u2018NDS<span class=\"_ _0\"></span>F\u2019). Ne<span class=\"_ _0\"></span>verthe<span class=\"_ _0\"></span>less, in i<span class=\"_ _0\"></span>ts Co<span class=\"_ _0\"></span>mpany Annou<span class=\"_ _0\"></span>ncem<span class=\"_ _0\"></span>ent date<span class=\"_ _0\"></span>d 10 Aug<span class=\"_ _0\"></span>ust 2018,<span class=\"_ _0\"></span> the Bank r<span class=\"_ _0\"></span>eporte<span class=\"_ _0\"></span>d that the ND<span class=\"_ _0\"></span>SF had re<span class=\"_ _0\"></span>aff<span class=\"_ _0\"></span>irmed that:<span class=\"ls1 ws1\"> </span>Quote<span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it does not inte<span class=\"_ _0\"></span>nd to inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> its holding<span class=\"_ _0\"></span>s in the<span class=\"_ _0\"></span> Bank;<span class=\"ls1 ws1\"> </span></span></span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it shall not act i<span class=\"_ _0\"></span>n conc<span class=\"_ _0\"></span>ert w<span class=\"_ _0\"></span>ith any othe<span class=\"_ _0\"></span>r sharehol<span class=\"_ _0\"></span>ders;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 ws18\">it will se<span class=\"_ _0\"></span>ek to re<span class=\"_ _0\"></span>duce its share<span class=\"_ _0\"></span>holding i<span class=\"_ _0\"></span>n the Bank<span class=\"_ _0\"></span> in an or<span class=\"_ _0\"></span>derly m<span class=\"_ _0\"></span>anner, at t<span class=\"_ _0\"></span>he rig<span class=\"_ _0\"></span>ht marke<span class=\"_ _0\"></span>t conditi<span class=\"_ _0\"></span>ons </span></span>and by agree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt with the<span class=\"_ _0\"></span> regulato<span class=\"_ _0\"></span>ry authoriti<span class=\"_ _0\"></span>es;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it has no inte<span class=\"_ _0\"></span>ntion of e<span class=\"_ _0\"></span>xert<span class=\"_ _0\"></span>ing any influe<span class=\"_ _0\"></span>nce on the<span class=\"_ _0\"></span> opera<span class=\"_ _0\"></span>tions of the<span class=\"_ _0\"></span> Bank; a<span class=\"_ _0\"></span>nd<span class=\"ls1 ws1\"> </span></span></span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls6 ws7\">this<span class=\"_ _1\"></span> acquisit<span class=\"_ _1\"></span>ion will not result i<span class=\"_ _1\"></span>n a change in co<span class=\"_ _1\"></span>ntrol of the Ban<span class=\"_ _1\"></span>k.</span><span class=\"ff1\"> </span></span>Unquote<span class=\"ls1 ws1\"> </span>The Group\u2019s e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span> to the Gover<span class=\"_ _0\"></span>nment of M<span class=\"_ _0\"></span>alta arises thr<span class=\"_ _0\"></span>ough its inve<span class=\"_ _0\"></span>stment i<span class=\"_ _0\"></span>n Governme<span class=\"_ _0\"></span>nt tre<span class=\"_ _0\"></span>asury bills and debt<span class=\"_ _0\"></span> securi<span class=\"_ _0\"></span>ties which a<span class=\"_ _0\"></span>re discl<span class=\"_ _0\"></span>osed in note<span class=\"_ _0\"></span>s 5 and 6, respect<span class=\"_ _0\"></span>ively, and o<span class=\"_ _0\"></span>ther bala<span class=\"_ _0\"></span>nces disclose<span class=\"_ _0\"></span>d in note<span class=\"ls1 ws1\"> <span class=\"ls6 ws8\">22.</span> </span>Other r<span class=\"_ _0\"></span>elate<span class=\"_ _0\"></span>d party transac<span class=\"_ _0\"></span>tions w<span class=\"_ _0\"></span>ith gove<span class=\"_ _0\"></span>rnme<span class=\"_ _0\"></span>nt owned/<span class=\"_ _0\"></span>controlle<span class=\"_ _0\"></span>d entiti<span class=\"_ _0\"></span>es we<span class=\"_ _0\"></span>re carri<span class=\"_ _0\"></span>ed out on an ar<span class=\"_ _0\"></span>m<span class=\"ls1 ws1\">\u2019<span class=\"ls17 ws71\">s </span></span>length basi<span class=\"_ _0\"></span>s and on norm<span class=\"_ _0\"></span>al com<span class=\"_ _0\"></span>merci<span class=\"_ _0\"></span>al terms.<span class=\"_ _0\"></span> The tr<span class=\"_ _0\"></span>ansaction amounts i<span class=\"_ _0\"></span>n this re<span class=\"_ _0\"></span>spect a<span class=\"_ _0\"></span>re not co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d materia<span class=\"_ _1\"></span>l for di<span class=\"_ _1\"></span>sclos<span class=\"_ _1\"></span>ure pu<span class=\"_ _1\"></span>rposes<span class=\"_ _1\"></span>, as they d<span class=\"_ _1\"></span>o not mat<span class=\"_ _1\"></span>erially<span class=\"_ _1\"></span> impact<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p<span class=\"ls1 ws1\">\u2019<span class=\"ls6 ws85\">s financial resu<span class=\"_ _1\"></span>lts and </span></span>financial p<span class=\"_ _1\"></span>osition.<span class=\"_ _bc\"> </span>38.2    Principal tran<span class=\"_ _1\"></span>saction arrangements a<span class=\"_ _1\"></span>nd agreements<span class=\"ls1 ws1\"> <span class=\"ls5 ws45\">of the Ba<span class=\"_ _1\"></span>nk</span> <span class=\"ls8 ws53\">invol<span class=\"_ _0\"></span>ving ke<span class=\"_ _0\"></span>y mana<span class=\"_ _0\"></span>geme<span class=\"_ _0\"></span>nt personne<span class=\"_ _0\"></span>l and </span></span>entitie<span class=\"_ _0\"></span>s control<span class=\"_ _0\"></span>led by ke<span class=\"_ _0\"></span>y manage<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span> personnel<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span><table class=\"s w286 h238\" id=\"_4b82ddc1-a311-4253-b1dc-3581e7642f08\"><tr><td></td><td class=\"c x4e5 y251a w136 h113\"><div class=\"t m0 xdf h9 y11ec ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x4e6 y251a w13a h113\"><div class=\"t m0 x69 h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4e5 y251b w136 h17a\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y251b w13a h17a\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y251c w1b8 h113\"><div class=\"t m0 xd h15 y179 ff6 fs1 fc0 sc0 ls7 ws1\">Income statement<span class=\"ff13 ls1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4e7 y251d w1b8 h17a\"><div class=\"t m0 xd h3 y11ec ff1 fs1 fc0 sc0 ls6 ws7\">Interest receivab<span class=\"_ _1\"></span>le and simila<span class=\"_ _1\"></span>r income<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y251d w136 h17a\"><div class=\"t m0 x1d h15 y11ec ff3 fs1 fc0 sc0 ls6 ws8\">49<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y251d w13a h17a\"><div class=\"t m0 xf h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">31<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y251e w1b8 h113\"><div class=\"t m0 xd h3 y11ec ff1 fs1 fc0 sc0 ls5 ws6\">Interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y251e w136 h113\"><div class=\"t m0 x26 h9 y11ec ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"_ _bc\"> </span></div></td><td class=\"c x4e6 y251e w13a h113\"><div class=\"t m0 xf7 h3 y11ec ff1 fs1 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x4e7 y251f w1b8 h17a\"><div class=\"t m0 xd h3 y11ec ff1 fs1 fc0 sc0 ls6 ws7\">Other operat<span class=\"_ _1\"></span>ing costs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y251f w136 h17a\"><div class=\"t m0 x107 h15 y11ec ff3 fs1 fc0 sc0 ls6 ws8\">1,544<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y251f w13a h17a\"><div class=\"t m0 xcd h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">1,427<span class=\"ls1 ws1\"> </span></div></td></tr></table><table class=\"s w285 h237\" id=\"_56bd0425-d379-4675-bb02-349a1a29c30c\"><tr><td></td><td class=\"c x4e5 y2514 w136 h17a\"><div class=\"t m0 xdf h15 y1233 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y2514 w13a h17a\"><div class=\"t m0 x69 h3 y1233 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4e5 y2515 w136 h113\"><div class=\"t m0 x7e h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y2515 w13a h113\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y2516 w1b8 h17a\"><div class=\"t m0 xd h15 y179 ff6 fs1 fc0 sc0 ls7 ws1\">Statement of financ<span class=\"_ _0\"></span>ial posi<span class=\"_ _0\"></span>tion<span class=\"ff13 ls1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4e7 y2517 w1b8 h113\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Loans and advances to custo<span class=\"_ _0\"></span>mers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4e5 y2517 w136 h113\"><div class=\"t m0 x7e h9 y11ec ff3 fs1 fc0 sc0 ls6 ws8\">3,946<span class=\"_ _bc\"> </span></div></td><td class=\"c x4e6 y2517 w13a h113\"><div class=\"t m0 xcd h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">3,195<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y2518 w1b8 h17a\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Amoun<span class=\"_ _1\"></span>ts owed<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y2518 w136 h17a\"><div class=\"t m0 x7e h15 y1233 ff3 fs1 fc0 sc0 ls6 ws8\">1,607<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y2518 w13a h17a\"><div class=\"t m0 xcd h3 y1233 ff1 fs1 fc0 sc0 ls6 ws8\">1,722<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y2519 w1b8 hd4\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Contingent<span class=\"_ _1\"></span> liabilities an<span class=\"_ _1\"></span>d commitm<span class=\"_ _1\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y2519 w136 hd4\"><div class=\"t m0 x80 h15 y11ec ff3 fs1 fc0 sc0 ls1 ws1\">1<span class=\"ls6 ws8\">37</span><span class=\"ffa\"> </span></div></td><td class=\"c x4e6 y2519 w13a hd4\"><div class=\"t m0 x6b h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">213<span class=\"ls1 ws1\"> </span></div></td></tr></table>The follo<span class=\"_ _1\"></span>wing<span class=\"_ _1\"></span> tables<span class=\"_ _1\"></span> sho<span class=\"_ _1\"></span>w the movem<span class=\"_ _1\"></span>ents i<span class=\"_ _1\"></span>n loans<span class=\"_ _1\"></span> and adv<span class=\"_ _1\"></span>ances a<span class=\"_ _1\"></span>nd commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span>of the Ban<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 ws16\">during<span class=\"_ _0\"></span> </span></span>the yea<span class=\"_ _1\"></span>r:<span class=\"_ _bc\"> </span><table class=\"s w287 h239\" id=\"_5cb0fb3e-9226-4a25-97dc-36fb20fb7cc5\"><tr><td></td><td class=\"c x4e8 y2520 wef h187\"><div class=\"t m0 x34 h9 y3a3 ff3 fs1 fc0 sc0 ls6 ws7\">Loans and<span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"t m0 x40e h3 y2521 ff1 fs1 fc0 sc0 ls7 ws1\">Loans and<span class=\"ls1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x4e8 y2520 wef h187\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">advances</div></td><td class=\"c x4e9 y2520 w1ba h187\"><div class=\"t m0 x6e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Commitmen<span class=\"_ _0\"></span>ts<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c6 y2520 w1bb h187\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls7 ws4e\">advances</div></td><td class=\"c x4ea y2520 w1bb h187\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4e8 y2522 wef hd5\"><div class=\"t m0 x10b h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2522 w1ba hd5\"><div class=\"t m0 x125 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2522 w1bb hd5\"><div class=\"t m0 x125 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2522 w1bb hd5\"><div class=\"t m0 x125 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4e8 y2523 wef hd5\"><div class=\"t m0 x49 h15 y94f ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2523 w1ba hd5\"><div class=\"t m0 xd9 h15 y94f ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2523 w1bb hd5\"><div class=\"t m0 x10b h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2523 w1bb hd5\"><div class=\"t m0 x10b h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2524 w1b9 hd5\"><div class=\"t m0 xd h3 y3eb ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4e8 y2524 wef hd5\"><div class=\"t m0 x49 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">3,195<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2524 w1ba hd5\"><div class=\"t m0 xe6 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">(202)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2524 w1bb hd5\"><div class=\"t m0 x10b h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">2,380<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2524 w1bb hd5\"><div class=\"t m0 xe6 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">(462)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2525 w1b9 hd5\"><div class=\"t m0 xd h3 y94f ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e8 y2525 wef hd5\"><div class=\"t m0 x49 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">1,052<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2525 w1ba hd5\"><div class=\"t m0 x110 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">(5)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2525 w1bb hd5\"><div class=\"t m0 x10b h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">1,070<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2525 w1bb hd5\"><div class=\"t m0 xe6 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">(109)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2526 w1b9 hd5\"><div class=\"t m0 xd h3 y94f ff1 fs1 fc0 sc0 ls8 ws16\">Reducti<span class=\"_ _0\"></span>ons/repaym<span class=\"_ _0\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e8 y2526 wef hd5\"><div class=\"t m0 x69 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">(301)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2526 w1ba hd5\"><div class=\"t m0 xea h15 y94f ff3 fs1 fc0 sc0 ls1 ws1\">85<span class=\"ffa\"> </span></div></td><td class=\"c x4c6 y2526 w1bb hd5\"><div class=\"t m0 xe6 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">(255)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2526 w1bb hd5\"><div class=\"t m0 x11e h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">368<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2527 w1b9 hd5\"><div class=\"t m0 xd h3 y94f ff1 fs1 fc0 sc0 ls5 ws6\">Other mo<span class=\"_ _1\"></span>vemen<span class=\"_ _1\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e8 y2527 wef hd5\"><div class=\"t m0 xf7 h15 y94f ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4e9 y2527 w1ba hd5\"><div class=\"t m0 x106 h15 y94f ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c6 y2527 w1bb hd5\"><div class=\"t m0 x106 h3 y94f ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4ea y2527 w1bb hd5\"><div class=\"t m0 xf7 h3 y94f ff1 fs1 fc0 sc0 ls1 ws1\">1 </div></td></tr><tr><td class=\"c x402 y2528 w1b9 hd5\"><div class=\"t m0 xd h3 y94f ff1 fs1 fc0 sc0 ls5 ws6\">At 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e8 y2528 wef hd5\"><div class=\"t m0 x49 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">3,946<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2528 w1ba hd5\"><div class=\"t m0 xe6 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">(122)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2528 w1bb hd5\"><div class=\"t m0 x10b h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">3,195<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2528 w1bb hd5\"><div class=\"t m0 xe6 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">(202)<span class=\"ls1 ws1\"> </span></div></td></tr></table>The above banking fac<span class=\"_ _0\"></span>ilities are<span class=\"_ _0\"></span> part of long<span class=\"ls1 ws1\">-<span class=\"ls5 ws3f\">term commer<span class=\"_ _1\"></span>ci<span class=\"_ _1\"></span>al relat<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span>hips<span class=\"_ _1\"></span> and were mad<span class=\"_ _1\"></span>e in t<span class=\"_ _1\"></span>he ord<span class=\"_ _1\"></span>inary </span></span>course of<span class=\"_ _0\"></span> business on sub<span class=\"_ _0\"></span>stanti<span class=\"_ _0\"></span>ally the sam<span class=\"_ _0\"></span>e te<span class=\"_ _0\"></span>rms, including r<span class=\"_ _0\"></span>ates and sec<span class=\"_ _0\"></span>urity, as <span class=\"_ _0\"></span>for c<span class=\"_ _0\"></span>omparable transa<span class=\"_ _1\"></span>ctions with p<span class=\"_ _1\"></span>ersons of a similar st<span class=\"_ _1\"></span>anding or<span class=\"ls5 ws13f\">,<span class=\"_ _1\"></span> where ap<span class=\"_ _1\"></span>plicab<span class=\"_ _1\"></span>le, <span class=\"_ _1\"></span>with ot<span class=\"_ _1\"></span>her emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es. The<span class=\"_ _1\"></span> </span>transactio<span class=\"_ _0\"></span>ns did<span class=\"_ _0\"></span> not invo<span class=\"_ _0\"></span>lve <span class=\"_ _0\"></span>more<span class=\"_ _0\"></span> than the norm<span class=\"_ _0\"></span>al risk<span class=\"_ _0\"></span> o<span class=\"_ _0\"></span>f repaym<span class=\"_ _0\"></span>ent or<span class=\"_ _0\"></span> present <span class=\"_ _0\"></span>othe<span class=\"_ _0\"></span>r unfavourabl<span class=\"_ _0\"></span>e featur<span class=\"_ _1\"></span>es.<span class=\"ff5 ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ff1\"> </span></span>38.3    C<span class=\"_ _0\"></span>ompensat<span class=\"_ _0\"></span>ion to key m<span class=\"_ _0\"></span>anage<span class=\"_ _0\"></span>ment personne<span class=\"_ _0\"></span>l <span class=\"ls1 ws1\"> </span>Directo<span class=\"_ _1\"></span>rs\u2019 remu<span class=\"_ _1\"></span>ner<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> and sa<span class=\"_ _1\"></span>laries<span class=\"_ _1\"></span> to chief o<span class=\"_ _1\"></span>fficers<span class=\"_ _1\"></span> amo<span class=\"_ _1\"></span>unt t<span class=\"_ _1\"></span>o \u20ac<span class=\"ls6 ws8\">1,501,000<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span>(202<span class=\"_ _1\"></span><span class=\"ls1 ws1\">4<span class=\"lsd ws44\">: <span class=\"_ _13\"></span></span>\u20ac</span>1,383,<span class=\"_ _1\"></span>000)<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span></span>for<span class=\"_ _1\"></span> the Bank<span class=\"ls1 ws1\">. </span>38.4    Transacti<span class=\"_ _1\"></span>ons with ot<span class=\"_ _1\"></span>her related parties<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>38.4.1 Subsid<span class=\"_ _1\"></span>iaries<span class=\"ls1 ws1\"> </span>Inform<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lating t<span class=\"_ _0\"></span>o princip<span class=\"_ _0\"></span>al tra<span class=\"_ _0\"></span>nsaction<span class=\"_ _0\"></span>s under<span class=\"_ _0\"></span>taken by<span class=\"_ _0\"></span> the<span class=\"_ _0\"></span> Bank wi<span class=\"_ _0\"></span>th its s<span class=\"_ _0\"></span>ubsidiary<span class=\"_ _0\"></span> co<span class=\"_ _0\"></span>mpanie<span class=\"_ _0\"></span>s during the yea<span class=\"_ _1\"></span>r:<span class=\"ls1 ws1\"> </span><table class=\"s w288 h23a\" id=\"_7238f6cb-2505-4ecd-b901-73854c35b766\"><tr><td></td><td class=\"c x4eb y2529 w54 h18\"><div class=\"t m0 xd7 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y2529 wd5 h18\"><div class=\"t m0 xd7 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4eb y252a w54 h1d\"><div class=\"t m0 xe5 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y252a wd5 h1d\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y252b w118 hd5\"><div class=\"t m0 x10 h9 y94f ff3 fs1 fc0 sc0 ls7 ws1\">Income statement<span class=\"ffb ls1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3f0 y252c w118 had\"><div class=\"t m0 x10 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws7\">Fee and commis<span class=\"_ _1\"></span>sion inco<span class=\"_ _1\"></span>me<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y252c w54 had\"><div class=\"t m0 x6b h15 y3eb ff3 fs1 fc0 sc0 ls1 ws1\">2<span class=\"ffa\"> </span></div></td><td class=\"c x4ec y252c wd5 had\"><div class=\"t m0 x6b h3 y3eb ff1 fs1 fc0 sc0 ls1 ws1\">1 </div></td></tr><tr><td class=\"c x3f0 y252d w118 hd5\"><div class=\"t m0 x10 h3 y3eb ff1 fs1 fc0 sc0 ls5 ws6\">Interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y252d w54 hd5\"><div class=\"t m0 x6b h15 y3eb ff3 fs1 fc0 sc0 ls1 ws1\">4<span class=\"ffa\"> </span></div></td><td class=\"c x4ec y252d wd5 hd5\"><div class=\"t m0 x6b h3 y3eb ff1 fs1 fc0 sc0 ls1 ws1\">4 </div></td></tr><tr><td class=\"c x3f0 y252e w118 hd5\"><div class=\"t m0 x10 h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">Other operat<span class=\"_ _1\"></span>ing income<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y252e w54 hd5\"><div class=\"t m0 x69 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">76<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y252e wd5 hd5\"><div class=\"t m0 x69 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">73<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y252f w118 hd5\"><div class=\"t m0 x10 h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">Other operat<span class=\"_ _1\"></span>ing costs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y252f w54 hd5\"><div class=\"t m0 xd8 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">487<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y252f wd5 hd5\"><div class=\"t m0 xd8 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">453<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2530 w118 hd5\"><div class=\"t m0 x10 h9 y94f ff3 fs1 fc0 sc0 ls7 ws1\">Statement of financi<span class=\"_ _0\"></span>al posit<span class=\"_ _0\"></span>ion<span class=\"ffb ls1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3f0 y2531 w118 hd5\"><div class=\"t m0 x10 h3 y94f ff1 fs1 fc0 sc0 ls7 ws1\">Loans and advances to custo<span class=\"_ _0\"></span>mers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4eb y2531 w54 hd5\"><div class=\"t m0 x6b h15 y94f ff3 fs1 fc0 sc0 ls1 ws1\">9<span class=\"ffa\"> </span></div></td><td class=\"c x4ec y2531 wd5 hd5\"><div class=\"t m0 x6b h3 y94f ff1 fs1 fc0 sc0 ls1 ws1\">8 </div></td></tr><tr><td class=\"c x3f0 y2532 w118 hac\"><div class=\"t m0 x10 h3 y3eb ff1 fs1 fc0 sc0 ls5 ws6\">Trade a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her receiv<span class=\"_ _1\"></span>ables<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y2532 w54 hac\"><div class=\"t m0 x37 h15 y3eb ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4ec y2532 wd5 hac\"><div class=\"t m0 x69 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">18<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2533 w118 hd5\"><div class=\"t m0 x10 h3 y3eb ff1 fs1 fc0 sc0 ls8 wsa\">Accrue<span class=\"_ _0\"></span>d income<span class=\"_ _0\"></span> and other ass<span class=\"_ _0\"></span>ets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y2533 w54 hd5\"><div class=\"t m0 x69 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">15<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y2533 wd5 hd5\"><div class=\"t m0 x6b h3 y3eb ff1 fs1 fc0 sc0 ls1 ws1\">3 </div></td></tr><tr><td class=\"c x3f0 y2534 w118 hd5\"><div class=\"t m0 x10 h3 y94f ff1 fs1 fc0 sc0 ls5 ws6\">Amoun<span class=\"_ _1\"></span>ts owed<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y2534 w54 hd5\"><div class=\"t m0 x35 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">3,038<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y2534 wd5 hd5\"><div class=\"t m0 x35 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">1,810<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2535 w118 hd5\"><div class=\"t m0 x10 h3 y94f ff1 fs1 fc0 sc0 ls8 wsa\">Accrual<span class=\"_ _0\"></span>s and defe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncome<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y2535 w54 hd5\"><div class=\"t m0 x69 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">40<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y2535 wd5 hd5\"><div class=\"t m0 x69 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">96<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2536 w118 hd5\"><div class=\"t m0 x10 h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">Contingent<span class=\"_ _1\"></span> liabilities<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y2536 w54 hd5\"><div class=\"t m0 xd8 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">329<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y2536 wd5 hd5\"><div class=\"t m0 xd8 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">210<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x3f0 y2537 w118 hd5\"><div class=\"t m0 x10 h3 y94f ff1 fs1 fc0 sc0 ls5 ws7\">Commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4eb y2537 w54 hd5\"><div class=\"t m0 x35 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">1,111<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ec y2537 wd5 hd5\"><div class=\"t m0 x35 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">1,107<span class=\"ls1 ws1\"> </span></div></td></tr></table>During the y<span class=\"_ _1\"></span>ear, Redbox Limit<span class=\"_ _1\"></span>ed received gr<span class=\"_ _1\"></span>oss div<span class=\"_ _1\"></span>idends from MaltaPo<span class=\"_ _1\"></span>st p.l.c. amou<span class=\"_ _1\"></span>nting to <span class=\"ws8\">\u20ac2,<span class=\"_ _1\"></span>103,700<span class=\"ls1 ws1\"> </span></span>(202<span class=\"ls1 ws1\">4</span><span class=\"ws7\">: \u20ac1,</span>444<span class=\"ls1 ws1\">,5<span class=\"_ _1\"></span></span><span class=\"ws7\">00). The Bank in<span class=\"_ _1\"></span>jected further capi<span class=\"_ _1\"></span>tal into </span>its<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span><span class=\"ws7\">subsidia<span class=\"_ _1\"></span>ries as disclos<span class=\"_ _1\"></span>ed in Note 9.<span class=\"_ _bc\"> </span></span>During the<span class=\"_ _0\"></span> year<span class=\"ls1 ws1\"> <span class=\"ls5 ws22\">en<span class=\"_ _1\"></span>ded 3<span class=\"_ _1\"></span>1 Decemb<span class=\"_ _1\"></span>er 202<span class=\"_ _1\"></span></span>5</span>, other ope<span class=\"_ _0\"></span>rating costs i<span class=\"_ _0\"></span>ncluded an a<span class=\"_ _0\"></span>mount of <span class=\"ls6 ws8\">\u20ac69,000<span class=\"ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"lsd ws44\">(202</span>4<span class=\"ls7a ws12c\">: </span></span></span>\u20ac<span class=\"ls6 ws8\">129<span class=\"ws37\">,000) relatin<span class=\"_ _1\"></span>g to financi<span class=\"_ _1\"></span>al supp<span class=\"_ _1\"></span>ort given to Lomba<span class=\"_ _1\"></span>rd Select SICAV p.l.c.<span class=\"_ _1\"></span> in the form of expense<span class=\"_ _1\"></span>s </span></span>incurre<span class=\"_ _0\"></span>d on its behal<span class=\"_ _0\"></span>f wi<span class=\"_ _0\"></span>thout seek<span class=\"_ _0\"></span>ing re<span class=\"_ _0\"></span>imbursement<span class=\"ls6 ws52\">. During 2025, the entit<span class=\"_ _1\"></span>y volun<span class=\"_ _1\"></span>tarily </span>surrendere<span class=\"_ _0\"></span>d its license.<span class=\"ls1 ws1\"> </span>As at 31 December 202<span class=\"ls1 ws1\">5<span class=\"ls7 ws82\">, lease liabilities payable to<span class=\"_ _0\"></span> the Bank by<span class=\"_ _0\"></span> MaltaPost p.l<span class=\"_ _0\"></span>.c. amou<span class=\"_ _0\"></span>nted to <span class=\"ls6 ws8\">\u20ac95,217<span class=\"ls1 ws1\"> </span></span></span></span>(202<span class=\"ls1 ws1\">4<span class=\"lsd ws74\">: \u20ac</span></span>120,5<span class=\"_ _1\"></span>96<span class=\"ws7\">) in respect of<span class=\"_ _1\"></span> properties which<span class=\"_ _1\"></span> are being lea<span class=\"_ _1\"></span>sed to Malta<span class=\"_ _1\"></span>Post p.l.c.<span class=\"ls1 ws1\"> </span></span>38.4.2 Associa<span class=\"_ _1\"></span>tes<span class=\"ls1 ws1\"> </span>Inform<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lating t<span class=\"_ _0\"></span>o principal tr<span class=\"_ _0\"></span>ansaction<span class=\"_ _0\"></span>s undertake<span class=\"_ _0\"></span>n by the<span class=\"_ _0\"></span> Bank<span class=\"ls1 ws1\"> <span class=\"ls6 ws7\">with its associates<span class=\"_ _1\"></span> during the year:</span> </span><table class=\"s w289 h23b\" id=\"_1ae37f41-655c-475d-b283-56c74fa7e489\"><tr><td></td><td class=\"c x4ee y2538 w54 h18\"><div class=\"t m0 xe5 h9 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x4ef y2538 wd5 h18\"><div class=\"t m0 xe5 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4ee y2539 w54 h18\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y2539 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4f0 y253a w19f h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Income statement<span class=\"ffb ls1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4f0 y253b w19f h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Dividend in<span class=\"_ _1\"></span>come<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ee y253b w54 h1d\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">2,700<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y253b wd5 h1d\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr><tr><td class=\"c x4f0 y253c w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Fee and commis<span class=\"_ _1\"></span>sion inco<span class=\"_ _1\"></span>me<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ee y253c w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">121<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y253c wd5 h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">33<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4f0 y253d w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Other operat<span class=\"_ _1\"></span>ing costs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ee y253d w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">136<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y253d wd5 h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">60<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4f0 y253e w19f h18\"><div class=\"t m0 xd h9 y179 ff3 fs1 fc0 sc0 ls7 ws1\">Statement of financi<span class=\"_ _0\"></span>al posit<span class=\"_ _0\"></span>ion<span class=\"ffb ls1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4f0 y253f w19f h1d\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Trade a<span class=\"_ _1\"></span>nd ot<span class=\"_ _1\"></span>her receiv<span class=\"_ _1\"></span>ables<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ee y253f w54 h1d\"><div class=\"t m0 x22 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">6,122<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y253f wd5 h1d\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">2,279<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4f0 y2540 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Accrue<span class=\"_ _0\"></span>d income<span class=\"_ _0\"></span> and other ass<span class=\"_ _0\"></span>ets<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ee y2540 w54 h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">15<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y2540 wd5 h18\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">13<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4f0 y2541 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Inves<span class=\"_ _1\"></span>tments<span class=\"_ _1\"></span> in ass<span class=\"_ _1\"></span>ociat<span class=\"_ _1\"></span>es<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ee y2541 w54 h18\"><div class=\"t m0 xd6 h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">503<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y2541 wd5 h18\"><div class=\"t m0 x22 h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">1,645<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4f0 y2542 w19f h17\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Amoun<span class=\"_ _1\"></span>ts owed<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ee y2542 w54 h17\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">14<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y2542 wd5 h17\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws8\">12<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4f0 y2543 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls8 wsa\">Accrual<span class=\"_ _0\"></span>s and defe<span class=\"_ _0\"></span>rred i<span class=\"_ _0\"></span>ncome<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ee y2543 w54 h18\"><div class=\"t m0 x6b h15 y179 ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4ef y2543 wd5 h18\"><div class=\"t m0 xe6 h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x4f0 y2544 w19f h18\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 lsa ws24\">Other <span class=\"ls6 ws8\">liabilities</span><span class=\"ls6 ws8\"><span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></span></div></td><td class=\"c x4ee y2544 w54 h18\"><div class=\"t m0 x10b h15 y179 ff3 fs1 fc0 sc0 ls6 ws8\">22<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4ef y2544 wd5 h18\"><div class=\"t m0 x6b h3 y179 ff1 fs1 fc0 sc0 ls1 ws1\">- </div></td></tr></table>A<span class=\"ls6 ws12\">s disclo<span class=\"_ _1\"></span>sed within N<span class=\"_ _1\"></span>ote 11,</span> <span class=\"_ _0\"></span><span class=\"ls6 ws12\">on 23 October 2<span class=\"_ _1\"></span>025,<span class=\"ls1 ws1\"> <span class=\"_ _0\"></span><span class=\"ls6 ws12\">an asso<span class=\"_ _1\"></span>ciate effected a red<span class=\"_ _1\"></span>uction in i<span class=\"_ _1\"></span>ts share cap<span class=\"_ _1\"></span>ita<span class=\"ls8 ws13\">l, and </span></span></span></span>on 30 December 2<span class=\"_ _1\"></span>025, it <span class=\"ls8 wsa\">declared a divi<span class=\"_ _0\"></span>dend.<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-493": {
   "value": "38.<span class=\"ls1 ws1\"> <span class=\"_ _41\"> </span><span class=\"ls4 ws4\">Related par<span class=\"_ _1\"></span>ties</span><span class=\"fs2\"> </span></span>38.1    Identity<span class=\"_ _1\"></span> of related parties<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> </span>The B<span class=\"_ _0\"></span>ank conside<span class=\"_ _0\"></span>rs that it has <span class=\"_ _0\"></span>a rel<span class=\"_ _0\"></span>ated party r<span class=\"_ _0\"></span>elati<span class=\"_ _0\"></span>onship with t<span class=\"_ _0\"></span>he National<span class=\"_ _0\"></span> Deve<span class=\"_ _0\"></span>lopme<span class=\"_ _0\"></span>nt and Social F<span class=\"_ _0\"></span>und, subsidiar<span class=\"_ _0\"></span>y and associ<span class=\"_ _0\"></span>ated co<span class=\"_ _0\"></span>mpani<span class=\"_ _0\"></span>es, the B<span class=\"_ _0\"></span>ank\u2019s Dire<span class=\"_ _0\"></span>ctors and C<span class=\"_ _0\"></span>hief<span class=\"_ _0\"></span> Office<span class=\"_ _0\"></span>rs (co<span class=\"_ _0\"></span>llectively dee<span class=\"_ _0\"></span>med to<span class=\"_ _0\"></span> be key man<span class=\"_ _1\"></span>agement<span class=\"_ _1\"></span> perso<span class=\"_ _1\"></span>nnel, w<span class=\"ls6 ws8\">it<span class=\"_ _1\"></span>h<span class=\"ls1 ws1\"> <span class=\"_ _1b\"> </span></span><span class=\"ws8c\">lat<span class=\"_ _1\"></span>ter category compris</span>ing<span class=\"ls1 ws1\"> <span class=\"_ _85\"> </span></span></span>Chief E<span class=\"_ _1\"></span>xecut<span class=\"_ _1\"></span>ive Offic<span class=\"_ _1\"></span>er, D<span class=\"_ _1\"></span>eputy Ch<span class=\"_ _1\"></span>ief Executive Off<span class=\"_ _1\"></span>icers, Chief Fin<span class=\"_ _1\"></span>ancial Off<span class=\"_ _1\"></span>icer, Chief Infor<span class=\"_ _1\"></span>mation <span class=\"_ _1\"></span>Officer, Chie<span class=\"_ _1\"></span>f Risk Officer,<span class=\"_ _1\"></span> Chief Legal O<span class=\"_ _1\"></span>fficer, Chief O<span class=\"_ _1\"></span>fficer <span class=\"_ _1\"></span><span class=\"ls1 ws1\">\u2013 <span class=\"ls8 ws2d\">Group Corporate S<span class=\"_ _0\"></span>ervice<span class=\"_ _0\"></span>s) and other<span class=\"_ _0\"></span> relate<span class=\"_ _0\"></span>d parties, pri<span class=\"_ _0\"></span>ncipall<span class=\"_ _0\"></span>y entiti<span class=\"_ _0\"></span>es control<span class=\"_ _0\"></span>led by ke<span class=\"_ _0\"></span>y </span></span>manag<span class=\"_ _1\"></span>ement p<span class=\"_ _1\"></span>erson<span class=\"_ _1\"></span>nel.<span class=\"_ _bc\"> </span>The Gover<span class=\"_ _0\"></span>nment of Malta Is also considered to be a re<span class=\"_ _0\"></span>lated party, through its control o<span class=\"_ _0\"></span>ver the National<span class=\"_ _0\"></span> Devel<span class=\"_ _0\"></span>opment and Soc<span class=\"_ _0\"></span>ial Fun<span class=\"_ _0\"></span>d (\u2018NDS<span class=\"_ _0\"></span>F\u2019). Ne<span class=\"_ _0\"></span>verthe<span class=\"_ _0\"></span>less, in i<span class=\"_ _0\"></span>ts Co<span class=\"_ _0\"></span>mpany Annou<span class=\"_ _0\"></span>ncem<span class=\"_ _0\"></span>ent date<span class=\"_ _0\"></span>d 10 Aug<span class=\"_ _0\"></span>ust 2018,<span class=\"_ _0\"></span> the Bank r<span class=\"_ _0\"></span>eporte<span class=\"_ _0\"></span>d that the ND<span class=\"_ _0\"></span>SF had re<span class=\"_ _0\"></span>aff<span class=\"_ _0\"></span>irmed that:<span class=\"ls1 ws1\"> </span>Quote<span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it does not inte<span class=\"_ _0\"></span>nd to inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> its holding<span class=\"_ _0\"></span>s in the<span class=\"_ _0\"></span> Bank;<span class=\"ls1 ws1\"> </span></span></span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it shall not act i<span class=\"_ _0\"></span>n conc<span class=\"_ _0\"></span>ert w<span class=\"_ _0\"></span>ith any othe<span class=\"_ _0\"></span>r sharehol<span class=\"_ _0\"></span>ders;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span></span></span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 ws18\">it will se<span class=\"_ _0\"></span>ek to re<span class=\"_ _0\"></span>duce its share<span class=\"_ _0\"></span>holding i<span class=\"_ _0\"></span>n the Bank<span class=\"_ _0\"></span> in an or<span class=\"_ _0\"></span>derly m<span class=\"_ _0\"></span>anner, at t<span class=\"_ _0\"></span>he rig<span class=\"_ _0\"></span>ht marke<span class=\"_ _0\"></span>t conditi<span class=\"_ _0\"></span>ons </span></span>and by agree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt with the<span class=\"_ _0\"></span> regulato<span class=\"_ _0\"></span>ry authoriti<span class=\"_ _0\"></span>es;<span class=\"_ _0\"></span><span class=\"ls1 ws1\"> </span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls8 wsa\">it has no inte<span class=\"_ _0\"></span>ntion of e<span class=\"_ _0\"></span>xert<span class=\"_ _0\"></span>ing any influe<span class=\"_ _0\"></span>nce on the<span class=\"_ _0\"></span> opera<span class=\"_ _0\"></span>tions of the<span class=\"_ _0\"></span> Bank; a<span class=\"_ _0\"></span>nd<span class=\"ls1 ws1\"> </span></span></span>-<span class=\"ff9\"> <span class=\"_ _3b\"> </span><span class=\"ff1 ls6 ws7\">this<span class=\"_ _1\"></span> acquisit<span class=\"_ _1\"></span>ion will not result i<span class=\"_ _1\"></span>n a change in co<span class=\"_ _1\"></span>ntrol of the Ban<span class=\"_ _1\"></span>k.</span><span class=\"ff1\"> </span></span>Unquote<span class=\"ls1 ws1\"> </span>The Group\u2019s e<span class=\"_ _0\"></span>xposure<span class=\"_ _0\"></span> to the Gover<span class=\"_ _0\"></span>nment of M<span class=\"_ _0\"></span>alta arises thr<span class=\"_ _0\"></span>ough its inve<span class=\"_ _0\"></span>stment i<span class=\"_ _0\"></span>n Governme<span class=\"_ _0\"></span>nt tre<span class=\"_ _0\"></span>asury bills and debt<span class=\"_ _0\"></span> securi<span class=\"_ _0\"></span>ties which a<span class=\"_ _0\"></span>re discl<span class=\"_ _0\"></span>osed in note<span class=\"_ _0\"></span>s 5 and 6, respect<span class=\"_ _0\"></span>ively, and o<span class=\"_ _0\"></span>ther bala<span class=\"_ _0\"></span>nces disclose<span class=\"_ _0\"></span>d in note<span class=\"ls1 ws1\"> <span class=\"ls6 ws8\">22.</span> </span>Other r<span class=\"_ _0\"></span>elate<span class=\"_ _0\"></span>d party transac<span class=\"_ _0\"></span>tions w<span class=\"_ _0\"></span>ith gove<span class=\"_ _0\"></span>rnme<span class=\"_ _0\"></span>nt owned/<span class=\"_ _0\"></span>controlle<span class=\"_ _0\"></span>d entiti<span class=\"_ _0\"></span>es we<span class=\"_ _0\"></span>re carri<span class=\"_ _0\"></span>ed out on an ar<span class=\"_ _0\"></span>m<span class=\"ls1 ws1\">\u2019<span class=\"ls17 ws71\">s </span></span>length basi<span class=\"_ _0\"></span>s and on norm<span class=\"_ _0\"></span>al com<span class=\"_ _0\"></span>merci<span class=\"_ _0\"></span>al terms.<span class=\"_ _0\"></span> The tr<span class=\"_ _0\"></span>ansaction amounts i<span class=\"_ _0\"></span>n this re<span class=\"_ _0\"></span>spect a<span class=\"_ _0\"></span>re not co<span class=\"_ _0\"></span>nsidere<span class=\"_ _0\"></span>d materia<span class=\"_ _1\"></span>l for di<span class=\"_ _1\"></span>sclos<span class=\"_ _1\"></span>ure pu<span class=\"_ _1\"></span>rposes<span class=\"_ _1\"></span>, as they d<span class=\"_ _1\"></span>o not mat<span class=\"_ _1\"></span>erially<span class=\"_ _1\"></span> impact<span class=\"_ _1\"></span> the Grou<span class=\"_ _1\"></span>p<span class=\"ls1 ws1\">\u2019<span class=\"ls6 ws85\">s financial resu<span class=\"_ _1\"></span>lts and </span></span>financial p<span class=\"_ _1\"></span>osition.<span class=\"_ _bc\"> </span><span class=\"ls1 ws1\"> </span>38.2    Principal tran<span class=\"_ _1\"></span>saction arrangements a<span class=\"_ _1\"></span>nd agreements<span class=\"ls1 ws1\"> <span class=\"ls5 ws45\">of the Ba<span class=\"_ _1\"></span>nk</span> <span class=\"ls8 ws53\">invol<span class=\"_ _0\"></span>ving ke<span class=\"_ _0\"></span>y mana<span class=\"_ _0\"></span>geme<span class=\"_ _0\"></span>nt personne<span class=\"_ _0\"></span>l and </span></span>entitie<span class=\"_ _0\"></span>s control<span class=\"_ _0\"></span>led by ke<span class=\"_ _0\"></span>y manage<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span> personnel<span class=\"_ _0\"></span>.<span class=\"ls1 ws1\"> </span><div class=\"gsb6\"><table class=\"s w286 h238\" id=\"_4b82ddc1-a311-4253-b1dc-3581e7642f08\"><tr><td></td><td class=\"c x4e5 y251a w136 h113\"><div class=\"t m0 xdf h9 y11ec ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"_ _bc\"> </span></div></td><td class=\"c x4e6 y251a w13a h113\"><div class=\"t m0 x69 h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4e5 y251b w136 h17a\"><div class=\"t m0 x107 h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y251b w13a h17a\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y251c w1b8 h113\"><div class=\"t m0 xd h15 y179 ff6 fs1 fc0 sc0 ls7 ws1\">Income statement<span class=\"ff13 ls1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4e7 y251d w1b8 h17a\"><div class=\"t m0 xd h3 y11ec ff1 fs1 fc0 sc0 ls6 ws7\">Interest receivab<span class=\"_ _1\"></span>le and simila<span class=\"_ _1\"></span>r income<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y251d w136 h17a\"><div class=\"t m0 x1d h15 y11ec ff3 fs1 fc0 sc0 ls6 ws8\">49<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y251d w13a h17a\"><div class=\"t m0 xf h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">31<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y251e w1b8 h113\"><div class=\"t m0 xd h3 y11ec ff1 fs1 fc0 sc0 ls5 ws6\">Interes<span class=\"_ _1\"></span>t expen<span class=\"_ _1\"></span>se<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y251e w136 h113\"><div class=\"t m0 x26 h9 y11ec ff3 fs1 fc0 sc0 ls1 ws1\">7<span class=\"_ _bc\"> </span></div></td><td class=\"c x4e6 y251e w13a h113\"><div class=\"t m0 xf7 h3 y11ec ff1 fs1 fc0 sc0 ls1 ws1\">5 </div></td></tr><tr><td class=\"c x4e7 y251f w1b8 h17a\"><div class=\"t m0 xd h3 y11ec ff1 fs1 fc0 sc0 ls6 ws7\">Other operat<span class=\"_ _1\"></span>ing costs<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y251f w136 h17a\"><div class=\"t m0 x107 h15 y11ec ff3 fs1 fc0 sc0 ls6 ws8\">1,544<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y251f w13a h17a\"><div class=\"t m0 xcd h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">1,427<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"gsb6\"><table class=\"s w285 h237\" id=\"_56bd0425-d379-4675-bb02-349a1a29c30c\"><tr><td></td><td class=\"c x4e5 y2514 w136 h17a\"><div class=\"t m0 xdf h15 y1233 ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y2514 w13a h17a\"><div class=\"t m0 x69 h3 y1233 ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4e5 y2515 w136 h113\"><div class=\"t m0 x7e h15 y179 ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y2515 w13a h113\"><div class=\"t m0 x10b h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y2516 w1b8 h17a\"><div class=\"t m0 xd h15 y179 ff6 fs1 fc0 sc0 ls7 ws1\">Statement of financ<span class=\"_ _0\"></span>ial posi<span class=\"_ _0\"></span>tion<span class=\"ff13 ls1\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4e7 y2517 w1b8 h113\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls7 ws1\">Loans and advances to custo<span class=\"_ _0\"></span>mers<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4e5 y2517 w136 h113\"><div class=\"t m0 x7e h9 y11ec ff3 fs1 fc0 sc0 ls6 ws8\">3,946<span class=\"_ _bc\"> </span></div></td><td class=\"c x4e6 y2517 w13a h113\"><div class=\"t m0 xcd h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">3,195<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y2518 w1b8 h17a\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls5 ws6\">Amoun<span class=\"_ _1\"></span>ts owed<span class=\"_ _1\"></span> to cus<span class=\"_ _1\"></span>tomers<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y2518 w136 h17a\"><div class=\"t m0 x7e h15 y1233 ff3 fs1 fc0 sc0 ls6 ws8\">1,607<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e6 y2518 w13a h17a\"><div class=\"t m0 xcd h3 y1233 ff1 fs1 fc0 sc0 ls6 ws8\">1,722<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x4e7 y2519 w1b8 hd4\"><div class=\"t m0 xd h3 y179 ff1 fs1 fc0 sc0 ls6 ws7\">Contingent<span class=\"_ _1\"></span> liabilities an<span class=\"_ _1\"></span>d commitm<span class=\"_ _1\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e5 y2519 w136 hd4\"><div class=\"t m0 x80 h15 y11ec ff3 fs1 fc0 sc0 ls1 ws1\">1<span class=\"ls6 ws8\">37</span><span class=\"ffa\"> </span></div></td><td class=\"c x4e6 y2519 w13a hd4\"><div class=\"t m0 x6b h3 y11ec ff1 fs1 fc0 sc0 ls6 ws8\">213<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws63 gs908\">The follo<span class=\"_ _1\"></span>wing<span class=\"_ _1\"></span> tables<span class=\"_ _1\"></span> sho<span class=\"_ _1\"></span>w the movem<span class=\"_ _1\"></span>ents i<span class=\"_ _1\"></span>n loans<span class=\"_ _1\"></span> and adv<span class=\"_ _1\"></span>ances a<span class=\"_ _1\"></span>nd commit<span class=\"_ _1\"></span>ments<span class=\"_ _1\"></span><span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span>of the Ban<span class=\"_ _1\"></span>k<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span><span class=\"ls8 ws16\">during<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws6 gs909\">the yea<span class=\"_ _1\"></span>r:<span class=\"_ _bc\"> </span></div><div class=\"gsb6\"><table class=\"s w287 h239\" id=\"_5cb0fb3e-9226-4a25-97dc-36fb20fb7cc5\"><tr><td></td><td class=\"c x4e8 y2520 wef h187\"><div class=\"t m0 x34 h9 y3a3 ff3 fs1 fc0 sc0 ls6 ws7\">Loans and<span class=\"ls1 ws1\"> </span></div></td><td></td><td class=\"t m0 x40e h3 y2521 ff1 fs1 fc0 sc0 ls7 ws1\">Loans and<span class=\"ls1\"> </span></td><td></td></tr><tr><td></td><td class=\"c x4e8 y2520 wef h187\"><div class=\"t m0 x90 h9 y179 ff3 fs1 fc0 sc0 ls1 ws1\">advances</div></td><td class=\"c x4e9 y2520 w1ba h187\"><div class=\"t m0 x6e h9 y179 ff3 fs1 fc0 sc0 ls20 ws7e\">Commitmen<span class=\"_ _0\"></span>ts<span class=\"_ _bc\"> </span></div></td><td class=\"c x4c6 y2520 w1bb h187\"><div class=\"t m0 xcb h3 y179 ff1 fs1 fc0 sc0 ls7 ws4e\">advances</div></td><td class=\"c x4ea y2520 w1bb h187\"><div class=\"t m0 x10 h3 y179 ff1 fs1 fc0 sc0 ls5 ws7\">Commit<span class=\"_ _1\"></span>ment<span class=\"_ _1\"></span>s<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4e8 y2522 wef hd5\"><div class=\"t m0 x10b h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2522 w1ba hd5\"><div class=\"t m0 x125 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">2025<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2522 w1bb hd5\"><div class=\"t m0 x125 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2522 w1bb hd5\"><div class=\"t m0 x125 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">2024<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td></td><td class=\"c x4e8 y2523 wef hd5\"><div class=\"t m0 x49 h15 y94f ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2523 w1ba hd5\"><div class=\"t m0 xd9 h15 y94f ff3 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2523 w1bb hd5\"><div class=\"t m0 x10b h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2523 w1bb hd5\"><div class=\"t m0 x10b h3 y94f ff1 fs1 fc0 sc0 ls6 ws7\">\u20ac 000<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2524 w1b9 hd5\"><div class=\"t m0 xd h3 y3eb ff1 fs1 fc0 sc0 ls7 ws1\">At 1 January<span class=\"ffb ls1\"> </span></div></td><td class=\"c x4e8 y2524 wef hd5\"><div class=\"t m0 x49 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">3,195<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2524 w1ba hd5\"><div class=\"t m0 xe6 h15 y3eb ff3 fs1 fc0 sc0 ls6 ws8\">(202)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2524 w1bb hd5\"><div class=\"t m0 x10b h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">2,380<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2524 w1bb hd5\"><div class=\"t m0 xe6 h3 y3eb ff1 fs1 fc0 sc0 ls6 ws8\">(462)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2525 w1b9 hd5\"><div class=\"t m0 xd h3 y94f ff1 fs1 fc0 sc0 ls8 ws16\">Additions<span class=\"_ _0\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e8 y2525 wef hd5\"><div class=\"t m0 x49 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">1,052<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2525 w1ba hd5\"><div class=\"t m0 x110 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">(5)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2525 w1bb hd5\"><div class=\"t m0 x10b h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">1,070<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2525 w1bb hd5\"><div class=\"t m0 xe6 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">(109)<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2526 w1b9 hd5\"><div class=\"t m0 xd h3 y94f ff1 fs1 fc0 sc0 ls8 ws16\">Reducti<span class=\"_ _0\"></span>ons/repaym<span class=\"_ _0\"></span>ents<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e8 y2526 wef hd5\"><div class=\"t m0 x69 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">(301)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2526 w1ba hd5\"><div class=\"t m0 xea h15 y94f ff3 fs1 fc0 sc0 ls1 ws1\">85<span class=\"ffa\"> </span></div></td><td class=\"c x4c6 y2526 w1bb hd5\"><div class=\"t m0 xe6 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">(255)<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2526 w1bb hd5\"><div class=\"t m0 x11e h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">368<span class=\"ls1 ws1\"> </span></div></td></tr><tr><td class=\"c x402 y2527 w1b9 hd5\"><div class=\"t m0 xd h3 y94f ff1 fs1 fc0 sc0 ls5 ws6\">Other mo<span class=\"_ _1\"></span>vemen<span class=\"_ _1\"></span>ts<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e8 y2527 wef hd5\"><div class=\"t m0 xf7 h15 y94f ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4e9 y2527 w1ba hd5\"><div class=\"t m0 x106 h15 y94f ff3 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffa\"> </span></div></td><td class=\"c x4c6 y2527 w1bb hd5\"><div class=\"t m0 x106 h3 y94f ff1 fs1 fc0 sc0 ls1 ws1\">-<span class=\"ffb\"> </span></div></td><td class=\"c x4ea y2527 w1bb hd5\"><div class=\"t m0 xf7 h3 y94f ff1 fs1 fc0 sc0 ls1 ws1\">1 </div></td></tr><tr><td class=\"c x402 y2528 w1b9 hd5\"><div class=\"t m0 xd h3 y94f ff1 fs1 fc0 sc0 ls5 ws6\">At 31 Dec<span class=\"_ _1\"></span>ember<span class=\"_ _1\"></span><span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4e8 y2528 wef hd5\"><div class=\"t m0 x49 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">3,946<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4e9 y2528 w1ba hd5\"><div class=\"t m0 xe6 h15 y94f ff3 fs1 fc0 sc0 ls6 ws8\">(122)<span class=\"ffa ls1 ws1\"> </span></div></td><td class=\"c x4c6 y2528 w1bb hd5\"><div class=\"t m0 x10b h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">3,195<span class=\"ffb ls1 ws1\"> </span></div></td><td class=\"c x4ea y2528 w1bb hd5\"><div class=\"t m0 xe6 h3 y94f ff1 fs1 fc0 sc0 ls6 ws8\">(202)<span class=\"ls1 ws1\"> </span></div></td></tr></table></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls7 ws5e gs90c\">The above banking fac<span class=\"_ _0\"></span>ilities are<span class=\"_ _0\"></span> part of long<span class=\"ls1 ws1\">-<span class=\"ls5 ws3f\">term commer<span class=\"_ _1\"></span>ci<span class=\"_ _1\"></span>al relat<span class=\"_ _1\"></span>ions<span class=\"_ _1\"></span>hips<span class=\"_ _1\"></span> and were mad<span class=\"_ _1\"></span>e in t<span class=\"_ _1\"></span>he ord<span class=\"_ _1\"></span>inary </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws67 gs90d\">course of<span class=\"_ _0\"></span> business on sub<span class=\"_ _0\"></span>stanti<span class=\"_ _0\"></span>ally the sam<span class=\"_ _0\"></span>e te<span class=\"_ _0\"></span>rms, including r<span class=\"_ _0\"></span>ates and sec<span class=\"_ _0\"></span>urity, as <span class=\"_ _0\"></span>for c<span class=\"_ _0\"></span>omparable </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls6 wse8 gs90e\">transa<span class=\"_ _1\"></span>ctions with p<span class=\"_ _1\"></span>ersons of a similar st<span class=\"_ _1\"></span>anding or<span class=\"ls5 ws13f\">,<span class=\"_ _1\"></span> where ap<span class=\"_ _1\"></span>plicab<span class=\"_ _1\"></span>le, <span class=\"_ _1\"></span>with ot<span class=\"_ _1\"></span>her emp<span class=\"_ _1\"></span>loye<span class=\"_ _1\"></span>es. The<span class=\"_ _1\"></span> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 ws59 gs90f\">transactio<span class=\"_ _0\"></span>ns did<span class=\"_ _0\"></span> not invo<span class=\"_ _0\"></span>lve <span class=\"_ _0\"></span>more<span class=\"_ _0\"></span> than the norm<span class=\"_ _0\"></span>al risk<span class=\"_ _0\"></span> o<span class=\"_ _0\"></span>f repaym<span class=\"_ _0\"></span>ent or<span class=\"_ _0\"></span> present <span class=\"_ _0\"></span>othe<span class=\"_ _0\"></span>r unfavourabl<span class=\"_ _0\"></span>e </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws7 gs910\">featur<span class=\"_ _1\"></span>es.<span class=\"ff5 ls1 ws1\"> <span class=\"_ _1\"></span><span class=\"ff1\"> </span></span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls8 wsa gs911\">38.3    C<span class=\"_ _0\"></span>ompensat<span class=\"_ _0\"></span>ion to key m<span class=\"_ _0\"></span>anage<span class=\"_ _0\"></span>ment personne<span class=\"_ _0\"></span>l <span class=\"ls1 ws1\"> </span></div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 ls5 ws35 gs912\">Directo<span class=\"_ _1\"></span>rs\u2019 remu<span class=\"_ _1\"></span>ner<span class=\"_ _1\"></span>ation<span class=\"_ _1\"></span> and sa<span class=\"_ _1\"></span>laries<span class=\"_ _1\"></span> to chief o<span class=\"_ _1\"></span>fficers<span class=\"_ _1\"></span> amo<span class=\"_ _1\"></span>unt t<span class=\"_ _1\"></span>o \u20ac<span class=\"ls6 ws8\">1,501,000<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span>(202<span class=\"_ _1\"></span><span class=\"ls1 ws1\">4<span class=\"lsd ws44\">: <span class=\"_ _13\"></span></span>\u20ac</span>1,383,<span class=\"_ _1\"></span>000)<span class=\"ls1 ws1\"> <span class=\"_ _13\"></span></span></span>for<span class=\"_ _1\"></span> the </div><div class=\"t m0 h3 ff1 fs1 fc0 sc0 lsd ws44 gs913\">Bank<span class=\"ls1 ws1\">. </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-45": {
   "value": "limited liability company",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-46": {
   "value": "Malta",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-476": {
   "value": "Malta",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:529900UIRB65OY6U4B21",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  }
 }
}